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

I have attempted multiple times to online freeze my credit with Experian. 
The online response is that they are unable to place the freeze, and to send a bunch of information through the mail to them. That is insane, like i am going to use the us mail to send a social security #, dob, and other vital information!!? 


This was all necessary due to the data breach at another credit reporting bureau -  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. No one of these inquiries which I listed in Identity Theft does not belong to me or any transactions made by me. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 
Please remove every thing as soon as possible because all of these are destroying my credit.
Product: Debt collection

I am writing to file a complaint against XXXX XXXX XXXX XXXX regarding their validation response to a debt on my credit report. On XX/XX/2023, I sent validation letters to all three credit bureaus regarding a debt in the amount of {$1200.00} attributed to XXXX XXXX XXXX XXXX. I included my identification, credit report, and supporting documents with the letter. 

Although it has been nearly 30 days since I mailed the validation letter, XXXX XXXX XXXX XXXX has provided a validation response affirming the debt. However, I find this validation response questionable as it does not align with the information I have provided and raises concerns about the accuracy of the reported debt. 

I firmly believe that XXXX XXXX XXXX XXXX has not adequately validated the debt in question. I request your intervention in investigating this matter to ensure that the debt is properly validated and that my credit report accurately reflects my financial obligations. 

Thank you for your attention to this complaint and for your efforts in protecting consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Vehicle loan or lease

This vehicle was sold in XXXX of 2020, the dealership never sent write off Check to Ally until XXXX which resulted in a missed payment on my credit report even though I did not have vehicle anymore associated with this loan. This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported.
Product: Checking or savings account

Ive had my account with MoneyLions bank for approximately a year and a half to two years and Since XXXX of this year I have been requesting to receive a debit card however they have advised me that they have sent two cards out already which I still have not received with that being said my tax return as well and my stimulus payment were both deposited into that account and the money was compromised so I filed a dispute at which they did provide a provisional credit within the 10 days which is what the law requires however they have blocked my account so I have no access to the funds even tho they sent an email Stating that the provisional credit Has been applied to the account and I have full access of the funds which is not the case so I called them spoke to multiple representatives and nobody was able to help me it is not legal or ethical to provide a provisional credit and then block the account you can not keep a consumer from their own rightfully earned money due to fraud They also said that the manufacture that produces there debit cards is having issues so they are not sending out cards Im also not able to link an external bank account so when the block is removed its going to be difficult accessing my funds
Product: Credit reporting or other personal consumer reports

These fraud accounts are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Kindly remove these addresses I will provide my documents to verify my address. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The only address I have is XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX The only name that should be reporting on the file is XXXX XXXX XXXX - remove any other names that isn't my name.
Product: Mortgage

On or about XX/XX/XXXX, I filed for a Pre-Approval VA Home Loan with Navy Federal Credit Union which was approved to start the home loan process. The amount was for approximately {$330000.00} to {$360000.00}, with a deposit or XXXX for approximately {$110000.00} to {$120000.00} from my recent home being sold on XX/XX/XXXX. During the process the loan was denied because of a Chapter XXXX Bankruptcy over 16 years for visa credit card for approximately {$2500.00}. They included the Bankruptcy, poor credit performance with them, delinquent past or present credit obligations with others, time since most recent account openings is too short, length of time revolving accounts have been established, too many accounts with balances and length of time accounts have been established. This was and old debt and was no longer showing on all three major credit bureaus creditors use for approving credit. 
Again one of the reasons is from retaliation and grudge from the Chapter XXXX Bankruptcy against Navy Federal Credit Union Visa Credit Card debt of about {$2500.00} on or about XX/XX/XXXX. The bankruptcy was removed and deleted on or about XX/XX/XXXX. To become a member again about XX/XX/XXXXor XX/XX/XXXX. I had to pay the former debt and/or provide the evidence I filed bankruptcy. I provided the required bankruptcy documents to become a member again, however I thought from the former being in default or not being abled to pay from financial hardship, unemployed and a previous divorce the debt would be forgiven and not held or used against me. I do not know why and for what reasons the credit union keep such old information to still use against their customers or members. 
I have an excellent credit score of XXXX, paid my debts on time with no late or missed payments. All of their false, negative views and opinions are false. 
I am being retaliated because of the past debt and bankruptcy decades ago and the Federal Bankruptcy Laws ( NFCU ) is  breaking and is illegal. My XXXX from being a XXXX veteran, ethnicity and/or race, family status of having a child under XXXX years old, being the single provider to my wife and son and my income from the Department of Defense via the Department of Veterans Affairs Benefits Administration and Social Security Administration. 
This is a Violation of my Civil Rights and Federal Laws. I feel and believe why should I have to go through a fair resolution to the issues and they do not have to abide by the U. S. Federal Statues and Laws. Their webpage site and online accounts for members do state they forgive previous debts for their credit cards and different loan programs. I am being singled out because of my race, XXXX, income sources, family status and others, when they are given loans out to other members from the same conditions and all these documents should be surrendered by the credit union. I do not know how to attach documents and/or uploads. I request a fax number or mailing address or email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$220.00} There is no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Product: Credit reporting or other personal consumer reports

