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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Hello! I have noticed multiple inaccuracies with addresses that are reporting to my Experian credit report. These addresses do not appear on the other major credit bureaus - XXXX and XXXX. There are family members who share a similar name as mine. Creditors may have entered my name incorrectly when requesting my credit report. 

There should only be one address reported to my consumer file. There are multiple addresses that have been reported to my Experian report that I do not recognize. Experian refuses to remove them.

These negative items do not meet FCRA reporting requirements. Private documents or anything being sent on my behalf to these addresses that Im not living there is in violation of my privacy. By being in violation of my privacy, its a violation of 15 US Code 1681 ( 4 ) and 15 US Code 1681 ( A ) ( 2 ). I do not recognize how and why this is reporting. These need to be deleted immediately. I am demanding deletion from my consumer report or else I am going to pursue litigation.
Product: Checking or savings account

An out of state credit union has withdrawn {$8000.00} from our business savings account and Wells Fargo XXXX Colorado on XXXX XXXX refuses to do the 10 day investigation as to why an unauthorized amount to be deducted from our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX - XXXX ; XXXX XXXX XXXX ; XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX XXXX XXXX ; XXXX  - XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX - XXXX ; and XXXX XXXX - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information on my credit file with equifax since XX/XX/2022. Equifax has unverifiable information that is inconsistent across all three credit bureaus, and they are refusing to investigate my claim. I forwarded to Equifax on XX/XX/2022 certified return receipt with signature proof delivery. Equifax representative received my dispute on XX/XX/2022. The tracking number is XXXX. Equifax received the below dispute regarding how they can report inaccurate information on me, that is defaming my character. I forwarded the below documentation to Equifax, and equifax closed the dispute on XXXX XX/XX/2022, and dismissed my dispute as frivolous. I am showing equifax that their information although has been investigated, that the information that is reflected on my credit report is INACCURATE. According to the CFPB and FCRA credit reporting agencies must report accurately all information regarding the current status of accounts, or it can not be reported. I have shown equifax what is inaccurate that is coded via their metro 2 compliance software. Additionally, equifax has decided on the four accounts that are being disputed to a ) report multiple charge offs which is inaccurate for a single account, 2 ) they refuse to report the good payment history that was established with the disputed accounts, and only will report late payments and charge offs. This is defimation of my character, and I am going to be filing a complaint with the XXXX and the attorney general of texas in tandem with this complaint. 

Equifax is breaking the law and only is reporting inaccurate negative information, and none of these accounts show positive payment history. This information is inaccurate and is not in accordance with the FCRA. Equifax needs to fix this immediately. I am following up with this complaint with the Texas AG.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is an identity Theft Report with fraudulent accounts reporting on my TransUnion credit report. And listed below TransUnion Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$840.00}
Product: Credit card or prepaid card

I was in the market for some appliances and when searching for them I was told I could buy them on the sears credit card a t zero pe rcent interest. It turns out that it was n ot zero p ercent interest but rather it was deferred interest. I was hit with almost {$500.00} in interest in  XXXX  and just came of find this out after wondering why this account still had a balance. I looked through my  XXXX  statement and it looked like an ordinary statement nothing that specifically called out to pay the remaining balance on the account.     I ca n't pay an additional {$500.00} when I only owed {$180.00} on the appliances I bought prior to being hit with these ridiculous interest.     Their store associates need to be clear about how they are explaining these interest plans between deferred and zero interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Employee ID : XXXX XXXX Customer Care Center Supervisor Navient This is false representation and defamation. She needs to be fired. She had made false statements. And this is negligence and false statements. I have faced damages, and losses from thus malicious fraud. She needs to be fired, she is making fraudulent statements and misrepresentation of NAVIENT. I am suing her and NAVIENT
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to a Charge-Off, Written-Off Amount, and Balance Amount appearing on my personal credit report for XXXX BANK XXXX XXXX XXXX I recently received notice in a letter dated XX/XX/XXXX, from DNF ASSOCIATES LLC that a FORM OF ASSIGNMENT AND BILL OF SALE closing date occurred on XX/XX/XXXX. Which also acknowledged in the FORM OF ASSIGNMENT AND BILL OF SALE that the closing date for Pools shall be on or about XX/XX/XXXX. 

