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

In reviewing my credit report, I have identified the following items that are inaccurate SLOANNELNET SERVICE OPEN DATE : XX/XX/XXXX XXXX SLOANNELNET SERVICE OPEN DATE : XX/XX/XXXX XXXX. 
XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX SLOANNELNET SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, I hereby demand that you investigate and delete these items from my credit report. It is my understanding that you will verify these items with the creditor responsible for their reporting. Please eliminate any information that the creditor is unable to verify. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to conduct this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. As mandated by the act, there should be no fee for this updated report.
Product: Credit card or prepaid card

Hi!! 
I have had an account with Best Buy for about 10 years. I have never missed a payment nor have I ever had any slow pays on the account. I made a purchase on the card and paid the account in full and over paid what was due by {$150.00}, so a credit of {$150.00} was applied to my account. 

My credit limit on the card is {$1200.00}. After that, I made a purchase around {$100.00} which still gave me a credit of about {$40.00}. I also received a statement in XXXX stating that as of XX/XX/XXXX, XXXX the balance was paid in full and that I was using 0 % of my accounts limit. 

In contrast- for whatever reason- I received a notice in XXXX stating I was 30 days past due in the amount of {$2.00} and it was reported on my credit. I immediately- left my job .... I am an essential worker and went to Best Buy to make the payment of {$2.00} and spoke with a manager. I was told I need to dispute the discrepancy with CBNA BANK. To date- I have not received any type of resolution. I have sent in copies of the receipts and bills to show my payment was made on time and also showed the bill that was sent to me stating I have never paid late. I am very frustrated because they have made an error by reporting this on my credit and my score have drooped over 60 points. AND THEY CONTINUE TO REPORT ME LATE ... .. NOW IT SAYS IM OVER 90 DAYS PAST DUE!! 
I was in the middle of financing for obtaining a home loan. Now my family and I can not move forward.
Product: Mortgage

To Whom it May Concern : This letter is regarding credit report entries which are not being reported as required by Federal and State laws on our personal credit report accounts under SELENE FINANCE for account # XXXX on XXXX, XXXX, and XXXX credit bureaus. 

On or around XX/XX/, the credit report scores belonging to my husband and I, dropped XXXX points because Selene Finance report our XX/XX/ payment as late and XX/XX/XXXX  as UNKNOWN. We made a payment to Selene Finance on XX/XX/XXXX  for the month of XX/XX/XXXX  and they reported the account as late. 

Contractually, we made the payment for XX/XX/2023 during the month that it was due. Selene Finance has to uphold their part of the contract by applying the payment within the month we made it. Legally, we are within our contractual rights. 

As a direct result of Selene Finance reporting the account as late for XX/XX/, we have been financially harmed. We have been unable to refinance our home loan with another bank because the payments are not reflected accurately on our credit reports. 

We would appreciate any help that your office can provide in getting these issues resolved. 

Thank you for your cooperation in this matter. Please advise. 

Sincerely, XXXX & XXXX XXXX /s/ Our contact information is as follows : XXXX XXXX and XXXX XXXX XXXX : XXXX SSN : XXXX XXXX XXXX  XXXX XXXX. 
XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX has harmed my credit worthiness, yet again! I am XXXX XXXX XXXX the consumer, in fact. On XXXX  XXXX allowed Credence Resource Management to report an un-investigated report that Credence communicated they received from XXXX. This is the 2nd collection agency that XXXX has sold my personal information to without MY written consent and MY knowledge! XXXX has a grave responsibility to make sure that my credit report shows accurate information and not harm my protected right to privacy.
Product: Payday loan, title loan, or personal loan

Rise charges a customary fee. According to my contract that fee is calculated at XXXX per day. I am being charged over {$120.00} biweekly for the customary fee. As of today i have paid {$1100.00} towards this loan and only {$180.00} has been applied to the principle. When i call customer service i get no intelligent response only that because i live in Tennessee and Tennessee has laxed loan shark laws Rise is allowed to charge me as they please. My contract also states the interest and commissary Fee are an equivalent of XXXX but i am being charged that as additional interest each statement. As of today i have paid over {$750.00} for this customary fee.
Product: Credit card or prepaid card

