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

I called each department and asked for the information that i see on my credit and couldnt get any information. I also have a few errors and misspelled to my name on my report and an address i dont recognize.On my report I see an address from XXXXXXXX XXXX XXXX  and my name is XXXX I see a misspelled XXXX thats not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Tree The profile has my entire info but it shows many small errors that Make it seems like it's me And its creating a big Problem that's affecting me.

There's Loans and Credit Cards Under my name I didn't Get, the address matches mine, even my last address but my date of birth is different for 1 year but in the SSN the last 4 matches my last 4 ITIN number.

A credit line I had just closed my account without giving me any explanations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are incorrectly reporting the XXXX account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately on my credit report.
Product: Student loan

I have been working with this company since my first loan in XXXX. The loan forgiveness is misleading, the workers will switch how to pay the persons loan but then the loan suddenly doesn't qualify anymore for loan forgiveness. The " loan forgiveness '' is a scam- they charge high rates with few, if any, of ever reaching 120 payments. I have asked for copies of the hundreds of phone conversations I've had with them, they will not give them to me. 
I paid off my loan of $ XXXX on XXXX the check cleared on XX/XX/XXXX. The funds are " lost ''!!! And my account still shows a balance of $ XXXX, now my credit report has been dinged. 
Can you help? This is an awful practice!!!
Product: Credit card or prepaid card

On or around XX/XX/2020 I initiated a balance transfer from my XXXX Citibank credit card to my XXXX XXXX XXXX  credit card. On XX/XX/2020 XXXX XXXX showed the {$700.00} transfer. As of XX/XX/2020 XXXX Citibank still does not show the {$700.00} credit. I have attempted to contact Citibank but there customer service does not let you talk to a live person. I have sent 2 messages, no response. I sent XXXX XXXX a message, no response. I am continuing to accrue interest charges on the same money in two different banks. I don't see this clearing up anytime soon, that's why the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint back on XX/XX/XXXX complaint XXXX XXXX  regarding Public records Case XXXX XXXXXXXX and Case XXXX XXXXXXXX and this company continues to report inaccurate false information on my consumer report. I have provided proof and all they seem to do is play the blame game and I'm tired of the lies. On XXXX XXXX  responded the following to me via CFPB : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. XXXX has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address - UPDATED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX AS REPORTED ( 2 ) XXXX XXXX XXXX-DELETED ( 2 ) XXXX XXXX XXXX XXXX-UPDATED XXXX-UPDATED XXXX XXXX XXXX XXXX-UPDATED XXXX XXXX XXXX/ XXXX XXXX . 


Now this says they verified as reported from XXXX XXXX XXXX XXXX Alabama which is false reporting because I have a letter from the court stating they DO NOT report to any agencies. Secondly I called them on XX/XX/XXXX spoke with a XXXX supervisor and was told it was verified through XXXX XXXX which is also false because I also have proof from XXXX XXXX stating the inaccurate records were Deleted on XX/XX/XXXX the supervisor then tells me that when they submitted the reinvestigation Lexis Nexis verified these Public Records and told me its not them I need to contact they are placing blame on Lexis Nexis. Now here is the crazy part I provided documentation from Lexis Nexis after I filed a complaint with them through this same portal showing that these cases had been DELETED and they still continue to LIE. If these PUBLIC Records are not removed from my consumer report immediately I will seek litigation against XXXX or LexisNexis if I continue to be violated with this false inaccurate reporting. At this point I don't know who is lying or telling the truth XXXX or LexisNexis but get the XXXX straight because yall are defaming my character, causing me emotional stress, mental anguish and costing me time and money not only that but this is past violating the FCRA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 4 weeks ago I realized some erroneous/ derogatory information was being reflected on my credit reports. I first called the companies to try to resolve and make sure no further charges occurred as I believe that I am a victim of identity theft. I then submitted disputes with XXXX, XXXX and XXXX. I could really use some help trying to sort this out and want accuracy. This is negatively affecting me and my credit. The accounts do not belong to me and I never opened or applied for credit with these companies. Was it done in-store or online? Is there a photo id or signature verification? What City and Stated did this fraud happen in? Is there PROOF that these accounts/ debts belong to me? 
I had a primary residence for 15 years ( XXXX to XXXX ) ; then lived at a friend 's house for XXXX XXXX ; and have been at my current address since XXXX ( XXXX XXXX ). This can be substantiated with change of address status thru USPS as well as filed tax returns. 
I never benefited or received any merchandise, products, or items including lines of credit, loans, or finances since I did not shop or order from these companies. 
The companies falsely reporting against me are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Kikoff Lending LLC
Product: Credit card or prepaid card

