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

Equifax XXXX. 
XXXX XXXX XXXX. 
XXXX. XXXX, GA XXXX Dear sir, I request that you investigate and rewrite/delete an alert in my account. Your report indicates that an military alert has been on from XX/XX/XXXX of XXXX. However, I do not have any military experience in my life, since I am a XXXX nationality ; therefore, it is impossible to be a military employee of this country. XXXX also has the same issue, and its report has the telephone number, however you do not have it on the report. I request you will provide me why your company indicate in my credit report as a military on duty. And correct the statement written in the credit report to the appropriate content, which reflect me. 

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

Bank of America Credit Card ( Spirit Airline Brand ) XXXX Paid off in XX/XX/2021 Still shows I owe {$27.00} Why? And How?
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I had XXXX XXXX at XXXX XXXX XXXX. On XX/XX/XXXX I logged into the hospitals medical billing website that was provided on the bill and paid my bill in full for {$590.00}. I have the email receipt showing that I paid it. A few months later I was contacted by a debt collector stating that I owed XXXX XXXX XXXX {$530.00}. Initially I sent them the credit card statement that showed I paid XXXX {$590.00}. They kept calling and I sent them the email receipt from XXXX XXXX showing that I paid the amount directly to them. It is still in collections. No proof of payment that I sent in worked to get the debt removed. It should have never been sent to collections and I dont know what to do to get it cleared
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reported as XXXX XXXX is falsifying my student loan debt that I have filed as forgiven numerous times and the company has called and sought the mis use of my student loans on numerous occasions in hopes of gaining money that is already settled. 
In addition, the companies XXXX XXXX, and XXXX XXXX XXXX XXXX perpetuate credit use with XXXX XXXX records by switching company names and deleting payments made. The companies were suggested by XXXX XXXX who received payments and proceeded to perpetuate my payments as well. XXXX XXXX was told to be the account holders of XXXX hospital to this date. I have paid these companies numerous times and nothing has been shown on my credit report and my account balances continue to exist regardless of my payments.
Product: Credit reporting or other personal consumer reports

I would like to inform you that I have been a victim of identity theft. 
The fraudulent inquiry listed in this letter and FTC report attached to this platform will help to delete fraudulent inquiry from my TransUnion credit report according 605B of the Fair Credit Reporting Act. 
Fraudulent inquiry is XXXX reported on XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 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'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 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, FL XXXX
Product: Prepaid card

I bought couple of prepaid cards at XXXX in XXXX, TX around XX/XX/2015. When I checked the balance couple of days later I found unauthorized charges on these cards. Someone had called and registered those cards in their name and made few online purchases. 

I called issuing bank on XX/XX/2015, they said they will send an affidavit for me sign so they can start investigation. I was told the affidavit would arrive in XXXX days, but it never came. I called again on XX/XX/XXXX, they took a fresh complaint and said the affidavit would arrive in XXXX days. Again no affidavit. I called again and again and again ... .. Finally affidavit arrived on XX/XX/XXXX!. I filled and faxed it the same day. No response from them so far. 

My funds are stuck for XXXX days. BTW, the issuing bank is U.S. Bank and the card type is Master Card ( Gold colored ). This is what they told me : certain prepaid gift cards in similar situations would first refund the money to the consumer and then they do their investigation, but not with this card. So, stay away from these type of cards ( US Bank National Association issued Master Card gold colored prepaid card ).
Product: Credit reporting or other personal consumer reports

VIOLATION OF Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) NELNET IS IMPROPERLY using my private data to allege debts, and damage me with non-affilated third parties for unpermissible purposes Per : 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency )
Product: Credit card

I accessed my account via the online app for the Upgrade Visa card. There was a link available to update my address to receive a new card. This link, however, did not work. So I contacted customer service and was told my account was permanently suspended due to a delinquent payment if not on this particular account then another account listed on my consumer report. I checked XXXX, XXXX, and XXXX and found no delinquent or missed payments. However, my XXXX score was dropped 75 points from XXXX to XXXX. This happened after I decided on XX/XX/year> to consolidate specific bills and transferred to Upgrade Visa {$4500.00} from my XXXX XXXX XXXX XXXX card paying around 90 % of what was actually due. This left me with a remaining balance of {$370.00}. I believe the penalty to my consumer report was retaliatory in nature due to the reduction of interest payments over a longer period of time.
Product: Mortgage

I refinanced my mortgage with a different company and my old mortgage was paid off in XX/XX/2019 with Freedom Mortgage. I am trying to understand why they have not sent my reimbursement for over payment and additional escrow funds that were in my escrow account at the time of payoff. I have sent them an email 2 times with no responses. First was sent on XX/XX/XXXX just for an inquiry and amounts. I called last week and the lady said it takes 2 weeks to see left over amounts owed back to consumer. I sent another email on XXXX and no responses. All I want to know is how much is owed back to me and when I will see this refunded?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a XXXX  account, for my company, and is not a personal credit card account. No documentation or signature or authorization was ever provided outside of XXXX   application, and outside of any upfront disclosures, and outside of any transparency as to personal credit reporting. Account is not mine. Account belongs to XXXX.
Product: Credit card or prepaid card

Auto pay and bill pay would not go thru for payment. Mailed in payment but it was returned to me. 

