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

Transunion failed to properly investigate collection accounts & closed credit accounts I disputed for not accurately reporting all information personal information & payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

It came to my attention that my file has been merged with my fathers file which is clearly erroneous. 
I took the liberty of writing to this company on XX/XX/XXXX, with  clear instruction differentiating my fathers data with mine. 
our personal info detail differs from one another. 
My fathers name : XXXX XXXX XXXX, My fathers Social security number : XXXX XXXX XXXX, My fathers date of Birth : XX/XX/XXXX. 
This is my information : My names are : XXXX XXXX XXXX XXXX, My social Security number : XXXX, My Date of Birth : XX/XX/XXXX. 
Unfortunately, with all my detailed differences, this company still went ahead and kept reporting both our data merged until now. Yet again the following accounts are not mine and I need removed asap : XXXX XXXX XXXX, CA XXXX This is not my address, please delete XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Not mine, please delete XXXX XXXX XXXX XXXX XXXX , CA XXXX Not mine, please delete XXXX   XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize what this is, please delete asap XXXX XXXX XXXX # XXXX I have no knowledge of this account please delete I am looking at taking legal action if my data is not separated from my data. 
Attached here with is the first dispute I sent to this company.
Product: Money transfer, virtual currency, or money service

Filing a complaint against cash app for putting my account in a vulnerable and unprotected place by failing to address and prevent fraud. In addition they have confusing and deceptive practices that dont meet EFTA regulations causing financial loss. I would seek redress for these violations.
Product: Checking or savings account

I applied for a checking account with Navy Federal because I qualify due to my roommate. 

Navy Federal has yet to approve my application, I have submitted all of the requested documentation and still have yet to be issued a debit card or account number for my checking account.
Product: Checking or savings account

I have a both business and personal accounts with PNC. My XXXX   needs to connect to another bank in order to receive ACH payments from a customer, but PNC has made a change that prevents me from linking my account making electronic transfer of payments impossible. This is a very important customer to my XXXX XXXX, and this action will prevent me from doing business with them in an efficient manner.
Product: Credit reporting or other personal consumer reports

EVERY MORNING UPON SEEING MY CREDIT REPORT, THESE HARD INQUIRIES ARE STILL STRESSING ME OUT AND MAKING ME LITERALLY SICK. PLEASE HELP PERMANENTLY REMOVE THESE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a few items on my credit report however it keeps coming back as verified. 

XXXX XXXXXXXX XXXX Also a lot or inquires In XXXX i spoke to a police officer they gave me a police report I called all 3 beaus with the report number.

I was told it would take 5 bus days its now XXXX.. the bearus said that it came back verified. not that they verifed what was " verifed '' on top of that i have a enormous amount of inquires that are still there. The Poeple just keep running my credit over and over ..it was so bad they transposed my soc sec giving a me joint file for a long time and no one know Ive now submitted my police report to you guys
Product: Credit reporting or other personal consumer reports

capital one is not reporting to the credit bureaus correctly for my payments in XX/XX/2024. They should be reporting that it was current no unknown, I paid it and have proof of the payments in XXXX. Please have them update all XXXX credits places as they do a percentage and with this not showing it was current in XXXX, it lowers this score. I am trying to buy a home for my children and I. 

Thank you
Product: Debt collection

2 accounts in collection are not mine. 
First financial for XXXX XXXX College. I never attended or enrolled in classes there. 
XXXX XXXX XXXX for XXXX Hospital. I always used my health insurance for hospital. This is not mine. 
There are multiple people with my name. 
Use my middle initial and date of birth to see its not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : XXXX DOB : XX/XX/XXXX 2 XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have contacted all three credit bureaus XXXX, XXXX, and Transunion on XX/XX/XXXX and these inquires and addresses have not been removed. 

Credit Inquiries The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of XXXX XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX The following addresses are not related to me for any purposes : Former Address2 XXXX XXXX   XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former AddressXXXX XXXX XXXX XXXX XXXX XXXX, VA,XXXX   First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address4 XXXX XXXX XXXX   XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXXLast Reported XX/XX/XXXX Former AddressXXXX XXXX  XXXX XXXX XXXX, VA,XXXX First Reported XXXXLast Reported XX/XX/XXXX Please remove these inquiries and addresses from my credit report immediately. I have enclosed a copy of my drivers license as proof of my identity. 


