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

I recently talked to Transunion and told them that I noticed that there were hard inquiries on my report that I did not authorized and no one seem to help. The following hard inquiries that I did not authorize are : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and XXXX XXXX reporting agencies in reference to inaccurate account balances on my credit report. I have done a thorough research myself and I have discovered that Equifax and XXXX did update the accounts showing updated payment dates, but inaccurate account balances. I have disputed several times in this matter. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Report. I have accounts with XXXX XXXX XXXX AND XXXX XXXX That show up closed on my transunion /equifax report, yet the accounts are open last payment was XX/XX/2021 and I'm paying them i will provide a receipt in documents I have multiple name spellings and addresses on my report as well they may be relatives yet not mines XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX town XXXX XXXX XXXX XXXX ny
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report from XXXX and have identified discrepancies pertaining to late payments on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers. 
SANTANDER CONSUMER USA Account Number : XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) AND 15 U.S. Code 1681b, it is evident there may have been a violation of my consumer rights. The law explicitly states : ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I must inquire whether I provided written instructions for the inclusions of these late payments. In my credit report. If not, it is essential to rectify this issue promptly.

Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer credit report specifies : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report.

In light of this, I kindly request the removal of the aforementioned late payments from XX/XX/year> through XX/XX/year> from my consumer report, as they may be in violation of 15 USC 1681. I look forward to promptly attention to this matter and a timely resolution.
Product: Debt collection

The first problem is back in XXXX the XXXX of XXXX I reached out to the Discover Bank and informed them of my identity thief. A credit card in the account of {$810.00} had been opened back in XXXX and closed in XXXX. I informed them that I was away at college those years and that it wasn't me that opened the accounts. I also let them know that the address associated with the card wasn't mine either. So because the criminal had access to my social and date of birth, making it seem like the account was truly mine, the company refused to take it off. Again in XXXX of XXXX and XXXX of XXXX I again informed Discover Bank that the account still isn't mine and refuses to help me with this issue. My second problem is that not only have they not assisted me with this issue but the added the fraudulent account onto my credit report as if it's a brand new negative account, damaging my credit score even more. This company is extremely rude and insensitive. I did not open this account or use this card and I need it gone. I can provide proof that I was away for school the whole time.
Product: Credit card

I initiated a dispute with XXXX XXXX via Paypal credit in XX/XX/XXXX because I had attempted to return merchandise that I ordered on XXXX XXXX and did not receive express promised by the merchant. Paypal credit disputes agent advised me to hold the merchandise until Paypal hear from the merchant. On XX/XX/XXXX, I called Paypal after receiving a denied claim and XXXX an account manager. The account manager offered a {$40.00} credit for my poor service experience and advised me to return the merchandise to the merchant at the US address the merchant provided which I did and to call back with the XXXX tracking number which I did. I called back and spoke with an account manager name XXXX and provided him with the XXXX tracking number XXXX. The merchant purposely delayed in sending me a pre-paid return label and then kept begging me to keep the merchandise which I declined every time. Fast forward, when I went to check my Paypal autopay on XX/XX/XXXX I discovered the charge for {$190.00} was rebilled back to my account. I contacted Paypal and XXXX XXXX who advised she will have to file a new dispute and I needed to provide proof. It's been over 100 days. I called back and XXXX an account manager named XXXX who was very helpful. Today I attempted to upload my documents for my newest disputes case # XXXX and Paypal secure message tab keeps giving me error messages. I got my call escalated to XXXX. She hung up on me. I want her fired!!! They do not have a streamline disputes process. XXXX XXXX have their merchandise as of XX/XX/XXXX which I paid XXXX to send. PayPal needs to be penalized for not advocating for me. This is a cut and dry case.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint letter So, on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 40 days later I have not received a response. It appears that me exercising my right to address my credit is being ignored or perhaps I'm being taken advantage of. Section 611 ( a ) plainly states that failure to investigate these items within 30 days is a reason is a reason to immediately remove those items from my credit report. it has been over 40 days so I'm assuming they will be deleted promptly. I am requesting these items be removed posthaste or I will be filing litigation due to the undue stress this matter is causing me in my financial life. I am positive that my information was also impacted by the XXXX data breach possibly gotten into the wrong hands of someone who is not me! 



