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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations listed and filed to FTC XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Creditor Name XXXX XXXX XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- ATTORNEY GENERAL-XXXX Account Type XXXX XXXX  Account Status Open XXXX XXXX XXXX Account Type Secured Loan Account Status Open Opened Date XX/XX/XXXX XXXX
Product: Vehicle loan or lease

* Alliant Credit Union fairly recently switched to a new online portal, and in doing so they broke my Autopay, and they never informed me until I received a threatening letter stating that my loan is delinquent.

* I've attempted ( many times ) to fix the autopay, but the website is still having some kind of bug that prevents me from getting the autopay working, with an error stating that Autopay is already configured, and I must call support for further assistance.

* I've contacted support many times both via phone and secure online messages asking for this issue to be rectified but I get no where with Alliant support. I have wasted hours of my time trying to get this resolved to no avail. The website has a bug and support is unable to get my AutoPay working again. 

*Alliant is charging me late fees. I have always had autopay enabled and I have never missed a payment until they broke my autopay during the transition to a new portal ... 

* Furthermore, when I initially set up my autopay, I had set it up to pay a bit more than the monthly expected payment and there was an option that I selected to have the the remaining extra payment applied to principal. After further examination since the issue above happened, it appears that my extra payments towards principal actually was not being applied to my principal. 

*Alliant has yet to provide me with a loan amortization schedule that dates back to my first payment, and am unable to reconcile my account because online statements do no go back far enough. I have asked Alliant to provide me with ALL statements since loan inception and they still have not sent it to me.
Product: Debt collection

On numerous occasions XXXX XXXX/ XXXX XXXX XXXX XXXX called my fathers cell phone number after I asked them not to as this isnt his debt. The collections people were rude and didnt listen to my request. They then started calling my sister and aunt harassing them about the debt. I didnt have any of these numbers on file, in fact my number was on the system. The collector I talked to that day, told me they were going to sue me and take all my assets. I had lost a job previously and was still trying to catch up. They were not willing to work with me on a payment plan that I could afford. I was about to give them my grocery shopping money and have my family go hungry, just so they could stop harassing my family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/, 2022. And now we are in the month of XXXX 2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. 
KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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

There are negative items on my credit report that I do not recognize. I sent letters certified mail to the reporting agencies letters asking them to remove this inaccurate information. It has been more than 30 days based on the required time under the FCRA laws and I have not received response.
Product: Debt collection

This is not correct. I had debt with rent debt as of XXXX that I paid and settled XX/XX/XXXX, now I spoke to a representative today. They refuse to talk to me and refuse to resend the correct paper that states that is paid off. Please check the records and phone calls from XXXX! Not XXXX!! Why would I be complaining about a 2 year old debt, the representative also stated that this account will be removed. Rent debt sent a paper that says the wrong balances.
Product: Credit reporting or other personal consumer reports

I pulled my credit reports on XXXX from XXXX, Equifax, and XXXX. 

On the XXXX report my name is correct but the XXXX AKA 's are not ; on the addresses, the current address is mailable but the other XXXX are non-mailable addresses ; the only phone number that is currently in use is the first XXXX, the other XXXX do not belong to me. 

On the Equifax report my name is incorrect with various errors, XXXX of the XXXX formerly known as, is the correct name ; the current address is mailable but the other XXXX are non-mailable addresses. 

On the XXXX report there are XXXX names with only XXXX being the correct one ; XXXX address is mailable and the other XXXX are non-mailable addresses ; The residential phone number is the only one that is correct, but classified incorrectly as it is my mobile number, the other XXXX do not belong to me.
Product: Student loan

