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

I have been disputing my 3 credit reports trying to get them to remove XXXX XXXX XXXX show I owe XXXX and the account was opened XX/XX/2018 I never had a account with XXXX XXXX XXXX and they can not send me any documents showing so. I have tried with no success. all three bureaus just keep siding with them. 

also I have disputed all three bureaus about XXXX XXXX XXXX -- shows I owe XXXX past due on charge off account. The account was not charged off My report shows XXXX XXXX XXXX XXXX balance closed. You had to have a saving account to get the card the 2 are link together. They sent me a refund. My balance should show XXXX. 


I have uploaded proof of both accounts and errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXXLNBRYANT  account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/LNBRYANT  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX/LNBRYANT  with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  # XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Checking or savings account

I am filing a company with the CFPB regarding Capital ones Failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may Violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection Laws, and I request your assistance in investigating This matter to ensure my rights are upheld. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent Equifax a dispute letter requesting unauthorized inquiries be removed from my credit report file. I never received a correspondence back from Equifax. On XXXX I sent another dispute letter for inaccurate reporting accounts on my credit report/file. It has been over 30 days and I haven't received any correspondences/reply from Equifax for these as well. I mailed another letter on XXXX stating I haven't received correspondence from them and to please delete the accounts listed in the letter for violation to respond within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXTransunion/and XXXX XXXX 

I have written to all of them severally and also made uncounted amount of phones calls to the above companies, but they have delayed the removal of several derogatory information on my credit report till date. 
My personal details was compromised and used for fraudulent purpose, and i reported the fraud alert when I returned from military service for my country XXXX ago. 
The FCRA Law, stated clearly what is expected of the credit agencies after 2 years, and still they have not deleted and remove all the fraudulent addresses/credit card/loans/student finance details reported on my profile. 
Its over 6years now, and they still left the negative information on my credit file and it has affected my life and my family. I have just recently reported a fraud alert again.Please HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been four months and credit reporting agencies have not deleted all unauthorize inquiries and accounts that was included in bankruptcy chapter XXXX. 
Bankruptcy chapter XXXX was filed on XXXX XXXX,2016 and Discharged by Federal Judge on XXXX XXXX,2016. 
Credit reporting agencies are reporting my credit scores at XXXX and why my credit scores has been dropping as I only have two active accounts XXXX XXXX XXXX of {$40.00} a month and XXXX XXXX XXXX of {$480.00} in which vehicle loan payment was reduced to {$440.00}. 
XXXX and XXXX has XXXX unauthorize inquiries that needs to be deleted permanently. 
Experian has only XXXX authorized inquiries and Experian has deleted all unauthorize inquiries from my credit report.Why XXXX and XXXX are discriminating and Retaliating against me as a XXXX US Citizen and Military Veteran. 
I am XXXX XXXX and XXXX.
Product: Credit card

I disputed is a charge by merchant XXXX XXXX  that appeared on my Citibank credit card. I was given a partial refund in the amount of {$1200.00} which is lower the disputed transaction amount of {$3.00}, XXXX charged on XX/XX/. 

This disputed charge was for a one-person reservation for a vacation that I made initially before modifying it. That reservation was replaced two days later on XX/XX/XXXX   with a two person reservation ( the previous person and a significant other ). The itinerary, hotel booking, duration of stay, etc., remained the same. A {$4800.00} charge was made for the new booking and it appears on the credit card statement. I gladly paid for the later charge but I shouldn't have to pay another amount for the same service because it appears on another reservation in the merchant 's system. 

Only a portion of the funds were refunded and what was basically done was they charged me two times for the same service. I have asked that the balance of {$2200.00} that they retained be refunded but they have failed to. Instead they recently billed me for it indicating that to be the resolution to my dispute. This eerily borders on fraud. 