This is not a regular dispute, I have filed a complaint with the FTC and the XXXX if I recollect correctly none of these items are mine. According to section 611 ( a ) states failure to investigate these items gives just cause to remove from my report within 30 days. 
So far it has been 40 days. Please help me rectify this at once! Id like to see this removed at once.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Checking or savings account

Today, XX/XX/ I submitted a XXXX transfer in the amount of {$120.00} from my BOA joint checking acct to my daughter 's BOA checking acct, as I've done several times in the past, and my transfer was placed on hold pending review. I tried another {$120.00} XXXX transfer from my personal BOA checking acct to my daughter 's BOA checking acct, and it was also placed on hold, pending review. The money was for my grand-daughter 's hair appointment. Since those two XXXX XXXX were pending, I did another XXXX in the amount of {$130.00} from my BOA joint acct directly to the hair stylist, and it was also placed on hold pending review. I called BOA on my lunch break and was on hold for XXXX minutes, so I hung up and went back to work. I called BOA again around XXXX cst and was on hold for a while until an agent finally answered. I explained the situation, and the agent promised to transfer me to a XXXX agent to try to resolve the issue. I was transferred about six times and was eventually told by a customer service agent that the hold happened because of an alert that I placed on my account. They also told me that I should have responded to the email notifications to either approve or deny the transfers. I told them that is not what the email states. Here is a copy of the statement from one of the emails : Bank of America has placed this transfer on hold so we can conduct further review. Upon completion of the review, we'll either process your transfer or contact you for more details. No further action is required from you at this time. If you didn't make this transaction, contact us The email does not tell me to contact them if I made the transaction, it says to contact them if I didn't make it. After receiving the run around from six different agents, the last agent ( who stated he was in Delaware ) promised me that he was transferring me to a XXXX agent, but my call was forwarded to customer service, again. Six times I was told that my call was being directed to the XXXX department and it wasn't. 

When I made it home, my husband tried to XXXX the {$130.00} to the hair stylist from the BOA joint checking acct. He setup a profile for her and sent the money... it was also placed on hold. So that's {$120.00} on hold from my personal acct, and {$390.00} ( {$120.00} + {$130.00} + {$130.00} ) on hold from the joint account. 

My issue is that there is NO reason for them to cherry pick which transactions they hold for review. There is no logic to it and it can't be due to an alert because in the past, I've XXXX transferred more than {$120.00} and didn't receive an alert or hold. This is bad business and poor customer service. No one could provide me with a logical explanation for holding my money. Something has to be done about BOA holding XXXX transfers. I'm prepared to take this to the next level, if needed. This actually happened a couple of months ago and I thought it was just a one off, but I see that it's not.
Product: Credit card or prepaid card

Two fraud charges made on my Google Pay account and were never removed when I reported these charges as fraud to Google. These charges were made on XX/XX/21 and XX/XX/21 and I was not refunded the {$270.00} and {$300.00}. I contacted Google after noticing these charges and no action has been taken to credit my account for these fraudulent charges. My bank card was removed from my Google Pay account and as of today no actions have been taken to reverse the fraudulent charges. The only actual purchases I made with Google Pay were the rental of two movies that cost {$2.00} and {$1.00}. After contacting Google they said my situation would be resolved by XX/XX/XXXX but I have yet to hear from them.
Product: Debt collection

