23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I was overdrawn by {$150.00} in one Bank of America account and due to fees, am now overdrawn by {$800.00}. Without the fees I would be able to pay off my debt without issue, however I do not have the means to pay the exorbitant fees that have been tacked on to this balance. I would like to be able to work out a way to equitably resolve this debt.
Product: Credit reporting

I have lived at XXXX XXXX XXXX for XXXX yrs there r judgements on my credit report from different addresses that I never and couldnt have lived at. These do not belong to me
Product: Credit reporting or other personal consumer reports

My personal information has been exposed in a data breach and is reflecting negatively on my credit report
Product: Credit reporting or other personal consumer reports

MIDLAND CREDIT MANAGEMENT INC. Is reporting an Open balance of XXXX. And I have never open an account with them.
Product: Checking or savings account

Opened a XXXXSavings and checking acct on XX/XX/XXXX. Made 3 deposits totaling {$76000.00}. Did not receive ATM Debit cards. Our acct was hacked and {$5000.00} was transferred from our Savings to our Checking via phone and from XX/XX/XXXX to XXXX withdrawals totaling {$5000.00} were taken from our acct. We were not notified from our bank that our acct had been hacked. Went to the branch which we opened the accts. to put a freeze on all accts. The bank said in XXXX business days we would have a resolution. We spoke with the fraud department and the branch office numerous times and got nowhere. The banks fraud department said they have footage from the ATMS where the ATM card was used. I gave my description to the fraud department and they said that it was DEFINITELY not me. We received a letter from the bank on XX/XX/XXXX saying the phone transaction was valid and our claim was denied. 
The only person that had our private information was the person who opened our accounts!
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Vehicle loan or lease

Subject : Dispute of Unauthorized Hard Inquiry by Sensible Auto Dear Sensible Auto, I am writing to formally dispute an unauthorized hard inquiry on my credit report initiated by Sensible Auto. This inquiry was made without my explicit authorization and appears to have been the result of misleading or false advertising regarding credit approval. 

The details of the inquiry are as follows : Creditor/Company Name : Sensible Auto Date of XXXX I was led to believe, through advertisements or representations made by Sensible Auto, that I was " pre-approved '' or had a " high likelihood of approval '' for financing. However, upon submitting my application, my credit report was accessed without my informed consent, resulting in a hard inquiry. This practice violates the Fair Credit Reporting Act ( FCRA ), which requires explicit consumer authorization for hard inquiries. 

I kindly request that you remove the unauthorized hard inquiry from my credit report. 

I request its immediate removal from my credit report. 

Please provide me with the results of your investigation in writing within the 30-day period required by law. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau is reporting me late for XXXX, XXXX, XXXX and XXXX of XXXX for XXXX XXXX. Account was closed XX/XX/2020. I spoke with XXXX XXXX who said they did not report me late. I provided documentation to Experian to have account information adjusted such as bank statements and the account closure letter with date. My information was not adjusted and they are stating the dispute is complete.
Product: Credit reporting or other personal consumer reports

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of XXXX. Please take appropriate action regarding these XXXX  accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.XX/XX/1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Debt collection

Debt collector is trying to obtain a payment on XXXX bill that does not belong to me. The account was opened on 2019 however I have been with the same cellphone provider for 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$1900.00} on XXXX , XXXX from original creditor XXXX XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) We moved into Unit XXXX and shortly thereafter we saw that the apartment was being invaded by cockroaches and we also saw mouse or rat droppings scattered around the apartment. We immediately contacted the building manager to let them know what we were experiencing however, no action was taken. We also let the building manager know about an extremely noisy vent unit in the bathroom and the decaying ceiling in the bathroom. Several weeks had passed and no action was taken to fix any these issues. My son was having health issues due to the increasing deterioration of the Unit. I have attached several photographs to verify the location and Unit number of the apartment in question. Picture 1 shows XXXX XXXX sign and address ; picture 2 shows the deterioration of the bathroom ceiling and ceiling vent ; picture 3 shows the front door of Unit XXXX. Clearly you can see that the front door does not close properly because it is cracked and bent. Picture 4 shows the extremely poor condition of the exterior of Building XXXX ; Unit numbers XXXX. Picture 5 shows a larger view of the front of Building XXXX ; Unit numbers XXXX. Picture 6 shows the bathroom floor ; the cracked walls ; the gaping hole in the floor ; rotting drywall ; baseboards coming apart from the walls. This is where the cockroaches and other rodents may have been entering the apartment as well. After numerous attempts to get the building manager to fix the living conditions of both the interior and exterior of the apartment, we had no other choice but to vacate the premises. I have attached a copy of the letter from the City of XXXX dated XX/XX/2017 verifying we did report these issues and that the apartment manager had been informed of these issues, but that they did not fix the problems. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting

Incorrect Address i never lived at XXXX XXXX XXXX XXXX XXXX XXXX Michigan it is the Address of my Son who has the same Name
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX & XXXX XXXX XXXX & XXXX have both violated my rights. 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 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
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Debt showed up on my credit report with zero contact never seen a bill or hired of this company out of another state and zero attempts before reporting.
Product: Checking or savings account

Im trying to get a account with key bank called check free hassle account but the XXXX XXXX branch refused to call me and lied about what they said they did talk to some authorized from me about me now I want a conference call done with them me and some one from the executive office seeing why they lied to me
Product: Debt collection

Nordstrom has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1682a ( q ) ( 3 ) and Revised Statues of Missouri ( RSMo ) 570.223. Nordstrom is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.
Product: Checking or savings account

I have a checking account with B of A. B of A allowed my wife ( we are separated ) to set up recurring payments on the account. My wife ran up a large overdraft on the account, including hundreds of dollars in NSF charges. I tried to pay off the account and close it while this was going on ( she was purposefully doing this ). B of A refused to close the account because of the overdraft and when I tried to pay the overdraft, with a check from my XXXX account, refused to take the check to do so. I was at the B of A branch at XXXX in XXXX and instead of closing the account, or even letting me talk to a B of A banker about it, they stuck me in an office and a customer service rep tried calling B of A on the phone. After waiting on hold for somewhere between XXXX XXXX  and XXXX XXXX XXXX  I left. Same thing when I call, am put on hold for huge lengths of time. Although I am a XXXX XXXX, I still work and can not wait indefinitely. Have tried to go on-line to pay and close but if B of A has this functionality I cant figure it out- not obvious.I have gone to 3 separate branches to accomplish this without success. 

I want B of A to back out the nsf charges, many of which were incurred because they would not let me close the account and have someone contact me ( XXXX XXXX XXXX ) who can take an XXXX  so I can resolve this. Also, to the extent they report negatively to any bureau, clean that up.
Product: Checking or savings account

I opened a business checking account with Truist on XX/XX/2023, and I made a mobile deposit ( {$500.00} ) on XX/XX/2023, I found out that I could not log in anymore on XX/XX/2023. Tried to reset password, cant even get that done, the system or the mobile app did not give me any message of what happened to my account... So I have to wait until today, Monday, XX/XX/2023, to call the bank to find out why. After being transferred twice, I was talking to the Truist Fraud Department without any idea of whats going on. The fraud department told me that my business account has been locked because of the one mobile deposit I made on XX/XX/XXXX. I was told the check I deposited was returned they also asked 7 questions regarding this single mobile deposit, all questions answered of course. Then, I was told to call back on XX/XX/2023 regarding this matter, not any day early. I understand Truist is trying to protect the customers, however, why does one returned check take soooo many days to process??? Why do I have to wait for 8 more days to call??? Is the bank here to help us or causing us more problems? I need to do business with the business income, but now, I cant even access the account ; plus, I have to wait until XX/XX/XXXX to figure out whats going on, today is XX/XX/XXXX. This long waiting time is unacceptable! Also, why didnt the bank notify me in any method regarding the account locking???
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, I received a credit alert from XXXX XXXX XXXX stating that an account from Capital One Auto Finance in the amount of $ XXXX was opened in my identity. The information was reportedly reported to XXXX. I logged-in into my XXXX personal account ( that I pay for ) and I did not see this added account/information. I contacted Captial One concerning the issue and they did not have any information with my name or XXXX. I then contacted XXXX XXXX XXXX and they referred me to a fraud/ restoration specialist. Today XX/XX/year>, I spoke to the specialist XXXX XXXX. I informed her of the alert issue and clarified that I never had any accounts with Capital One. In reviewing my account, the specialist also identified two other accounts and a hard inquiry in my name that I did not open/instigate. Together the specialist and I called Capital One 's various departments ( customer service, auto finance, credit cards, applications ) and no one had any information in my name. Nonetheless, as part of the restoration process, I was asked by the specialist to file a dispute with the respective Credit Bureau 's however as it relates to the open accounts with XXXX there is no such information listed with them ( according to several specialists I spoke to ), even though the information was reported as an alert with XXXX. As it relates to the hard inquiry, XXXX would like me to provide a letter from the creditor ( Capital One ) stating it is okay to remove the information. However, Capital One is unable to provide me that letter as I do not have any accounts open with them. I am filing this complaint as a form of protection that I did my due diligence to resolve this matter. Thank you for listening.
Product: Credit reporting or other personal consumer reports

