23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and a number of fraudulent accounts were opened in my name. I have contacted the companies involved and they are still showing on my report and this is hurting my chances getting a mortgage. I need these unauthorized accounts removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting an unsubstantiated claim by XXXX XXXX XXXX a collection in the amount of {$2700.00} partial account number XXXX. ( Please see page 24 of the attached credit report. ) These line items report Ownership as either Joint and/or Co-Signer. I did, in the past, co-sign for a friend on her apartment. She resided in the apartment for the one year lease term. After the initial lease term expired, I was no longer financially obligated to this lease. She decided to stay in the apartment for another year. She solely, on her own, signed the new lease. I did not sign any documentation for a new lease term. She consequently decided a short time after to vacate the premises. Now XXXX XXXX XXXX   are holding me responsible for her breaking her lease. I, again, did NOT sign any documents for the new lease and I am NOT monetarily responsible for this debt. This incorrect reporting of a collection on my credit report is harming my credit score.
Product: Student loan

I took out private student loans from Sallie Mae from approximately XXXX. Because of the monthly payments once out of school, I would go into forbearance for XXXX year at a time. When I would come out of forbearance, interest only accumulated each time, so I would continue to do the forbearance option year after year. My loans have now snowballed. There was even many periods where I would do the income driven payment plans, so have paid tens of thousands of dollars back already. My balance today is around {$110000.00} at XXXX, where I believe Navient hold the loans, which previous to Navient I believewas Sallie Mae. I did consolidate federal and private loans all together with XXXX in 2021, but it has done nothing but hurt me and limit my options. I honestly need this entire balance XXXX and out of my life. It is ruining my life. Continuing to send me $ XXXX {$10000.00} checks without having to show proof of what the funds are needed for from XXXX while only XXXX years old is criminal and predatory.
Product: Money transfer, virtual currency, or money service

My paypal account was closed for no reason. They said they can't help me about it and are not able to tell me as to why, you can check the screenshot of their email, saying " there is no further detail I can provide ''. I am not sure if this is a mistake as I assume it has to be because I already gave them what they're asking to resolve the matter, I gave my National ID, my transactions but they still limit my account. They will freeze all my assets up to 180 days. I am so frustrated because all of that money is from my own pocket. I remember I could file a complaint here as I feel they are not doing their job properly and I have used paypal so many times and some transactions didn't end up limiting my account, I don't know what basis they have for doing this. What happened to me affects me and also my family here in the XXXX and as we are about to spend my funds for XXXX but now I can't even spend a single cent. I shouldn't beg anyone to give my own money back because I have all the right from it. My email linked to my paypal is this - XXXX. Thank you so much.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and saw some inquires I do not recognize : XXXX XXXX XXXX, Fifth 3rd Bank N and XXXX XXXX. I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit. This is fraudulent.
Product: Mortgage

I closed on a refinanced mortgage with Loan Depot where the cash to close was not correct due to the amount owed on my existing loan didn't match what they had on their paperwork. This mismatch was due to the fact that I made a payment on my existing loan in between the time the paperwork was created. When I brought this up I was told that I would be refunded any differences between what my closing costs where and what I actually owed on the house. After the closing the closing costs + what I owed on the house + what I was refunded - what I was owed on the house do not match up. From my calculations I am still owed approximately {$940.00}. I have reached out several times to Loan Depot and they refuse to talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen in XX/XX/XXXX. The thieves opened 2 credit line accounts with SunTrust bank. I found out in XX/XX/XXXX. Had a police report made and notified the the 3 Credit Bureaus. All of them is such a difficult thing to get help. almost impossible. The websites aren't clear as to what to do. The numbers they provide are not right, as they are automated and no way to speak to a person. In special with XXXX, I filed a dispute, notified them of the identity theft back in XX/XX/XXXX, printed a report with the information and as of today, XX/XX/XXXX my credit is still showing the derogatory information. 
It is absurd what a person has to go through after being victimized by thieves. Something needs to be done about these companies. XXXX XXXX is the same thing. I notified the 3 of the fraud, yet, I had to spend the day talking to them.
Product: Credit reporting or other personal consumer reports

