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

I AM STILL HAVING ISSUES WITH MY CREDIT FILE REFLECTING CURRENT AND ACCURATE INFORMATION. MY PROPER ADDRESS AND ONLY ADDRESS IS XXXX XXXX XXXX ,XXXX XXXX XXXX, XXXX Ohio XXXX. PLEASE REMOVE ANY AND ALL OTHER ADDRESSES FROM MY CREDIT FILE. I WAS A VICTIM OF FRAUD AND LIKE WOULD LIKE TO REMOVE ANY AND ALL ALERTS. SO I CAN CONDUCT BUSINESS AS USUAL. I HAVE REQUESTED THE REMOVAL SEVERAL TIME AND I STILL HAVE LENDERS TELLING ME I HAVE A FREEZE OR ALERT PLEASE, PLEASE PLEASE, REMOVE IT ASAP!!! THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE/REMOVE : XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX , XXXX OH XXXX There is a unverified account on my credit from a XXXX XXXX XXXX I XXXX please delete/remove this account this account I have never received any documents or papwerwork that was legally requested and never provided!! FCRA 609,611,623. I BELVIEVE IT TO BE A HIPPA ACT VIOLATION AS WELL.
Product: Checking or savings account

Company keep charging NSF Fees Which is putting me more in debt
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I am having trouble with a XXXX loan servicer called 'Dept of EdXXXX XXXX and incomplete account on my credit reports. I disputed their account in XXXX of 2024. The issue that the account had was its incompleteness. The payment history specifically. I recall the Fair Credit Reporting Act section 1681s-2 ( b ) ( 1 ) stating that after the have a received a dispute from a C.R.A about an account they furnished, they are required to investigate the matter along with any supporting documentation provided to them as the data furnisher. I have given them ample enough time to conduct a reasonable investigation about the account I have with them, and I was very clear stating that the payment history of the account they furnished fails to report complete payment history on my credit reports with the consumer reporting agencies. This company did not do a reasonable investigation, and I believe they are not looking beyond what is currently in their system pertaining to the correct information needed to update and correct the incomplete account because the same disputed information was not resolved rendering the disputed information incomplete. They updated information that has nothing to do with the issue I prompted them to fill in and correct. They went around the actual problem instead of addressing it. According to the Fair Credit Reporting Act section 1681s-2 ( b ) ( 1 ) ( E ) data furnishers are required to promptly delete an incomplete account if they failed to correct it because at that point it would be considered to be unverifiable. Why are these creditors not taking accountability? They are abusing their power and screwing up our livelihoods as living breathing human beings. A group of humans toying with another human 's life due to negligence without a care as to how it could affect that person even labelled as a consumer. It is not fair. According to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ), ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Checking or savings account

My PayPal account was hacked in around XXXX or XX/XX/2023 and probably been stealing money from my account since XXXX.I had money in my savings accounts a least four savings accounts one for brakes, vacation, and a regular savings which I had automatic deposits going to those accounts under my PayPal account . I reported my card being lost or stolen and than I moved and my account was being used for someone else and tried to take over my account. By stealing my bank statements from my previous address.I asked to have my account closed and PayPal refused due to the amount of money in my account which is XXXX XXXX.All my savings accounts are closed because my money was moved since XXXX XXXX and alot was hidden including emails.I never had an investigation on my account and why all my online statements were fabricated.I used that account to pay my rent sometimes and my car payment plus my renters insurance.Alot was deleted especially when I paid bills with that account /service.
Product: Credit card

I signed up for an American Express XXXX credit card that offered XXXX points after spending {$3000.00} within 3 months. I confirmed that I was eligible for the offer via telephone and than applied and was approved online. 
Yesterday I secure chatted with Amex to find out the status of my points. I was told that I was not eligible to receive bonus points because I had had a XXXX credit card over 2 years before. I was not aware of this exception and it was never mentioned to me when I first called Amex to check eligibility. I would like Amex to honor the offer and award me the XXXX XXXX bonus points.
Product: Credit reporting or other personal consumer reports

Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$1800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX Balance {$13000.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
XXXX {$670.00} XXXX updated XX/XX/XXXX 2025
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been impacted by Equifax 's recent security breach, and I believe the company has demonstrated gross negligence in the management of my personal data putting me and hundreds of thousands of other US citizens at risk. I am listed as being impacted by the security breach on Equifax 's equifaxsecurity2017.com website. Additionally, the company was negligent in it 's response to this security breach, and did not notify those impacted by this breach quickly enough and admit that they will not notify everyone.
Product: Student loan

