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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} ; XXXX XXXX XXXX : {$330.00} ; XXXX XXXX XXXX XXXX  {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} ; XXXX XXXX XXXX XXXX XXXX : {$570.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} ; XXXX XXXX XXXX : {$12000.00}.
Product: Credit reporting or other personal consumer reports

My Daughter has a loan with Honda Finance and we pay the monthly payment. Honda Finance has put it on my credit report that we were late in XXXX and I am only a co-signer and should come into to play if there was a default. 

Also, we have been affected by XXXX XXXX and my husband passed away XX/XX/2023 which is the same month of the late payment reporting. 

I asked Honda to please have compassion for the situation and they would not remove the late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing State Employees Credit Union credit account # XXXX that's showing on my credit report incorrectly. Showing account is open and account has been close since XX/XX/XXXX, XXXX Credit report is showing a rolling 120 days late which is impacting my credit score and my credit impact. I have contacted State Employee and asked that they remove, and they have not. State Employee credit Union will not confirm the debt. The current amount owed on credit report is XXXX this impact my credit score and credit usage and affecting me getting home finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX lease was closed out 2015 A/c number XXXX Experian has a balance due of {$410.00} and a XXXX  monthly payment that shows as due XXXX  shows that a XXXX  monthly payment is due Both are incorrect and XXXX has verified that this account is closed and nothing was due at the time it was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/2022 ; XXXX, XXXX inquiries on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Checking or savings account

On XX/XX/XXXX I rented a hotel room through XXXX at the XXXX XXXX in XXXX XXXXXXXX. I paid {$110.00} for the one night stay with my Cash App card ( backed by FDIC ) and was not allowed to check in. After multiple emails, visits to the hotel management ( if they even deserve to be called that ). I disputed the transaction twice with CashAppXXXX XXXX  immediately on XX/XX/XXXX and then again in Early XX/XX/XXXX when I still hadnt heard any explanation for my very legitimate dispute of my purchase that I paid for but did not receive the goods or services for. I received a chat response from CashApp stating that my dispute was denied ( almost 60 days after the 10 day limit they have ) and would not provide any documentation or explanation as to why. Almost 90 days later, I still do not have any documentation to why they denied to give me my funds back for something I paid for and did not receive.
Product: Debt or credit management

For years I was a client with LEXINGTON LAW FIRM | CREDIT REPAIR SERVICES to repair my credit. That never happened, they took my money and never repaired my credit. 
I recently found out that they were involved in A multibillion-dollar settlement with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which are the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and removed. 

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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally demand the immediate removal of several hard inquiries listed on my credit report. These inquiries are inaccurate and were not authorized by me, and they are negatively impacting my credit score : Inquiry from XXXX XXXX on XX/XX/scrub>XXXX I never authorized this lender to make a hard inquiry on my credit report. 

XXXX from XXXX XXXX on XX/XX/year>. There are multiple inquiries within one day of each other on my credit report, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX oXXXX XXXX There are multiple inquiries within one day of each other on my credit report, but I only authorized one of them. Please remove all these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/scrub>XXXX 
My credit report shows multiple inquiries all within one day of each other, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/scrub>XXXX 
My credit report shows multiple inquiries all within one day of each other, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/year>. 
My credit report shows multiple inquiries all within one day of each other, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/scrub>XXXX 
I am a victim of identity theft, and I never authorized this inquiry. 


Under the Fair Credit Reporting Act, I have the right to dispute any incorrect or unverifiable information. I have already initiated this process through your online portal, but the lack of timely action is unacceptable. I expect you to act promptly.
Product: Debt collection

