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

Hello, I was reviewing my Credit report and I realized a few things that needs to be corrected. 

-XX/XX/XXXX XXXX - Account Number : XXXX On XX/XX/XXXX, All three Credit Bureaus reported this account to be 30 days late, however I use Autopay for this account. Please note, the auto debit has never been late. Please update my payment history to on time/ paid as agreed. 


- XXXX - Account number : XXXX XX/XX/XXXX reports the date the account was opened was XX/XX/XXXX where as XX/XX/XXXXreports a date opened of XX/XX/XXXX ; Equifax does report anything. 

XX/XX/XXXX reports the date last active was XX/XX/XXXX where as XX/XX/XXXX reports the date last active to be XX/XX/XXXX ; Equifax dies report anything - XXXX AES - Account Number : XXXX XX/XX/XXXX reports the number of months in the loan to be 301 whereas XX/XX/XXXX reports the number of months to be 249 ; Equifax reports nothing. 

XX/XX/XXXXreports the date last active to be XX/XX/XXXX whereas XX/XX/XXXXreports the date last active to be XX/XX/XXXX ; Equifax reports nothing. 

XX/XX/XXXX Reports that this account was 30 days late whereas XX/XX/XXXX and Equifax reports nothing. 

XX/XX/XXXX Reports that this account was 60 days late whereas XX/XX/XXXX and Equifax reports nothing. 

XX/XX/XXXX Reports that this account was 90 days late whereas XX/XX/XXXX and Equifax reports nothing. 

XX/XX/XXXX Reports that this account was charged off ( CO ) whereasXX/XX/XXXXand Equifax reports nothing.
Product: Checking or savings account

In response to a recent complaint regarding XXXX XXXX transactions, XXXX XXXX XXXX stated the issue lied with the US Bank checking account used to make payments. Their response ( attached ) stated repeatedly to reach out to US Bank, as the error is on their end. Their response is incorrect, as a representative identified the error from their side, but US Bank has refused to provide information corroborating this. On XX/XX/2023, I received several emails from XXXX XXXX XXXX XXXX stating that payments had been returned. These payments had been made on 4 dates ranging from XXXX through XXXX for the following amounts : $ XXXX $ XXXX $ XXXX {$850.00}. After calling XXXX XXXX, I was told their system showed that US Bank had requested these payments be returned. At no point did I request the returns. Upon checking payments to XXXX XXXX were posted and available credit reflected those payments as being received, but the amounts did not leave the checking account, nor were they returned on XX/XX/XXXX. Attached XXXX XXXX statements will show successful payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( x2 ). However, attached US Bank statements from the corresponding checking account will show that those payments were not reflected. After several hours on a call with XXXX XXXX, a representative did identify an error caused by XXXX XXXX, and requested confirmation from US Bank that it did not request returns on said payments. I have been unable to receive any information from US Bank other than being told to " See statements '' as they show US Bank/myself did not request returns, but this provides no detail for XXXX XXXX offices . XXXX XXXX refuses to rectify credit bureau reporting errors caused by this until they have confirmation that US Bank did not request those payments be returned. Any information US Bank can provide regarding this checking account 's interaction with the XXXX XXXX related to these payments would be appreciated, as I have received no details after multiple attempts. Attached are corresponding US Bank/XXXX XXXX statements , as well as XXXX XXXX response to the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit cards do NOT show accurate information and are not reporting timely or should be virtual reporting .... or Credit Bureaus are not updating. 

Care Credit ( Synchrony Bank aka PayPal ) XXXX XXXX ( Personal Cards showing on Credit Report )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly ( 120 ) days late on the XXXX XXXX account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages 5, 6, 7, and 8 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line  items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Product: Student loan

Arete Financial Freedom, XXXX XXXX Student Loans Specialist, XXXX XXXX exit XXXX, contacted me in XX/XX/2018 concerning my student loans. Ms. XXXX convinced me to let her company help me repay my students loans and the payments would be cheaper than what I was paying. I accepted her services and set-up auto payments with her company for monthly auto payments of {$40.00}. Everything was going along fine so I thought until I start receiving correspondence from XXXX XXXX stating I was behind in my payments? I had no idea what they was referring because my loan was with Arete Financial Freedom. I tried to contact Arete Financial Freedom and received a recording saying the number was on longer working? I would like to find out what happen to this company and where did all my payments go. I still have a student loan for the same amount? Is there anyway I can get my payments back and apply them to my loan?
Product: Debt collection