I am writing to bring to your attention a matter concerning my eligibility for student loan forgiveness. Earlier this year, I received a letter indicating approval for loan forgiveness. However, when the forgiveness process commenced, I was inadvertently skipped, and my loans remain outstanding. 
I firmly believe that I meet the qualifications outlined in President Biden 's student loan forgiveness plan. I kindly request a thorough review of my case to determine my eligibility for partial or complete forgiveness of my student loans. 
I appreciate your prompt attention to this matter and look forward to a fair assessment of my eligibility for student loan forgiveness. Your assistance in resolving this issue will be invaluable in alleviating my financial burden. 
Thank you for your time and consideration. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my updated credit report on XX/XX/2022, and realize that it still has multiple erroneous information on section " Personal information '' the address such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY, and XXXX XXXX AV XXXX XXXX, NY XXXX, do not belong to me, about a month ago I sent a dispute to the credit bureaus to remove the inaccurate address that were found on my credit report, unfortunately they did not remove it, so I am now getting in touch with the CFPB, because I do not want inaccurate addresses on my report and I need them off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX {$87.00} XXXX  XXXX {$630.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX  XXXX {$91.00} XXXX {$450.00}
Product: Credit reporting or other personal consumer reports

TAKE NOTICE ( XXXX ATTEMPT ) COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO XXXX XXXX XXXX BY REPORTING UNAUTHORIZED INFORMATION. ON XX/XX/XXXX, IN WRITING, I SENT COMPANY AN OPT OUT NOTICE. COMPANY IS STILL REPORTING NON PUBLIC INFORMATION ACCORDING TO CREDIT REPORTS. 

COMPANY IS IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING CONSUMER PROTECTIONS : -PRIVACY ACT OF XXXX -CODE OF FEDERAL REGULATION TITLE XXXX CHAPTER XXXX SUBCHAPTER C PART XXXX PRIVACY OF CONSUMER FINANCIAL INFORMATION -TITLE XXXX UNITED STATES CODE XXXX XXXX OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score shows at XXXX when in XXXX is XXXX, XXXX XXXX and XXXX XXXX. I don't know why it shows that is that low. What can we do to get it fixed?
Product: Credit card or prepaid card

American Express gave me a XXXX credit limit. I have XXXX cards with American Express not XXXX like many of American Express customers are awarded. American Express denied me a XXXX  increase that I requested based on me having credit available on a charge card. American Express wrote me and express that you already have credit and that I can call to discuss. When I called underwriter hung up on me intentionally because he didnt call back. The next person said the letter is what it is and theres nothing further to discuss. Well Im bringing to your attention American Express behavior towards a select few of their card members. American Express has a systematic way of depriving individuals of fair and equal access to credit in the United States of America. XXXX credit limit for a XXXX  year from a banking giant like American Express is really no credit at all. And to confirm its really a no they deny me in XXXX minutes every chance I request an increase. Despite my payment history, despite my XXXX XXXX. I know consumer finance stands behind American Express XXXX XXXX just as well as American Express knows consumer finance is behind them but maybe others with XXXX credit limit with credit scores over XXXX and no late payments will recognize they are experiencing the same denials. I asked for XXXX to XXXX and the letter says denied because you have this amount somewhere else. What does another card that has a XXXX balance have to do with another card payment history? What is going on here?
Product: Credit card

PayPal is now issuing a " paper statement '' fee for {$1.00} PER MONTH. This is discriminatory as it requires 1 ) a printer and/or 2 ) digital storage. These letters have been emailed and sent by PayPal in the past couple of weeks.
Product: Credit reporting or other personal consumer reports

We closed on a home on XXXX XXXX the original loan went to XXXX XXXX XXXX  which had the first payment due XXXX XXXX XXXX The loan was sold to XXXX before XXXX XXXX. I called XXXX XXXX XXXX to ask about payment due on XXXX. I never received a payment coupon and I was told by customer service if it was sold before the due date no payment would be due. The loan was sold to XXXX late XXXX. Then I got a letter in XXXX that payment was due from the XXXX XXXX XXXX  I did not see the letter until early XXXX since I was in another state for the entire month of XXXX. I immediately called and they said I owed them the first payment due XXXX XXXX. I explained several times 2 people with their company told me no payment was due and I would need to do my research with XXXX  as they showed they had the full amt of the original loan. I asked the rep at XXXX XXXXXXXX XXXX to be sure to note my account and not report anything as this was not my error and I am doing my due diligence to be sure I am paying the correct company. I had trouble with getting someone from XXXX explain and show me the loan amt they paid for my loan. After I filed a compliant someone contacted me to explain. They confirmed they purchased the loan minus the first payment of XXXX XXXX. As soon as I confirmed I called XXXX XXXX to make payment. I asked that late fees be reversed and nothing show. as pass due as it was not my fault and never recieved any calls from anyone. They have reported a late payment to credit agency. I would like to have this removed immeditally. I have worked really hard to keep my credit in good standing.
Product: Credit reporting or other personal consumer reports

