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

" XXXX has been reporting erroneous information when asked to supply a written consent from me nothing was supplied XXXX and all the consumer reporting agencies must remove this account an stop reporting this account immediately ''
Product: Credit reporting or other personal consumer reports

I AM WRITING IN REGARDS TO THESE UNAUTHORIZED INQUIRES BEING REPORTED ON MY CREDIT REPORT. THESE INQUIRES ARE FRAUDULANT AND UNDER CODE 15 USC 1681c-2 BLOCKING OF INFORMATION DEEMED IDENITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

according to 605b of the fcra a consumer reporting agency shall block the reporting of 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 by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 15 usc 1681c-2 blocking of information resulting from identity theft. I filed ftc report and sent a written statement explaining that these transaction weren't related to me in any way as the consumer. that I've never received money or general goods but yet they've failed to properly investigate and verified the erroneous accounts from their failure to properly re-investigate these claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and Equifax ) on/around XX/XX/2020 and a second written request was sent via certified mail on XXXX XXXX, 2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by Experian, XXXX  and XXXX  on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Product: Credit card or prepaid card

Ive been calling Avant about an account that is showing up on my credit report as a charge off. Avant has refused to send me copies of the statements to proof how I got those charges.
Product: Student loan

I have been XXXX since 2018 and receive XXXX  XXXX that ended up being for the needy. I worked 10 years and filed and was denied. Refiled again and didn't get what I was insured for. I am XXXX XXXX XXXX and have sent in XXXX Dismissal to XXXX and Nelnet twice and once with a Dr.s signature. They refuse to act on my claim and are threatening my credit today. It has been five years, and at XXXX you don't do reviews. I have never worked in my field and my degrees ended up being worthless. I need relief. I have XXXX grown children still at home, XXXX by XXXX and XXXX, and I finally have state help in XXXX for assistance and long term care so I don't have to go into a facility. Why won't anyone help me? I have no home or running vehicle, and my oldest son stays here to help me and gets paid. SS has decided to ignore all of this and documents have been sent over and over again. Please Help!
Product: Debt collection

I was contacted by Macy 's saying my account was late on a payment. I had a lot of trouble with them in the last couple months so in XXXX I spoke with someone and she kept giving me wrong balance and said I have XXXX accounts. She ended up giving me a number and told me account was closed. I received an email today saying my account still outstanding. I contacted the number and spent an hour on phone with them telling them I had paid. They said I had XXXX accounts but the XXXX account was closed and the other was still open. They asked for the last 4 of my ss and last 4 of checking account. When they told me they had a problem with connection they asked for my date of birth and I said no way. They said ok can you tell me zip code and I gave them and either or. 
I finally hung up when I realized the number they gave me was a potential scam. What do I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, someone tried to open a Target Credit Card in my name. They ran a hard inquiry credit report that correctly blocked them from opening a credit card, but the hard inquiry remains on my account. There is nothing Target can do about this, but I need this report open so that I can have the hard inquiry removed.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

-15 USC 1681 section 602 A. States I have the right to privacy and the right for inaccurate information to be removed from my Credit Profile.

-15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not Furnish an account without my written instructions - 15 ISC 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 7 years.

- 15 USC 1681 S2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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: Checking or savings account

On XX/XX/2021, I went to a XXXX XXXX to buy something only to have my card declined several times. I left the store and called Citibank to see what the problem was only to discover my account had been placed on hold with no notification to me. I went on to be on this phone call for around an hour transferred from department to department before the line mysteriously dropped. I continued to call around 6-7 more times this same night with no hope and multiple supervisors transferring me to the fraud department even after it had closed. I gave up for the night and decided to try again on XX/XX/2021 when the fraud department reopened. I tried calling again the next day with no hope and about 10 more failed phone calls. It is now XX/XX/2021 and my money is still on hold at Citibank. I call every single day with the same response that my account is under review. I have a 1 month old child who I have had to borrow money to feed. My water and phone is off and my wifi had about 3 more days. I have been hysterically crying and nobody at Citibank cares. I just want my money back and as soon as they are released I will be closing my account with Citibank. Never bank with these people. This is the worst experience I have ever had. I would call the police if I could.
Product: Mortgage

