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

Dear administration, After my second complain credit agency add to my report more than 40 request for a loan. 
I do understand you make it angry and now they start discriminated me. 
They block my password and I can not log in, I am old and write my password to list, no chance any mistakes. 
After first complain was been 4 request for the loans, and two not belong to me at all, right now you can see attached list. 
I never do any from this requests. 
I had two credit cards, XXXX XXXX and XXXX XXXX, one loan from XXXX XXXX, XXXX car what take from XXXX XXXX. 
I do request from XXXX XXXX for credit card, they send me offer and when I fill this application they answer you do not qualifiyed, and XXXX XXXX XXXX. 
Please do not forget now easy find a location the person use mobile phone. 
I can bring you evidence I do not travel to this company or not do any request online, I have not debt and do not see necessary request for many companies about a loan. 
Right now this fraud from Experian, humiliates and discrimination. 
Please remove all what you add illegality!
Product: Student loan

I was told by FedLoans that my XXXX individual XXXX loan were consolidated, but I found out that was NOT true. XXXX of them are unsub and XXXX of them are sub. The starting balance and current balance are as follows ; Original XXXX current XXXX ( paid off {$67.00} ) Original XXXX current XXXX ( went up {$75.00} ) Original XXXX current XXXX ( went up {$260.00} ) Original XXXX current XXXX ( paid off {$130.00} ) Original XXXX current XXXX ( went up {$220.00} ) This has been over a FOUR Year period! The customer support are always very rude and unintelligent. I had to once go into forbearance due to loss of job, and they were happy to help me ( most likely due to interest collected ). During this time they reported to the credit bearueu that I was delinquent when that was not the case. There was XXXX other time earlier in the years that I had to go into forbearance due to no work. So just twice, both times approved. 

I am back to paying my loan again due to a great full time career. I just looked at my recent payment, and it was split up between the XXXX loans. More was paid to interest than principal, I 've even seen times where 99 % went to interest and 1 % went to principal. 

This loan company only wants your money. They will have you pay for decades, XXXX over your credit report, collect money on interest and never pass go. Over the years of paying this loan on time ( except for those 2 times ), I still have n't been able to decrease it below the {$8400.00} mark. {$470.00} has gone to principal, where as {$990.00} has gone to interest. I will never be able to be rid of these people, I feel like it 's a debt owed to the XXXX
Product: Credit reporting or other personal consumer reports

XXXX Experian dispute charge offs Report number XXXX Charge-offs by law can not have a balance because they have been charged off I have a 1099C showing cancellation of debt. after disputing with Experian they said this statement The incorrect account ( for example XXXX credit card XXXX has not been changed and will remain on your credit report } Experian will not let me dispute it on line so i am asking for your help Thanks XXXX XXXX
Product: Debt collection

I paid XXXX directly in full of {$450.00} on XX/XX/2020. XXXX stated the bill was paid in full and no credit collection acts would take place. By law, XXXX must recall the debt from Convergent Outsourcing. Therefore, Convergent Outsourcing has no legal reason to be reporting on my credit reports and must delete.
Product: Payday loan, title loan, or personal loan

loan number XXXX loan me nc XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX I borrowed {$5100.00} on XX/XX/2015, the dollar amount for financing was {$36000.00}. I have paid back {$16000.00} and I still owe {$2700.00}. I am asking for the bill to be paid in full because the interest has been paid in full.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and discovered inconsistencies and inaccurate late payment reports on my accounts with XXXX  XXXX, XXXX XXXX, and XXXX XXXX ( XXXX XXXX  ) across the three major credit bureaus : XXXX, XXXX, and Equifax. These inaccuracies have negatively impacted my credit score and are in violation of the Fair Credit Reporting Act ( FCRA ). I have previously requested these corrections in other manners to no avail. 

The specific issues are as follows : Inconsistent Reporting of Late Payments : My XXXX  XXXX account shows 90, 60, and 30-day late payments on XXXX. This discrepancy is a violation of FCRA 623, which requires accurate and uniform reporting across all credit bureaus. Thus should be removed Failure to Update Charge-off Status : My XXXX XXXX  and XXXX XXXX ( XXXX XXXX  ) accounts were charged off, but the status has not been updated correctly. If the accounts have been settled or paid, the credit bureaus are required to reflect that, but this has not occurred. This is in violation of FCRA 623, which mandates creditors to report up-to-date and accurate information. 

Inaccurate or Unverified Late Payments : The late payments reported on my XXXX XXXX account are inaccurate, as I had previously disputed the charge-off and related late payments. The credit bureaus have not properly verified this information, violating FCRA 611, which gives consumers the right to dispute inaccurate information and mandates credit bureaus to verify or remove disputed information within 30 days. 

Failure to Resolve Dispute : My XXXX XXXX ( XXXX XXXX  ) account was marked as " dispute resolved, customer disagrees, '' but the credit report still reflects a charge-off with no proper resolution. This indicates that the dispute was not handled fairly, as required by FCRA 611. 