On Monday, XX/XX/XXXX 2017 and man by the name of XXXX XXXX called multiple acquaintances and family members of mine, leaving them voicemails with claims that he was calling to resolve " Allegations made against me ''. When he was able to reach one friend of mine, XXXX XXXX, XXXX XXXX identified himself as an attorney. When I called XXXX XXXX to find out why he was harassing my friends and family, he gave false amounts owed and originated on a business loan taken from XXXX Additionally, he gave multiple indications they would be filing a lawsuit against me and indicated different timelines. This individual and company is harassing both myself and my friends & family and is falsely identifying themselves as attorneys and leaving derogatory voicemails indicating that I am facing some sort of legal allegations. His voicemails were ambiguous as to lead one to believe I was facing some sort of criminal allegations. They unnecessarily concerned my friends and family.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX FORMLY KNOWN AS DRIVETIME ACCOUNT, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.SC CODE 1681 A- DEFINITIONS ; RULES OF CONSTRUCTIONS- EXCLUSIONS- EXCEPT AS PROVIDED IN PARAGRAPH THE TERM " CONSUMER REPORT '' DOES NOT INCLUDE ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ; 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN PLAN AS LATE FOR AND PURPOSE. 

THE FCRA ALLOWS 30 DAYS FOR THIS TO BE RECTIFIED.
Product: Debt collection

This company in which I hold no contract with nor have received services from reported a collection account against my Social Security Number in the amount of {$520.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested verificaiton and validation on XX/XX/2018 of the alleged debt and account, however, the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX XXXX, I was checking my credit through XXXX XXXX and saw the derogatory from XXXX XXXX now MIDWEST RECOVERY, This is for {$1100.00}. This is in the : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX ( XXXX ) XXXX I called them in XX/XX/XXXX and again last week. They said they sent something to correct this back in XX/XX/XXXX but the derog is still there. From called them again last week they said they would send me a letter ( which has n't arrived yet ). 

On XX/XX/XXXX, I sent a a complaint to XXXX ( confirmation # XXXX ) and they responded back saying it was mine because of the social security number. The social security number is mine but its not me. Someone else is using my social security number.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XX/XX/XXXXXXXX Account # : XXXX Balance : {$440.00} XX/XX/XXXX XXXX Account # : XXXX Balance : {$340.00} XXXX XXXX XXXX Account # : XXXX Balance : {$680.00} XX/XX/XXXX Account # : XXXX Balance : {$800.00} XXXX XXXX XXXX Account # : XXXX Balance : {$830.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company I have an affiliation with notified me that my personal information was breached a few years ago, so I immediately froze my credit on all 3 credit bureau sites. 

I am going to be applying for a mortgage pre-approval so need to ensure my credit is unfrozen on these sites. I had no problem unfreezing my credit with XXXX or XXXX. Experian, on the other hand, has been impossible to work with. 

I logged into their website to follow instructions for unfreezing my credit report. They then force me to re-enter all my personal information [ name, SSN, DOB ] despite the fact that I've already authenticated to their site with a username and password. 

Once that personal information is shared, I end up at a screen that says I must call them to complete my request. When I call, they try to upsell me with various gimmicks [ XXXX XXXX, XXXX XXXX XXXX, 'help me I've fallen ' devices, etc etc etc ]. When I attempt to opt-out of those services, my call gets dropped. Now, when I attempt to call, I get a message saying that number is outside my calling area. 

I am a hostage to their XXXX website, their lousy customer service, and I have NO RECOURSE. 
HELP???
Product: Checking or savings account

I have saving account with XXXX federal they trying to force me to pay a debt for credit card I had with them by holding my money and I cant access or move it out I have sick kid and need my money there for that why asking for your help. They trying to force me to call third party in order to pay them and wont give me my money is this legal can they just hold my money. This is not right I understand I have credit card that went past due but you should not be able to hold all my money with out giving me access to it.
Product: Mortgage

XX/XX/XXXX I was informed my existing loan is not gaurenteed thru the VA. The loan I am trying to refinance is with my current mortgage loan provider and they are saying I can not use my IRRRL benefits. I have all loan documents showing my existing loan is a VA loan and I believe I am a victim of mortgage fraud by Planet Home Lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

contact credit bureau and very seasoned international experts, possible, the interplay between 30 year old data pattern, possible from usa, possible from other country.

possible linked with other action by relatives from other country. use artificial intelligence software to understand that this is only a ramification of this.

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

I am filling report because there are several credit inquiries on my credit report that are not authorized by me and I did not give any permission to non of the companies involved, this is a total violation of my consumer rights and i would like all the following inquires to be remove as soon as possible. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX 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

I am submitting this complaint because student loan keeps reappearing on my credit report. This reoccurrence has been going on since 2018. I have submitted numerous police reports, FTC reports, affidavits over these 5years and these accounts keep being allowed to be reappear. If the bureau look into my account, these accounts are removed and blocked and then reasserted under a different name, but same department of education umbrella every few months. 

