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

An XXXX Credit Card or ( XXXX XXXX XXXX ) customer service representative suprevisor told me over the phone that Indigo ( XXXX XXXX XXXX ) would be willing to delete the XX/XX/XXXX late credit card payment from my credit report however this was not done. I have been a good client of XXXX Credit card ( XXXX XXXX XXXX ) since XXXX of XXXX. This one late payment in XX/XX/XXXX was done in error and I was told it would be removed. I have tried writing letters to the credit bureaus and XXXX Credit Card ( XXXX XXXX XXXX ) but to no avail.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

There seems to be unauthorized hard enquiry on my equifax credit report with the name XXXX on XX/XX/year>. It looks like someone is trying to apply for credit cards under my name without my consent and knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft and several accounts have been open by someone who stolen my identity, the account are XXXX in the amount of {$750.00} opened XX/XX/18 and XXXX {$3000.00} opened in XX/XX/18 I reported the accounts to the FTC
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 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 XXXXXX/XX/year>
Product: Credit card or prepaid card

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Product: Credit reporting or other personal consumer reports

Comenity Bank agreed to fix a problem with my credit reporting, which it did. However after fixing it, they reinserted the problematic information a few days later. XXXX published the information mere days after it was removed.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/2023 Dear Debt Collection I am writing to dispute several items on my credit report that I believe are inaccurate and have negatively impacted my credit score. I have reviewed my credit reports from all three major credit bureaus, XXXX, XXXX, and Experian, and have identified the following discrepancies : Hard inquiries, collections that were paid off, inaccurate or paid on time, etc. 

I am requesting that these items be investigated and corrected as soon as possible. These inaccuracies have caused my credit score to decrease and have also affected my ability to obtain credit and loans on favorable terms. I have attached documentation that supports my claim and am happy to provide any additional information that may be needed. 

Under the Fair Credit Reporting Act, FCRA U.S. Code 15 USC 1681c-2 I have the right to dispute inaccurate information on my credit report and request that it be corrected or removed. I expect a prompt response to my dispute and request that you notify me in writing of the results of your investigation. Please also notify any parties who have received my credit report in the past six months of the corrections made to my report.

15 U.S. code 6801 15 USC 1666 B 15 USC 1681i Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Product: Mortgage

Mr. Cooper has charged me a {$10.00} fee on my loan. When I reached out to ask about the fee, I was told someone accessed my account online and authorized the fee. As this was very alarming, I called and spoke with XXXX with Mr. Cooper who told me that the fee was assessed after someone requested a payoff statement through their website on XX/XX/20. I explained to XXXX/Mr. Cooper that I had not requested a payoff statement and that no one else should have login access to my account. Therefore, someone fraudulently accessed my account via their website and a {$10.00} fee was assessed based on actions they took when accessing my account. I explained this to XXXX with Mr. Cooper and she refused to do anything about it. Mr. Cooper has yet to provide any documentation showing who incurred the fee, how it was incurred, why it was approved, and/or how someone accessed my account. 

Again, I have not taken or authorized any actions on my account that would incur any fees. Someone has fraudulently accessed my account and incurred fees on my behalf. I have tried to explain this to Mr. Cooper but they will do nothing about it.
Product: Credit card or prepaid card

I applied for the platinum card and was temporarily denied due to a late payment. The late payment was the result of an ACH issue with XXXX and they provided documentation to explain why the payment was returned. I made a payment the same exact day for the amount due because of the mishap. 

I called customer service reconsideration to explain and tell XXXX the agent that I would like to be reconsidered. He said he didnt have access to help and he had to escalate the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I was made aware of a few accounts on my credit report that do not belong to me. The accounts are from these companies XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX  XXXX. I have never opened an account with any of these companies nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts. I do not have any written/verbal contract with these companies and I never allowed them to run my credit. I don't know who is responsible for opening these accounts without my authorization but I have already filed a police report in hopes of getting my name & credit reputation cleared.
Product: Credit reporting or other personal consumer reports