I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to Metro 2 compliance standards.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing one account with Experian since XX/XX/2021. I have had nothing but problems with getting a response from them! I know they are required by law to provide some type of response to the dispute I send in but I haven't received anything. I even went as far as sending the last 2 letters through certified mail because I wanted to make sure Experian received them, and they did! But here we are, XX/XX/XXXX, with nothing received to me from Experian. This is not acceptable as they are clearly breaking the law and not having and repercussions for it!
Product: Credit reporting or other personal consumer reports

The late payments listed do not align with my typical payment behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired Lexington Law Firm to remove erroneous information from my credit report. I spoke with a representative and explained my needs. I understand that it can take 30-60 days for a response. They continue bill me for XXXX  XXXX that I did not ask for while I await a response from creditors. Ironically the erroneous charge on my credit report is only {$350.00}. I've paid Lexington {$910.00} for services.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX  XXXX Balance Owed : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting I Owe {$220.00} on my experian credit report. I NEVER HAD A XXXX XXXX ACCOUNT NOR ORDERED ANYTHING FROM XXXX XXXX. I WILL SUE XXXX XXXX  AND EXPERIAN IF THIS INCORRECT INFORMATION IS NOT REMOVED
Product: Credit reporting or other personal consumer reports

According to the IRS, an unpaid charge off is income. According to the FCRA, income can not be reported on a credit report. I have received a 1099-C for the accounts listed here : ( Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX*After checking a copy of my most recent report, it appears these accounts are still being reported. These accounts can not be reported on my credit report ( according to law ), not even to mention violation of 15 US Code 1601b. I demand these accounts to be removed from my credit report immediately.
Product: Checking or savings account

Wednesday I did not receive my deposit, figured my employer was late. Thursday I went to capital ones XXXX page and not by their comments because they never posted anything until today but my other customers I determined that they were having technical issues. Its now going on day four with Monday being a federal holiday and I have no access to my direct deposit. Bills are due late feels and over draft fees from bills not processing. Called and hung up due to the overwhelming amount of calls.
Product: Vehicle loan or lease

Since XX/XX/XXXX I have been trying to get my Full Account History, Including Interest and Late Fees. According to my records, my vehicle should be paid off. 

XX/XX/XXXX - Faxed request to First Credit Finance for Full Account History Including Interest and Late Fees XXXX - Faxed second request to First Credit Finance for Full Account History Including Interest and Late Fees XX/XX/XXXX - Received Payment History ( Not Full Account History as requested ) XX/XX/XXXX - Emailed Customer Care that I had Received Payment History ( Not Full Account History as requested ). 

XX/XX/XXXX - Response from First Credit Finance that Payment History was sent on XXXX. 

XX/XX/XXXX - Emailed Customer Care again that I had Received Payment History ( Not Full Account History as requested ). 

XX/XX/XXXX - Spoke to XXXX at XXXX ext. XXXX. After leaving me on hold for over 20 minutes XXXX comes back to the phone and says the office is now closed and she will call me back tomorrow, which she never does. 

XXXX - Attempted to call XXXX, I was told that she was unavailable and my call was sent to XXXX XXXX.. XXXX said He will send my Full Account History including interest and late fees out in the mail today. 

XX/XX/XXXX - Emailed XXXX XXXX that I had not received my Full Account History, which he says he mailed on XX/XX/XXXX. 

XX/XX/XXXX - I received a call from First Credit Finance regarding a late payment. I informed the representative that according to my records, my vehicle should be paid off and that I have made several attempts to get my Full Account History since XXXX and I have not received it. The representative said she would get a message to that department to return my call, as of XX/XX/XXXX no one has called me back. 

XXXX - Second Email to XXXX XXXX, that I had not received my Full Account History, which he says he mailed on XX/XX/XXXX. 