Multiple Hard Inquiries : My XXXX report shows multiple hard inquiries within a short period. These inquiries were unauthorized, this would be a violation of FCRA 604, which restricts the permissible reasons for hard inquiries.
Product: Debt collection

There is a debt reported on my consumer credit file from SNC inc that although I have disputed and asked them to verify or validate, the company refuses to do so. I have asked for documentation, an affidavit, an itemized list whereby I may draw some information and the company refuses all attempts by myself to comply. 

I am asking the CFPB to intercede on my behalf and get the company to comply with my request and provide documentation under the FCRA laws. They are very good about stamping it FCRA compliant but have yet to actually comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 XXXX 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 XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I didnt authorized those hard inquiries that is fraudulent. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experian has neither corrected nor removed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experians inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I found a series of accounts that were opened and being used without my knowledge, consent or authorization. 
This XXXX  XXXX account is inaccurately reporting I owe a XXXX balance on a closed account. 
This is not my account delete immediately. 
I tried contacting the furnisher XXXX XXXX directly via telephone and by mail formally requesting the information be removed but nothing has changed. 
Again this is not my account, but despite communicating this to none effect nothing has changed nor have I received any notice that assures this false inaccurate information shall be removed immediately. I have filed a dispute with the FTC and also I have sent the affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On dates of XX/XX/2020 = {$1500.00} XXXX {$1000.00} XXXX {$1000.00} This is just one of many fraudulent activites that happened when I started recieving my XXXX  from XXXX XXXX. 
These charges were money transfers from me to myself, i dont have two accounts. 
The bank in which this happened is : NetSpend XXXX XXXX XXXX XXXX, Texas XXXX Account XXXX XXXXXXXX I reported this issue as fraud as the bank knows I only have one account and they denied my claim. 
XX/XX/2020 - The card was also uses again threw XXXX, I looked it up on XXXX and its actually a hack. 
I also filed an IC3 report starting the issue and later found out it was a fake report and never made it to the Federal Security team. I will be doing that again as well, i would like to see my money back, this has been going on to long. 
XXXX XXXX XXXX XXXX I hope to hear from somebody soon,,
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor are these my addresses.
Product: Money transfer, virtual currency, or money service

I was using Chase atm located on XXXX XXXX in XXXX Texas XXXX on Saturday at XXXXXXXX XXXX I proceeded to said ATM and inserted my card put pin in and choose cash deposit ATM asked me to proceed with entering my cash as I entered the cash by hand the ATM proceeded to close in order to count money I could hear the ATM making robotic noises then a redish Marroon prompt popped up on the screen stating there was an error with a number attached. The prompt stated there was an error and in order to secure my deposit I needed to call but when I called there was only automated services and I could not get to a human representative I been waiting since Sunday XX/XX/XXXX with no answer to my problem I understand there is a ten day investigative period but that was all the money I had I have XXXX kids and no money to live on a daily basis iv contacted chase and they just keep saying there looking into it never happen to me ever before for forty years I need help with this situation it's stressing me beyond the point
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the hard inquiry ... ..it happened in XXXX which was not me I know I can not get anything at the moment w my credit
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on my prior communication with the Consumer Financial Protection Bureau, dated XX/XX/2024, regarding a late payment entry on my credit report. I contest the accuracy of the reported late payment, as I have successfully settled the associated account. Despite my attempts to address this matter directly with the creditor, the issue persists. I am formally disputing the late payment entry on my account, and the specifics are outlined below : -- -- -- -- -- -- -XXXX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$380.00} -- -- -- -- -- -- -EQUIFAX XXXX XXXX XXXX XXXX XXXX : {$380.00} -- -- -- -- -- -- XXXX : XXXX XXXX  XXXX Balance Owed : {$410.00}. My dispute is grounded in the fact that I have fulfilled all necessary payments and obligations outlined in the settlement agreement for the specified account. I maintain that the late payment entry is inaccurately affecting my creditworthiness. Despite my efforts to resolve this matter by providing evidence of the settlement, the late payment entry persists on my credit report.
Product: Student loan

Submitted proper verification ( form generated and completed via XXXX XXXX XXXX XXXX for period of employment for XXXX program. MOHELA rejected the information stating that the signature is missing or that the format was incorrect. This is not true : the signature is in fact on the document, and further the document was generated directly from XXXX XXXX XXXX 

Attempts to rectify the issue have been unsuccessfull. I have called numerous times, however, due to my work schedule, I can only call on XXXX. The times that I have attempted to call during MOHELA business hours, I have been hung up on before speaking to a representative.
Product: Debt collection

I owe Target in the amount of {$4800.00}, Id tried settling my account in 2021 because Im suffering from XXXX XXXXXXXX long haul illnesses unfortunately Target refuses to Settle my account. Eventually I had forgotten about it.Target forwarded my account to a collection agency without sending a notice first of their intentions. The collections agency sent a letter to my neighbor address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, California XXXX with my name on it, my correct address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, California XXXX. The collections agency is in a violation of privacy act. This had cause me tremendous emotional distress because
Product: Credit card or prepaid card

Citibank has non-industry standard minimum payments and late fee structure which is misleading to the customer. 