While assigned a fiduciary when deemed incompetent there were account that seem to have been opened and paid for out of his best interest by the assigned fiduciary in the fiduciary 's best interest with the permission or consult of Mr. XXXX or the VA authority HUB itself. Attached you will notice a list of debts that are required at the beginning and end of a fiduciary 's duty that shows the bills that are being paid and outstanding so that the VA know the circumstances of the veteran for the oncoming fiduciary. You will notice that the debts being contested or disputed are not listed on this legal document due to the fact that the legal fiduciary opened these accounts fraudulently and was keeping them hidden from the VA, but was still paying them out of the veterans ( Mr. XXXX ) bank account, which was not in his best interest. That is why to some creditors it looks like it was indeed the veteran that opened them and paid out of his account, but in fact he had no control over his finances and his fiduciary was the one opening accounts without his knowledge and permission and illegally, and it shows deceit by not even informing the VA with the bills report while doing so. After years of treatment and rehab Mr. XXXX was able to get to a status where he was able to learn and gain his memory and other things back. at this time he quickly got divorced when he noticed things were happening that should not be and after some time researching what has been going on with things and looking at his records and files, which took some time he realized what was and wasn't his and now is able to start managing his own finances which is document is these attachments. After realizing that he was paying bills for things that was not even his responsibility he realized something needed done and that is why we are where we are today writing this complaint. He has tried many avenues to get these issues fixed, but has gotten anywhere except harassed and accused of many horrible things by the customers service reps from these credit card agencies and it's about time that they correct the issues they have put him through and more! This isn't how we treat war veterans that come back to the USA with injuries then get taken advantage of by an evil person and then have to deal with even more inconsiderate humans while trying to get things fixed, its a disgrace that someone has to deal with this much XXXX in their life over fighting for their country. there are plenty of attachments to support these facts, and please understand what a fiduciary is since most people dont and think that if someone is deemed incompetent they must have a POA, that is incorrect when it comes to federal monies so please make sure your very versed in your knowledge when responding and trying to make more accusations as expected like other times instead of accepting the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this line item from my credit report but XXXX and Transunion have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company self inc is reporting different payment history to all three credit bureaus which is negatively affecting my credit score. On XXXX theyre reporting that I was late for XXXX and XXXX of 2022 but yet for XXXX they reported that I was late for XXXX of 2022 but on time for XXXX of 2022. As for XXXX they did not report any payments for XXXX or XXXX. This has greatly affected my score and prevented me from residences to apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Creditor received my dispute and removed disputed account from my consumer report. Upon disputing other items XXXX XXXX XXXX opened a collection account naming XXXX as the Original Credit on my XXXX report less than 12 months ago. 

Upon disputing the derogatory account XXXX XXXX opened using my personal information without notice, consent and/or authorization. I disputed the item, my credit file was updated back dated to XX/XX/2015. I do not owe XXXX XXXX {$340.00}. 

Upon disputing this same item with CFPB prior to this complaint ; XXXX XXXX XXXX began reporting that same account on my Equifax report. XXXX XXXX XXXX adversely affected my credit score, credit file, and does not demonstrate fair practice.
Product: Money transfer, virtual currency, or money service

Im writing to give a voice to my concerns of Zelles handling of my disputes especially since the lawsuit of CFPB bring to light significant issues with this platform. Although I had used Zelle many times and reporting discrepancies Zelle and my financial institution failed to properly investigate my claims. I was told that it would be impossible to track or recover any of these transactions. The CFPBs findings indicate thats Zelle not only failed to protect consumers but allowed these repeat offenders to continue to exploit the system, leaving consumers vulnerable to these scams. The lack of transparency and accountability is not acceptable and leaves me with concerns about my safety as a consumer.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX Credit Bureau 's XXXX XXXX XXXX XXXX for Account with Bank XXXX XXXX Dear XXXX XXXX XXXX am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX XXXXXXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my Account # XXXX, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX  XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> letters were sent to all XXXX  credit bureaus to have old closed accounts remove from my credit report. It is affecting my children and I lively hood, XXXX XXXX- XXXX XXXX  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: Debt collection

I am writing to formally request debt validation under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ) XXXX15 U.S.C 1692g. I recently received a notice from your agency regarding an alleged debt, and before I take any action, I am requesting full validation of the debt, as required by federal law.

Per FDCPA, please provide the following : 1. Proof that I owe this debt, including a signed agreement or contract.

2. A detailed breakdown of the amount owed, including principal, interest, fees, and any other charges.

3. The name and address of the original creditor, as well as the original account number.

4. Proof that your agency is legally authorized to collect this debt. 
Until proper validation is provided, I request that you cease all collection activities, including reporting this debt to the credit bureaus, as required under 15 U.S.C. 1692g ( b ). If you fail to provide proper validation, I. expect that you remove this account from my credit report immediately and cease any further contact regarding this matter.