On XX/XX/XXXX, I checked my XXXX XXXX account to see that my score dropped 47 points. This happened because every one of my student loan accounts had a balance increase of various amounts that resulted in over {$10000.00} total increase. My problem with this is that I've been out of school since XX/XX/XXXX. I've never received a notification from XXXX XXXX about the accrued interest on my loans being added to my credit report. I'm currently in an income driven repayment plan that has a monthly payment amount of XXXX dollars every month. It doesn't seem fair that I'm following a program based on their recommendation for my situation, but am being penalized by my score dropping tremendously. Further, the information on my credit report versus the loan details is not presented to me the same way, which seems misleading. An example being that one of my loans has a current balance of XXXX. This number has been this amount for over a year now with no accrued interest added to it until this month. So now all of a sudden the accrued interest for this loan has been reported for this account and XXXX XXXX says the balance has increased from XXXX to XXXX out of the blue. When I go to my loan details page, my current balance for this loan still says XXXX. What is reported to me versus what's reported to the credit bureaus is not presented the same way. If they can attach that interest to my loan for credit purposes than the current balance on my loan should reflect that number reported to the bureaus not the same XXXX then another section listed as " unpaid interest. '' I believe that this interest should not be added to my credit report as it has not ever been reported up until this point and it is not reflected in the current balance in the loan details page on my online portal. I feel that I am being penalized for following my repayment plan that was assigned to me by my loan servicer. If my current balance is one thing on my loan details page, it should be the same on my credit report unless the interest capitalizes and is added to the original loan amount. This style of reporting currently used by my servicer makes my loans look like a credit card account and that I'm supposedly borrowing more money and constantly changing every month. An installment loan is not a revolving credit account, thus it shouldn't be treated as one with constant changes in balances. An installment loan is only supposed to affect your credit score if you miss a payment or default. Neither of which has happened yet in seeing a 47 point drop which is ridiculous! This will adversely affect my ability to apply for a mortgage or any other lender based activity that my credit score is based on due to an account that I've never missed a single payment on. My credit worthiness is being depicted inaccurately because of this loan servicer. Please help me resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED THE CREDIT ISSUE BELOW IN XX/XX/XXXX. XXXX  DID NOT FIX THE ISSUE AND CLOSED THE INVESTIGATION. XXXX IS THE CREDIT CARD IN WHICH I HAD A SECURED {$200.00} Security deposit that was NOT RETURNED TO ME WHEN I FILED BANKRUPTCY, they kept my money and reported me as bad debt. THERE IS NO PROOF OF ANY CASHED CHECK THAT XXXX HAS SENT ME. PLEASE REMOVE FROM MY CREDIT, REPORT CARD WAS PAID! I ONLY OWED {$24.00} in which I would like waived for inconvenience. 

XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

THE ARE NOT CREDITING MY ACCOUNT PROPERLY.

IT IS ILLEGAL TO REPORT TRANSACTIONS HISTORY ( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes. 

( 2 ) Fees for preparation of a deed, settlement statement, or other documents. 

( 3 ) Escrows for future payments of taxes and insurance. 

( 4 ) Fees for notarizing deeds and other documents. 

( 5 ) Appraisal fees. 

( 6 ) Credit reports. 
AS PER A FEDERALLY PROTECTED CONSUMER I AM OPTING OUT OF ANY AND ALL AUTHORIZATION I MAY HAVE GIVEN YOU WRITTEN, UN-WRITTEN, VERBAL, UN-VERBAL AS PER 15 U.S.C 6802 ( b ) Opt out ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third parties ALSO ANY CHARGE OFF ON MY REPORT IS CONSIDER A CERTIFICATE INDEBTEDNESS BY LAW INCOME AND INCOME CAN NOT BE REPORTED. 
APPLY ALL RULES OF THE FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT OF XXXXFOR VIOLATION THAT APPLY. 
ALSO REFER TO THE INDENTURE ACT OF XX/XX/1939 ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : JEFFERSON CAPITAL SYST Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of two inaccurate and invalid negative items from my credit file that are unjustly harming my credit standing. I have thoroughly reviewed my credit reports and found serious discrepancies in the way these accounts are being reported across credit bureaus, specifically between your agencies and XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I mistakenly transferred {$300.00} from VENMO COMPANY to a closed business account with XXXX XXXX XXXX. XXXX received this transfer, but as the account was closed has record of refunding {$300.00} to the Venmo company on XX/XX/year>. Venmo has no record of this refund, but in a XXXX way call between me and verified XXXX and Venmo employees on XX/XX/year>, XXXX bank confirmed that they transferred {$300.00} in my name back to Venmo on XX/XX/year>. Since this confirmation I have been ran in circles by Venmo 's customer service specialists, being bounced from one agent to another. It is clear Venmo has no plans to refund the {$300.00} that has been sent to them in my name. Venmo has this request under the number XXXX XXXXXXXX for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tired to repair my credit I had items removed and some wasnt meaning removed from two credit bureaus but which was XXXX  and XXXX but for some reason still appearing on XXXX did a dispute still coming back verify but I have documents thats it been deleted from the other two credit bureaus. Account : XXXX XXXXXXXX XXXX XXXX # XXXX amount : {$310.00} address:XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX , KS XXXX
Product: Money transfer, virtual currency, or money service

