23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have noticed many inquiries on my report that I have never made or attempted to make. Please remove the following inquiries off my report immediately for they have effected my livelihood, and mental state of mind. Because of these inquiries I was denied to get a place which has caused me to become homeless.
Product: Credit reporting or other personal consumer reports

United States of America Army and Air Force Exchange Service XXXX Exchange Credit Program , Dispute Unit XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX SUBJECT : Dispute of Unauthorized Deductions from Military Retired Pay ICO XXXX XXXX | SSN : XXXX Dear Sir/Madam, I am writing to formally present three distinct disputes related to unauthorized deductions from my retired military pay account. Enclosed is a detailed document outlining these disputes, along with supporting evidence and references to relevant federal laws. 

These issues have caused significant financial and personal distress, and I seek your immediate attention and resolution. I request an official acknowledgment of these disputes, a thorough review, and corrective actions to address the errors and prevent future occurrences. 

Please respond in writing directly to me at the address specified above within 30 days. 
Thank you for your prompt attention to this matter. 

Sincerely, I am XXXX XXXX Citizen of Indiana state All XXXX Reserved without Prejudice
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance {$8400.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/2022 XXXX, XXXX, XXXX XXXX, XXXX, LA XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX : {$660.00} XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$170.00} XXXX XXXX XXXX Opened : XXXX XXXXXXXX XXXX Balance : {$93.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by XXXX and was sick for months. When i was strong enough I notified my creditors and they worked with me except for the company XXXX - they have foreign customer service who is only interested in collections and they do not help nor answer questions they give you the run around its a hassle and they lie to you i have asked or Americans, i have asked for supervisors they are all incompetent and they are ruining my life I WANT TO MAKE ABSOLUTELY CLEAR I AM PERFECTLY CABABLE OF PAYING MY BILL NOW THAT I AM HOME, I LOST ALOT OF MY LIFE TO XXXX AND STILL CAN NOT WALK BUT AM XXXX FROM XXXX, SO IT IS NOT THAT I CAN NOT PAY IT IS THAT THEY HAVE TO REMOVE HTE NEGATIVE REMARKS THEY POSTED EVEN THOUGH THEY KNEW I WAS IN XXXX .... i am only XXXX no way should this company even exist if they are not following the rules. i provided them with the USA CREDIT CARE ACT under the XXXX XXXX  protection and this company has don't nothing but ignore it and has been notifying my credit bureau of negs when under cares act if i was on time before i was sick they were suppose to continue reporting positive knowing i was in hospital. I WAS ALWAYS ON TIME UNTIL I GOT XXXX I HAVE NEVER BEEN LATE... I have called fifteen times and they are XXXX that do not speak XXXX they lie and give me the run around I am back at work and capable of paying my bills as usual i need something in writing that i am paying and they are removing these negs due to my affliction from XXXX i can not pay and not have this rectified they will continue to report neg this issue must be resolved and they willl not change it unless i pay them first and i find it so fishy AGAIN I HAVE THE MONEY TO PAY AND HAVE NO PROBLEM PAYING BUT NOT TILL MY NEG IS REMOVED. I SUBMITTED PROOF I WAS HOSPITALIZED THEY EMIALED ME BACK CONFIRMING RECEIPT AND THAT THEY WOULD REMOVE THE NEGS BUT THEY HAVE NOT REMOVED THEM AND ITS HURTING MY ABILITY TO MOVE FINANCIALLY.
Product: Credit card or prepaid card

I opened cash app account a couple of weeks ago I just got debit card in mail I'm now without minutes on my phone I had to order a new XXXX XXXX XXXX card cause mine was lost for ,4 days we have been without food this card has XXXX on it and we need it I don't have the phone attached to it the debit card number attached to it but I got a new XXXX XXXX card and a XXXX XXXX XXXX number I've sent cash app copies of everything and they just ignore me let them go hungry 4 days see how they feel,!! Please help me I will send u anything u need. Thank I so much I'm glad I bumped in to u. 