I paid my past due balance in full XX/XX/year> directly to the original creditor, XXXX  XXXX XXXX XXXX in the amount of {$70.00}. IC Systems proceeded to report me to XXXX on XX/XX/year> which is a direct violation as this debt has been paid in full.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft while in a XXXX. I suffered from amnesia as well for the last XXXX. Someone stole my identity. My identity has also been involved in multiple data bridges the most recent date of breach being with XXXX. 
All three of these companies are reporting inaccurate negative information on my credit file. They keep lying saying they verified these accounts, while they only deleted XXXX accounts and lied about verfying the others. PER FCRA, UCC, AND CFR RULES, they MUST PROVIDE ME WITH ALL DOCUMENTS USED TO " VERIFY AND/OR VALIDATE AN ACCOUNT. I have a right to do process, I also have a right to arbitration on these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEE ATTACHED DOCUMENTS.
Product: Credit reporting or other personal consumer reports

The person that stealing my identity opened a credit card with XXXX XXXX XXXX  from XXXX of XXXX. Noticed this since XXXX had approximate debt XXXX XXXX I have been disputing the information ever sinc ethen and the bank was very uncooperative and unprofessional. I disputed information with the credit bureau 2 times where investigations was done poorly, however this is my 3rd attempt at disputing the information with the bureau. Apparently the person thats stealing my identity lives in the state of XXXX  which i never lived there in my life.
Product: Debt collection

Collection agency Portfolio Recovery repeatedly calls in regards to a debt that is not mine, calling XXXX times a day. The person they 're looking for has the same first and last name as mine but different social security number, etc. I have told them repeatedly that they have the wrong person, to stop calling and they continue to call anyway. 

They call from these numbers:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any Reason. Account name XXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account Name XXXX XXXX  Account number XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account number XXXX Account XXXX XXXX XXXX XXXXXXXX Company Account XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX Account number XXXX Account XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account Name XXXX XXXX Account number XXXX Account Name XXXX XXXX Account number XXXX Account Name XXXX XXXX  Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke to 3 different representatives at Experian about four accounts that was included in a bankruptcy from XX/XX/XXXX and was already reporting correctly on the credit report. I had already took a negative hit on my credit when it was filed in XX/XX/XXXX. Fast forward to XX/XX/XXXX I received alerts from Experian that out of the 16 accounts that were included in the bankruptcy, 4 of them were reflagged as a Bankruptcy and marked in the payment history as if the Bankruptcy was done in XX/XX/XXXX. When that occurred it lowered my credit score from a XXXX to XXXX, ( 15 points ). Nothing else about the accounts have changed except for the dates and Experian marking the account as a new bankruptcy. I have evidence from two credit reports from Experian one dated the XXXX of XXXX ( prior to the new alerts ) and the report after the alerts showing the damage that it caused to my score. Experian has no answer but that the lender is the one that updated it but I told them that I wanted to file a dispute for the Information because it was no reason to update information that was correct. Attached I will highlight the accounts and the problem areas that are incorrect and was changed to hurt my score negativity.
Product: Credit reporting or other personal consumer reports

In XXXX, I attended XXXX XXXX XXXX XXXX XXXX XXXX ) for three semesters. All educational expenses incurred during this period were fully paid, and there had been no outstanding debt related to my time at XXXX for decades. 

Unexpectedly, in [ exact month of the letter, if available ], I received a letter from XXXX XXXX stating that I owed a debt amounting to {$3100.00}. This claim was surprising and unfounded based on my records and understanding of my financial obligations to XXXX. To further investigate, I checked my credit report, which alarmingly listed a debt associated with XXXX for {$6000.00}. 

Seeking clarity, I promptly contacted XXXX to inquire about this discrepancy. During this conversation, a representative informed me that the debt was sent to them by XXXX. This information was perplexing as my educational expenses from XXXX were settled in full, to the best of my knowledge and according to my records. 

To date, I have not received a satisfactory explanation or documentation justifying this sudden claim of indebtedness. The appearance of this debt on my credit report and the demand for payment from XXXX are concerning and appear to be in error. I request a thorough investigation into this matter, including a review of the original documentation from XXXX that allegedly substantiates this debt, and a detailed account statement from XXXX. 