My husband and I applied for a loan modification through PHH mortgage after missing payments, which we had been instructed to do by the mortgage company in order to get a modification started. We had not missed a payment in over 7 years at that point. Once we received the modification and agreed to it, we made 3 good faith payments on time. They sent us the final documents and my information was incorrect. We sent copies of my license and SS card as instructed and then never heard anything back. We called and left messages several times a week for months until we were finally notified via mail that a foreclosure was imminent because we had " declined '' their offer, when in reality we just wanted to make sure the papers were correct. Now we are being told we can agree again but owe the months leading up to this when they failed to do their job in a lump sum.
Product: Checking or savings account

Numerous past complaints have been filed pertaining to a close out check sent to me on XX/XX/XXXX with a stop payment placed on it and a replacement check which was intercepted by a third party while I was away on vacation. I requested Capital One compare signatures on both checks in prior complaints, they failed to do so and have not reviewed information provided concerning the third party whom forged my signature. I provided information showing my whereabouts at time of check cashing, they refuse to review this information as well and hose to mark my complaints as duplicate to avoid addressing it. The account in question was opened as a result of data breach, opened in XXXX. Capital One rep by the name of XXXX stated there was no breach at that time, however, the time period in which information was exposed is from XXXX to XXXX and my information was on file with Capital One from past accounts which were opened as far back as XXXX. It is highly possible the account was opened due to breach as two credit accounts were also opened in my name, both with Capital One. Again, I request Capital One compare signatures on both checks, one cashed on XX/XX/XXXX and second intercepted check, both in the amount of {$4200.00}. Failing to do so, the attorney representing me in data breach will be notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint today XX/XX/2019 because Transunion has ignored my request received on XX/XX/2019 to provided me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX, my complaint is about PAYPAL!! well my fianc had {$95.00} USD in her paypal account so when she tried to withdrawal the funds for whatever reason it kept giving her some type of error message so, not knowing any better she transferred the funds into my paypal account to see if we would have better luck with mine but seemingly it has opened up a whole other set of problems!! well since the pandemic the local XXXX offices have been closed. so unfortunately my license plate tags have become expired and i had gotten pulled over for the tags being dead so long story short the police officer said he had to take my plates and my D.L 's, leaving me without any form of picture I.D . well paypal says they limited my account from being able to do anything like send receive or withdrawal funds until I upload a picture I.D that is not expired. well I tried and tried to make them understand that i could not get another one made due to the pandemic and that i desperately needed the funds because we had no income at the moment due to pandemic as well and that every XXXX counts right now even if it is only {$95.00} dollars. BUT TO NO AVEIL THEY INSIST THEY WILL HOLD MY MONEY UNTIL PICTURE I.D IS UPLOADED!! PLEAAAAASE HELP!!!. also i asked them why the limitation was put into effect to begin with when its the first transaction ever done!!??? I have called and called and called cant get anybody on the phone and very seldom someone replies to my messages after days and days of waiting!! i have since heard so many horrible stories of the unfair and terrible business paypal does from sooo many people WHY IS THIS COMPANY NOT HAVING TO COMPENSATE FOR THE TERROR THEY BRING TO SO MANY PEOPLE??!! Thanks and God bless you and your families
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agencies ( CRA ) continued to report inaccurate and inconsistent information on my credit report. I have disputed these accounts for the past 60 days with the original creditors and have received few followups with the creditors but CRA 'S are inconsistent in verifying this information. All these agencies should be reporting same information and investigate disputes that the consumer requested, instead they continue to resolve disputes without providing me with the methods use to verify the information. I have send letters with all documentation needed but they keep saying investigation still in progress. I have several accounts that says resolved but the status was never updated and unknown addresses and variations of my name continue to be added on my report, after I disputed that information and sent a valid identification, SSN and utility bill to verify my identity. As a victim of identity theft, I request you do a thorough investigation and provide with information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY FAILED TO ADDRESS THE ISSUE AS STATED IN MY COMPLAINT. 