This weekend I got a master card from Netspend, XXXX XXXX XXXX, XXXX, TX XXXX. I did not request this card nor do I want it. When I tried to call the phone number on the back of the card, the phone system would not let me talk with anyone unless I entered the card number. When I did this, the system started to activate the card. I hung up to try to stop the process. When I went to their web site, the only phone number given was the one on the back of the card. When I tried to use the a link to send customer service a complain email, the wed site blocked it. I did send an email using my email app to the customer service and the president of the company. This company provided NO option to contact a person to get the card I don't want cancelled and removed from my record. They should be investigated for unfair or illegal practices.
Product: Consumer Loan

While I was XXXX due to Military Service, my vehicle was financed through US. Bank. But a Company call XXXX was handling the payments but they went out of business in XX/XX/XXXX while I was unable to communicate Stateside. I was not notified of this matter until I got home XX/XX/XXXX. I have sent numerous emails asking how I should resolve this situation and got no reply from US. Bank. Since I got home I called US. Bank and they are telling me that I have to pay the entire car loan off, and they are threatening to repossess my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because today XX/XX/19 I was made aware of some accounts on my credit report that aren't mine. These accounts were opened by someone named XXXX XXXX without my permission. I have no idea who that person is or why they opened those accounts in my name but I have already filed a police report regarding those fraudulent accounts. None of those accounts belong to me nor did I ever make any purchases or payments with any of those accounts. I do not have any contract/agreement with any of those companies and I did not give them permission to run my credit or view my personal information.
Product: Credit reporting or other personal consumer reports

Bridgecrest has previously agreed to update status, from Charge Off per Credit Report upon completion of payments in full to close/paid status. however after my full payment Bridgecrest refused to update my account. I would also like to include, that the vehicle was repossessed immediately after I made a payment. Initially I recovered the vehicle from Bridgecrest for XXXX On XX/XX/XXXX  Bridgecrest provides altering terms on XX/XX/XXXX  after payments were accepted by Bridgecrest, terms that were not advised of a immediate-repossession pre-statement. However my records shows XX/XX/XXXX  of XXXX payment to Bridgecrest as required. Immediately after payments made, Bridgecrest threatened to repossess vehicle for an additional XXXX that was discussed pre-payment for XXXX on XX/XX/
Product: Credit card

I kindly ask for your assistance in addressing accounts from companies incorrectly reporting late payments. When I was laid off, I requested that these payments be forgiven, and they agreed. However, they continue to report them as late. Ive contacted them multiple times with no updates, leaving this as my final option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters disputing unknown accounts in my report exactly on XX/XX/2022 but until now I did not receive any response from the bureaus. I think they are not taking actions regarding my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to address a discrepancy in the status of my student loans as reported by the credit bureaus. My loans have been enrolled in the Income-Driven Repayment ( IDR ) plan for the past 8-9 years, following a period of forbearance. I reapply for the IDR plan annually and have consistently been approved. 

However, since XXXX ( XXXX ) assumed servicing responsibilities from XXXX, there appears to have been an error with the reporting of my loan status. The credit bureaus show that I was not current on my loans and that I was " late '' in XX/XX/year>, despite the fact that I have never missed a payment. Under the IDR plan, my monthly payment has consistently been set to {$0.00}, and I have not been required to make any payments. 

I contacted XXXX and was advised to submit a formal complaint regarding this issue. I would appreciate your assistance in investigating this matter and correcting any inaccuracies in my loan status and credit reporting. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

I have attached my most recent IDR document from the new service company.
Product: Mortgage

I have called Fay Servicing many times, emailed Fay Servicing many times about adding the loan number XXXX, address at XXXX XXXX XXXX XXXX, NJ XXXX to my existing online portal. After calling the company many times, speaking with XXXX and many other representative, the company still would not help to add my loan into the profile. I am afraid of losing the home because it is an intentional act and I can not make a payment at all or change the bank account.
Product: Credit reporting or other personal consumer reports

XXXX has fraudulently dropped my credit score by XXXX points. My credit balance for XXXX XXXX XXXX XXXX  ) is {$0.00}. Their reason for dropping my score was due to a high balance of credit usage when I do not have a high balance of credit usage. I am under 30 % credit utilization. This is fraudulent and inaccurate reporting as usual from this company. This needs to be reported accurately. Their reports on my credit do not reflect my real credit activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I filed a FTC report due to fraudulent accounts on my credit report. There were different social security number and some addresses that didn't belong to me reporting on my profile as well. I filed a dispute with XXXX, XXXX and Experian along with FTC report, some accounts were removed but not all. I also noticed several Inquiries were not removed from report. 