So I received several calls from the debt company for my XXXX XXXX XXXX bill which I shouldnt have because I only had for my grandfather til his bill was fixed we were able to close my account and rollover on his so theres a active account. I dont owe this debt but everytime I spoke to credence I must not have no money or need to have grandpa pay them. They would call right at XXXX to XXXX at night to point I got a new phone number with a different company
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a XXXX veteran who informed Dovenmuehle XXXX XXXX XXXX as early as XX/XX/XXXX that I was in forbearance with XXXX XXXX XXXX while my loan was being transferred to Dovenmuehle. Ive been trying to get this problem corrected since XX/XX/XXXX. Dovenmuehle XXXX XXXX XXXX has been hurting my ability to refinance my mortgage to a lower interest rate. I have disputed this problem with the credit bureaus on at least 3 occasions. And, on at least 3 times provided proof from XXXX XXXXXXXX XXXX that I was not delinquent or past due to Dovenmuehle XXXX XXXX XXXX Research Department and Customer Service with no fair treatment and still unfair credit reporting from Dovenmuehle XXXX XXXX XXXX. I have exhausted all my efforts trying to resolve this problem. 
I was current on my mortgage payments and I had never missed a payment before being approved for loan forbearance. My mortgage company, DovenmuehleXXXX XXXXXXXX XXXX XXXX has been reporting that Im past due since XX/XX/XXXX even though the forbearance rules and this companys forbearance policy informs that there would be no negative credit reporting. My loan was transferred from XXXX XXXXXXXX XXXX to Dovenmuehle during XX/XX/XXXX. I was in active approved forbearance with XXXX XXXX XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX. I was approved for forbearance in XX/XX/XXXX before my loan was transferred from XXXX XXXX XXXX to Dovenmuehle XXXXXXXX XXXX XXXX. 
I provided my XXXX XXXX XXXX Forbearance Approval letter as proof to DovenmuehleXXXX XXXX XXXX research department twice as requested. Dovenmuehle XXXX XXXX XXXX asked me to have XXXX XXXXXXXX XXXX e-mail Dovenmuehles Research department the forbearance letter proof again in XX/XX/XXXX. XXXX XXXX XXXX directly e-mailed Dovenmuehle XXXXXXXX XXXX XXXX Research department my forbearance approval letter on XX/XX/XXXX. Dovenmuehle continues to report to the credit bureaus that Im 90 days past due, not more than 4 months past due, and delinquent since XX/XX/XXXX. Moreover, Dovenmuehle will not even acknowledge receipt of my forbearance approval letter from XXXX XXXX XXXX as of this date, XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been exposed in several data breaches and now my information is being used to fraudulently. I was able to take a look at my credit report and I see many suspicious accounts and charges. I have been receiving calls and emails about account and charges that are not mine. I am sure that scammers took my information and now I am being negatively effected.I noticed fraudulent information was posted on my file.
Product: Credit reporting or other personal consumer reports

XXXX has violated my rights. Information is inaccurate. According to the following US Codes 1681 ( b ), US Code 1962, US Code 6801 and US Code 605. They are in violation of my rights. 

Personal information should list : ] the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX employer : XXXX { ; ease remove any other names and address asap an for maximum accuracy In Violation of my rights according to US Code 1692 and US Code 605. The following accounts are reported INACCURATE please remive late status XXXX violation of US CODE 1692 never late XXXXXXXX XXXX violation odf US Code 1692 never late XXXX XXXX XXXX violation of US CODE 1692 NEVER LATE XXXX XXXX violation of us code 1692 never late XXXX XXXX XXXX violation of US Code 1692 never late XXXXXXXX XXXX XXXX violation US Code 1692 never late accounts involved in identity theft -remove late payment ststus asap or civil law suit will take place
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. Furthermore, their dispute resolution process was unfair and deceptive, and did not comply with error resolution requirements under the Electronic Fraud 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 card