Respectfully, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchase something through PayPal invoice, but I did not receive the product. 
Can I get protected and get refund?
Product: Mortgage

I recently received my annual escrow account disclosure statement. The company claims that there will be a shortfall this past year and is attempting to add to my monthly payment by approximately {$500.00} per month.   The calculation is fro m  XX/XX/XXXX  through  XX/XX/XXXX . It shows a total of {$20000.00} being paid towards my real estate taxes. The  payments are shown to be as follows  :  XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX    XX/XX/XXXX   for  XXXX  As can be s een, 6 quar terly payments were calculated into 12 months. My actual taxes are  XXXX  per year and not the more t han 20,000 that t hey are claiming.     Even if, as they have done, paid the second quarter of  XX/XX/XXXX  late ( in  XX/XX/XXXX   )  and the second quarter of  XX/XX/XXXX  early ( in  XX/XX/XXXX   ),  it would only b e 5 payment s and not the  6 th at they are claiming.   Attached my tax statement showing that I am paid up through the second quarter of  XX/XX/XXXX  with o nly 5 payments, not 6 as has been claimed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number-XXXX  To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit card

On XXXX/XXXX/XXXX we were looking at XXXX online exploring availability of show tickets and saw prices for a show that looked like a good value. When we entered our credit card information and selected the tickets the purchase was " XXXX '' back to us at a price ( {$760.00} ) far greater than we thought we were agreeing to. We tried calling XXXX but could not reach a " Supervisor '' as we were told we must. Despairing of that XXXX, we called Chase Credit Card and told them the problem. Chase closed the account, issued us a new card/account # and said they would " investigate. '' After we exchanged letters and phone calls with Chase numbers of times they announced on XXXX XXXX, XXXX that " as a result of our investigation, the charge is considered valid. '' I have written to Chase on XXXX XXXX, XXXX and again by Certified USPO Mail on XXXX XXXX, XXXX asking for the details of their investigation. No answer has been provided. I 'm asking the FTC to require Chase 1 ) to provide copies of proof that I owe XXXX {$760.00} or 2 ) Credit my account for {$760.00}.
Product: Debt collection

In short I've been fighting this debt for about 3 years now NCB Management Services bought my old car loan from XXXX XXXX after it was repossessed when the car was repossessed I only owed about two maybe three months of Miss payments which would have totaled at most a little over {$1200.00} I have contacted NCB Management Services let them know this they acknowledged that they had paperwork saying XXXX XXXX would continue my car loan if I paid a little over {$1100.00}, I communicated with them multiple times that that is all I owed once the car was repossessed they were not allowed to be charge for the entire loan they still keep trying to charge me and now I want to stop with me from buying a house and I would like this entire debt removed as they willingly continue to purchase the wrong amount of debt in order to gain the most money for them, if a car is repossessed and is still in good working condition able to be sold again from my investigating they are not allowed to charge the full price of the vehicle but they're still trying to do that.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX has been repeatedly calling my spouse, even though the spouses name and information isnt attached to the account in question. I dont know how they got it and why they would be contacting someone thats not the account holder. They do not leave a message and have called him during work hours more than once. This is inappropriate and needs to stop. I have already been in contact with the company Viking is calling on behalf of for months now, with an arrangement to have money deducted from my account every month. The company did not inform me that they were calling a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX {$620.00} Open balance XXXX   XXXX  Last reported XX/XX/XXXX {$620.00} Open balance XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - XXXX XXXX Reported : XXXX XXXX, XXXX - XXXX XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX - XXXX XXXX  Reported : XXXX XXXX, XXXX XXXX   XXXX  Reported : XXXX XXXX, XXXX XXXX  - XXXX XXXX  + XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Product: Debt collection

I have never received an original bill for either of the accounts that were listed on my credit report by National Credit Audit. I recall asking for documentation of this quite some time ago however my request was ignored yet these two accounts remain on my credit report! I also made a call and all the agent ( XXXX ) could tell me is the amount that she was told that I owed and that I can pay on their website and theyll give it to the individuals that said I owed these monies to them. Who are they? Why am I speaking with you and not them? Why havent I received any documentation of this said bill? My address most certainly has to be known since this 3rd party company has accessed my credit report so why wasnt any documentation sent? XXXX even went as far as saying that the company told her that they will take a portion of the amount and dismiss the rest what company? Who? Am I supposed to take your word for it?
Product: Debt collection

XXXX XXXX IS ATTEMPTING TO COLLECT {$290.00} FOR CREDIT CARD CHARGES THEY SAY I OWE ( FROM THE DEPT STORE KNOWN AS XXXX OF FLORIDA ). I DID NOT INCUR THESE CHARGES AND RARELY USED THE CARD. I CLOSED THE ACCOUNT WITH XXXX WHEN I MOVED OUT OF STATE. IN ADDITION, AND MOST IMPORTANTLY, I NEVER GOT A BILL FROM THE DEPARTMENT STORE! APPARENTLY, THIS IS A RESULT OF CREDIT CARD THEFT. AS YOU CAN SEE FROM MY CREDIT HISTORY, I PAY MY BILLS IN FULL AND ON TIME. 
I CALLED THE COLLECTION AGENCY TWICE TO DISPUTE THE CHARGE BUT THEY KEEP SENDING ME NOTICES IN THE MAIL EVERY MONTH.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit Reporting Credit Report File Number : XXXX Dear XXXX, I am writing to formally dispute the inaccurate and unverifiable information currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure maximum possible accuracy of the information they report and to properly investigate disputes within a reasonable time frame of at least XXXX business days. ( 15 U.S.C. 1681i ).