To whom it may concern I reached out to XXXX on multiple occasions to remove information that they are reporting on my credit report The information is inaccurate and/or incomplete information concerning me in consumer reports. Their conduct has caused me distress and financially harmed me with costs and loss of opportunity. The following alleged Public Record they are reporting concerning me is Inaccurate and/or incomplete, and also unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted the court of Record they listed on my credit file, and they confirmed that they neither provide or verify court records to you nor any other third party. ( See attached letter ) I then contacted XXXX and informed them of their errors in reporting and they responded with a letter deleting any Public Record notations. ( See attached letter ) Therefore, they could not have possibly verified this information, with XXXX XXXX. I request that they delete the alleged Public Record and provide me an updated copy of my consumer file. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that they included in a consumer report that they prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data and reinvestigated it due to my current dispute. Unfortunately, it appears that they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
Product: Debt collection

Company PLM claims to be new owner of a note for a loan that was bought pennies to a XXXX  trying to collect zombie loan that never sent any statements for 15 years since 2009 that i stopped paying the loan now XXXX XXXX the hard money lender is dead and this PLM lending company is trying to collect with exorbitant fees and penalties knowing we cant pay ; so that they can steal my primary home equity where I have lived all my life ; and I have XXXX  teenagers. By via foreclosure.
Product: Checking or savings account

1. I am a totally XXXX person and I use a screen reader program installed on my computer, which allows me to interact with my computer. Screen reader programs are not only used by persons with visual impairments, but also Screen reader software is used by persons with reading XXXX, such as XXXX. Also, I am an XXXX XXXX, who specializes in assistive technologies for persons with visual impairments. I am intimately familiar with how various technologies interact, in order to ensure that persons with XXXX have equal access to information. 
2. The monthly bank statements are available to download from the banks website. The statements are in PDF format and I have been able to read the statements using XXXX XXXX XXXX software, which works with my screen reader. I have been able to read these monthly statements since XXXX and I save all of the statements on my computer, for reference purposes. 
3. As of the XX/XX/XXXX statement, I am no longer able to read the PDF statement using XXXX XXXX and my screen reader software. Something has changed with regard to the production of the monthly PDF statement, which has made it inaccessible to persons using screen reader software. 
4. Prior to contacting customer service, I performed extensive testing using XXXX different screen readers ( XXXX and XXXX ), on XXXX different computers, using XXXX different versions of XXXX XXXX. I wanted to make sure that there was not a problem on my end that was causing the issue. All tests had the same outcomeI was not able to read the PDF statement. 
5. I contacted the bank on XX/XX/XXXX and spoke with a customer service manager ( XXXXemployee # XXXX ). I described my issue to him. He was not even aware that some people must use a screen reader, due to XXXX. He was sympathetic to my problem and opened a ticket, which he sent to the XXXX  department. 
6. I received an email response from XXXX ( email attached ). He indicated that no changes had been made to the statements and that the problem was on my end. He stated that I should try using a screen reader, such as XXXX or XXXX or maybe a different browser. The browser that is used to download the PDF file makes no difference. 
7. I responded to XXXX ( email attached ). As of XX/XX/XXXX, I have received no further response.
Product: Checking or savings account

On XX/XX/2003 Navy federal bank in XXXX Va violated my ADA rights by refusing to let me into the bank to deposit a check and refused to let me withdraw money from my savings account. I dont have a bank card and Im in a wheelchair
Product: Debt collection

I paid my Amazon credit card two weeks ago. I told Synchrony that I paid, and told them to stop calling me. I have a statement from Amazon that they received it. Synchrony has continued to call me. They called me twice Friday, twice yesterday, and XXXX this morning waking everyone up. I can not get them to stop calling although I have made several requests and settled my debt.
Product: Credit reporting or other personal consumer reports