Thank you for your consideration of this matter. 
Respectfully, XXXX.
Product: Mortgage

Carrington mortgage bought my loan from XXXX XXXX XXXX in XX/XX/XXXX while I was in bankruptcy and on my first statement I owed roughly $ XXXX to bring my mortgage in good standing. In XX/XX/XXXX, I had my bankruptcy dismissed and my XX/XX/XXXX statement said I owed roughly $ XXXX to bring my mortgage in good standing. Now in a much better financial situation, I was prepared to pay the $ XXXX to bring my mortgage in good standing, but the pay options on their website and app were XXXX and I had to call Carrington to make a payment. On XX/XX/XXXX I called Carrington to find out why my option to pay electronically was disabled and they informed me that they had not received notice that my bankruptcy was dismissed and transferred me to the bankruptcy department. When I spoke to the Carrington mortgage bankruptcy rep I told him my bankruptcy got dismissed and I wanted to make payment to bring my balance current but felt uncomfortable paying a huge amount over the phone. So I specifically informed the bankruptcy rep how I wanted my payment allocated and they said ok. At that time my most recent statement said I owed roughly {$6400.00} to bring my account current and my monthly mortgage payment is {$980.00}. I paid {$1300.00} and told the rep I wanted to see how this payment is applied to the amount owed to bring my account current and every dollar over the mortgage payment should be applied to the balance of what is owed to make my account current. The following day, I logged onto the company website and noticed that after they accepted my payment they released a new mortgage statement for the month of XXXX. On this new statement it recognized that I made a payment of {$1300.00}, but the amount owed to make my account current ballooned all the way up to over {$12000.00}. This is unnacceptable and led me to dissect my payment history and I recognized multiple times throughout my bankruptcy where the money I paid was unnaccounted for and was applied incorrectly. I requested Carrington to have a forensic accountant to give me a detailed explanation where each one of my payments was allocated throughout my bankruptcy and where each payment was applied. Again, I have never had a statement say I ever owed more than $ XXXX to bring it current until the most recent statement which say I am behind over $ XXXX after I paid {$1300.00}. Please help me uncover Carrington banks illegal accounting that is mismanaging my funds.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

Found out this morning I was on the list of people compromised by Equifax 's major error. They hung up on me when I called customer support. They also tried to charge me {$5.00} for freezing my credit score when they lost it in the first place. They also did not inform me for more than 30 days that my score was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following items off my credit file. The items on my credit report are reporting different on XXXX and XXXX. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt.
Product: Checking or savings account

I use   XXXX   to get extra cash but chase bank does n't show a report of my transactions on time and it 's causing me overdraft
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Following my previous complaint # XXXX Nicholas Financial XXXX Account # XXXX XXXXXXXX, is currently DEFAMING MY CHARACTER by furnishing information that should be excluded from my consumer report pursuant to 15 U.S.Code 1681a ( d ) ( 2 ) ( i ) a report containing information solely as to transactions or experiences between me the consumer and the person ( Nicholas Financial ) making the report. This information is causing damages to my CHARACTER, GENERAL REPUTATION AND PERSONAL CHARACTERISTICS serving as a factor in establishing my eligibility for credit to be used primarily for personal, family, or household purposes pursuant to 15 U.S.Code 1681a ( d )
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : Account Name : XXXX XXXX - Account Number : XXXX Account Name : Account Name : CHILD SUPPORT - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, COMENITYBANK/WAYFAIR add a hard inquiry on my credit report per XXXX. On XXXX XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX  XXXX On XXXX XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  XXXX The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a data breach. Fraudulent accounts and inquiries have been added to my credit file without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXXXXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, i made the 1st payment on guild mortgage webpage for the monthly payment of XXXX, XXXX. There has been issues so the online payment couldn't go through, i called and made the 2nd payment over on the phone, the payment went through immediately and posted to my bank account. Shortly, the 1st payment was also posted on my bank account, thus i was double-billed on XX/XX/XXXX mortgage. I called customer care and they have requested proof of me paying on both attempts. i sent the screen capture of my banc account, GUILD mortgage said they will issue a check to refund. 2-week after the conversation, yet to receive the check. I called and they said the check was never cut. Thus i disputed the second payment with my bank account, XXXX XXXXXXXX. It was concerning that the mortgage company was supposed to issue refund within 2-week timeline but they never did. Instead, they keep posting charges on my XXXX mortgage, where it should be roll-over from the XXXX duplicated bill. They end up giving me penalty on my credits due to XXXX late payment, while i was under the impression the roll-over from XX/XX/XXXX would have paid my XXXX XXXX monthly mortgage.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$490000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$17000.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}
Product: Credit card or prepaid card

