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

I have documentation showing that OneMain Finance has reported inaccurate information to XXXX, negatively impacting my credit score. I filed a dispute with XXXX but did not receive a satisfactory resolution. 

OneMain Finance was paid in full as part of my debt consolidation agreement with XXXX XXXX XXXX. I have a letter from OneMain Finance dated XX/XX/year>, regarding account number XXXX, confirming that the debt was settled and showing a XXXX balance. However, XXXX inaccurately reports that OneMain Finance reflects an outstanding balance, first noted as {$1.00} and marked as 120 days delinquent. Today, XXXX reports an overdue balance of {$8600.00}, indicating the account as more than 120 days delinquent. 

This information is incorrect and continues to affect my credit score. My debt consolidation payment of {$4300.00} was made on XX/XX/year>, as part of the debt settlement. I request that XXXX update my credit report to accurately reflect this account 's settled status.
Product: Checking or savings account

I went to open a bank account with bank of America and i was denied access. when i inquired about the reason i was denied, the bank teller told me i had committed fraud with a previous account, also because i have outstanding balances with other banks such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX The banks listed above never notified me that they were going to report this information to any consumer reporting agency 's. and the information they reported was not accurate per the FCRA. I am a struggling XXXX  who needs access to his bank account to get my life back on track mentally and financially, this denial hinders me from moving forward in life being blacklisted by the banking system whom I've lost trust in with limited access to credit, loans etc. failure to remove this information will result in me seeking legal remedy
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX, ( XXXX ), 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 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 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

A collection account mysteriously appeared on my credit report in the amount of {$2400.00}, after I filed a claim with the CFPB about a collections account from the same credit reporter that again was not attributable to me. This looks to be retaliation for using my rights in filing a CFPB complaint against the collection agency in question.
Product: Checking or savings account

On XX/XX/year>, I wired {$1500.00} from my Chase personal checking account to my newly-opened XXXX XXXX XXXXXXXX personal checking account. The transfer was done in real time so it went through within seconds. The proof of the transaction was my decreased account balance and an email from Chase stating that the transaction was successful. The next day, XX/XX/year>, XXXX XXXX XXXX sent me an email stating that my account balance was low ( it was XXXX ). I reported this to Chase and they said they would investigate the matter. About two days after I reported the matter to Chase, I discovered that I used the incorrect routing number for the wire transfer. XXXX  XXXX XXXX has two routing numbers and I chose the incorrect one, although I did not make a mistake with the digits. I reported this matter to Chase with the hope that this new information would help them in their investigation. When I called Chase on XX/XX/year> to follow up, they informed me that based on their investigation the transaction was successful and that they could not refund my money. There was nothing else that they could do and that I would have to take up the matter with XXXX XXXX XXXX. I called XXXX  XXXX XXXX and they said that there was no evidence of the transaction on their end and for that reason they could not help me. I would have to go back to Chase. So, neither bank wants to take any responsibility. In the meantime, my money had disappeared and neither bank would or could trace it. In this day and age of electronic banking that these two banks promote, I find this whole situation unacceptable and these banks operating unethically. It behooves them to help their customers when their instruments FAIL. They have the wherewithal to trace my money but they refuse to do so.
Product: Debt collection

I have no clue of this debt I have never agreed to this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is showing on my credit report accounts that have been removed or not properly verified. 
XXXX- is an account that was disputed and deleted according to communication i received from equifax . 
XXXX XXXX XXXX XXXX XXXX are both unverifiable accounts that equifax refuses to abide by the law and remove the attached letter will show that equifax agreed to remove XXXX  from consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Company In Violation ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX Shown on Credit Report ; Original Charge Off Balance XX/XX/XXXX : {$14000.00} Balance Shown on Report XX/XX/XXXX : {$18000.00} Highest Charge Off Balance XX/XX/XXXX : {$23000.00} Hello CFPB, XXXX XXXX has continued to add INTEREST to the charged off balance on my credit report. I called and asked XXXX XXXX if they could report the correct information base on our payment agreement and they REFUSED. XXXX XXXX has refused to report the correct information on my credit report. This has caused my credit score to drop. Additionally on XX/XX/XXXX XXXX XXXX added a UNAUTHORIZED inquiry to my credit report which was later removed. 