XX/XX/XXXX - Called XXXX XXXX He now says, That he submitted a request to have my Full Account History mailed out, he is not sure why that has not been sent out. At XXXX XXXX, when he tried to get a supervisor on the phone, they were at lunch.
Product: Checking or savings account

hey Citi, my name is XXXX and i've been with you guys for a couple months now and i have been enjoying my experience so far but today i had to file a fraud claim because there was unauthorized charges totaling {$900.00} going to a merchant, not sure how this happened or how someone stole my debit card info and its in my possession but regardless, i filed a fraud claim today. I lost all my money i needed to pay bills for this month and i have no idea what to do, i was told i would be issued a new debit card and its expedited to my address on file but what about my money that was stolen? this is blatant fraud as i dont even have prior history nor use the merchant. whatever they used to steal my money. im nervous i wont get my money back based on other customers reviews i have been reading so im filing this claim today with the CFPB. CLaim Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted  XXXX ,  XXXX  and Transunion about removing multiply inquires off my report. I called by phone  XXXX   XXXX  ,2017 a d also faxed out letters  XXXX   XXXX  ,2017  that were sent certified. Called  XXXX / XXXX  /2017 and   was transferred to the wrong department. There are  XXXX  inquiries which most of them I did not giver permission to wrong my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct number XXXX was to be removed from my credit report in it 's entirety by XXXX XXXX per my old XXXX credit report. 
this account is still being reported today after several disputes. the credit bureaus have verified the account or the credit bureau has claimed to have processed my dispute. 

also there is a lein that was released back in XXXX XXXX this is not being reported by the court or recorders office. thus the credit bureau should not be maintaining this record. after sending certified letters to both XXXX and the credit bureaus on XXXX/XXXX/XXXX concerning these accounts I have been ignored. 

I continue to incur damages as a result of the credit bureaus reporting. denied a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Mortgage

XXXX XXXX, lost his wife in XX/XX/2012, he was not able to work for a period. 
He himself became ill. He has tried to work with Ocwen Loan Servicing and after ] not being able to get any kind of help from Ocwen he hired an attorney who caused him nothing but trouble. 

Since that time he has tried to reapply for a loan modification and so far he has been declined because he did not know what to do. 

XXXX is a XXXX XXXX  and XXXX  XXXX XXXX he has a great paying job and he wants to save his home he has income that he can prove. 

They said that he could do an appeal or resubmit a new application. we are writing to the CFPB to make sure that they do give him a fair chance at applying and getting a true evaluation because his circumstances have truly changed for the better. 
Thank You
Product: Credit card or prepaid card

I filed a claim for unemployment in Indiana my request was grant by XXXX unemployment and by my employer to pay the claim XXXX. My first 7 days was a waiting week. XX/XX/2019 - XX/XX/2019. the 2nd week XXXX I filed my claim on XX/XX/2019 and was paid {$390.00} on XX/XX/2019. 3rd week I filed my claim on XX/XX/2019 and was paid {$390.00} on XX/XX/2019. The 4th week I filed my claim on XX/XX/2019 and was paid {$390.00} on XX/XX/2019. I contacted the Eppic.card company when my first posting on XX/XX/2019 for pay to make sure they had all the information for my debit card they said yes and that my card would arrive in 5 to 7 business days. On the 6 Day I contacted them again because now I had 2 pays in their accounts and no way to get my money without the card. The man started asking me a lot of questions from Eppicard company and transferred me to another agent and that agent said they had to block my card because I didn't answer the question correctly about using the card. The XXXX unemployment personel corrected this problem. I now have 3 pays in my account, and Eppicard company is saying that it takes 7 to 10 business days to receive my card. they are holding my money {$1100.00} Why is it taking so long to get a cards XX/XX/2019. WAITING. Eppicard Phone # XXXX XXXX ) XXXX ( RIDICULOUS )
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have reviewed my credit reports and show an inaccurate/ incomplete account being reported to my credit file by Equifax XXXX I have disputed with Equifax and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report XXXX {$1200.00} no response from Equifax no creditor or collection company name being reported HIPPA VIOLATON multiple disputes no update to reporting REMOVE XXXX - {$270.00} no response from Equifax no creditor or collection company name being reported HIPPA VIOLATON multiple disputes no update to reporting REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX, XXXX, and TransUnion they will not delete old information unless this report is submitted. There is a ton of old information on all 3 reports which do not belong to me, and frankly, mispelled/incorrect. 