Ive continuously contacted Navy Federal to pay off a charge off I have through direct deposit in full payment of XXXX $ it seems it didnt go through on the XXXX but I have had money in since the XXXX of XXXX bank statement, Ive already let my bank know the exact amount. This payment still hasnt been made. After contacting a second time it still hasnt been posted, the money is just sitting in my account. This is suspicious and concerning, someone tried to put in a check for XXXX it wasnt me and it also didnt go through. It seems as if someones trying to take it out and is someone from Navy Federal. I also went in person to pay it I sat down with a clerk and she didnt not tell me that I would have had to have cash to pay it so I waited and wasted my time for XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, at XXXX, I called Experian and discussed that there was incorrect personal information reporting on my credit report that was not accurate and asked that it be removed. Incorrect addresses, mis-spelling of name, incorrect telephone number and past employment. Experian fraud dept refused to remove the incorrect information.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report recently and found a bankruptcy and am requesting you reinvestigation. XXXX, XXXX XXXX and Experian all say they information was verified. i contacted the clerk of court and they told me that they don't verified any personal information XXXX XXXX XXXX, Docket # XXXX Docket # XXXX
Product: Credit card

Capital One received a cashier 's check by mail to be applied to my credit card balance. The account updated stating payment was received on XXXX/XXXX/2016 and posted on XXXX/XXXX/2016. Although, the credit card reflected a credit for an overpayment, the available credit on the account remained at {$20.00}. When calling to inquire about the available credit, I was informed that the payment had been placed on hold for 9 days. I questioned the legitimacy of the hold for a cashier 's check less than {$5000.00} considering REG CC requirements. I was told by the manager that a hold can be placed on ANY payment without an explanation regardless of the form of payment used. No attempts were made to verify the check. Not to mention the credit card is fully secured by my funds. When asked what the reason was for the hold, I was told no specific reason could be given and that it could be several causes. I was alarmed by the response and said that it sounded like a violation of a federal regulation. When denied credit, a reason must be given. When funds are placed on hold in a deposit account, a reason must be given. Unfortunately, Capital One states, no reason is necessary for holding funds applied towards a credit card. After attempting to reason with the manager, I was only shot down multiple times. By the time this is resolved, I 'm likely to have access to my funds. But, the idea that they can make rules that go against federal regulations and inconvenience their customers without an explanation is my concern. No business should be able to impose limitations to access of one 's own funds without an explanation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were not authorized by me
Product: Debt collection

XXXX has sold this account to Diversified Consultants, in return Diversified Consultants never sent a letter out this company placed this account XXXX on my credit report. If Diversified Consultants would have taking the time out and contact me then would have known the account was taking off my credit by Consumer Financial. XXXX was notified about the complaint and XXXX XXXX XXXX also knows this was taking off my credit. 
CFPB first complaint # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I had an account with Lendmark Financial. Upon obtaining a loan from Lendmark Financial I setup automatic payments to be deducted from my checking account. 

As of XX/XX/XXXX I was coming up to my last payment which I figured would be deducted like all other payments. That final payment wasn't deducted and I didn't realize it until XX/XX/XXXX. I went online to Lendmarkfinancial.com check the status of my account. It showed the last payment amount as late. So attempted to make a payment online. The system error popped up and advised the system wasn't available. Tried to make a payment on several occasions and got the same error. Then late XX/XX/XXXX I noticed Lendmark Financial put negative remarks on my credit report. I contacted Lendmark Financial on several occasions via email with absolutely no response.
Product: Credit reporting or other personal consumer reports

The reporting company XXXX refuses to remove debt that was brought from by debt buyers and other collection agency that isn't mine or could be mine. without proper identification of the account showing my information and signature then the debt is fraudulent and therefore should be removed from my report. I have disputed these debts, and they only allow them to update them and continue. They are hindering my ability to live and apply for proper credit. I demand that these reports be removed right now. I am also attaching a cease and desist for XXXX and the following debt collection/buyers to stop calling and harassing me by phone and mail. 
XXXXXX/XX/XXXX XX/XX/XXXX NATIONAL CREDIT ADJUSTORS XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 

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 an account without my written instructions. 


# 1 - EQUIFAX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # 2 - XXXX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # 3 - XXXX  - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX and I asked for a full review of the file are a copy of the information that's being reported on my credit report and I did not get a response I also shared with them I am a victim of identity theft since XXXX.My family & I experience a disaster Hurricane XXXX XXXX XXXX was the worst day of my life losing everything I owed even my identity. I sent in a copy of my police report to XXXX Equifax XXXX XXXX years ago to let them know my identity was stolen. This year I had to file another fraud claim of identity theft because of someone used my information. please remove this negative account off of my credit report. This is the second police report I had to file I am attaching a copy below thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. )  This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.