Sincerely XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I sent a letter Account Resolution Services ( ARS ) credit collection agency disputing the debt that is being reported to all 3 major credit bureaus in the amount {$940.00}. I requested that ARS provide me with validation of the debt in the form of a copy of an original bill and a detailed statement of procedures. I asked that this information be sent to me via U.S. Mail within 30 days. On XX/XX/XXXX, Account Resolution Services sent me a letter stating that the debt is valid, but failed to provide the proof verifying the debt as I requested within my legal rights. They also failed to provide me with the ORIGINAL CREDITOR 'S contact information including full name, address and contact number. On XX/XX/XXXX ARS sent me the exact same letter again without any additional information stating that the debt has been verified by " their client '' and has continued to report this on my credit. By not providing me with the proper verification within the required amount of time ARS has blatantly disregarded the FCRA and FDCPA law. Now as of XX/XX/XXXX this inaccuracy is STILL being reported and I have yet to be given the opportunity to investigate this debt. I am requesting that you require this agency produce proof or immediately stop reporting this debt as it is affecting my ability to obtain credit with other lenders.
Product: Debt collection

It has come to my attention that a previously deleted fraudulent account has reappeared on my credit report, causing significant distress and concern. 
Account Information : XXXX XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXX -PLEASE DELETE!!!! 
I am both shocked and frustrated to discover that the accounts, proven to be fraudulent and deleted from my credit report in the past, has somehow resurfaced. The implications of this reoccurrence are not only detrimental to my creditworthiness but also raise serious questions about the integrity of your bureau 's processes in handling fraudulent accounts. 
The fraudulent account in question was previously deleted from my credit report, indicating that it was recognized as fraudulent. I request an explanation as to how an account that was once confirmed as fraudulent and deleted has been allowed to reappear. I am deeply concerned about the efficacy of your bureau 's verification process. 
Given the established fraudulent nature of this account and its prior deletion, I insist on its immediate removal from my credit report. The reappearance of this account is causing unwarranted harm to my credit standing, and I expect swift corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In2018Iopenedapaypalaccount.MyemailaddressisXXXX.ImadeafewpurchasesontheypaypalaccountwhichIpaidmonthly.HoweverinXXXXIgotacallfrompaypalonwhichtheladyinformedmethatmypaymentwasmissing.Isaidthat'simpossiblemyaccountshouldbepaidoff.Shesaidyouhavea{$700.00}balanceIsaidnoshesaidwhatisyouremailIwentaheadtoverifymyemail.ShesaidnotitsXXXX,sheverifiedmylast4ofmysocial.Iexplaineditwasnotmyemailaddress.Shesaidtheywoulddosomeinvestigationandgetbacktome.SolastweekIgotacalllastweekmyaccountispastdueIwasIsaidimpossible.SheinformedmethatIshouldmakeapaymentbeforeThursday.Iwaspuzzled.TodayIreceivedacollectionletterfromXXXXstartingtheyarewillingtosettlemyaccountandthebalancewasXXXX.Withasettlementbalance.IcalledXXXXandshesaidtheverysameemailasmentionedearlier.Idon'tknowwhoemailitis,andcertainlynotmine.Thespellingofmynameiscorrectandaddress.ItriedreachingourtoPayPalreportthisfraudonmyaccount.Ineedhelpinresolvingthissituation.Thisisfraudagainstmysocialsecuritynumberandmycredit.
Product: Mortgage

I contacted SLS, the 2nd mortgage on my home & told them I was affected by the National Disaster of XX/XX/XXXX & XX/XX/XXXX, CA wildfires. I requested assistance, but received no reply. I then applied for assistance in XX/XX/XXXX/XX/XX/XXXX. My request was denied on XX/XX/XXXX, see attached letter, bc a payment w in the guidelines could not be calculated, HOWEVER, XXXX, the account rep for my loan told me on XX/XX/19, that no package was received & that my financials were not used in the review. This is upsetting bc how could it be properly reviewed. I resent the package along w the appeal of the denial on XX/XX/19- the deadline was XX/XX/19. I was waiting for the outcome & at the same time received a sale date for XX/XX/19. I resubmitted the attached package on XX/XX/19 & on XX/XX/19.
Product: Credit reporting or other personal consumer reports

