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

Submitted an investigation to Equifax on XX/XX/XXXX ( attached ) re : XXXX XXXX XXXX reporting incorrect information on my credit report. On XX/XX/XXXX, I entered the confirmation number to check the status of my investigation online. It stated that I had no pending investigation. I then called customer services and spoke to an XXXX person, whom I kindly informed that she could not help me. I asked to speak to a manager. The manager checks to see if there were any pending investigations. I offer to give her my confirmation number. She informed me that the investigation had been completed and the results were emailed to me on XX/XX/XXXX. I informed her that I had not received an email and even if that was the case I should be able to retrieve my report online once I enter the confirmation number. I asked her about the results which she claimed that there was nothing they could do about the incorrect reporting by XXXX ( which I submitted ). Once I explained the circumstances to her she claim that Equifax does not have a history of my credit report history. She then stated that she would mail me a copy of the investigation report which I would received in about 7 to 10 days. She then stated that she would resubmit my investigation claim. I inform her that I would resubmit it myself. I am only having this discrepancy with Equifax. I do not have this discrepancy with XXXX or XXXX. I tried several times to enter the confirmation number for the dispute and it tells me that my information does not match. As of today, I will also be resubmitting my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB team. 
XXXX XXXX, XXXX  and XX/XX/2023 I did a pre-approval and check my rates.On their website states that " Checking your rate will not affect your credit ''. I was approved, followed by hard inquiries and then they send me denial emails. I would not accept an offer if I would not be approved. In my humble opinion this is not a fair transparent pre-approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my credit without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

PDQ Services responded a day ago and said that the social matches the account but it 's not an account I opened nor I am aware of. I did n't not apply for any credit and I do n't know what PDQ is. I asked PDQ Services to send any documents pertaining my signature because I wanted to see. 1. First of all they failed to send me any documents but they verbally verified the account. 2. You ca n't verbally verify any accounts without any paper work. 3. The account is fraudulent. 4. I feel that PDQ is discriminating me by forcing the account on me. 5. Someone used my social security number to open up this account.
5. I am demanding a reinvestigation or need any documents or paper trail with my signature on it. If you do n't respond back with any documents with my signature not a bill. You must remove this account and for any reason this account is n't removed under any circumstances, I will file a law suit immediately against PDQ Services for discrimination, damages you 've cause to my credit. Falsely accusing me with someone else with the same name XXXX XXXX. 6. XXXX, XXXX must remove this account immediately or else I will file a civil law suit against them as well for engaging in a false verble agreement to verify a fradulent account, and all the above numbers. This is very disappointing and I feel that this is discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was paid in full and still impacting my credit negatively and I have asked multiple multiple times for it to be removed and its never removed from Experian, XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

There is a hard inquiry on my credit report from the company CBNA/THD XXXX XXXX on XX/XX/XXXX that i have no knowledge of at all I didnt have anything to do with and Im really concerned and worried about my credit and personal information.
Product: Debt or credit management

Debt collector of XXXX XXXX XXXX  mobility, which was a third-party try to collect a debt that I had no knowledge of I have been a victim of identity theft
Product: Checking or savings account

Bank of America is withholding and delaying my direct deposit arbitrarily or in an attempt to make money off of the interest. I'll explain. 

I have been a Bank of America customer for 20 years, and an employee of the XXXX XXXX XXXX XXXX for 9 years. I get paid a state issued wage via direct deposit on the XXXX at XXXX or earlier if it's a weekend or a holiday. I also get a mid month overtime state issued check wages, sometime between the XXXX and the XXXX. Bank of America says the deposits are usually available next day, usually XXXX before XXXXam, no later than XXXX EST. 

However, I'm finding over the last XXXX years, and specifically the last month and this month ; Bank of America is holding my mid month overtime check for XXXX days. Last month, it was 5 days. This month is 2 days and counting. 

I have repeatedly complained, and have spoken to several people via email and over-the phone ; they just tell me that direct deposits are held if they're not sure about the sender. That's not truthful, I work for the XXXX government and have done so for 9 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I looked at my credit report and noticed an account with Toyota Motor Credit did not look correctly reported. I started by writing to credit bureaus to investigate the matter but it always kept coming back verified. 

After sending several letters to the credit bureaus and getting no where, I wrote directly to Toyota Motor Credit. My first certified letter was sent on XX/XX/XXXX. I did not receive a letter or any statement from Toyota Credit Motor. After no response, I wrote another certified letter on XX/XX/XXXX to Toyota Motor Credit. They still sent no information to me about this account. 

I wrote back to the credit bureaus on XX/XX/XXXX to inform them that I have been reaching out Toyota Motor Credit and they have not sent me any information about this account and requested that it be removed. I received an update from XXXX stating that the account has been updated with updated information. After looking at the report, there was no information updated on it. I am not sure how the credit bureaus were able to get information from this company, but I have not received anything. For 3 consecutive months in XXXX, its reporting that this vehicle was repossessed each month. I am not sure how a vehicle is picked up for 3 consecutive months without any communication to the account holder. 