The following item ( s ) is/are being disputed for failing verification and accuracy standards : XXXX. XXXX XXXX XXXX Basis of Dispute Upon my previous attempts to dispute this information, your methods of verification have proven to be inadequate, incomplete, and invalid. The FCRA requires credit reporting agencies to conduct meaningful and independent investigations ( XXXXXXXX XXXX XXXX  ). Simply contacting the data furnisher without conducting your own investigation does not meet this legal obligation. 
Moreover, the information being reported has no supporting documentation or legitimate evidence provided to me as proof of its accuracy. Your continued reporting of this unverifiable and inaccurate information constitutes a clear violation of my rights under the FCRA.

Required Action I demand that you immediately delete the disputed item ( s ) from my credit file as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the FCRA when information can not be verified. Failure to do so will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action to enforce my rights.

Additional Notes Please be advised that I am requesting a detailed explanation of the methods used to verify the accuracy of this information. As mandated by 15 U.S.C. 1681g ( a ) ( 2 ), you are required to provide me with the name, address, and contact information of the original creditor or data furnisher that you relied upon. Without this, the reporting is invalid and must be removed.

I expect a full resolution of this matter within the legally required time frame of 4 days or less ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). Failure to comply with this request will constitute willful noncompliance with federal law, and I will take further action accordingly. 
Please confirm receipt of this dispute and notify me in writing as well as email of the actions taken regarding my file. 
Sincerely, XXXX XXXX
Product: Student loan

I previously had my loans through XXXX but switched to Fed loan servicing approximately 3 to 4 years ago. 

Issue 1 ) I have been receiving what I believe to be inaccurate qualifying payment counts that go towards PSLF. I requested a manual recount of my qualifying payments over 9 months ago. I still have no response and am just continuing to be told that " it takes time. '' I have been making qualifying payments for just shy of 6 years. I paid ahead at one point and so realize I will not get credit for about 9 months of payments, but should have at least 5 years or 60 payments that qualify. They have me at far less than this. 

Issue 2 ) The other issue I have is that I recently re-certified my income for an income based plan. My payment went up more than expected. When I did research into this they had me in the IBR plan. If you look at my formal re-certification document from 2016 you can clearly see that I selected to transition to the REPAYE program ; and every year since have selected to stay in that program. This had led to increased financial hardship on my part. The answer from fed loan servicing was to request to switch from IBR to REPAYE now. Switching now instead of 4 years ago when I initially requested it has led to more interest accumulating which will now capitalize as I switch.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally lodge a complaint regarding the second attempt made to remove the fraudulent items from my account. Despite the previous assurances and the initial steps taken, I am disheartened to report that the issue persists, causing undue stress and inconvenience on my part. 

This failure to effectively address the fraudulent activity not only jeopardizes my financial security but also undermines my trust in your institution 's ability to safeguard its customers ' interests. 

I urge you to escalate this matter to the appropriate authorities within your organization and take decisive action to rectify the situation promptly. I expect a comprehensive investigation into the root causes of these repeated failures and assurances that measures will be implemented to prevent similar occurrences in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX  XXXX XXXX XXXX Balance XXXX {$5500.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$260.00} XXXX XXXX  XXXX XXXX XXXX {$380.00} XXXX  XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} 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 Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX {$260.00} XXXX XXXX  XXXX Balance : {$380.00} XXXX  XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I finally am getting last years tax refund. But my credit karma spend account was closed. I was in the hospital last year and recovered only to see they closed my account. 
My refund is being sent today it tomorrow. And I have been trying for a week to get some kind of help..every single support agent is completely untrained ill-informed and purposely trying to waste your time. And I wish I was exaggerating. I am a XXXXXXXX XXXX of XXXX  and I desperately need that money and yet a billion dollar corporation like credit karma and into it are thoroughly giving me the runaround. I have received a different " answer '' by every single agent I spoke with. And I find it hard to believe that in the year XXXX  when we have drones hovering in the sky, you're telling me you can't type in my new bank account information to redirect that check? I find that extremely hard to believe. 

My children and I have had a horrible year. We had to leave our abuser and ... anyway. 

So now I'm not sure what my address in file with credit karma is. It should be XXXX XXXX XXXX XXXX pa XXXX That's what it was when I opened the account. 

And then we lived at XXXX XXXX XXXX XXXX PA XXXX for a few months. 

But now my current address is XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Bank account or service

A check was stolen from my purse, forged, and cashed for {$500.00} through an account with Bank of America. It was an obvious forgery that never would have passed a visual inspection. I filed an affidavit of forgery and a police report, but my bank ( XXXX South Carolina ) says that Bank of America is liable for the fraudulent check, and Bank of America says that XXXX is liable. Neither will refund my money.