Reached out to company to advise that I switched financial institutions to make sure payments could be received thru auto pay and bill pay. 

I was told account was cancelled and threatened to make the payment by the XXXX or account would stay cancelled. 

I informed representative I could go to any authorized XXXX location to ensure payment was received in timely manner. 

I was then told that my payment would be taken and I could reapply for the accounts to be opened.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I receive an email from Venmo informing me that my account is permanently frozen. They also stated my funds would be released to me WITHIN 180 DAYS. 

( Hopefully a human being with some common sense is still reading this. ) XX/XX/XXXX I receive an email from Venmo informing me that the funds that were previously under review ( the only funds I have in Venmo are those we are referring to. ) Are now able to be withdrawn as a standard transfer only, to my bank account. 

XX/XX/XXXX I see the email mentioned above and try getting signed in. I had to email support to assist me on getting signed in. 

XX/XX/XXXX They successfully get me signed jn. I then try to add a bank account to withdraw my money to. However theres a restriction on my account that is preventing me from adding a bank account manually or instantly through Plaid. I again contact support and receive a response that a special team will be assisting me and to wait for their email. I decide Ive waited long enough to receive my money and call support. I was on the phone for 6 hours calling Venmo and being on hold for the most part. I get no assistance. 

XX/XX/XXXX I again call Venmo support and am on the phone for over 6.5 hours. Finally I speak with a supervisor XXXX who says he knows exactly whats wrong and reached out to a friend in another department. After a few minutes XXXX informs me that I can now add a bank. He stays on the phone with me as I make the withdraw. I mess up and send it to the old bank account on file. So XXXX cancels it and walks me through withdrawing my funds. He confirms it has gone through on his end. 

XX/XX/XXXX The money I withdrew the day before is now back Im my balance. So I contact Venmo over and over desperately looking for someone to help me as I never received any correspondence from Venmo regarding my withdraw being canceled. I then speak with a woman who says Ill be emailed. 
I receive the email stating I can not withdraw my money ever.
Product: Credit reporting or other personal consumer reports

I have XXXX unknown addresses that are reporting on my credit report that do not belong to me as I have never lived there. I have sent identification and a bill with my correct address to this bureau, and nothing has been resolved.
Product: Money transfer, virtual currency, or money service

Basically my identity got compromise there was several cash app and XXXX and XXXX opened in my name They was cashing checks in my name too There are been several bank accounts open in my name too
Product: Credit reporting

Equifax thank you for the same info you provide in the US MAIL. UMM But you still are not sending the info that I 'M REQUESTION. Ugh.. The creditor report to you. send you all the info on the consumer. you should have every signed contract that the creditor and I had agreed to when opening up a new account. the law states that the reporting agency should have that info on file and it should be available to the consumer by the credit agency ( which is you Equifax. I have asked you for months to send this to me and you have fail to do so. I DO NOT WANT THE CONTRACT FROM THE CREDITOR I WANT IT FROM YOU TO MAKE SURE YOU ARE REPORTING THE CORRECT INFO
Product: Credit reporting or other personal consumer reports

I hope this letter reaches you under favorable circumstances. I am writing to express my ongoing frustration and dissatisfaction with the unresolved issue of fraudulent items persisting on my credit file, despite my previous attempts to rectify the situation. 

As detailed in my earlier communication, I brought to your attention the presence of fraudulent entries on my credit file. Regrettably, the issue has not been adequately addressed, and the fraudulent items continue to negatively impact my creditworthiness and financial standing. 

To recap the previous attempts made to resolve this matter : Initiated contact with your fraud department to report and request the removal of fraudulent items from my credit file. 

Submitted a formal written complaint, providing comprehensive documentation and evidence to support the fraudulent nature of the items in question. 

Engaged in follow-up communication with your fraud department, cooperating fully in the investigation process and providing any additional information requested. 
Escalated the matter to a supervisor or manager within your organization, seeking urgent intervention and resolution. 

Despite these concerted efforts, the fraudulent items persist, causing undue stress and financial hardship. This situation not only affects my confidence in the security of my personal information but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I implore you to conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit file. Additionally, I request clear communication regarding the steps your institution is taking to prevent similar incidents in the future. 

If this matter is not resolved satisfactorily withinthe specified timeframe from the date of this letter, I may have no choice but to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX Balance : {$890.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed account listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the TransUnion Credit Bureau XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

So, I already have an account with Experian that I made almost 3 years ago but I don't have access to the email/number. The email on file has since locked me out because I'm assuming I accessed it when I was across seas in XXXX last XXXX ( I'm American ), the information I need to verify that the account is mine I don't have because I made the account when I was in XXXX XXXX ( I'm XXXX ). Also the phone number on file with Experian, I don't have access to that anymore because I have a different number and this is also the same number I need to verify on my email address. I tried contacting Experian via phone call but they have a useless bot that can't help me fix the problem nor is it able to transfer my call to a human being.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on MANAGED RECOVERY ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letter on XX/XX/2022. I told all three credit bureaus to INVESTIGATE and VERIFY all information on every account but I got the dispute result from XXXX that the disputed item is verified and updated. 