Capital One credit card I had originally on my closed account call it account XXXX of {$280.00} it went up to {$290.00} for a full pay off I paid the {$290.00} in full I will download the online reciept, ive tried to send the conformation reciept that I paid through XXXX several times it will not let me load it except once the company keeps stating there information is correct I have a new different account XXXX I with Capital One credit card that is a totally different account I paid {$95.00} dollars for a secured card that in there policy states after XXXX to 9 months I would receive the {$95.00} as a credit towards my bill for my # XXXX open account that I owe nothing on its been 2 years ive yet to receive that temporary deposit for the # XXXX open account, also Capital One credit card mixes my closed # XXXX credit card account payments with my # XXXX open account payments I want the {$290.00} XXXX they charges me for the old # XXXX Capital One credit card account off my credit report immediately the dates are all in accurate for the XXXX I've opened my first card with them if you ask for there account dates and payments it's shows even though I owed {$280.00} for the first card they opened another card while I owed them for the first account that they claim I did not pay I have the reciept reference number date amount {$290.00} XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX credit reported that I had two credit cards two months overdue. I immediately contacted XXXX and advised that I do not get any statements, nor do I pay these two accounts.I also noted that I never miss payments, and always pay more than the minimum each month on my credit cards. In a matter of days, I was notified by XXXX card that they reduced my credit amount, by {$14000.00}. Prior to the XXXX error, XXXX had increased my credit limit to {$20000.00}! An increase that I never wanted nor requested! This was due to report from XXXX ; although XXXX has tried to cover it up by stating I have over extended my Credit! However, all of my credit cards, including XXXX XXXX - based on XXXX XXXX Report which was based on Experian 's report, have lowered my FICO scores considerably. XXXX also lowered my my credit rating all because of XXXXXXXX XXXX initial report. ON XXXX XXXX XXXX XXXX notified me that they DELETED THE TWO PAYMENTS ON THE CREDIT CARDS IN QUESTION. I might add that XXXX had a data breach and my e-mail was listed on the " Dark Web, '' and it was XXXX XXXX who notified me, not XXXX. I am very concerned, especially due to XXXXXXXX XXXX reducing credit limit that I am now being viewed as untrustworthy! Again, I have never asked for any credit increases from any of my credit cards. Furthermore, I believe XXXX is not practicing good business principles by authorizing credit increases when they are not requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX, XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX, XXXX  XXXX XXXX XXXX/XXXX XXXX
Product: Debt collection

I broke my wrist and went to XXXX XXXX XXXX to fix it on XX/XX/XXXX. After discharge, I received a bill from the hospital. I paid this hospital bill in full. Beside the hospital bill, I also received a bill of {$5400.00} from XXXX XXXX. I called them up, I informed them that I already paid the hospital bill, and they need to contact the hospital for their payment. Few months after that, I received another bill with the payment of {$1600.00} from XXXX XXXX again. I called them back again, and told them that I do not know them and did not call them for any service. If they have a contract to provide the service at the hospital, and they do not get paid enough from the hospital. They can not pass the rest of the payment to me. Its a problem between the hospital and this service. 
I already paid the hospital bill in full. 
XXXX XXXX sent the bill to FirstPoint Collection Agency, I called this agency on XX/XX/XXXX to explain my situation, and reported that I paid the hospital bill for my XXXX on XX/XX/XXXX. I do not know or do not call for any other services while being hospitalized at XXXX XXXX XXXX. Im not response for any payment if the hospital did not pay enough to his/her contractor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX this item appeared on my credit report from Navy Federal CU, Stating there is creditcard limit for $ XXXX and a balance of XXXX. i disputed this item to the credit bureaus stating this is not mine, Meanwhile, the item was moved for a few years or so and now as of XX/XX/XXXX it shows  up again on my XXXX  file. Once again i disputed this item and got a response from XXXX   stating its verified via Navy Federal CU and will remain on the file. So i contacted Navy Federal CU Fraud Dept and spoke with XXXX requested the original contract or application with my signature and XXXX said they are not allowed you must submit a subpeona in order to get the orignal contract with signatures. Then i back to XXXX  Dispute dept and requested they get proof with my signatures, the FRCA allows the credit bureaus up to 35 business days to respond and experian responded within the time frame but was not able to provide evidence.i contacted Navy fraud dept once again and they had me to filled out a Security Appeal Form which i will provide to you all, i also received a letter dating XX/XX/XXXX, stating the info is reporting accurately. i am a two time victim of identity theft. I also file a police report and gave it to the credit bureaus. I am not a member of Navy federal CU or never serve in the military. I am filing a complaint because this info is reporting inaccurately and Navy will not allow me to investigate this matter regards to my signature or ID. I am requesting this item be removed from my XXXX  credit file. This is been going for some time now. Your help is greatly appreciated Thank you Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

report incorrect debts on my report and refuse to take accounts off
Product: Checking or savings account

XX/XX/XXXX I ordered an access point from XXXX that I received an email PDF attachment bill of lading for, which would have any business person assuming product was in stock and was shipped. I find out that XXXX refunded my money, didn't send catalog either, and on XX/XX/XXXX shipped product, but didn't show on my bank account that money was refunded, yet showed new deduction of {$57.00}, and my account was overdrawn. I called PNC Bank after calling XXXX on XX/XX/XXXX when I saw an email of the overdraft fees. If PNC did correct all my fees from not alerting me if the money XXXX put back in my account, after I saw it deducted on the XX/XX/XXXX, I would have {$5.00} before SSI deposited {$750.00} into my account, including my {$40.00} withdrawal and {$6.00} purchase. Plus PNC is double charging an extra {$3.00} fee for using an outside ATM.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. I also contacted the CREDITOR and they have no such records of am inquire made with the company. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX, XXXX-XXXX  XXXX  XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Product: Checking or savings account