I would really like your assistance with this account. At this point, I would like to have the account removed from my credit report.
Product: Checking or savings account

I have a checking account with Regions Bank, my roommate has account with Regions Bank. 
I receive my roommate check on the 3rd of each month for rent. They have one Region Bank in XXXX, so it is very busy. So i asked Regions Bank if they have online deposited. 
Well i went online to deposited the check into my account so i can pay the rent, it comes up 10 % fee to get the money immediately. That would cost me {$100.00} when we both use Regions Bank. Groceries have gone up, Medication gone up and gas as gone up. i been with this bank for many years, i cant understand why they are doing this with Covid 19 when so many people are struggling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information accuracy with the credit bureaus in regards to the accounts that are being furnished from XXXX XXXXXXXX XXXX. I received notice from XXXX XXXX XXXX and Experian, XXXX, and XXXX that the information was indeed accurate. 

I recently received a notice electronically that shows the information is still inaccurate and I'm now challenging the validity of the debt in question, since I have never lived in the state of XXXX XXXX The notice is addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  My personal information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

CFPB COMPLAINT FOR REMOVER EVERYTHING INFORMATION Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against Experian, XXXX, XXXX, regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX 2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX XXXX. Incorrect Contact Information : The phone number is XXXX, please be updated as my primary contact number.

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill
Product: Credit reporting, credit repair services, or other personal consumer reports

If I wan na get loan the credit card companies give me hard Inquiry in my credit report and credit score. 
Why? 
I wan na buy something like phone for example when I check if they accept me for payment already my credit score get down
Product: Money transfer, virtual currency, or money service

Date of Original Venmo transfer : XX/XX/XXXX : My dad Venmo'ed me {$750.00} to help me pay for a flight to visit him. When it came to my account, it was marked as " goods and services '' and asked for my Tax ID. I immediately reached out to Venmo to correct this error. We were told by Venmo there was an issue with the algorithm, and that they would reverse the payment because this was not supposed to be marked as " goods and services. '' XX/XX/XXXX : I receive a 1099K from Venmo listing the {$750.00} ( this had been reversed ). I reach out to Venmo to see why they had given me this form. The first person I spoke to told me not to worry about it. When I asked for an email confirmation that I don't need to worry about it, she emailed with unrelated information. I called again, and got the response ( attached in supporting documents ) saying that I should not have been sent the 1099K, and they were working to correct it. They said they had never seen this happen before so they sent the case to engineering to see what had happened. The second attachment shows another transcript with Venmo explaining the engineering issue. I spoke to several other customer service representatives who all told me different things about the case, which was very confusing. Finally the engineering team determines that it was my dad 's fault, and that he must have accidentally pressed this option ( contrary to other venmo team members prior saying that there was a mistake with the algorithm ) and that I would have to speak to a tax specialist ( on my own dollar ), and that they refused to amend/correct the 1099K. When I said that I can not afford a tax specialist, and asked if they would reimburse for the charges that correcting this mistake would cost, they refused. Venmo admitted fault in the first two exchanges, in XX/XX/XXXX and Tuesday XX/XX/XXXX, and then when it became more problematic to resolve they switched the blame on myself and my dad, causing us to have to pay to get it fixed by a tax specialist.
Product: Credit reporting

I 've disputed a tax lien that was placed on all of my credit reports. Submitted the police report number and letter of expungement from the state of XXXX. It 's also on case.net as being expunged. It was originally placed due to identity theft. XXXX removed it immediately. Transunion and XXXX refuse to remove the item. They are instead, reporting it as paid. I 've made the dispute with each five times now. Besides, how can I have a tax lien on a property I do n't own in a state I do n't live in? I am from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient continues to report one of my two accounts with them as Pay Status : Account included in Bankruptcy and Remarks : Chapter 13 Bankruptcy. Both were included in a Bankruptcy almost 10 years ago. My understanding is that the information should have been removed after 7 years of being filed.
Product: Vehicle loan or lease

2 weeks after i purchased the vehicle in XXXX 2014 the motor blew up. I then had to take out another loan to replace it even tho i purchased a warranty which was denied when i was trying to have the vehicle fixed.Neither the dealership ( XXXX XXXX XXXX in XXXX al ) or the finance company ( lendmark financial ) resolved the issue. I was told it was my responsibility. I have nothing but issues with this vehicle. I have been behind because of the issues with the vehicle. The solution was for the finance company to rewrite the loan so i could pay for it or not fall behind. I stiil owe thousands more than this vehicle is worth so i cant trade it it. Pretty much they point their finger at the other company and tell me its my problem.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX TU : XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

On XX/XX/2019 at XXXX, I was contacted by Portfolio Recovery Associates regarding a debt. I confirmed with them that they were speaking to XXXX XXXX, but did not live at the address provided. I told them not to contact me again about this debt On XX/XX/2019 at at XXXX, I was again contact by Portfolio Recovery Associates regarding a debt. I confirmed that they were speaking to XXXX XXXX. When I asked what company the debt was with, they refused to provide any information. I let them know I was going to file a complaint with the CFPB if they did not stop contacting me because I do not live at the address that they stated on the phone. 