N26 has locked my account and its been locked since XX/XX/XXXX I use this card all the time for online purchases and more. These ppl have locked my card and stated it was because of fraudulent activity when there was none and they have yet to explain where this fraudulent action came from because I sure didnt report to them anything. I was using my card just fine. I ask everyday when they will unlock my money and they wont tell me a time frame they wont answer my questions. I cant even pay my rent because of them!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Experian with no help. There was three different numbers and there was no one to speak to in regards to inquires and accounts that are on my consumer report that was not authorized to be there. This is an issue of identity theft. Per 15 USC 1681 ( a ) ( 1 ) if consumer reports are inaccurate it damages the efficiency of the banking system. As a consumer per 15 USC 1681b ( B ) ( IV ) as a consumer I have a right to dispute any information in my consumer report. Per 15 USC 1581b ( c ) ( A ) being as though I never authorized Experian to provide any reports to any persons, they are in clear violation of the Fair Credit Reporting Act. Per 15 USC 1681m ( d ) ( D ) as a consumer I have a right to choose what information can be in my consumer report. Being as though this information was not authorized by me it will have to be removed immediately.
Product: Student loan

Hello, I attended the XXXX XXXX XXXX XXXX XXXX After exhausting my Federal Student aid I was told my my school that I would need to take out private loans in order to finish my education. Navient was the loan provider they connected me with. On XX/XX/XXXX I received disbursement on the first loan. It was {$8500.00} with {$9600.00} of interest built into the repayment. 

On XX/XX/XXXX I received disbursement on the second load which was {$9000.00} with a total accrued interest of {$6400.00}. 

In XXXX I filed for Borrowers Defense for Repayment ( BDTR ). At that time I also became part of the XXXX XXXX XXXXXXXX XXXX  For several years I have been reaching out to Navient to either ask them to forgive my loans or to inquire about if they plan to do anything to address their predatory lending practices. The answer is always no. This debt has had significant and long lasting effects on my life and my ability to use credit and live comfortably. I had to put off paying my federal loans in order to meet Navient 's demands for repayment. Without BDTR, I would have no hope of getting out from under the ballooning interest on my student loan debt.
Product: Credit card

My name is XXXX XXXX last XXXX of my social : XXXX On XX/XX/year>, I paid Resurgent Capital Service 's LLP phone # XXXX, account # XXXX a payment of {$560.00} in which they haven't updated on their website as paid, not have they kept up with their agreement to report positive payment to the credit bureau 's for that payment they were collecting on from my an old XXXX  XXXX Account XXXX. Also, XXXX XXXX is still reporting to the credit bureau that I still have an outstanding debt with them, despite that they claim that they closed that account. I've called Resurgent Capital Service 's LLP several times for them to correct this problem by updating that I did pay it and also to update the payment on my credit report and they haven't.
Product: Credit reporting or other personal consumer reports

I recently noticed inaccuracies and false accusations and fraudulent inquiries. I am formally requesting that these be investigated properly with immediacy. The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the eOscar system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct. The Information as Shown Below Must Be Investigated Immediately. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item. Falsely reported inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am requesting that when responding to this dispute, you show the Method of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method. I am aware that the FCRA provides you ( 30 ) days to investigate these items, and ( 15 ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted. I have read that you will often label a dispute as frivolous, with an accusation of the use of a credit repair company. Rest assured, I have entirely composed this letter myself, without the assistance of a credit repair company. Should I require assistance, it will be sought through an attorney, dependent on your response to this letter. Thank you very much for your cooperation.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report in XXXX and notice 2 accounts I have knowledge of or affiliation with. Those 2 creditors are XXXX  and XXXX XXXX. In XXXX  my information was compromised by my tax preparer as the company was relocation. I was advised files were missing that included my personal information. I reached out to the CRAs ( XXXX, XXXX, Transunion ) to have my profile temporary frozen. In XXXX I contacted the CRAs again to report the 2 fraudulent accounts I've never applied for, requested verification and for them to be removed. I checked again XXXX and accounts are still being reported. Reporting accounts due to identity theft violates 15 USC 1681 c-2. I also noticed someone attempting to access lines of credit because I now have credit inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have not authorized these transactions nor given any written consent for this information to be furnished to my report, which is in violation of 15 USC 1681B I am also requesting that my address is updated and also previous addresses not affiliated with are removed