TransUnion credit bureau has been fraudulently furnishing inaccurate information according to the FCRA and I am seeking statutory damages to my credit report. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX Credit bureaus after I purchased a credit report with XXXX on XX/XX/XXXX and XXXX XXXX om XX/XX/XXXX. After receiving a copy of my report, I saw the UNVERIFIABLE item on my personal profile, I noticed that there was erroneous item on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that this account will be updated. 

XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$5700.00}
Product: Debt collection

Someone created an auto loan account with Credit Acceptance without my knowledge using my social security number. Ive disputed this account multiple times, Ive contacted the company & nothing was resolved since XXXXThis is not my account & I would like for it to be removed.
Product: Mortgage

I received two separate insurance payments from the insurance company on a hurricane Michael damage claim. The first settlement was for {$44000.00} and a little over a year later I received a second payment on the same claim for {$92000.00} I sent the check to Fifth Third 's ( the mortgage company ) loss draft department via certified mail and they signed for it on XX/XX/2020. On XX/XX/XXXX I made an online request that the proceeds be used to settle the mortgage balance of approximately {$120000.00}. The loss-draft department acknowledged receipt of my request on XX/XX/XXXX as well in an online response that indicated someone would contact me " shortly '' ( I have all of these documents saved ) On XX/XX/XXXX I began calling to find out shat " shortly '' meant. On XX/XX/XXXX the request was forwarded from the loss draft department to the Mortgage Department. Since then on various calls I have been told it would take 3 business days, then 4, then 10 and then finally on XX/XX/XXXX I was again told it would be an additional 10 business days. 

During the time between their receipt of my money and their application of it to my mortgage my loan continued to accrue approzimately {$15.00} per day in interest charges. Additionally they held an overpayment in excess of {$7000.00} without payment of any interest for over one month. 

It is my opinion that the delays in this case were excessive and that the institution attempted to profit by intentionally inordinate delays in internal paperwork processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act US DEPT of EDU account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing? IT'S IMPOSSIBLE THAT THIS WAS INVESTIGATED - IT'S BEEN ALMOST 6 MONTHS AND TRANSUNION OR XXXX HAS IGNORED MY DISPUTE AND NEVER ANSWERED BACK. I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX - CARD SERVICE XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} XXXX - CARD SERVICE XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$23000.00}
Product: Checking or savings account

I received a letter dated XX/XX/2022 from Bank of America stating that on XX/XX/2022 it was reported that a fraudulent transaction totaling {$1500.00} from another person ( whom I do not know or ever heard of ) was credited to my account. 

There is no record of this {$1500.00} transaction being credited to my account ( from another person ) on my Bank of America app and there is no further information provided by Bank of America about this transaction. 

The bank then deducted {$1500.00} on XX/XX/2022 from my account. The account had a balance of {$670.00} at the time, which brought the balance to - {$820.00}. The account is now frozen. 

The letter ends with " We apologize for any inconvenient this may have caused. There is nothing you need to do at this time. '' Meanwhile, I have lost {$1500.00} due to a fraudulent transaction and I have received no further information about this from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Victoria Secret Card, and I hardly ever use it. I've paid it in full in XX/XX/XXXX, and they posted a late fee on my account, and also reported me 30 days late. Then I pay it again in full the following month, thinking it was paid from my previous payment, and I receive late fee charge and again, another 30 day late. So far I've had like 7 or eight 30 day late payments on my credit so far, and I can count on my hand the amount of times I've used this card..No matter what I do, they just charge me late fee 's and outrageous interest with no end in sight. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX CT. XXXX XX/XX/XXXX S.S. # XXXX Comentity Bank/Victoria 's Secret Account Number Ending In XXXX ....
Product: Mortgage