Thank you for your recent inquiry regarding your CARECREDIT/SYNCHRONY BANK. has refuse to credit my dispute and given the right to the provide. after the orange county sheriff is doing an investigation I hope you can see that I have take this very seriously. There is a police report an investigation case number. I am not paying for something I do n't receive just case a GPS of a mailman says that he placed in the mailbox. Plus you are the most irresponsible people sending a package over {$100.00} without an insurance. Insurance Coverage -- Priority Mail Priority Mail pieces bearing an Intelligent Mail package barcode ( IMpb ) or USPS retail tracking barcode ( see 4.3.4 ) are insured against loss, damage, or missing contents, up to a maximum of {$50.00} or {$100.00}, subject to the following : Insurance coverage is provided against loss, damage, or missing contents and is limited to a maximum liability of {$100.00} when the Priority Mail pieces bear an Intelligent Mail package barcode ( IMpb ) and if the mailer pays XXXX prices. 
Insurance coverage is provided against loss, damage, or missing contents and limited to a maximum liability of {$50.00} when the Priority Mail pieces bear an IMpb or USPS retail tracking barcode, and does not otherwise qualify for {$100.00} of insurance coverage as described in 4.2a.I will dispute this till the end am not interested of doing any business with a business so irresponsible as you guys. I want a copy of my receipt. I never received the item. Just because the item were suppose place in the mailbox it does not mean the were deliver to my hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( 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. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Checking or savings account

I am writing the file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXXAVANT account # XXXX XXXX, Date opened : XX/XX/2023 XX/XX/2023, XX/XX/2023, Balance owed : {$510.00}, {$500.00}, {$500.00}, ( XXXX, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Product: Credit reporting or other personal consumer reports

The account is being reported as charge off and closed. I never received my copy of the 1099C to report the income. And have to inaccurate information removed. I also want to sue for damages from the fraud being committed.
Product: Credit card or prepaid card

I have to state that I was pretty disappointed when US Bank took away the credit that was on my credit card through XXXX. 

I had a credit balance because US Bank would not accept payments of less than {$1.00} from my bank. And rather than refund the money ( like other credit cards do ) OR enjoy the interest they were making off my money, US Bank decided to keep all of my money with NO issuance of notice to me. US Bank has stated ( on XX/XX/2017 ) that there are regulations that require a refund of any credit balance held by the bank for 90 days. HOWEVER, it is US Bank 's policy to keep the money themselves rather than send out checks for less that {$1.00}. 

If I owed US Bank money, they would not hesitate to charge me with a {$38.00} late fee if I did n't pay an amount within 30 days. I have to ask - where is the equity in this action? 

While the amount may be small, for a company with 15.8 million customers ( XXXX XXXX XXXX ) and a quarterly revenue of {$300.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) this seems like a pretty petty thing to do to the customer, but a potenially large windfall to the company. 

I would love an explanation on how/why this is possible, Thank you XXXX XXXX
Product: Debt collection

This company is One Main Financial located at XXXX XXXX XXXX XXXX, XXXX, KY XXXX. We are working on a debt consolidation with XXXX XXXX XXXX and we have sent a cease contact with us. But they continue to call myself and my husband at our phone numbers at ( XXXX ) XXXX and XXXX. I get about two calls per day and my husband gets two calls per day. They leave messages on my voice mail and will not quit. I would like this to stop and work with XXXX XXXX. I lost my job two years ago and am under employed and ca n't continue to make the payments so, we went to XXXX XXXX to help us resolve our debt. Attached are documents that we have sent to stop the calls. Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am unaware of them, and the company made them without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to respond within the allotted time frame. 

This is regarding my student loan payments to XXXX. 

See my original complaint for details.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( This information is incorrect ) Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX ( This information is incorrect ) Account # XXXX XXXX  ( This information is incorrect ) Account # 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 XXXX XXXX
Product: Credit card

Problems with my account on the website. 
Autopay is set to pay an amount greater than the Account Balance. 
I had many failed attempts to change autopay to : statement balance. 
After removing autopay, I had multiple failed attempts to set up autopay to : statement balance. 
While making a one-time payment of {$120.00} to pay the full balance, the transactions frequency was described as MONTHLY. 

All three ExtendPay plans have a {$0.00} Principal remaining. ( in other words, they are not active ). They were paid off early. 

U.S. Bank ExtendPay screen says ExtendPay is not available.

While trying to set up autopay, set up autopay screen states, You have an ExtendPay. 
Trying to set up autopay results in : Spinning icon : Loading your Experience, Screen disappears. Autopay is not on the dashboard.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Equifax XXXX is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with these files & need to be deleted due to inaccurate info. Please investigate and remove these from my personal credit file. Thank you.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.