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

I have repeatedly tried to resolve the issue of false, incorrect, and deceptive information on my consumer report, but the problem persists. These entries have severely affected my life, causing considerable distress. I must emphasize that I never approved or agreed to have this information linked to my name, as I am a victim of identity theft.
Product: Debt collection

Credit Payments have not yet updated, although payments were made. Made payments to two of my Capital One cards, received confirmation of payment from one of my XXXX XXXX  accounts, some of my Capital One Bank Cards, and one of my XXXX XXXX XXXX XXXX accounts, but it didn't update the credit when payment made as was with XXXX XXXX XXXX accounts made in similar time frame. All payments made at similar time, and in a similar way before any deadline, and want to ensure properly credited on day payment made. What is the issue?
Product: Money transfer, virtual currency, or money service

XXXX is a peer to peer lending company that uses borrowers crypto to collateralize loans from investors ( like myself ). I've been investing with them for almost XXXX years and currently have {$41000.00} with XXXX. As of XXXX days ago we received an email saying all business operations have been ceased and no withdrawals or deposits will be allowed. They said they'll update customers within 10 days, but no one can reach anyone of significance at the company to find out any more details. It appears the company has scrubbed their XXXX page and the XXXX pages of top executives. All collateral and client 's investment funds are supposedly held at or processed through XXXX XXXX XXXX ( registered SEC company ). XXXX XXXX keeps telling us to contact XXXX and won't give us any information, so we have no way to find out what's happening with our funds/collateral or if everything is gone. 
I have filed complaints with XXXX Police Department, XXXX, SEC, XXXX, and XXXX.
Product: Credit card

Paypal XXXX XXXX decreased my credit limit on my Paypal XXXX XXXX without notice. They claimed it was because of several reasons, all of which were not applicable to my situation.
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. 

I told the Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Data furnisher have corrected issues that the credit agencies been refusing to fix since XXXX i have a reported bankruptcy on my report that is to be deleted ASAP as this has been very damaging to my account I have sent documents numerous occasions to non responses which is a violation the FCRA guidelines this is the final dispute before I consider obtaining legal counsel to handle the matter please ensure that this is deleted and updates are reflected on my report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not wholly blame XXXX  for these adverse actions. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, XXXX could resolve this complaint in a matter of minutes, If they choose to help this veteran. A supervisor at XXXX conveyed to me they could have this taken care of in thirty days. I do not have thirty days. I am trying to get a V. A.  Loan for my family and I. These are inquiries that do not belong to me. 

These are some painful and regretful errors. They are causing severe backlash from my mortgage provider. As a Veteran and a XXXX XXXX member, I surely didnt expect this betrayal of public trust. I have fought for this country. I have protected these folks freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. 

Again, I am not totally blaming XXXX  for this miscarriage of justice. However, I am bringing it to their attention for the lack of communication and not taking this dangerous situation as a priority. They overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help! 

1-XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX 2-Capital One Inquiry from XX/XX/XXXX Automobile Dealers, New 3-XXXX XXXX XXXX   # XXXX Inquiry from XX/XX/XXXX 4-XXXX XXXX Inquiry from XX/XX/XXXX 5-Capital One Inquiry from XX/XX/XXXX 6-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7-XXXX Inquiry from XX/XX/XXXX 8-XXXX Inquiry from XX/XX/XXXX 9-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX XXXX I Inquiry from XX/XX/XXXX 11-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12-XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13-XXXX XXXX XXXX   Inquiry from XX/XX/XXXX 14-Capital One Inquiry from XX/XX/XXXX 15-XXXX XXXX Inquiry from XX/XX/XXXX 16-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 17-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18-Capital One Inquiry from XX/XX/XXXX 19-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 20- Capital One Inquiry from XX/XX/XXXX 21-XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX 22-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 23- XXXX XXXX  Inquiry from XX/XX/XXXX 24- XXXX XXXX  Inquiry from XX/XX/XXXX 25-XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I purchased a XXXX  vehicle XXXX XXXX. They called and called more than 7 times in one day and continued calling me the rest of the week I had already called told them I switched jobs and the day I would pay. So I hired a lawyer and showed all my proof. Now this account with them is in litigation. They are not suppose to be reporting on my credit or nothing until this court matter is over. Which they have been doing the whole time. They broke the law more than once. Harassing me from phone calls to text to emails. Which i provided to the lawyer and my lawyer has sent over the lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan on XX/XX/XXXX of 2020. 
I was sent a denial letter, based on information from a credit reporting company called SageStream LLC. I have never heard of this company, and I did not give them permission to report on my credit, or to have an information file under my name in any way, shape or form. This company is a hidden credit bureau that secretly collects information for companies to use, in order to charge much higher interest rates to consumers. 
Being that I was a victim of identity theft, the accounts listed in the report from SageStream, should not be on my credit account in any way. Since the company has chosen not to make itself known to consumers, it is impossible for a consumer to maintain the accuracy of such a credit report. 
Once again, I have never had knowledge of a credit reporting business named SAGESTREAM, and I DO NOT give them permission to report to companies with my personal information.
Product: Credit reporting or other personal consumer reports