On XX/XX/XXXX I entered into payment agreement with XXXX XXXX to pay the debt as stated in the attachment. The amount shown on the letter is for {$17000.00}. I paid XXXX XXXXXXXX a LUMP SUM of {$5000.00}. I have made 4 monthly payments of {$100.00}. XXXX XXXX still has INACCURATE information on my credit report. The current balance should be {$11000.00} as of XX/XX/XXXX
Product: Student loan

I am enrolled an income based repayment program. I work for a XXXX and my XXXX completed the public service loan forgiveness application in 2014. I have been making payments since that time. I renew my IDR annually and I ask how much longer until my loans are forgiven at that time. Last year I was told 6 years, this year I was told XXXX years! I spoke to a supervisor XXXX XXXX who stated I was enrolled in an income based repayment program but never the Public Service Loan Forgiveness plan and XXXX doesn't even handle that type of program.
Product: Credit reporting or other personal consumer reports

I have requested the removal of the XXXX XXXX card that Im listed on as an authorized user from XXXX and Transunion. This information is also listed on XXXX XXXX. The information hasnt been removed. This is causing my debt to income ratio to reflect improperly.
Product: Money transfer, virtual currency, or money service

I was selling a locker on XXXXXXXX XXXX and the person messaged me on XXXX XXXX asking about it. They said that the only way they could pay was with Zell when they sent me the {$200.00} on XX/XX/XXXX I said that was fine because my bank uses that but then I received an email that said they needed to send an additional {$200.00} so I can get my money but I needed to send them the {$200.00} back after my account was made I tried multiple ways to send them the {$200.00} including Zell XXXX, and finally sent the money via XXXXXXXX XXXX when I sent the {$200.00} I received another email from Zell stating I needed to send {$500.00} so I can get my money but I had to send it in increments of {$200.00} {$200.00} and {$100.00} so again I did this through XXXX XXXX and received another email stating I needed to send {$1000.00} at that point I knew this was a scam and I was telling the person that it was a scam but they were adamant I needed to send {$1000.00} which I did not. I have tried disputing this through my bank, and through XXXX XXXX, without success, Zell will not help me either even though they were the original people please help me getting my money back. I am out {$600.00} due to the {$100.00} never went through my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Checking or savings account

Dispute with my bank and bank refuse to refund {$410.00} and Legacy credit refuse to refund no services have been done. This credit service never gave service they lied about services been done. Legacy continues to charge my account and my bank Truist refuses to refund my account and its clear I have been scammed. They lied that they contacted me and have rendered service. They refuse to send info showing they completed service like letters promised. 


Company : XXXX XXXX XXXX and XXXX Number : ( XXXX ) XXXX Truist Bank XXXX Supervisor fraud department
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

I've recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Debt collection

Calvary Portfolio Services placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for you to assist me in removing this bankruptcy from my credit report. I never filed for XXXX and this is not mine
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$25000.00}
Product: Debt collection

On XXXX XXXX Portfolio Recovery placed a collection debit on my credit report with XXXX and XXXX for the amount of {$1000.00}. I disputed the item the same day ( XXXX XXXX ) and requested ( in writing ) Debit Validation Letter via certified mail. I also called Portfolio Recovery and they could not verify me in there system. I sent an email attachment of the XXXX XXXX XXXX to the dispute department for Portfolio Recovery. All my efforts in requesting the Debit Validation has been to no avail. As of today Portfolio Recovery has not responded in verifying this debit.
Product: Mortgage