I would like all of the information I am requesting to be deleted immediately.
Product: Credit card or prepaid card

After missing a connecting flight from XXXX, XXXX XXXX to go to XXXX, XXXX through XXXX XXXX XXXX. I had purchased two more tickets on XX/XX/2019 to leave on in the next day, XX/XX/2019 with my American Express Gold card at the XXXX XXXX XXXX counter. 

Both tickets were XXXX XXXX for each ticket, which was {$490.00} USD for each ticket. Which gave a total of {$980.00} USD. 

A month ( XXXX ) later I see an additional charge from XXXX XXXX XXXX for {$510.00} with the recorded date of XX/XX/2019 that totaled {$1000.00}. 

I was back in the US on XX/XX/2019 and my friend was in his home country, also on that date. 

Actions I took : -Notified XXXX XXXX XXXX via phone multiple times no response. 

-Informed American Express and they denied my dispute twice XXXX XXXX XXXX provided information on the original round trip tickets and the newly purchased one way tickets in responding to the American Express dispute XXXX But no info on the additional charges of {$1000.00}. I dont know the ticket number, who the tickets were assigned to, nor the destination. 

XXXX Called American Express and tried explaining to them again. No results. 

-Took then to small claims court in XXXX XXXX , NY on XX/XX/2019 and they didnt show up to court -New court date is XX/XX/2019
Product: Checking or savings account

I registered for an XXXX XXXX  with Dave ( XXXX XXXX XXXX XXXXXXXX ). During a trip to Florida I received some weird text messages requesting to access my account. When I further looked into the situation, there were three XXXX XXXX  taken through the Dave mobile application on XX/XX/XXXXXXXX  ( in the amount of {$200.00} ), XX/XX/XXXX ( in the amount of {$200.00} ), and XX/XX/XXXX ( in the amount of {$200.00} ). I contacted Dave on XX/XX/XXXX after contacting XXXX  XXXX XXXX on XX/XX/XXXX, notifying them that I was a victim of fraud. That someone had taken cash advances and sent them to a debit card ending in XXXX, which is not my debit card. The only debit card that I used and registered with my Dave profile, were my XXXX  XXXX XXXX debit card ending in XXXX which was tied to my XXXX XXXX XXXXXXXX checking account ending in XXXX. Dave immediately admitted to the fraud and stopped the transfer for one of the charges as repayment from my XXXX XXXX XXXXXXXX account ending in XXXX. The other two charges for repayment of the cash advance came out on XXXX. I have yet to be refunded for both of the charges by either financial institution. Dave has stated that they admit the money was sent to an account that is isn't mine, however they will not refund me. XXXX XXXX  XXXX denied my claim for reimbursement.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer credit report, and I have noticed that it also contains information regarding alleged late payments, which I believe fall under the category of " transactions and experiences. '' According to the Fair Credit Reporting Act ( FCRA ) and other applicable laws and regulations, transactions and experiences are explicitly stated as information that should be excluded from a consumer credit file. 

It is important to emphasize that any alleged late payments are indeed transactions and experiences, and their inclusion in my credit report is not only inaccurate but also potentially damaging to my creditworthiness. I firmly believe that these items should not be part of my consumer credit file, as they do not accurately reflect my credit history and financial behavior. I have listed the following information as a reference : Negative Accounts : XXXXXXXX XXXX XXXX Lender : {$180.00}, {$230.00} XXXX, XXXX ( Negative Remarks ) XXXX XXXX XXXX {$180.00}, {$230.00} XXXX, XXXX ( Negative Remarks ) XXXX  XXXX : {$200.00} Equifax, XXXX, XXXX ( Negative Remarks ) XXXX XXXX XXXX XXXX XXXX {$600.00} Equifax, XXXX, XXXX ( Negative Remarks ) XXXX XXXX XXXX XXXX XXXX {$0.00} Equifax, XXXX, XXXX ( Negative Remarks ) Collections : XXXX XXXX XXXX {$480.00} Equifax, XXXX, XXXX ( Negative Remarks ) XXXX XXXX XXXX {$130.00} Equifax, XXXX