On XXXX XXXX, 2020, I made a cash back redemption from credit card reward points that covered my entire monthly statement balance. I therefore had completed my payment obligation of the amount due. Later, I found that Citi had charged me not only a late fee but also accrued interest on my purchases. I called into customer service and was told that the redemption amount did not count toward my minimum required payment. The same goes for decreases in balance due to refund credits direct from a merchant. This causes a very misleading situation where my remaining statement balance could be {$0.00} but I still owe a minimum payment balance, and failure to notice this will result in inflexible late fees and interest charges. This system is flawed and Citi is the only issuer I have ever experienced this with, having owned credit cards from a wide range of credit card issuers.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named XXXX XXXX  has my credit score information and is giving out my information. I have had a freeze on my credit for two and a half years due to the theft of all my personal information. I've never heard of this company and I've never been in contact with them till I tried to call them and I got a recording.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes about my student loans. I recently did another dispute because I have n't received information from the last dispute back from XX/XX/XXXX. I have contacted the student loan companies about removing and not active old loans. I also inquired about why are they still updating as well. Some of the loans were discharged in bankruptcy and the others transferred to XXXX. I spoke with someone XX/X/2017 about the loans, and she stated that she could n't removed the loans because they are no longer affecting my credit despite they are outdated. She also told me not to dispute the loans anymore because each time it will mess up my credit.
Product: Credit card

I am writing to express my immense frustration and disappointment with the customer service provided by American Express in relation to my Hilton Honors Credit Card, which includes the XXXX XXXX benefit. I have encountered a critical technical issue with the registration of my XXXX XXXX, and despite opening four separate cases with Amex in the last five weeks, I have yet to receive a satisfactory resolution to this matter. The first case was initiated on XX/XX/XXXX ( case number XXXX and XXXX ), and I was initially told that it typically takes 7-10 days to resolve such issues. However, it has now been well over 5 weeks, and I have not received any updates or progress reports from Amex regarding the status of my case. This is not only unacceptable but also extremely inconvenient for me, as I rely on the benefits associated with my Hilton Honors Credit Card, including the XXXX XXXX. When I called Amex seeking assistance, I was met with further frustration. The customer service representatives could not provide me with a specific timeframe for when the issue would be resolved. I was simply told to wait, which is not an acceptable response, given the extended time it has taken to address my problem. Furthermore, there was no offer of any alternative solution or workaround to mitigate the inconvenience I am experiencing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to XXXX, Equifax, and XXXX to delete a account ( XXXX XXXX acct number XXXX ) that does not belong to me. I told them to verify it and also to request signatures and to tell me the person they spoke to, they cant verify it because this account does not belong to me. They would never give me any information, just say verified, I would like this account deleted. I sent out 3 letters to all credit agencys in the last 3 months starting in XXXX XXXX, and still have not got a answers. Just sent out 4the letter stating I will sue if its not removed off my report
Product: Checking or savings account

Chime opened up my disputes for unauthorized activity as requested but decided to open two seperate disputes for the same incident. One was for XXXX and the other for XXXX. Well i get a notification one day later which was super fast to investigate that my claim was approved but what was approved was the dispute for a XXXX They senied the one that really is needed for my electric bill. Even though that XXXX transaction they approved was one minute away from the teansactions they denied and even same merchant. I contacted them asking how one minute in time made a difference and nobody knows ( but understand my frustration ) it makes zero sense. And if my electric goes off because they are refusing to put my money back where it belongs i really feel like there should be a heavier price to pay. I have contacted police reguarding the matter of whoever stole my tablet but they didnt even care to investigate its like the denial was automatic. Claim number XXXX is the one that was denied that needs to be reversed
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXXXXXX to shop for an XXXX. As I was getting ready to pick the one I  wanted I sat with my sales man, He told me I had to get my credit pulled to see if I was able to finance the XXXX. We took a look at my credit report and the items listed on my report do not belong to me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerously and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that reporting lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I contacted the company that issued the debt to CMRE and they said they would contact CMRE to remove the debt owed, since it was off the books. However, CMRE still has not removed the debt from my credit report, thus financially hindering my credit abilities and is in violation of the fair credit reporting act. CMRE fails to return any of my phone calls or acknowledge my attorney 's letters. XXXX Adverse Accounts still remain on my credit report from CMRE Financial.
Product: Credit reporting or other personal consumer reports

I am currently facing the denial of my legal entitlement to access the information in my personal credit profile for the ninth time, as stipulated by the FAIR CREDIT REPORTING ACT. I insist on the immediate release of my personal credit report. Enclosed are official documents, including duplicates of my driver 's license, date of birth, and social security number, meeting the criteria for identity verification.