XXXX BANK XXXX XXXX continues to update and modify the Charge-Off, Written-Off Amount, and Balance Amount in violation of 15 U.S.C. 1681g. XXXX BANK XXXX XXXX continues to report a Charge-off, Written-Off Amount, and Balance Amount at the same time that would be inaccurate, false, and incorrect. While at the same time, DNF ASSOCIATES LLC alleges to be the owner of a FORM OF ASSIGNMENT AND BILL OF SALE closing date that occurred on XX/XX/XXXX. Yet, DNF ASSOCIATES LLC failed to validate how debt is owed by me to XXXX BANK XXXX XXXX in a contractual agreement that expressly identifies my full social security number and accurate signature. DNF ASSOCIATES LLC fails to validate the specific form of assignment that carries the contractual agreement with it. 

I dispute that XXXX BANK XXXX XXXX is my original creditor and that XXXX BANK XXXX XXXX is my creditor past or present. I further dispute that DNF ASSOCIATES LLC is my creditor or current creditor and dispute that DNF ASSOCIATES LLC holds enforceable security interest to collect on a debt in their name as my creditor. DNF ASSOCIATES LLC is not my creditor and should be removed from my credit report as my creditor. 
DNF ASSOCIATES LLC failed to timely validate the debt that is alleged to be owed to XXXX BANK XXXX XXXX. DNF ASSOCIATES LLC has no right to collect any debt for this account from XXXX BANK XXXX XXXX that was transferred or sold. XXXX BANK XXXX XXXX through admission from DNF ASSOCIATES LLC of a FORM OF ASSIGNMENT AND BILL OF SALE has no right to report any such Balance Amount on my personal credit report. The Charge-off, Written-Off Amount, and Balance Amount are incorrect, inaccurate, and false reporting.
Product: Credit card

I contacted XXXX XXXX XXXX XXXX XXXX XXXX about my card ending in XXXX asking when will my payment be available and was told in XXXX business days. Once I saw the payment wasnt available for use on my credit card, I contacted them and was told the account was closed because of possible fraudulence. When I asked who reported fraud, I was told they wasnt sure if my new mailing address was fraudulent which didnt make sense. So, they closed my account. 

I would like this information removed from my credit report and any remaining balance. I find it odd they closed it on XX/XX/XXXX reporting my account as a loss when I had been paying on time.
Product: Checking or savings account

Please help as soon as possible! On XX/XX/XXXX we deposited {$23000.00} at Truist Bank in XXXX  XXXX. It was a cashiers check from XXXX XXXX XXXX XXXX XXXX. It's all the money that we had to live and pay bills with. They froze our account for three weeks and closed our account against our concerns. They finally returned two checks totalling {$700.00}, on XX/XX/XXXX from a seperate deposit. 

We still have not recieved our {$23000.00} - and, we are desperate! We're racking up late payments and treatning letters. 

The XXXX XXXXXXXX XXXX XXXX stated that Truist only had to call them to verify the funds. They refused! 

Sicerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2023 I transferred my tesla lease to another assignee. I closely followed XXXX XXXX instructions along the way. I had a XXXX car registered in XXXX. I asked Tesla whether I need to return the XXXX XXXX and tesla 's answer was no ( see attached email exchange with Tesla Finance customer service ). Fast forward to one later, I was trying to get another lease weekend and when I was updating my insurance, I realized that my NY driving license is suspended. I researched further the issue and my license suspension is related to Tesla lease transfer. As a matter of fact, my license has been suspended because of the insurance lapse resulting from the fact that Tesla instructed me to not return the license plates to XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, State Zip : XXXX, Il XXXX Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Cloarly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Crodit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate 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 however, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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, credit repair services, or other personal consumer reports

Original company : XXXX XXXX XXXX {$94.00} ) Debt Collector : XXXX XXXX XXXX Reason : XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left Pennsylvania 4 years ago and this charges showed up recently. I am single divorced mom with XXXX young children.
Product: Checking or savings account

On XXXX I opened a merchant dispute with my bank due merchandize not received. The bank never requested any information from me to conduct the investigation and chargeback request to XXXX network. 
In 10 days the bank denied the claim without supporting any evidence that the purchase was sent or delivered. 
Attached goes the Invoice and order receipt that shows that the merchant must sent the items to my home. 
I sent the attached documents to the bank but it looks like nobody took care about.
Product: Credit card