I am asking for all accounts to be removed, due to these accounts are not associated with me and is keeping me from applying for credit. 

XXXX XXXX XXXX XXXX XXXXXXXX letter is attached to prove this company Deleted account but its still reporting on my profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My report reflects fraudulent inquiries inwhich i did not make and I'm demanding that these unauthorized inquiries be removed immediately. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX  ( XX/XX/XXXX ) 3 ) XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX  ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7, ) XXXX XXXX XXXX, ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX (XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - BALANCE {$27000.00} Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I took a XXXX cruise XXXX XXXX XX/XX/XXXX. 
I settled my onboard purchases with the cruise line for {$830.00} leaving me with a XXXX balance when I left the ship. Cash app has all of my onboard purchases ( totaling {$830.00} ) still pending and Im unable to access the funds in my savings ( on cashapp ) because they will be absorb in the false negative balance of - {$830.00}. 

If XXXX XXXX  is already showing me as paid, and they were charging my cashapp account while I was on the cruise, then there is no reason cashapp should turnaround and double charge me the {$830.00} while it verifies the charges. They were verified through my cruise already! 

Im requesting that cashapp IMMEDIATELY verifies my charges and frees up my cash app account so I can use the money I have in my savings. I feel like my money is being held hostage and it has put me in a terrible situation of having to change accounts for work and all my bills until these transactions are verified. Its not fair and I would appreciate some help. Thank you again. Please advise if any additional info needed.
Product: Credit reporting or other personal consumer reports

I have sent information that they required for me almost a year and a half showing that they should remove all those inquiries off my credit report and they have not I have not got no great results I didn't file many times with y'all in y'all still haven't got no results
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX XXXX in full yet they are still reporting to XXXX and Experian as collections.
Product: Credit reporting, credit repair services, 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 these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). 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.

It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a inquiry breach, and all the inquiries on my report from XXXX to present are not by me! Also someway somehow the XXXX XXXX XXXX affected me with the inquiries! And for some odd reason the same exact inquiries from XXXX, have appeared on my 2 other credit reports! There are over 70 CREDIT INQUIRIES ON all 3 of my reports and I have tried over 5 times with all 3 credit bureaus with no resolution at all, PLEASE HELP MY FAMILY AND I! I was affected by XXXX and there negligence in protecting my information! Please have them and the other 2 credit bureaus remove the inquiries! I have reached out to XXXX and XXXX AND EXPERIAN OVER four times, most recently the first of XX/XX/XXXX, but they keep blowing me off and giving me excuses! Please I need your help, I have XXXX kids and this has hurt my credit and caused me to have XXXX credit card companies to close my accounts! Thank you in advance for you help and hopefully the resolution to this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

They mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

In XXXX, I purchased XXXX sweater from Bloomingdales for {$22.00} and used my Bloomingdales credit card for the purchase. The payment was due on XXXX XXXX. I made the payment today on XXXX XXXX ( 5 days late ), but I found out that Bloomingdales had assessed the interest fee of {$24.00} on the ENTIRE balance on the card, {$22.00} of which was late and {$310.00} which was NOT late and current in the new billing cycle. When I called them, they were unable to explain why the fee was assessed on the entire balance including the non-late purchase and were unwilling to re-calculate the interest. It is predatory to charge me an interest rate on a portion of the bill that is not late, especially when that interest fee is MORE than the amount late -- it is usury in it 's classic sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting inaccurately on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX ) I was never late ( 30, 60, 90, or 120 days ) on the following accounts : XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$500.00} ( XXXX XXXX XXXX ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$19000.00} ( XXXX, XXXX, Experian ) The following account is the result of Identity Theft : XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$0.00} XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( Experian & XXXX ) XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$2200.00} ( Experian & XXXX ) XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) Bal : {$0.00} XXXX XXXX  XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian & XXXX ) ; Bal : {$0.00} XXXX - XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; Bal : {$2800.00} XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian XXXX ; Bal : {$130.00} XXXX XXXX - XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$260.00} ( XXXX ) XXXX XXXX - XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$260.00} The following are unauthorized Inquiries : XXXX  ( 6 times ) XXXX  ( 2 Times ) ; XXXX ( 2 Times ) ; Experian ( 2 Times ) XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX   ( 2 TIMES -XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( EXPERIAN ) XXXX XXXX XXXX XXXX  ( EXPERIAN )