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

XXXX XXXX XXXX FRAUD DEPARTMENT XX/XX/XXXX XXXX  This is my FIFTH attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. 
I have summited all the required documents including : 1 ) POLICEREPORT 2 ) IDENTITYTHEFTREPORT 3 ) PROOFTHATIWASUNDERFEDERALCUSTODY 4 ) PROOFTHATIWASRELEASEDONXXXXINNEWYORK 5 ) PROOFTHATIWASLIVINGINNEWYORKUNDERXXXXUNTIL XX/XX/XXXX 6 ) OTHERDOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car when I was in XXXX XXXX and then a XXXX House and XXXX XXXX living in XXXX  XXXX New York XXXX 
My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my XXXX  and all during my time in XXXX and XXXX XXXX. He has admitted having stolen and used my identity and he is now on the run with a warrant for his XXXX 
There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX house or XXXX XXXX without having to go through my XXXX XXXX 
The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is : XXXX XXXX XXXX opened on XX/XX/XXXX, while I was under XXXX XXXX I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account. 
Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

a hard inquiry was added to my credit report from Goldman Sachs. i never applied for a loan from their company. When i contacted them, they could not find any information on my file. i gave them the last 4 digits of my social security number and they still couldn't locate my file. Two days ago i received a letter from them stating that i had applied for a loan and my application was incomplete. the letter also stated that because i had an apllication that it authorized the company ( Goldman Sachs ) to actually inquire into my credit which resulted in an hard inquiry on my file. i made another contact with the company after i received the letter. They tried to tell me that i had an application on file with their company but they did not believe the social security number was accurate. i asked them to just remove the hard inquiry from my file. They told me to contact XXXX  as it may be fraud. i only want them to correct my file to reflect what really transpired. this matter has become complex and i believe this is very simple.i need your assistance in this matter ... Thank You
Product: Credit reporting or other personal consumer reports

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


I have spoken with all three agencies, XXXX, XXXX, and XXXX and asked for an investigation and reported that these accounts contain -fraudulent activity : Account name : 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

Each year I have to reapply for Income Driven Payment plan for my student loans. My payment for XXXX was {$170.00}. I received an email on XXXX advising that my payment will increase to {$420.00} on XXXX/XXXX/XXXX if I do not reapply by XXXX I submitted a new application with new financial information ( pay stubs ) on XXXX and received a confirmation email that it was received. Then I received an email stating that my application was approved on XXXX but on XXXX I received an email stating my payment still had increased to {$420.00}. I called into Navient because I had provided all the information and got my application prior to the deadline and received the approval notice. The representative advised me that for some reason my information never got processed but could n't give me a clear reason as to why. My new and largely increased payment was coming up and I had to provide more income information since it had been past 30 days of the original pay stubs I sent in. Because I would not be able to make the new payment of {$420.00} by the due date and I did not know how the it would take to process AGAIN I had to opt for one month of forbearance while they were AGAIN processing the information I had to resend in. I received another email stating my application was approved on XXXX. But because of the forbearance my credit score dropped 48-58 points between XXXX and XXXX on XXXX XXXX. I called a Navient representative and they did not provide any help. I am extremely upset because this was not my fault that I had to do a forbearance because they did n't properly process the information the first time. Along, with I was not late on a payment. My credit score should not be affected for the errors that Navient made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Prepaid card

Purchased a vanilla gift card for XXXX at XXXX on XX/XX/XXXX came home to activate it and it did not work they said that they I had to send them an email of the receipt and pictures of the gift card. They said it would be 30 days for them to give me my money I waited 30 days then they said I need to email them again so I emailed them pictures of the receipt and pictures of the front and back of gift card as well as the packaging it came in I did this again on XX/XX/XXXX. They are now telling me another 30 days. This company stole my XXXX and they should not be able to sell these cards if they are scamming people I spent several hours on the phone with them for them to tell me that this is the process. They took my money on XX/XX/XXXX it does not take this long when I have proof of purchase .this is going on 3 months I would like my refund or my gift card to work please help me with this issue
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

It reports that I made a late payment on one account. But all my payments have been made 100 % on time.
Product: Credit reporting or other personal consumer reports

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

I have been trying to dispute a medical debt that was never submitted to my insurance company. I have had the same insurance for over 23 years and have provided documentation two the debt collector however, the collection remains on my report. The date of service for the debt is XX/XX/XXXX however its reporting on my credit XX/XX/XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Date opened - XX/XX/2022 Original balance- XXXX I asked the company to remove this from my credit report and to please send me a contract I signed with them. And they could not provide that to me. 