I do not now, nor have I ever had any financial obligation to these loans. The department of education have also sent in letters to each bureau, confirming these accounts to not belong to me. There is no legal proof of validation, just continuous reassertion for years. 

These accounts are now hindering me from pursuing future financial business and personal venture as it appears I'm heavily in debt when I am not! please remove and block the department of educationXXXX XXXX XXXX XXXX XXXX For the % th time i will attached a 5th police report/ftc/identifers
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I contacted XXXX regarding several items reported negatively on my consumer report. I advised them that they were in non compliance per 15 USC 6801-protection and non public personal information to report my transaction information. I did not consent for my transactions to be reported. These are the companies that I am filing a dispute on : XXXX, XXXX, MIDLAND CREDIT MANAGEMENT
Product: Credit card

Using USAA 's internal online balance transfer request system I submitted a balance transfer request for the balance on my XXXX credit card in the amount of XXXX on XXXX XXXX. This transaction with USAA, despite not resending the information, nor refreshing the page, and with a stable internet connection was processed presumably by USAA 's digital system incorrectly. Instead of a single balance transfer request, 3 were submitted for identical amounts at the same time. 

Of these 3 one was declined, and two were processed and remain listed as pending with both XXXX and USAA. I obviously then reached out to USAA to correct what I at the time presumed would be an easy fix. All contacts with USAA were over the phone with initial call being made XXXX XXXX. At that time they were understanding and explained the issue would be looked into and contact would be made with me. Not having received further information and seeing no adjustments with either bank I then reached out to USAA on XXXX XXXX and was told the issue would be resolved by XXXX XXXX. 

USAA then provided a correction to the credit card balance, removing the overpayment on their credit card on approximately XXXX XXXX, so the balance was theoretically corrected with USAA. However, these charges continued to be listed as pending. This was also explained to me in a letter sent by USAA. 

Calling again on XXXX XXXX I was told the resolution to the payments and final posting would take up to 90 days. This means, as a result of an error on USAA 's part, my balance with XXXXXXXX XXXX will remain incorrect, as the transactions are pending, and I will continue to be unable to either pay XXXXXXXX XXXX, as I now have a credit, and will accrue interest during this timeframe at my own expense. 

90 days to finalize transactions and correct issues regarding balance transfers or credit card transactions is unacceptable, and whilst I am not a legal expert I do believe against federal standards in banking. I have exhausted my ability to resolve the issue with USAA directly and as these payments are being received by XXXX, they can not decline them. 

This issue may negatively impact my ability to accurately know and pay my credit cards, and as a result impact my credit, and will impact both accrued interest with XXXX, and ability to pay the card with them. As a result, it will affect me directly, financially negatively. USAA has been incredibly unhelpful and moved by far and away slower than any other financial organization I've been a customer of.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments. BARCLAYS BANK DELAWA Opened XX/XX/2016 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BARCLAYS BANK DELAWA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

A few months ago I created an account on the XXXX XXXX website out of curiosity. Since I 've never had a credit card, the site displayed no credit history. To my surprise, I was then informed of my responsibility to pay an open collection of {$340.00}. There is also a closed collection that I never knew about, or closed for that matter. I recognize the name of the creditor, as he treated me when I was XXXX. At that point in time, I was completely XXXX. However, I was never made aware of this debt until viewing my credit report for the very first time. This egregious manner of handling an unpaid bill is downright unfair. Thankfully, I am now a healthy and proactive individual that would like to get his life truly started. I would like to have my first credit card, but I can not acquire anything but a secured credit card with my " collections '' on record. I have no problem when it comes to paying a bill, I 'd just like to be notified when a balance is due. It bears repeating that the manner in which I acquired this debt is nothing short of insidious.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services was  disputed on  XXXX / XXXX / XXXX  with   XXXX   XXXX   XXXX   XXXX .   XXXX   XXXX   has been disputed on  XXXX / XXXX / XXXX . My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When   XXXX    found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with   XXXX   and no luck. Attempted to resolve wit h Early Warning Servic es,   XXXX   XXXX  , and no luck.  XXXX / XXXX / XXXX  Today I have found that I can not open any accounts and have found myself without banking for busines ses. Real Estate and Construction . I am not able to write checks to employees or conduct business. I am desperate to talk with someone to help the situation. Please help.
Product: Debt collection

This debt has been negatively reported to all 3 credit bureaus. I have contacted Harvard Collection agency and requested documentation that will prove that this debt does belong to me and to date they have not provided documentation to prove the debt belongs to me.
Product: Credit card or prepaid card

I explained about hardship and loss of income. They not willing to help or reduce rates. They said even if Ill make any payment they will report to credit Bureau.