Student loans managed by XXXX were reported two times to the TransUnion credit bureau, indicating my loan balance was XXXX when the actual balance was XXXX. My TransUnion credit was negatively impacted by approximately 30 points to this error. My credit report shows that MOHELA closed these duplicated accounts as of XX/XX/2024 instead of reporting the error to the credit bureau, which has again negatively impacted my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is more of a harassment of phone calls. They continue to call after I have asked that they not call me anymore. They call about illegal access to my computer and want me to send them money to fix problem and I tell them I don't need their assistance and they ignore and continue to call and harassment me anyway. These calls are from a company called Etrade and their phone number is : ( XXXX ) XXXX Please help me with these unwanted calls as they will not listen to my requests to stop calling my home.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

On or about XXXX XXXX I attempted to add my Citi credit card to XXXX XXXX. That prompted me to call and verify my identity with Citi and Citi began suggesting I open a banking account in order to verify identity because their other limited means of verifying identity would not work because if I had another account with them, they would be able to verify my identity. They further insist on sending a letter that will somehow verify my identity but because we are a military family, we have recently moved and this letter may reach us at some point in the next month, if at all. After repeated calls an assurances of no fraud, Citi continues to insist their is fraud on our accounts and will not allow us full access to our accounts and refuses to provide copies of their policies restricting identification and refuses to provide a summary of our customer service interactions which would reflect multiple resolutions of this problem, yet continued restrictions.
Product: Money transfer, virtual currency, or money service

Paypal has permanently suspended my account with no real reson, i have tried contacting them but they have done nothing to help me, i have genuinely ever done anything wrong and i have not even used the account for any financial transactions, a close friend told me i can use this site to file a report, hoping you can assist me, the email linked to my account is XXXX paitently waiting for your assistance in resolving the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I, XXXX XXXX, sent a letter regarding inaccurate and unknown things on my credit report. I have also attempted on several occasions to make complaints with CFPB and they have knowingly closed the complaints without completing an investigation. Until this day, it has been WELL OVER 45 days with no response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that failure to investigate these items with 30 days, gives a reason to immediately remove these items. On XX/XX/2020, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) was signed into law to provide relief to consumers and businesses struggling during the COVID-19 emergency. Among other things, the CARES Act amended the FCRA to address furnishers responsibilities Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ). Generally, the amendment requires furnishers who provide a credit accommodation to a consumer affected by the COVID-19 pandemic to continue to report the consumers account or credit obligation as current. This provision ensures that consumers affected by the pandemic can obtain essential relief without jeopardizing their credit scores and their future ability to rent or buy a home, purchase a car, obtain a credit card or student loan, obtain affordable insurance, or secure employment. The reporting has to be up to date! No late payments are to be reported. It is rectroactive to XX/XX/2020. I demand that the late payments be removed from XXXX XXXX ACCT # XXXX and XXXX XXXX XXXX XXXX- ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Errors from XXXX XXXX XXXX are being reported on my credit. The reporting information are inaccurate, last 4 of Account # XXXX was reported to the company as fraud and id theft because my cards were stolen from my wallet nothing was never done to help me as a customer and it is still reporting negatively on my credit with inaccurate information.
Product: Credit reporting or other personal consumer reports

I reviewed my credit reports from Equifax, Experian, and TransUnion and found incorrect personal information affecting my credit profile. Specifically, there are multiple inaccurate names, outdated or incorrect addresses, and employment information that do not belong to me. 