I am committed to resolving this issue promptly but require clarity and evidence of the claimed debt 's legitimacy. Your assistance in investigating and addressing this unexpected and questionable debt claim would be greatly appreciated.
Product: Credit reporting

XXXX, XXXX and Experian are all reporting incorrect items on my credit reportand to date have ignored our attempts at getting these items removed, corrected and changed?! We certainly know our valid correct legal names, where we have ever lived in forty-three years of marriage and where we have never lived or had a postal box?! Alsopublic records is reporting incorrect information on a supposed judgment by XXXXfiled in XX/XX/XXXX and no later where we have a letter from XXXX and the FDICstating very clearly that NO SUITS were ever filed. The XXXX accounts in question were charged off in XX/XX/XXXX. We think these judgments should be dropping off as we are in the seven year time frame now and that legally they should never have been filed if in fact they were as we were in a debt settlement program with XXXX XXXX XXXX in XXXX, AZ from XX/XX/XXXX and the XXXX accounts were in the program which XXXX agreed to?!
Product: Debt collection

Despite having paid XXXX, my credit still indicates that I owe them {$780.00}. I also paid the {$1900.00} I owed Bank of America on the " blue fly '' account. First, they sent BoA a check for {$1900.00}, which they later returned to me. They took this salary from my account after two weeks. 
They issued me a {$700.00} cheque after I utilized the account, which I cashed. They mailed me {$300.00} after I used {$1200.00}, and I cashed the check. They eventually took the balance owed from my account and barred it as a result of fraud. The card was never again used. They continue to insist that I owe them an additional {$1900.00} despite the fact that we previously reached a settlement.
Product: Debt collection

the policy with XXXX was never renewed due the fact of the changes on the policy. The representative of XXXX on XXXX in he city of XXXX XXXX XXXX, XXXX XXXX tripled the policy amount by including under my insurance persons I did not know and never met. This was brought to the attention of the representative as soon as XX/XX/XXXX. After the disagreement several changes were made with which did not agree still. 
After that phone communication with XXXX 's NEW assistant I walked in the office to let tem know what I did not wish to have them as my agents any further and that I was shopping other places for insurance. as a matter of fact I am insured now under XXXX and when XXXX representative XXXX XXXX fond out that I got insured Though XXXX send a false bill to TSI. Note I received the debtor 's false collection only days ago, XX/XX/XXXX.XXXX should be ashamed of being represented by thieves. 
this claim can be supported by e-mail contacts between myself under XXXXXXXXXXXX and XXXXXXXXXXXX. That might be the reason why the representative did not include the electronic communication. 

respectfully, XXXX XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX
Product: Student loan

This is in regards to the CARES act, student loan deferrment, and how my student loan provider affected my credit score while I was in the process of buying a car. I bought a new car XX/XX/XXXX. I had started looking a week before. I recieved a sub prime rate due to my score dropping 30 points because my student loan provider great lakes made inaccurate comments on my credit report. I have proof that shows the decease in my score as a result of my student loan provider. My credit score was dropped by great lakes XX/XX/XXXX, my credit was run XX/XX/XXXX and the car was purchased XX/XX/XXXX with the orginal score that was pulled XX/XX/XXXX. I also have proof of this from the dealership I purchased the car from to show the score used for my financing. On XX/XX/XXXX I see my credit score go back up to where it was before great lakes reported my loans as deferred. I have tried to contact great lakes and they tell me I should contact the credit bureau agencies as they have fixed the issue. I offered to show them proof of my claims and that was dismissed. I'm already poor and now I'm paying thousands in extra interest because my student loan provider had bad reporting on my credit report for a week. They've admitted they had inaccurate reporting but they will not admit that I was directly affected, please I hope you can help me.
Product: Credit reporting or other personal consumer reports

I Received a Notice on My credit report Regarding XXXX XXXX XXXX Ive put in multiple request to have this removed from my report theres multiple inaccuracies that have been denied no information has been provided The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am asking that you please review this account thoroughly