I had a loan with XXXX that unfortunately fell delinquent. I logged into my online account on XX/XX/XXXX, which showed active, and made a payment of {$100.00}. This information was not provided or updated with the credit bureau. I was then served a court summons a few days later being sued by XXXX, I found out XXXX had not reported the payment to their attorney either. The attorney also informed me XXXX was not supposed to take my payment and my account should be showing closed, apparently it was closed in XXXX but showed open through XXXX? I noticed my loan balance on my online account showed {$6500.00} but credit and their attorney show almost XXXX? So was the judgement issued for the right amount in court? Why does my account still show open? How was my payment applied to the balance because I paid the attorney {$320.00} on XX/XX/XXXX because they said XXXX  required a payment and a half but credit report only shows I paid {$200.00}? Also, credit report balance still shows higher, after XXXX  changed it initially when I disputed it advising it was the wrong amount. I feel they are reporting incorrect amounts, wrong account status, filing judgement on open accounts. Are they keeping the account in open status to charge more interest and not take a hit to portfolio so delinquency on the front end stays low?
Product: Credit reporting or other personal consumer reports

I discovered incorrect information on my credit report, as outlined in 15 USC 16c-2. I am confident that this information is inaccurate and negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

Information was removed from XXXX reports XXXX, XXXX and Equifax due to Fraud and from there XXXX transferred the debt to another collection agency and also changed the initial date they stated that the account was actually opened defraud the XXXX XXXX XXXX as well as the XXXX XXXX.
Product: Mortgage

I recently went thru a loan modification with Stonegate mortgage company. The payments increased, almost XXXX a month. Which I told my servicer this he said I could do a short sale. I signed the paperwork because I wanted to keep my house. This process took months, so by the time I finished with it I was drained mentally. The stress was to much and not to mention my loan processor XXXX, was useless. I would call XXXX or times a week and get no return phone calls. So after I signed this new paperwork, thinking my payment was XXXX from XXXX, I received a phone call saying Your payment now is going to be XXXX we are adding the back escrow in and need you to pay it off. So that puts me at XXXX a month. I once again told them I can not afford this, so they said okay will split it up for 24 months so your payment is XXXX I feel this was totally misrepresented by Stonegate Mortgage. There was no mention of this happening when I signed the loan modification paperwork. Here I sit again behind on my mortgage again. I can not afford to hire a lawyer to help me with this. I talked to HUD, they said a complaint needs to be filed there should be protection for future customers. This loan is a USDA loan in which I contacted them but they could not help me.
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.

XXXX XXXX XXXX XXXX, 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Your bureau 's failure to comply with the Fair Credit Reporting Act ( FCRA ) has been noted. I demand immediate correction of inaccuracies in my credit report to adhere to federal law. 

Failure to rectify these violations promptly will result in legal action. I expect immediate compliance with FCRA regulations.
Product: Credit reporting or other personal consumer reports

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a certified mail letter from Equifax, XXXX, and XXXX that proves they received my dispute for XXXX XXXX XXXX. They are required by law to remove the negative account because the debt was opened fraudulently Per Section 605 B of the US Code.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFCB ) has recently filed a lawsuit against XXXX alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

RE : Advantage Aviator Red World Elite Mastercard credit card account The transaction I am disputing is from the merchant XXXX XXXX XXXX XXXX for the dollar amount of {$1200.00}. from XXXX XXXX. I have reopened my case multiple times and Barclay 's ruled against me. 
XXXX XXXX I received a Free Fraud Alert Courtesy text from Barclay for this charge. 
A couple hours later I call Barclay and deny all charges from said merchant. One charge makes its way onto my next billing statement. I call the fraud/dispute department and they began an investigation. I have reopened my case multiple times and Barclay 's ruled against me. They still have never contacted the merchant. I have been a loyal customer for years almost always paying off the entirety of my bill and 99.9 % of the time on time. I refused to pay the bill and canceled the card. My credit score has dropped from XXXX to XXXX due to this unjust ruling. Bottom Line- they flagged the charge as fraud, I called them the same day and denied the charge saying it was fraud. They should have a recording of me denying the charges. Somehow they are still trying to hold me responsible.
Product: Debt collection

Debit was paid for. And is still on my report and they keep raising the amount owed.