Account info Account name - SELF/SOUTHSTATE BANK Account number - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my Transunion report and provided this information over to the reps, and managers at Transunion over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
List your inquiries desired to be deleted 1. It is a reason of identity theft. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. It is a reason of identity theft. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. It is a reason of identity theft. XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Checking or savings account

Dear Sir or Madam, I opened a chec king and a saving account with Citibank in   XXXX   2016 : - As a new consumer, I was supposed to receive  XXXX  $ after a period of 120 days following the opening of the account. It was an offer that they advertised on their website, and I signed up for it when I opened the accounts - I complied with all the conditions ( amount to put on the account, etc. ) - I reached out to my personal banker many times about it. He said that City bank was having " IT problems '' and that the transfer could not be completed. They are now 4 months late, and I can not imagine that a multinational like Citibank would have " IT problem '' for 4 months - I would need your help to force Citibank comply with what they advertise Thank you
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have had what MoneyLion calls a " Credit Builder '' loan, in the amount of {$1000.00}, paid bi-weekly in {$48.00} installments. I have always paid on time. This loan was meant to help improve my credit rating. 

A few months ago, I opted to disable automatic debits for MoneyLion, so I could make those payments manually. I did so for 3 payments ( {$48.00} each ), over a period of 1.5 months. On the fourth, I decided to pay the remaining balance on the loan - approximately {$190.00} - directly, on XX/XX/XXXX. As with any ACH transfer, I expected it to take about a week. It has now been 2.5 weeks, and they have not taken the payment. 

I have attempted to reach out to them via numerous methods : CSR on their app, phone CSR, email CSR, all of which have given me conflicting answers about why they aren't taking this payment, when an explanation was even offered. I have been told in turns, that they couldn't receive the payment because it was " still pending for 3-5 business days '' ( it is Business Day 12, as of this writing ) ; another excuse was that my disabling of automatic payments prevented them from initiating the payment ( which wasn't a problem on the three prior payments ) ; another excuse was that the account didn't have sufficient funds ( both provably untrue, AND the bank insists they have not received any ACH transfer requests from MoneyLion, failed or otherwise ). 

The one thing none of them has said, is that they will take my money. Not one of them. I can only assume they don't want me to pay them anymore. If it weren't for them submitting a non-payment report to credit reporting agencies for their own XXXXXXXX, I wouldn't be half as incensed about this. 

I can not believe this is even an issue. What kind of loan company doesn't take payments? It's usually difficult to get these places to refund or discount something, but they're usually pretty eager to receive money. 

I'm rapidly exhausting all civil means of resolving this issue, and feel that arbitration or a civil suit may be necessary, to force them to take this payment. I still can't believe I had to write that sentence, it's insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I found some errors on the reporting of this closed account. You are reporting information about me which is inaccurate. All three credit bureaus are reporting different high balances on this account. As you are aware there can only be one high balance on an account. 
You are also reporting payment history in 2019 on a already closed account to XXXX. 
Payment status also differs across all three credit bureaus. 
Late payment history is also being reported differently across all three credit bureaus This ACCOUNT HAS NOT BEEN PROPERLY VERIFIED SEE ATTACHMENT
Product: Checking or savings account

A bank teller at our local branch of US Bank, on XX/XX/2024, cashed a cashiers check we presented at the counter. This was part of a completed sales transaction. 

11 days later, we received in the mail from US Bank, the same check, marked FORGERY and saw that the bank had deducted the same amount of the original check from our checking account, without our knowledge or authorization. 

The loss of the money from their teller 's cashing a fraudulent check was not our responsibility and that money was never deposited in our account. Their error in honoring a forged check, was then made up for by taking our money from our own personal account without our knowledge. The effect of this was that our balance then was not sufficient for bills that we had paid electronically via their app. 