They can not just say verified and updated the account without proving me regarding proper investigation. Also, every information on the accounts are still not reporting 100 % accurate. According to the FCRA 15 USC 1681, all information should be 100 % ACCURATE. I have the credit report to prove the inaccuracies. 

List of accounts XXXX XXXX  XXXX  Account Number : XXXX
Product: Mortgage

Corporate delay of its mortgage remedy has resulted in loss of prime season sale, mounting court cost, legal fees, emotional, physical and financial distress. Why the inaction? Is it justifiable? Is it appropriate? Is it right? Is it fair? 
XXXX Circuit Court, Family XXXX XXXX, Order No. XXXX XX/XX/XXXX, specifies the subject property shall be assumed by my ex-spouse and to indemnify and hold me harmless. Fifth Third ( The Bank ) was promptly provided a copy of The Order, ex-spouses contact, tenant contact and a copy of the two-year lease. After failure to pay the XX/XX/XXXX XX/XX/XXXX mortgage payments, The Judge ruled XX/XX/XXXX for ex-spouse to bring the mortgage current, and for tenant to pay rent to me ( mortgage solely in my name ; title transferred to ex-spouse to facilitate refinance ). XX/XX/XXXX, rent received/forwarded to The Bank, but returned requiring XX/XX/XXXX XX/XX/XXXX payments. 
XX/XX/XXXX, Complaint 18- was filed against me by The Bank. The Answer and Counterclaim was promptly filed ( attachment ). Now what? The prolonged inaction has resulted in : Loss of real estate prime time sale Spring and Summer XXXX. 
Loss of real estate prime time sale Spring and Summer XXXX. 
Adequate maintenance and preservation decisions are on hold due to an absentee owner, pending resolution/sale of property. 
Subject property is the former residence of a KY Representative. A chapter in her book was dedicated to her beloved home. Several have expressed desire to acquire property, but The Banks inaction has resulted in failed opportunities. This seems to represent an unfair business practice, which has resulted in XXXX XXXX and detrimental personal loss : Credit score has decreased. If property were sold @ 12 months after initial default, then credit score would have rapidly been repaired by today ( all other credit activity paid as agreed ). 
Even The Bank has reduced my revolving credit limit {$5200.00} due to the mortgage delinquency. 
Auto insurance premium has increased due to lower credit score. 
Court costs, legal fees, late fees, inspection fees, etc. have continued to mount ( attachment ). 
Daily calls from The Bank Collectors to my cellular and home telephone ( weekdays ) although The Bank is keenly aware of the pending action. 
XXXX hospitalization due to stress. 
Through counsel, I recently inquired why the foreclosure sale had not occurred. Response, the attached Agreed Judgement and Order of Sale, which includes interest on the principal balance from XX/XX/XXXX until date of judgement, costs and fees of this action ( It would not be prudent to agree to blank interest, costs and fees ). Besides, The Judge ruled I should be indemnified and held harmless. 
According to The Banks XX/XX/XXXX statement, the mortgage is 716 days delinquent. Will another 716 days occur before The Bank acts? What can The Regulators do to expedite sale, stop The Bank fees, limit my need for counsel and emotional distress.
Product: Credit card or prepaid card

I purchased a phone last month on XX/XX/2022 from a company called XXXX XXXXXXXX XXXX. Contacted my bank which TD BANK because I was having an issue and they were well aware because I was speaking on the phone that exact same day. Filed a dispute provided proof of purchase and now they are refusing to give my money back as well as the merchant. Stated to work it out with the merchant. The issue for wanting my refund because The next day my phone wasn't working properly or showing up that I have an account which the issue is still happening. and they refused to give me my {$75.00} back when clearly on the receipt it says you have 7 days to return the device for a refund and I returned it 1 day later. Now I have took a loss on my {$75.00} and I will continue to file complaints until my money is returned.
Product: Credit card

I received a letter from card member services informing me of some important changes to my credit card that I have had since XXXX. The letter stated that my interest rate will change effective XX/XX/XXXX from ( 17.74 % to 22.99 % ). I have a problem with change because I work in the banking industry and whenever the feds lowered the prime rate my financial institution always comply. I need this investigated because it is a form of predatory lending, I can see if my credit score was low but I am over XXXX and earn over $ XXXX annually, I'm a new homeowner who monitors her credit. I reached out to card member service on XX/XX/XXXX, to discuss this matter and spoke with a supervisor she instructed me to write a dispute letter which I sent on XX/XX/XXXX, by fax. What amazes me about this is when the prime rate was going up they complied with everything but now that the prime rate has decreased they want the consumers to pay more because they aren't making money off of us. This is deceptive and they need to be fined.