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

I am very concern because my credit report is showing discrepancies. I am very cindered consumer and want only true information about me reporting under Section 623 ( a ) ( 2 ). If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 

Different date of last activity in every single credit bureau. 
Account status/account still open/Charge off account can not be open. 
Date account was opened the account is different. 
Last payment date is not accurate with the other credit bureaus Court house also dismiss this case. That must be delete from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX XXXX fraud account on my credit file due to fraud. This account is connected to fraud account XXXX XXXX account that has been deleted and is/was fraud as well from my credit file. I have explained and disputed this to XXXX on several occasions to no prevail. XXXX says that it is accurate and it is not! Its a fraud account associated to the fraud account XXXX XXXX account. Please have them to correct/delete this account from my credit file permanently! The most recent dispute was completed on XXXX/XXXX/2022. XXXX keeps allowing this same fraud account to continually reappear on my credit file under different names. Please help me stop this vicious cycle.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Hi CFPB and Citi Bank Compliant office, I have a citi bank credit card with a credit balance of {$150.00}. I requested bank to deposit the amount to my checking account or send me a check to my address. 
I called citi bank customer care several time ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and online remote agents failed to provide any solution to this problem. Citi online agents said they are investigating and providing me no solution.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a late payment for XXXXXXXX  for three late payments for XXXX, XXXX and XXXX for XXXX. There are also negative accounts reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX that needs to be deleted. As well as the hard inquires that I didn't provide my permissible purpose XXXX  and XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information from XXXXXXXX XXXX  ( XX/XX/2023 ) on my credit report that I am not responsible for. This was something that I did not authorize and have no knowledge of. Furthermore, 15 USC section 602 A. States I have the right to privacy. 15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681b Permissible Purpose of Consumer reports, I never gave this institution written consent to pull my credit report. 15 usc section 1681 s-2 Block of information resulting from identity theft. I asked Trans Union to remove this information from XXXXXXXX XXXX immediately. 

*I have attached a copy of my ID *Social security card *Identity Theft Report ( XXXX )
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

Account name XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX These inquiries are fraudulent : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

USAA has accessed a {$25.00} fee on a payment it would not allow me to cancel as an automatic payment in their system. I attempted to cancel an automatic payment several days before processing and the system would not allow cancellation I made a payment manually for {$500.00} which was posted immediately to my account on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here isthe list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently resolved an error on my credit report regarding late payments in my account that shouldn't have been in my account. I contacted XXXX about this issue and they told me they already fixed the error on their end and I would need to get in contact with XXXX, XXXX and Experian about this issue. 


Below is the email confirming the changes done to my account to fix the error on the payments..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act as they are currently reporting both Transactions and Experiences which is EXCLUDED on consumer reports. Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). They are reporting XXXX late payments and a balance of {$390.00}. I have also sent a notice to the consumer reporting agencies about this erroneous information to which they have not complied to the procedures and requirements of the Fair Credit Reporting Act.
Product: Credit reporting

The information on my credit report for all XXXX credit bureaus is not mine. The name, and date of birth do not match mine. The accounts were opened before i was even XXXX years old. I just turned XXXX and all of this is affecting me because i am a XXXX and because of the false information of my credit report i ca n't get a credit card, i ca n't apply for student loans, get a car, or even rent an apartment to live in.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX  ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX 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: Student loan

I am unable to afford my SAVE plan payment, so I applied for a term based repayment plan that I could afford with NELNET on XX/XX/XXXX. I received an autoreply email that it would be processed in XXXX days. On XX/XX/XXXX, I received a bill for the original, unaffordable XXXX plan payment. I again tried to request a term based plan on XX/XX/XXXX and received the same auto response that it will be processed in 7-10 days. I spent several days last week on hold for 2-3 hours at a time to try to get an update on the repayment requests, but I never got a hold of anyone. I have a job and can not spend 8 hours at a time on hold. I have sent several emails via Nelnets web contact form requesting assistance and an update on my term based repayment requests, but I have only gotten automated responses to those as well. 

My payment is due on XX/XX/XXXX and I will not be able to afford it. I have been trying for over a month to get into a repayment plan that I can afford, but Nelnet has absolutely no customer service. If my payment is not made on XX/XX/XXXX, I could go into default and harm my credit score, despite my efforts to make a payment.
Product: Debt collection

I received an alert yesterday on XX/XX/21 fron Experian that there is a collection account flagged in my account. As collection account was viciously added to my account when I am not aware who is party is nor have any uncollected debt with XXXX. 

I have a XXXX account and it is current as of this month. I therefore do not understand why the debt collector would attribute this collection account to me. 