For Equifax : Incorrect names reported : " XXXX XXXX XXXX, '' " XXXX XXXX XXXX, '' and " XXXX XXXX. '' For Experian : Incorrect name reported : " XXXX XXXX XXXX. '' Incorrect employer reported : " XXXX. '' For TransUnion : Incorrect names reported : " XXXX XXXX XXXX '' and " XXXX XXXX. '' Incorrect address reported XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' ( missing apartment number and incorrect formatting ). 
These errors misrepresent my identity and could expose me to fraudulent activities or negatively impact my credit history. I also requested that all phone numbers be deleted from my reports due to receiving unsolicited robocalls. I have submitted disputes under Section 611 of the Fair Credit Reporting Act ( FCRA ), but I have not yet received an adequate resolution from the credit bureaus.
Product: Money transfer, virtual currency, or money service

I purchased a service which I never received due to the sellers fraudulent actions. I would like a refund ; if I can take this any farther Im willing to. 

Screenshots will be attached below this message.
Product: Credit reporting or other personal consumer reports

I submitted a dispute directly with TransUnion about a bankruptcy on my credit report. Once I submitted a dispute, TransUnion came back that the dispute was verified. I went furthermore to contact the courts to ask about the bankruptcy on my credit report. The courts stated to me and sent a letter that they do not share my information With any credit reporting company or third-party, my information is completely confidential So I resubmitted another dispute to TransUnion asking to me the method of verification on how they verify the bankruptcy on my credit report. I did not receive a response.
Product: Money transfer, virtual currency, or money service

I own a small business. I contracted through XXXX ( XXXX XXXX XXXX ) for all my payroll needs. XXXX  sends an email to my employees. This email enables my employees to enter their account information for direct deposit. I had one employee enter the wrong account number. This employee told me that he did not get his direct deposit on XX/XX/XXXX, for the amount of # XXXX. I thought it might have taken 2 weeks to get money, so we waited. I pay my team every week. On XX/XX/XXXX, he did not get paid again for {$440.00}. After the second week of my employee not getting his money, I called XXXX. This was XX/XX/XXXX. They sent me the ACH Trace ID number for the deposited transaction and told me to contact my employee 's bank, US Bank. My employee called US Bank and they told him that I needed to call them. I went to the bank and then they told me he needed to go in. The next day we both went into US Bank, and they told us there was nothing they can do. That we needed to call the XXXX number. So, we did. After an hour, the US Bank representative told us that this is XXXX 's responsibility and they needed to take care of it. Ok, fine. I went home and called XXXX. After an hour and a half on the phone with XXXX, I got disconnected. However, I did call them back and they informed me that because I didn't contact them within 5 days of the transaction, there was nothing they can do. And that I needed to call US Bank it is their responsibility to get my money back. During this phone call that lasted an hour and a half, the XXXX representative had me change the pay for my employee to a check. After I did that, the transaction read return funds of {$0.00}. I asked what that meant, and the representative put me on hold, for an hour. Now that the pay was converted to a check but the notice on XXXX said I was getting nothing back from the bank transaction, I had to figure out a way to get my {$830.00}. I know that XXXX  and US Bank may think that is nothing compared to the millions of dollars that they make a year, but I am a small business that just opened in XX/XX/XXXX. I am in my first three months of struggle. I just want my money back. My employee needed his money to pay rent and bills. I paid him in cash until all this is taken care of. I would like to know who's responsible for not verifying that the bank account number entered and the name on the bank account is correct? I would like to know how to get the money back from the wrong account it went into? I have ACH Trace ID number. I have the wrong account number where my money went. I have dates. I have amounts. I have everything I need to get my money back. If there is any way you can help, I would appreciate it. Please and Thank You for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Social security numbers on my account and on my husband 's account at Equifax, XXXX, and XXXX have the last four digits transposed. We were told this by XXXX XXXX, Finance Manager at XXXX XXXX in XXXX XXXX, SC XXXX on XX/XX/2021. We have ordered a car for next year and would like to purchase it. Thanks.