Additionally, under 15 U.S.C. 1692c, I formally request that all communication regarding this debt be conducted in writing only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4200.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Bank account or service

I pulled my annual credit reports from all XXXX bureaus. There is an unauthorized hard inquiry on my XXXX report. I could not dispute this with XXXX ( it rejected 4 times! ). This same creditor is listed numerous times online for unauthorized hard inquiries so I figured this is a job for the CFPB. While we still have one. There is NO account, just the inquiry. Here 's mine : Hard Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX
Product: Credit card or prepaid card

While trying to pay my monthly fee at Capital One this month of XX/XX/2020 I was hampered with not having the XXXX numbers of my closed card handy. Using my social security number I learned that I have 2 closed accounts and one from very long ago that is still open. What??? But the privacy issue is that Capital One claims it tried to send me a text message to confirm my identity and that my phone refused the text. What??? Now they have placed a 'restriction ' on a closed account. I am supposed to send in a picture, front and back, of my driver 's license! I asked several times why they do not use my email address for identity confirmation like other businesses and banks do. They give some kind of run-a-round answer. I have had to hang up twice because they give me a XXXX. They sound like they are into some kind of criminal identity theft. Am I really communicating with Capital One? Remember XXXX XXXX? " Is this the party to whom I am speaking? ''
Product: Checking or savings account

I requested from United states Automobile Association, as I am a client, that I would like to disassociate XXXX from any and all of my banking accounts. I never received a response and I believe that funds have been withdrawn from my accounts without my authorization. Also on my mobile application for USAA it stated that the federal savings bank was not Federal Deposit Insurance Corporation insured however ; according to the FDIC website that is incorrect.
Product: Mortgage

Request a copy of assignment and release for both loans from Bank of America ( XXXX andXXXX ) from XXXX. I Do not agree with loan amounts for both loans for XX/XX/XXXX money purchase for home.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, XXXX, and Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX Reported to XXXX, XXXX, EXPERIAN, PROFIT AND LOSS WRITEOFF ( AUTO LOAN ) XXXX XXXX Account # XXXX Being Reported to XXXX, XXXX, EXPERIAN CHARGED OFF ACCOUNT BAD DEBT XXXX   Account # XXXX Being Reported to XXXX, EXPERIAN ( ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, ) XXXX Account # XXXX Being Reported to XXXX, and XXXX ( CHARGE ACCOUNT ) XXXX Account # XXXX Being Reported To XXXX, and XXXX  ( CLOSED OR PAID ACCOUNT/XXXX   BALANCE INSTALLMENT SALES CONTRACT ) XXXX XXXX XXXX/XXXX XXXX Being Reported To EXPERIAN ( INACTIVE ACCOUNT REVOLVING CHARGE ACCOUNT ) XXXX Account Number # XXXX Being Reported To XXXX ( FLEXIBLE SPENDING CREDIT CARD ) XXXX  XXXX Account # XXXX Being Reported To XXXX  ( STUDENT LOAN ) XXXX XXXX Account # XXXX Being Reported on XXXX ( PLACED FOR COLLECTION )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, along with the Privacy Act of 1974, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information under 15 U.S.C. 1681 and 15 U.S.C. 1681b. 

Accounts ( 3 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing Equifax Credit Reporting Bureau to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Product: Debt collection

A company claiming to represent XXXX XXXX- A payday loan company that I neglected to pay contacted me threatening to seize my vehicle, claiming that I committed fraud and other allegations Company name is XXXX XXXX XXXX XXXX Phone # XXXX
Product: Money transfer, virtual currency, or money service

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

Aidvantage submitted my request XX/XX/22 for the refund of payments I made to my Consolidation loan during the XXXX XXXX XXXX XXXX, totaling {$930.00}. Aidvantage quoted the processing times for refunds to be approximately XXXX weeks. To date, I still have not received my refund. Aidvantage customer service has been lying about the progress of my refund every time I call. They are not practicing business faithfully & have not processed my refund in a timely manner. It has been over XXXX weeks, since the time frame that Aidvantage quoted that I should receive my refund. The time frame was quoted in their response to my last complaint on via the CFPB.
Product: Checking or savings account

Navy Federal charge me overdraft fees and I had money in my account to cover it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment history is completely inaccurate! Loans on Forbearance from XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX showing 90 days late when XX/XX/XXXX - XX/XX/XXXX are on time. Another forbearance was granted XX/XX/XXXX - XX/XX/XXXX