I reviewed my report due to a data breach with a mortgage company XXXX XXXX was previously. I noticed a XXXX closed account with a balance of {$1700.00} on XX/XX/2023 with no account number. This is not my account. The second account was XXXX XXXX closed with account number ending in XXXX. Please investigate and provide proof with statements showing that these accounts belong to XXXX XXXX XXXX and did not authorize these accounts. Thank you so much for assisting in this urgent matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove wrong personal information on my credit file with XXXX and it has not been removed. 

15 USC 1681. I did not give anyone written permission to use my personal information on my behalf
Product: Credit card or prepaid card

I am filing this complaint and asking for your help to help me. I a a victim of Identity Theft. There are accounts that are being reported on my credit file. One of those is AMEX which was opened XX/XX/2018 with a balance of {$1300.00}. I also have reached out the the 3 major credit bureaus and filed a dispute with them. This account is clearly not mine. I already have filed an FTC affidavit and a police report regarding this matter. I am attaching those documents I mentioned to verify and authenticate my claims. This fraudulent account is taking toll on my credit standing. Please help me.
Product: Student loan

I was automatically moved to the SAVE plan from REPAYE as I was supposed to be, but when my payment was recalculated it was actually higher than my payment on REPAYE. When I spoke with a MOHELA customer service agent, she calculated a lower payment as well. It does not make sense that under the new SAVE plan guidelines that I would be paying more.
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the erroneous items in my file, but there are still remaining issues that need to be resolved. I am a victim of inaccurate credit report data and I am disputing the following inquiries in my file, as they do not relate to any transactions involving goods, services, or money that I have made or authorized. Please remove these erroneous inquiries from my credit file. I am attaching my new FTC report # XXXX. The disputed inquiries are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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. These inquiries are unknown to me. The information on these inquiries has been deleted by other bureaus, and I doubt their accuracy. The reported dates are also unclear. According to the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days, provided : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Debt collection

Receiving letter from Convergent for a debt I do not owe nor anything on my report. This is fraudulent. They kept insisting on me giving my date if birth and social security number when I called with account number also. This is ridiculous. How are they in business?
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting me as 120 days past due on XXXX  XXXX partial account # XXXX that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amount.
Product: Student loan

Navient consistently ignores requests for information, does not update loan status like XXXX, most recently SAVE, makes unreasonable demands for irrelevant personal information and will place loans into forbearance easily but makes resolving problems or getting accurate and timely information about other options nearly impossible.
Product: Credit reporting or other personal consumer reports

I noticed a student loan account opened in XX/XX/2022 on my credit report by XXXX XXXX XXXX servicer without my permission, validation, authorization, and verification nor does it have my signature to be placed ontheirplatform.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a false eviction put on my credit by a landlord. It was dismissed by the judge. The court has the dismissed case on file. It still shows up as an eviction on my credit report.
Product: Credit card or prepaid card

fraudulent attempt to open new credit card with " XXXX XXXX '' XX/XX/XXXX XXXX i already have an open active account with XXXX XXXX XXXX XXXX
Product: Debt collection

I received multiple calls from XXXX number representing Radius Global Solutions. They are asking to speak to my family member who is a minor and doesn't have any credit cards or accounts. I mentioned that the family member is a minor and doesn't have any debts. They hung up at that time. Now I started getting calls again for the said family member. I already checked creditkarma.com to get XXXX report to see if there are any accounts in their names and there are none. 

I want these calls targeting minors to stop.
Product: Vehicle loan or lease

I am writing to request the removal of a recently missed monthly payment from both my credit history and that of my sister, who kindly cosigned the loan for me. Due to financial hardships, I temporarily fell behind on payments. However, I have now brought the account up to date and am financially capable of making consistent monthly payments going forward.
Product: Credit reporting or other personal consumer reports

I received my credit report on XXXX XXXX and notice there were hard inquiries that don't have permissible purpose to be on there. there hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1581b. I also have attach the hard inquiries that don't have no purpose to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXXXXXX Inquiry from XX/XX/2020 inquires are not mine or unauthorize