Debt collection practice is ruthless with no regards to understanding how they can ruin someones credit and adding this collection to my credit has already caused damages. 

The collection agency has to provide proof of the debt owed to XXXX ; otherwise this debt collection should immediately be removed from my account. 

I am attaching proof that I am a XXXX customer with a current account. Therefore this so called XXXX debt is either fraudulent or erroneous.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A recent credit inquiry has brought to my attention that Portfolio Recovery Associates is reporting to the credit reporting agencies an account to which they claim I owe. 

I have reached out to Portfolio Recovery Associates on several occasions to gather more information and have not been successful in getting a response form them. I have sent Certified Letters through the United Stated Post office and have confirmed they were received by them. Yet they have failed to respond in a timely manner. 

I have also disputed the account with the credit reporting agency and Portfolio has verified them without provided proper verification. 

Further more the reporting they are submitting monthly violates laws by reporting as an open account. They are also reporting as a factoring company account. 

I am demanding that Portfolio submit an immediate deletion of this account request to XXXX, XXXX and XXXX.
Product: Credit reporting

I sent in a request for my free annual credit reports. i selected all XXXX reporting agencies to respond. as of today, XXXX XXXX, 2015, i have received only the XXXX report, dated XXXX XXXX, 2015 and the XXXX report, dated XXXX XXXX, 2015, but i have not received the EQUIFAX REPORT. 
EQUIFAX HAS NOT SENT MY FREE ANNUAL CREDIT REPORT THAT I REQUESTED IN EARLY XXXX 2015. THEY HAVE NOT RESPONDED FOR XXXX YEARS NOW. I HAVE HAD TO REQUEST THE INFORMATION MORE THAN ONCE FOR XXXX YEARS. PLEASE HAVE THEM RESPOND TO MY REQUEST AND ALSO PLEASE FIND OUT WHY THEY IGNORE THE FREE REQUESTS. THANK YOU.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Capital One put an inquiry on my credit report without my consent and I want it removed because its hurting my score.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate personal information currently being reported by TransUnion. The incorrect information includes names that do not belong to me. These inaccuracies are causing confusion and potential harm to my credit profile. Despite disputing these inaccuracies, TransUnion has failed to correct or remove the incorrect information, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.
Product: Checking or savings account

On XX/XX/year> I opened an account with Huntington Bank XXXX XXXX XXXX XXXX. 
I deposited a {$XXXX} injury settlement check from my lawyer into the account. 
The banker told me once I deposited it I would be able to withdraw up to {$XXXX}. 

As soon as I deposited the check the banker said " This is weird, they are holding the deposit and won't allow a withdrawal until it clears, but that will only take like 2 days. '' I was monitoring my account with the online banking app for 2 days. On the XXXX day I couldn't access my account online anymore and on the XXXX day I went into the bank to see what the problem was. 

They only tell me my account was forced closed. That I can't withdraw my funds at the bank or online and have to wait for a check in the mail and that can take up to 30 days. 

I am currently recovering from a brutal injury I received during a bad car accident. I can not work at the current time. I have been waiting for this money so I can pay lot rent because they want to evict me and my mother and I have run out of food. 

Today the money cleared and I called the branch and my account is still open but they are refusing to let me access my funds. 

My balance is {$XXXX} and they have no idea when my account will be closed. 

I called customer service and asked for a supervisor, then asked for their supervisor then asked for their supervisor and was transferred to a BAS supervisor who said if my account isn't closed as soon as the funds clear, then I can go to a branch and get a cashier 's check or the cash. 

The branch is refusing me. 

I call customer service and get transferred up through supervisors again all the way to the top guy named XXXX " something '' the XXXX answering machine pronounces his last name funny and I can't catch it. 

I have left him XXXX messages and he has not called back or emailed me I have left my phone number I have left my email XXXX times I have explained the situation on his voicemail XXXX times. 

My money is in my account and my account is currently open and they're refusing me access to it and I want my money immediately or I want to sue them. 

Please help.
Product: Vehicle loan or lease

I have a Chase auto lease for my XXXX XXXX XXXX. On XX/XX/XXXX, a Chase Auto representative instructed me to visit a local Chase branch with a personal check for the lease payoff amount of {$56000.00}, valid through XX/XX/XXXX. Following these instructions, I personally delivered the check for {$56000.00} to the branch XXXX at a Chase branch On XX/XX/XXXX before the deadline of XX/XX/XXXX. 

However, due to an internal processing delay within Chase, the Auto Department did not receive the check until XX/XX/XXXX. As a result, Chase is now requesting an additional payment of {$660.00} because the payoff was processed after the XX/XX/XXXX deadline. This additional charge is inappropriate, as the internal delay in transferring my payment from the Chase branch to Chase Auto is beyond my control. I fulfilled my obligation by providing the check directly to Chase before the payoff deadline, precisely as advised by the representative. 