THIS IS THE THE FULL TEXT OF MY COMPLAINT : I have had a credit score of over 815 for at least 20 years and this is constant. Nothing new in my financial life is changed. Never paid interest on credit cards because I pay them off every two weeks. My savings is over XXXX in XXXX. I have outstanding credit worthiness and available credit to me is over XXXX. Transition decreased my score by XXXX points and when I talked with a Customer service rep. he could not tell me why. Nothing in my report is adverse so now I have this change from Excellent to Very Good for no apparent reason. I will be applying for a small home loan in the future and this will affect my interest rate negatively..
Product: Debt collection

I have been reviewing my credit report and noticed that a company is trying to collect a debt that I do not know about. I have been a victim of identity theft in the past and believe that this is a continuation of this event. I can not or will not allow this collector to ruin my credit report, because it has never sent any notices or any communications to me so therefore, I would not have known anything until seeing on my report. 

I have never contracted with this company in ANY capacity and wish for this to be immediately removed from my each of my bureau accounts.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX ; XXXX XXXX  inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/XXXX THE HOME DEPOT/CBNA XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Re : Account number : XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX for my THE HOME DEPOT/CBNA account. 
I want you to know that I understand my financial obligations, and if it werent for Covid-19, Id have an excellent repayment record. I made a mistake in falling behind, but Since then, Ive had a spotless record of on-time payments. 
It has come to my attention that the missed payment on my record could hurt my ability to qualify for buying a home. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on the said account Thank you for your consideration, and I hope youll approve my request. 

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2023, I've sent several letters to Lexis Nexis about how they could report the following Bankruptcy XXXX XXXX  case number XXXX and the source where they received the information so I could contact them directly. I researched and discovered that the US Bankruptcy Court GA XXXX does not report to any third-party Credit Reporting agencies XXXX I still demand all of the verifiable proof, such as the original instrument containing my signature, Pay-off, Interest Rate, Discloser, Balance and Payment History that they have listed for the following Bankruptcy XXXX XXXX case number XXXX.
Product: Mortgage

in XX/XX/XXXX I paid off an old charged off debt made by XXXX and serviced by loancare service center, account XXXX, it continues to show up as an open account with {$31000.00} unpaid, I have not received a statement for over five years.
Product: Checking or savings account

I am a member of USAA for almost 30 years and on XX/XX/2019 a direct deposit in the amount of {$4500.00} was posted to my checking account for my payroll. On XX/XX/2019 I tried to raise my atm daily limit from {$610.00} to {$4500.00} on the USAA app, but was only able to raise to {$3000.00}. I then contacted USAA via their 800 number and first spoke with XXXX, who told me that my daily limit was not going to be raised. I explained to her that was a payroll deposit and funds should be available for withdrawal, since there is no hold for direct deposits. She continued telling me that the atm daily limit could not be raised, so I asked to speak with a manager or supervisor and she continued repeating that my limit would not be raised and did not transfer me. I then rang up and called again and after one hour in between holds on the phone, I was able to connect with a member of the executive resolutions office, who told me that since I had an overdraft on the past 12 months, I did not qualify for an atm limit raise to withdrawal my own payroll funds. I had then to transfer part of my funds to my son 's account to access the entire amount of my payroll.
Product: Credit reporting or other personal consumer reports

Experian has sent stall letters in response to disputes to the inaccurate information found on my credit report, despite the fact I sent in all correct Identification information!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report I was shocked to l have been a victim of XXXX XXXX. I found numerous accounts on my credit report they were not open by me.This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible
Product: Debt collection

I submitted a complaint with CFPB regarding excessive calls from Midland Credit on XX/XX/2023 ( # XXXX ). Response quote below. I am still receiving phone calls. Specifically, today at XXXX from number XXXX. This is ridiculous and harassment and needs to stop. 


" Per your concerns, the above-referenced accounts have been marked Cease and Desist. While they remain due and owing, we will no longer contact you unless required by law. Please be assured that we are a reputable company. We consider consumer complaints a serious matter, fully respect consumers rights, and apologize for the inconvenience caused to you. Thank you again for your assistance in this matter. ''