My husband and I have applied for a mortgage and got it funded at the end of the year 2004 with Chase Home Financing. Because our first mortgage with Chase I had problems with the amortization that I believed it was incorrect, I started collecting every data of regular payments and extra payments made with the new loan. So, I was able to discover that on or before the XXXX TH payment, there was a difference of XXXX payment missing from the beginning. After deciding that an attorney would not get a case for around {$150000.00}, I called Chase and told the representative that I was sure XXXX payment was missing from the very first payment. Also I said I had the proof of that first payment made for the first month because that had happen to me on our first mortgage with Chase 9 years before. 
Then, the associate ask me for a moment and came back to tell me that I was right and they were adding that missing payment. That was the most unbelievable thing that I had ever heard. So simple, so direct ... They did not compensate me for the almost XXXX months that I was making payment a month earlier than I should. Unfortunately, I believe that it has also happened and still happens with many people that do not have time to check their XXXX payments that used to be due before a regular statement being received by the borrower. 
A month ago I refinanced my mortgage and got rid off of almost all the papers, by I still have the mortgage account #, and remember that Chase had corrrect that missing payment between the XXXX and XXXX payment.
Product: Credit reporting or other personal consumer reports

I recently contacted law enforcement agency & submitted an ID Theft report. My consumer report has multiple misinformation fraudulent accounts opened using my personal information. This violates FCRA section 1681c & section 1681s ( a ) ( 1 ) & my right to privacy. 

Accounts ; XXXX XXXX, XXXX XXXX XXXX Address ;. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Money transfer, virtual currency, or money service

My XXXX XXXX XXXX father was the victim of fraud in Cashapp and transferred {$7300.00} to scammers in the month of XXXX 2023. I contacted customer support. The representative who identified herself as XXXX refused to even file an internal complaint for escalation or terminate the account of the thief that stole the money. The company clearly has no protections to prevent senior financial exploitation.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am in the process of trying to get a home and these negative items are significantly affecting my credit report and hindering me from getting a preapproval to have a secured place for XXXX  and my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  # XXXX XX/XX/2024 -- {$980.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding several accounts that appear on my credit report, specifically under the names of XX/XX/XXXX XXXX ), which are reporting late payments with a XXXX balance, as well as XXXX XXXX ( XXXX ), which is reporting a charge off. I request the validation and verification of these accounts, as well as certified evidence demonstrating where I granted my consent for these accounts to be reported on my credit history. Based on this information, I believe these accounts are violating Title 15 of the United States Code in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA. 
15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Payday loan

I took a {$500.00} personal loan with a company called Insta Loan. I 've made payments of {$120.00} per month for over 4 months to Insta loan which mean i covered more than the loan amount. Each time i meet with them at the office to make a payment they told me they were updating my information, which false. It was false because i recently found out that they were reapplying for a loan each time i made a payment. When i looked at my balance it never decreased it only increased each time i made a payment. Then i checked my credit report and they applied XXXX loans of {$600.00} on my credit. I spoke to a man named XXXX in the office and he told me that these kinds of loans are not set up for you to get out of, and that i 'll be making endless payments for years.
Product: Credit reporting or other personal consumer reports

I took out student loans through MOHELA while I was iXXXX XXXX XXXX XXXX XXXX XXXX and for part of my XXXX XXXX XXXX. The student loans on my credit report were correct until recently. I knew MOHELA changed service providers as I got a notice of this on XX/XX/year>. I recently had my credit pulled for a Home Equity Loan and it is showing duplicated accounts of my student loans. After researching online, it is a known issue that many consumers ended up with duplicate records on their credit report. ( XXXX XXXX XXXXXXXX ) I am now in the process of attempting to get this corrected so I can be approved for my XXXX XXXX XXXX.