I applied for refinancing with Loan Depot and after considerable discussions of numbers, agreed to accept their refinancing offer to consolidate my first and second mortgages. The loan was closed on XX/XX/2018. My Truth in Lending Statement listed all appropriate charges including a shortfall in my escrow account with my primary mortgage holder. I did not resend the loan within the three day window available to me. On XXXX the XXXX I received a phone call from XXXX XXXX with Loan Depot saying that their closing documents were incorrect and demanded an additional {$1900.00} from me. XXXX was threatening telling me that I need to beg, borrow or charge the amount he said was outstanding if I did not pay this amount of money he threatened to " UNWIND '' the transaction in its entirety. When I asked him what exactly " UNWIND '' meant, he said he would go talk with his supervisor. I waited for his return call and ended up having to call him again today XX/XX/18. He advised me that his supervisor said that they would begin unwinding the transaction. I have checked with my second mortgage holder and the loan has been paid in full. In addition there were credit cards and other debt that was paid off with the proceeds. My primary has not been paid, is now delinquent and incurring late charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit with XXXX XXXX XXXX where all the payments were automatically discounted from my bank account. All the payments were discounted from my account every XXXX of every month, XXXX XX/XX/XXXX for an amount of {$470.00}. On XX/XX/XXXX I went to the XXXX dealer to change my car and they specifically asked me to not pay the XXXX payment because they will do a new contract and account for my new car. I kept receiving calls from XXXX XXXX XXXX even in XXXX, so I paid on XX/XX/XXXX the amount of {$470.00}. Not even 30 days after my billing day in XXXX. Even after I paid I kept receiving calls from XXXX XXXX XXXX and I found out that they didn't record my XX/XX/XXXX payment, even when they discounted automatically from my account. They never recorded that payment and that's why they thought I was late in XXXX, even when I paid before the XXXX that I was supposed to. My last payment was on XX/XX/XXXX, and XX/XX/XXXX. My billing day was XXXX XXXX and I pay only 22 days later because XXXX XXXX told me to not pay. Either way, I made the payment and it wasn't late. I know that I have 30 days to pay and then I will receive a warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out my second letter to Experian to remove personal information off of my credit report. According to the fair credit reporting act 1681 I have right to privacy. Also 15 US Code 6802 It states that no financial institution can disclose my personal information to any third party. 



These are clear violations of my federal protected consumer rights
Product: Debt collection

1. I never received a notice via phone or mail regarding debt collection.

2. I made an online dispute with XXXX requesting validation of debt letter be sent to me via mail within 30days. No response.

3. Requested documentation that the furnished sent to the credit bureau validating I owe the debt. No response. Non compliance.

4. Multiple letters sent to credit reporting agencies specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Request information regarding debt. XXXX has been non complaint, I have made many attempts requesting documentation. 
5. Sent a letter to the furnisher and the address listed on the credit report with Credit bureau incorrect. My letter came back as returned to sender. Which is an inaccuracy on my credit report.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been trying to set off my PayPal account ever since they closed it and transfer to recoup everything to the principal account not the general which PayPal keeps stating about but the principal account which I am the beneficiary of when they use my social security number they know that they were using my estate funds I have been trying to address this matter for quite some time truth and Lending act Fair freedom of information act and several other consumer violations are made when assets are kept and not transferred to the principal account which I have stated to PayPal I want offset it and resend any contract that I had with them to recoup
Product: Mortgage

I was previously in a Covid Forbearance with my mortgage lender, XXXX XXXX. I requested to come out of the Forbearance and was offered three options. The option I chose was modification which was the best for us in terms of monthly payment going forward. I chose this option without knowing that there would be an indicator placed on our credit as if we defaulted or did not play by the rules. The modification credit indicator may not allow us to take advantage of lower rates or other refinancing opportunities going forward. Even though we were never late on a loan payment before or after the Forbearance, we are being punished it seems. We were not warned that taking the modification option would negatively impact us for at least the next 4 years according to XXXX, XXXX XXXX. We applied for a loan through them and were told they could not help us because of the modification indicator on our credit reports. This will be a huge negative for many consumers as I'm sure many who have taken this option were not properly advised of the negative impact. During Covid, legislation and rules around mortgage loans have changed several times and I'm sure lending institutions are not managing loan programs uniformly. Can someone please reply back to me confirming that what happened to us was proper. If it was proper, I believe many consumers will be negatively impacted by this rule that seems to be resulting in unintended outcomes.