Audi Financial has reported my account as XXXX days past due in XXXX of 2023. My account was not past due in XXXX of 2023. I have asked multiple times for the credit bureaus to investigate with Audi financial but has been unsuccessful. I even asked Audi to do a good will correction because even if we were late it truly was cause by circumstances outside our control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of the re-investigation results conducted by Experian, and I am deeply disappointed to find that the results did not include the requested information. This failure to provide the requested information in accordance with 15 U.S. Code 1681i constitutes a violation of the FCRA and is particularly concerning in light of the systemic barriers that XXXX Americans face in accessing fair and equal credit. The unequal treatment in the credit reporting process exacerbates existing disparities and causes further harm to XXXX American communities. As a consumer reporting agency, you should know the continuous reporting of such inaccuracies is a DIRECT VIOLATION OF THE LAW AND MY RIGHTS AS A CONSUMER! I DEMAND YOU REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT DUE TO INACCURATE REPORTING!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit bureau, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert from my bank 's credit monitoring service that a collection account was added to my credit report for {$350.00} by Credit Management , LLP, a collection agency. This account was reportedly established because of a past due XXXX bill. Someone fraudulently opened a XXXX account in my name in XXXX, MI. sometime in XXXX or XXXX. I have never lived in XXXX, MI. I suspect that other attempts have been made to fraudulently open other accounts in my name, possibly by the same person. Because, I also noticed a hard credit inquiry on my credit report from XXXX XXXX Bank listed on XX/XX/XXXX.
Product: Mortgage

I requested and was granted forbearance by Loan Care but without notification they canceled the forbearance even though the time period in the approval letter had not run. They then reported the mortgage in default to the credit reporting companies. I called up and was told it was a " glitch '' in the system and they would reinstate it. However, when they reinstated the forbearance the term was shortened considerably. The approval stated that the forbearance would end on XX/XX/XXXX but they have it ending first XX/XX/XXXX then XX/XX/XXXX. I have asked them through phone calls and letters to fix the credit reporting issue, also the fact that they reported a payment late when the check was mailed on time, they claimed they did not receive it but the check was never returned and I had to stop the check. I want them to honor the original agreement for the forbearance term, remove the negative remark from the credit. Also last week they were calling me every day despite the forbearance being in effect
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this inquiry I never apply for XXXXXXXX XXXX I have tried several times to remove this fraud and the 3 reporting agency cant provide the method of investigation. XXXX XXXX doesn't answer to my communication neither by the fcrc, this should not happen
Product: Student loan

I have had this loan for my daughter for over 15 years. It started at {$17000.00} and is up to {$30000.00} + Navient has not tried to help me pay down this loan they want an exorbitant amount of money each month. I am XXXX years old and just get social security and can not send them over {$400.00} a month. I tried to work our a repayment plan with them and they push me into Forbearance most of the time there have been times that I was also in deferment. To make a long story short the interest just keeps increasing. I can't talk to anyone that has enough power to discuss repayments most of the people I talk to are in another country. What they have done to people like me is criminal. I need help with this. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a checking and saving account with Citi Bank. On XX/XX/2024, I lost access to my account whether mobile access or ATM access. I couldnt make purchases either using my debit card. I contacted Citi Bank XXXX XXXX, and I went through a turnaround as they just keep transferring me from XXXX department to another and to make matters worse, agent tells me something different and others just have no idea why my account has an issue. XXXX agent told me, they received a call from someone that a trying to know my account balance thats why the account is flagged and suspended. I spent the whole day talking to them and XXXX agent advised me open a new account as this one is at risk. By the time they transferred me to the line where I can be helped to open a new account, the department was already closed. The next day XX/XX/2024, I changed my mind as the costumer service was so horrible, so I decided not to move forward to creating a new Citi Bank account and experience the same horrible customer service. So I decided to just collect my funds and deposit it to my other bank institution. The agent told me they will send me a check and it will take about a week. Since a week is too long as I dont have money to take care of my bills, I needed the money as soon as possible so I asked if I can walk to a nearest branch to pick up my money, the agent I spoke to ensured me that I can actually do that. Once I show up to the branch, the banker called the customer service and they did the same, they kept transferring her from XXXX department to another and it took XXXX for XXXX agent to tell us that I cant actually take the money. He proceeded to tell me that my account has been officially closed and must wait 60 days to receive a check. Ive read a lot of review about Citi bank that they dont usually return people money. I the moment, I have my bills such as rent, electricity, heat, credit cards and school loans bills to pay. This situation will ruin my life as all my saving and everything is with Citi bank. I need Citi bank to refund all my funds as soon as possible before my life is destroyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was deleting and still reporting as it was deleted as i did not own the account. 
XXXX XXXX XXXX was deleted but still reporting. 