Throughout this process, we were not notified by the bank and were unaware of the forgery until on XX/XX/XXXX, when we received the returned check which the bank in their ignorance had accepted and cashed on XX/XX/XXXX. 

We went to see the bank branch manager on XX/XX/XXXX to seek answers and was told to contact their fraud dept. and also file a police report. 

We have done both. The bank is accepting no responsibility so now we are filing this report. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending you this message in hopes you can assist me with a problem I am having with Bridge Crest regarding the payoff of my auto loan. I was due for the XXXX XXXX car payment. On XXXX XXXX XXXX Bridge crest sent me an email advising me to pay {$350.00} no later than XX/XX/XXXX to avoid a 30day late to the credit bureau. I paid my car loan off on XX/XX/XXXX XXXX balance. On the same date XXXX XXXX XXXX Bridgecrest reported a 30day late to my credit bureaus. 



I was in the middle of a real estate transaction, i paid off my car loan with Bridgecrest before a 30day late. Bridge Crest reported the 30day late anyway. 
My score dropped XXXX with XXXX, XXXX points with XXXX and XXXX points with XXXX. 

I called the Customer Service Department of Bridgecrest and was spoken to with the utmost disrpect, from XXXX. He advised me there is a system issue which reports the status of the account at point of payoff and that is why it was reported and would not be removed. 


My concern is, the email I received on XXXX XXXX XXXX allowed me until XXXX XXXX XXXX to make the XX/XX/XXXX payment. why should a consumer be penalized with a 30day late for completing a car payoff before XXXX XXXX XXXX. I want this corrected immediately as it s only fair, based on the email I recived from Bridgecrest on XXXX XXXX XXXX. Please have someone call me immediately XXXX XXXX XXXX to discuss this matter. My next course of action is the Federal Consumer Protection Bureau.

To date my credit score was not corrected, the points I lost should have been recovered and my score should have been made whole. Instead Bridgecrest and the credit bureau continue to report a history with a final 60day late as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit inquiries on my credit report which I didn't authorize and are a result of someone using my name and personal information. The two fraudulent credit inquiries are : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX is reporting a negative mark on my credit report which was a result of identity theft. They sent me a letter stating they can not validate the debt, they have refused to sign a sworn affidavit stating that the account in question was mine and that they have a signed contract with my wet signature along with the wet signature from someone in their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express without my authorization ran my credit score on XX/XX/2021. 

XXXX XXXXXXXX without my permission ran my credit report on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

Since the XXXX account popped up on my credit ive been trying to dispute it. That was not my debt nor did i ever use their services. They've now sold it to a collection agency and i want it gone
Product: Credit reporting or other personal consumer reports

I called to find out why an update regarding the account 's payoff had not been done and was told it would take up to 3 months. In the meantime, my credit score is decreasing, and late payments are showing due to the mortgage company 's lack of action.

I have also included below copies of 1. The payoff letter from the mortgage company and 2. The bank wire transfer payment order receipt.
Product: Debt collection

I received a debt collection notice after I won a disputed transaction through my credit card company. The collection notice is {$740.00} while the disputed transaction I won is {$550.00}. 

What upsets me the most is because there is NO FAX OR EMAIL on the notice. 

The collection agency ( XXXX ) gave me 40 days to respond either by writing or calling to either XXXX or XXXX ( the creditor ). I immediately called each of them 3 times. 

Knowing that they can easily deny my respond, each time I called and left messages, I specifically asked them to write me an email that acknowledged my respond. 

Unfortunately, the life agents of both companies refused to send me an email or any formal letter that acknowledged my respond. 

So, the only way for customers to get written proof of their respond by certified receipts mail. That will be time consuming, laborious, and expensive. 
I feel that it was arranged that way in order to trap to vulnerable people. For example, senior citizens with diminishing mental capacity, mentally XXXX, and limited English speaker. 

Most vulnerable people will not spend extra postage for return receipt, let alone to line up for hours at the post office, just to get written proof of their responds. 
So, I filed a complaint with XXXX ( to get the creditors fax number and get written proof of my respond ).