My father passed away XX/XX/XXXX. He had a CD that was supposed to be transferred to me after his death along with a savings account. I never received it. I visited FNB in early XXXX of XXXX to see if I could speak to someone in regards to the CD and savings account that was suppose to go to me upon my fathers passing but I was turned away. I tried calling First National Bank XXXX XXXX in XXXX of XXXX. I left a voicemail for XXXX XXXX, who works at XXXX. My father gave me her business card when he was alive and told me that she was who he worked with. I left a voicemail for XXXX XXXX to please return my call. I have yet to hear from XXXX XXXX. 
I recently visited FNB and asked for advice on how to handle this issue and a bank teller told me that there was nothing that they could do. 
The XXXX was for {$48000.00}.
Product: Student loan

Sallie Mae was the original holder of my student loans and sold them to Navient. When I experienced hardship, Navient refused to provide me with alternative repayment plans, such as income-driven repayment plans. Navient consumer representatives told me these types of plans didnt exist and the tone on the phone was such as a bully to force you into a bad decision. I was paying two of my loans on time every month. Navient had a glitch in their system and stopped taking auto payments from my bank account monthly. Navient blamed me for the stop in payments, my bank information never changed. My brother was a co-signer of my loan. The original lender Sallie Mae released the funds to my brother who was not attending college. They refused to allow him to return the check and send the check to me. My brother gave me the check to use for school. They failed to release him as a co-signer. Navient failed me as a customer. I settled my loans with Navient for less than I originally borrowed. Navient predatory actions cost my credit score to be affected and reports often as account paid for less than full balance. I seek redress from the Consumer Financial Protection Bureau as I was harmed by Navients illegal practices. I ask the Bureau to  take action to have Navient cease and desist from reporting negative credit information to credit bureaus. Navient failed to provide myself with the basic protections of the law.
Product: Vehicle loan or lease

I was checking into my credit score and accounts on XXXX XXXX. Saw recommended that I had very good or excellent odds of approval for the total outstanding balance on my vehicle. Good interest rate ( almost half of current rate ), advertised for the entirety of the loan amount remaining. I applied with XXXX XXXX XXXX. Was informed after my credit had already been run that they would only be able to finance me half of the amount of the loan. There is more on the loan than the current vehicles MSRP, but the issue for me is that what was projected to me for application ( and even pushed as a great option with great approval odds ) was based on my specific loan amount tied to my vehicle information. It was unethical in my opinion for this firm to advertise the full amount of loan for refinancing. Cost me time, got my hopes up having found a good option, cost points on my credit score and an additional hard inquiry on my credit report. They took my information, but did not hold up their end of the bargain. To me that is misleading advertising and marketing and cost points from an additional hard inquiry. I cant be playing games like that. Trying to get my family into a home and protecting my credit is important to me. Simply put, what was advertised was not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to correct the issues with this organization. 

XXXX XXXX XXXX will respond to anything from the cfpb almost immediately, which is why I am using this form of complaint once again. 

XXXX XXXX XXXX has misreported for over 90 days on my Transunion report egregiously. 

According to my findings, XXXX XXXX has not reported payments for XXXX, XXXX, and XXXX of 2018. 

Since this is beyond the 90 day period for reporting as stated by the FCRA, I am seeking a goodwill adjustment from this company to remove the repossession remark on all XXXX major credit reporting agencies. 

You can see my findings in the attached images below. 

I have tried contacting XXXX XXXX since this problem started only to have them ignore my requests for updating. 

Thank you, XXXX XXXX XXXX
Product: Credit card

Ref : Complaint ID # XXXX XXXX & XXXX : The above referenced complaints have been resolved in the following manner : I have received credits to the account for the duplicate delivery and subsequent return. Logically, the transaction should have cleared the account but now I am being invoiced for late fess, penalties, and interests for the duplicate purchase. I have explained to Citi that the account should register a XXXX balance but I am still being invoiced. 

In addition, a " behind in payment notices as '' as well as " late payment fees and penalties '' have been reported to the Credit Bureaus and as a result my credit score has very noticeably fallen.
Product: Credit card or prepaid card

The Amex XXXX includes a {$200.00} prepaid travel credit for hotels every calendar year. I booked a hotel room, but severe weather prevented me from reaching the hotel. 

Amex XXXX refused to move the dates. They ultimately agreed to cancel the hotel room but reversed the {$200.00} credit, so I did not receive the promised benefit