Please refund the additional {$660.00} charge promptly. 

Thank you for your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX has lates that I should not have. I started bill pay with XXXX XXXX to pay my mortgage and I did not know that they were taking 7 days to send it. On the XX/XX/XXXXlate I went into the bank and paid it XXXX XXXX processed it like a cashier 's check which charged my bank an extra {$50.00}. All my efforts to get these lates removed have done nothing.
Product: Credit card or prepaid card

On XX/XX/2019, I attempted to send money using Cash App. I received a response that stated I needed to verify my identity. I provided my name, phone number, and address. Cash app Then had me take a picture of my drivers license and debit card. Cash App also had me allow access to my contacts which was uploaded. Cash app then made me sign in to my bank to retrieve account information. After all four steps were completed, cash app immediately closed my account. I reached out to ask why. The response was I violated the terms and conditions. I asked specifically what terms and conditions I violated and never received a response. I have asked this question twice. I am concerned about my privacy since I provided a lot of accurate but private information to verify my identity. If there is some other term that was violated ( identity couldnt be the cause ), then why was I asked to divulge such private information? I will be seeking civil action.
Product: Checking or savings account

On XX/XX/XXXX I deposited a paycheck and it was held for nearly XXXX weeks. I was assured that any future check deposits would not be held going forward. I deposit my next check on XX/XX/XXXX and once again it was set to be held until XX/XX/XXXX. So I requested cancellation of the deposit and was told that it had not been deposited and I used my XXXX XXXX to cash my check. Four days pass and despite never having cashed this check capitol one not only causes this check to bounce my other bank resulting in a huge negative balance but they are holding all other funds in the account pending investigation. They are owed no money and have no right to shut my account or hold my funds. Not to mention, if my cashed check bounced my other bank this means they lied and were given funds from a check that belong with another bank because the transaction was cancelled with them. I want immediate release of my funds and any money held improperly to be returned to me.
Product: Payday loan, title loan, or personal loan

I opened a high interest pay loan with Cash Call. In XX/XX/XXXX and they have marked my account as late on three separate occasions on my credit when I first, requested the pay date be changed so that my account was debited on a different date. The representative asked for all my information. On XX/XX/XXXX and XX/XX/XXXX, those payments were not reflected correctly and caused overdraft fees and late payment on the account. In XX/XX/XXXX, again, they show a late payment when the payment was made on time and reflected one day late. If you note on their terms we have the ability to change that withdrawal date. 
I was not notified that it would not be honored in XX/XX/XXXX. Also, they state in the paperwork that they will notify the persons responsible for the loan if any ACH is not honored so we could have an opportunity to correct that problem. That did not happen on any of the cases. 
I have called, written, spoken to supervisor to notify them and they just respond with a generic letter. 
Therefore, I would not only like my case looked into, but the practices of this company. 
WE are at their mercy to say if I called, or did not call. Perhaps, call logs might be retrieved as my communications have been more than several. 
I incurred hundreds of dollars in overdraft with Cash Call and I should not be marked on my credit report at all when I called to change the ACH debit dates as well as their lack of communication on letters they state were sent. I would like proof of those demands, as that is what they ask of the consumer, proof we paid and when. 
Thank you for all of your assistance.
Product: Credit reporting or other personal consumer reports

I am writing regarding the debt associated with Citi home Depot Credit Card. This debt is listed under my father, but I am only an authorized user on the account and have never used the card. 

Please review the account details. I request that this debt be removed from my records as it does not reflect any financial responsibility on my part. I Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was leasing car ( XXXX XXXX model XX/XX/XXXX) from Nissan Motor Acceptance corporation. My lease was ended in XX/XX/XXXX. At the end of lease, I contacted them for end of lease instructions by phone. Nissan customer service said they will send Extension of lease agreement, I have to sign, they will give 3 payments waiver. I received mail, i signed extension agreement. As per Extension agreement I did not paid 3 months. Nissan reported to 3 credit bureaus 60 days payment late. I contacted Nissan they credited into my account. But they not responding to my request to Late payment removal. I am unable to rent apartment, employment credit checks, credit card extenions because of credit profile of Late payments from Nissan on my 3 credit bureau proflile. Please kindly help in procedure. I have copies of extension lease agreement, payment history. I was never late as 3 payments are waiver as per agreement, Nissan itself credited themselves these payments then why I am late when payments are waived as per signed agreement. Thanks!
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 filled to take timely and effective measures to prevent and address fraud on their platform, in my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, they did not comply with error, resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress to these violations.