If this debt is related to XXXX XXXX, I filed a previous compliant with CFBP against XXXX  and their debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX in compliant XXXX. 

I am also trying to find out how they are getting my personal phone number.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for and was approved for a line of digital credit by PayPal called " PayPal credit ''. The advertisement from PayPal was a 6 month promotional period to pay off any purchase of {$99.00} dollars and up with no interest. I made a purchase that same day online which came to {$110.00} dollars, and it was by a company called XXXX XXXX XXXX XXXX. When I made the purchase I then logged a day after to my PayPal account to check the balance and a message ( included ) that the terms have changed and that regardless of the promotional period of paying the balance in 6 months, a minimum monthly payment would be applied. I did not immediately see any problem with this since a bill for {$15.00} was included and of which I paid. A day later another bill for {$27.00} due for XX/XX/XXXX, and I was a shocked at this because from the disclosure I read before applying to their line of credit was never a mention about this. I was deceived with this erroneous information and today Saturday the XXXX, I called PayPal and spoke to a lady which was adamant I pay {$27.00} for 6 month ( which does not total the {$110.00} of the purchase price using the PayPal line of credit ). This is on top of the {$15.00} I paid for within a mere 24 hrs of making the purchase. I told her 6 months times the randomly {$27.00} selected by PayPal comes to {$160.00} which clearly is including interest charges. She replied that I would " not let that happen because I will pay in full ''. I said of course I will pay in full and will close the account because had I known PayPal was going to be deceitful about information pertaining to their product I would not have applied and risked a credit inquiry going to my credit report records.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I disputed the collection with the the collection agency my claim shows evidence of identity theft from a police report, and everything reported should be shown as accurate. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the listed following account with original documents/wet signatures and no screen shots. These delinquent account record is inaccurate. I also spoke with a representative and felt very threaten and harassed with the language of the rep. This is very unexceptionable, this is causing mental anguish. I request that the following account be promptly removed immediately off of my credit for Midland Credit management for XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that my credit score is going down drastically this past few weeks and i have only made improvements to my credit file : 1. My score went from XXXX to XXXX because my credit card usage went from 40 % to 56 %, then i brought my credit card usage down from 56 % to 40 % and my score only increased 10 points ( so I lost the additional 37 points! Then i noticed my score dropped again today XX/XX/XXXX down by 5 points FOR NO REASON. i looked to see if anything had changed today but nothing had changed ( i had actually brought down the credit usage ). So basically score went down by 47 points for haveing 16 % extra usahe then when it went back down by 16 % my score only increased by 10 points! and TODAY IT HAS GONE DOWN 5 POINTS WITH NO REASON AS TO WHY AS NOTHING ELSE HAS CHANGED! I logged in today XX/XX/XXXX and says my score decreased again by 5 points and there is no reason provided! 

2. I have had 2 auto loans in the past few years. The auto loan i have last year i made my payments early ( for the entire duration of the auto loan with capital one THIS WAS 1 YEAR ) but i saw no change in my credit score it never increased not by 1 point! so by making my payments on time for an entire year it made no change to my credit score. 

Again i purchased a new vehicle this year and have an auto loan with XXXX now on a different vehicle and still paying on time has nade no difference to my credit score.

3. Experian boost is a fak scam. I added 3 seperate bills ( XXXX, XXXX and XXXX ) these are all utility bills. It showed 2 payments made in the past few months and when it gets to 3 payments made in 6 months i would get a boost to my score! Once all 3 of these bills reached 3 payments made it said my score would increase for each utility bill. I got a notification that they were ready to be added to boost but all 3 bills made ZERO impact tto my score. If that is the case then why do they even have boost??? Its fake and a scam thats dishonest and untrue.. and i would like to report them as for every bill i met 3 payments its made no change to my score.

Despite paying on time for every credit card auto loan i have seen my credit score decressing monthly and there is no explanation why my score keeps taking drastic drops by 40 points in one go or 10 points in 1 go!!! 

I want experian to be investigated as something incorrect or dishonest is going on with my credit file. If i received another notificationtoday saying my score dropped again byy 5 points then they should have an explanation as to why it has dropped 15 points in 1 week as nothing changed ( i actually lowered my credit usage!! and their Experian boost is a complete fake and lie!!