XXXX XXXX is reporting twice as XXXX and should only be one charge of XXXX
Product: Credit reporting or other personal consumer reports

I am writing in regards to a recent notification on my credit report. The information reported are erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report are incorrect.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 card or prepaid card

Dear XXXX XXXX XXXX, I have made 3 purchases with my paypal account - PAYPAL AMOUNT - PAYPAL BALANCE - ( paypal debit card ) on XXXX XXXX, of {$35.00} each, however, I do have a paypal credit as well, associated with my paypal balance. 
On that credit balance I was charged {$35.00} XXXX as well on XXXX XXXX, which makes it 6 charges of {$35.00} ( 3 from my paypal balance- which I authorized- but another 3 from my paypal credit balance - I ONLY AUTHORIZED 3 CHARGES - NOT 6 ). 
I have contacted Paypal various times in the last 2 weeks, by phone, chat, email, online through the website and my app, but they refuse to respond and address this issue. 
When I call, they send me a link to chat with them, when I chat with them, they send me a link by email, then they say to go through the app., etc. nobody wants to be in charge nor address the issue, everybody points the responsibility to somebody else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kohls/Capital One has listed an account on my credit reports in the amount of {$590.00}. I have disputed this item with the credit bureaus and the company did not respond with the information requested. I requested proof of the account and received nothing. I do not believe this account is mine and is blemishing my credit reports as it is negatively impacting my scores. The company states that the account meets FCRA requirements but it does not because it did not provide proof of this debt.
Product: Debt collection

I have blocked the number as I do not wish to speak with them. I have not sent them any money or spoken with anyone on the phone. They have called me at least 8 times since XX/XX/2023.
Product: Bank account or service

Lost one Receipt for $ XXXX purchased XXXX Cashier 's Checks by cash refused to be cashed with myself as remitter with receipts from PNC Bank . I like the money back. My name is XXXX XXXX Social Security Number XXXX at XXXX XXXX XXXX XXXX, Ohio XXXX XXXXXXXXXXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts listed. Please remove these accounts from my report as this incident is negatively impacting my ability to support my family. I did not authorize any transactions associated with it. I have never opened or applied for credit with this company, and I do not owe any debt to your organization
Product: Credit card or prepaid card

Reconciliation between XXXX XXXX and XX/XX/XXXX revealed a deficit of XXXX a small amount but this, as explained, prevents me from completing production accounts. 

Reconciliation was requested for a set of business account related to tax accounts required for a documentary production valued at XXXX  XXXX. 

It was confirmed by 'Anthony XXXX the Amex representative that the company refer customers to fake supervisors. 

Call XX/XX/XXXX ... 

- Requested statement reconciliation allegedly 7-10 working days- XXXX/ customer service representative passed me to fake supervisor- XXXX the fake supervisor - promised supervisor would call 5-7 days - No supervisor call or confirmation of complaint sent to customer - XXXX sent escalation process XXXX email to escalations ) - nothing 17 days later ... no letter, email or XX/XX/XXXX ... 

XXXX XXXX / will try to put to XXXX XXXX called XXXX a fake manager- XXXX XXXX customer service representative ( senior consultant ) - Entire history explained to XXXX XXXX XXXX confirmed the complaint sent by XXXX XXXX XXXX confirmed that a complaint was raised and will take 15 business days XXXX confirmed case will be dealt with within to be XXXX working days. 

Today is when I needed this done.
Product: Credit reporting

THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request Chex-Systems to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : XXXX XXXX XXXX XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a one time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


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

I was trying to move forward with a rental application when I was denied based on my credit score. This prompted me to purchase the XXXX credit reporting app so that I could see what was going on with my credit. It was then that I saw several unknown delinquent accounts that do not belong to me. Which is why I am doing this Identity theft report. the following accounts are fraudulent : XXXX XXXX XXXX XXXXXXXX Amount {$230.00} XXXX XXXX XXXXXXXX Amount {$830.00} XXXX XXXX XXXX XXXXXXXX Please help me remove these fraudulent accounts so that I can have a peace of mind, and move forward with my life.
Product: Credit reporting or other personal consumer reports

Hello, After consolidating my XXXX loans with XXXX, my credit report shows double the XXXX  loans that I should have. We are in the process of purchasing a home which means this has hurt our debt to income ratio with our mortgage loan processor. We need these loans removed as soon as possible. 

I have contacted representatives at Experian, XXXX, and XXXX. 
XXXX explained that they sent the appropriate documents to Experian showing my loans were paid in full. This would mean I should only show XXXX  loan balances with XXXX. 

After contacting Experian multiple times, they said they had not received any paperwork from Experian and have opened up multiple disputes on my behalf. 

I do not understand where the bottleneck is coming from, but one of these companies is not processing my updated XXXX XXXX XXXX. I need assistance in figuring out which company it is in order to correct my credit reporting with Experian and all credit reporting agencies and improve my debt to income ratio. Is this something your office can assist with?