I was baited on XXXX into online casinos. I signed up stated my address as minnesota not knowing at the time online casinos including sweepstakes casinos are illegal to allow minnesota players. As stated on mn dept of public safety " Yes. In Minnesota, online sports betting and online casinos that operate over the internet and accept money from residents are considered illegal. This includes websites that are based outside the United States to avoid laws and enforcement measures. Participating in online gambling on these sites is a violation of law and raises significant consumer protection concerns. '' Every website states void where prohibited. I have requested the charges reversed both from the casinos and the credit card. The credit card company did until they provided that I actually purchased it. Which was never disputed. The casinos say they are in the right. Then the ftc states " This Act prohibits any person engaged in the business of betting, as defined, from knowingly accepting credit, electronic fund transfers, checks, or any other payment involving a financial institution to settle unlawful internet gambling debts. The Treasury Department and the Federal Reserve Board must develop jointly and prescribe regulations requiring payment systems to identify and block or otherwise prevent or prohibit the acceptance of payment for internet gambling transactions. '' In Unlawful Internet Gambling Enforcement Act. Right now I'm out thousands from capital one and XXXX XXXX.

Below are the casinos XXXX XXXXXXXX XXXXXXXXXXXX XXXX  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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( 1 ) A person shall 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX XXXX Account number : XXXX You have this account balance as {$1400.00} but the current account balance is {$3.00} We are at the end of XXXX and on the XXXX of XXXX you undated my credit report showing am owing {$1400.00} which is not correct,. you had a correct report and then updated it to false report. Also I earlier filed a complain about you assigning 2 incorrect addresses to me which i have never lived there. 
you assigned this addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To the best of my knowledge I have lived in 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED LAST XX/XX/2021 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 62 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Student loan

When the student loan interest forbearance started in XXXX of XXXX I had {$23000.00} in subsidized loans owed to Edfinancial. On XX/XX/XXXX of XXXX I made a payment of {$5500.00} and then again on XX/XX/XXXX of XXXX I made another payment of {$5500.00}. I then had {$12000.00} remaining in loans to be paid. 

Under the CARES Act I should be able to request a refund for those payments I made to Edfinancial and on XX/XX/XXXX of XXXX I called Edfinancial to request a refund of {$8000.00} from the {$11000.00} XXXX paid since XXXX of XXXX. Edfinancial has put the refund into their system but offers no confirmation of that refund so I have so record of the request other than when I call and the customer service rep manually looks in their system. On top of that, no rep that I spoke to was able to give me a timeline of when the refund might be processed, when my new balance would show up in my account, or when I might actually get the refund. 

From looking at what others are saying online, the reps that do give a timeline are saying that the refunds will take up to XXXX days and they also get no email or paper trail confirmation. If that timeline is true ( which again I can not confirm because I was never even given a timeline ) it seems insane that it would take that long given that the CARES Act passed 2.5 years ago. When I pay them the money is out of my account within a day and yet when I request back money that they are legally required to return to me all they do is shrug and say you'll get it at some point I guess.
Product: Debt collection

On XX/XX/2018 I received an email from XXXX XXXX XXXX XXXX claiming I owed them {$1400.00}. 

They have placed a collection on my credit report for that debt 5 years after I allegedly lived at this location. 

The company has sent me several emails that attempt to make me settle or continue to have my credit score impacted. 

I informed them I am disputing this debt and make no claim that this debt belongs to me. They refuse to remove this debt from my credit profile in an attempt to collect this debt that I have made clear that I DO NOT OWE.
Product: Credit card

Despite being paid in full, Synchrony Bank continues to report to XXXX, XXXX, and XXXX that I have an unpaid balance with Lowes. I have a paid in full letter from Synchrony Bank, and have sent a copy of this letter to the credit bureaus, but Lowes simply will not allow this account to update as paid. Synchrony Bank is holding my credit file hostage by not reporting accurate information.
Product: Vehicle loan or lease

I try to reach out to global lending service multiple times to even speak to some form of manger ... As much as I tried to pay ahead, I could never get a hold of somebody to pay towards a principal. If feel this is a predatory loan... adding up to what I paid and balance never moves. I also can't find match the XXXX XXXX  I gave XXXX XXXX as a deposit. They were the ones who set me up through Global lending service. I don't even get emails ( last on was XXXX XX/XX/2022 from this place except for one weird one stating account closed but yet I keep paying more and more! Please help!!!
Product: Debt collection

As a result of identity theft and credit card fraud XXXX XXXX rescinded 2 months payments when I tendered a paper check to XXXX XXXX they refused to cash it and what has happened since I believe has been predatory and nefarious https : XXXX
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 failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX {$2700.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$2800.00} XXXX XXXXXXXX {$16000.00}