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

I was reviewing my credit profile and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I am disputing this student loan from this service provider based on the original contract. Forward a verified statement of accounting and contract regarding this loan.
Product: Consumer Loan

CHARGED OFF ACCOUNT THAT WAS PAID IN FULL, IS NOW BEING REPORTED WITH A BALANCE, SEVERAL COMPLAINTS HAVE BEEN MADE AND NEVER RESOLVED WITH A CONTINUED " RE-AGING '' OF THE ACCOUNT TO SHOW THAT A BALANCE IS BEING OWED.
Product: Credit reporting or other personal consumer reports

On or about on XX/XX/year>, company XXXX XXXX XXXX has violated 15 usc 6802. I did not consent nor have i ever AUTHORIZED to disclose my personal information to nonaffiliated third party. This has caused me significant harm and ive been financial damaged which for reason for this dispute. XXXX XXXXXXXX XXXX can not and will provide any proof to me the consumer with disclosure that such information may be disclosed to such a third party. Finally I the consumer XXXX XXXX was not given the opportunity to direct the institution not to disclose my personal information without my authorization. 

Finally I am ordeing institutions to remove all negative experiences, that mean late payment, credit inquirys and etc. That is a blatant violation of 15 usc 1681a. Credit utilization is EXCLUDED from the consumer report as well as late payments. 

AUTHORIZATION TO DISCLOSE WAS NEVER AUTHORIZED. PERMISSSION WAS NEVER GIVEN!!!
Product: Payday loan, title loan, personal loan, or advance loan

I been doin business with self leder for years and iam still doin business with them because dis is to re building ur credit it brought my credit a long way frm were it user too be at but still have like 4 late payments dats holding me back I got those because I was trying to build credit why I was dealing with XXXX also I got credit card with them and last year credit builder acct I paid my acct off and full and they give me 25 % of da money and they said they will send da other 75 % to da credit card acct wish is charged off rite now they never apply da balance too dis account now da card is charged off
Product: Credit reporting or other personal consumer reports

I Have names, addresses and a bankruptcy reporting to my Transunion credit report that are INACCURATE.
Product: Credit reporting or other personal consumer reports

Dear citi Card Bank, My name is XXXX XXXX XXXX, and I am writing to you regarding an account that appears on my credit report as a charge-off from Citi XXXX Bank XXXX I have no knowledge of this account and would like to request a proper investigation into this matter. 

I dont recall ever opening a bank account with your bank, Currently, I am in the background check stage with XXXX XXXX and XXXX XXXX, and I am being questioned about this debt. This is causing significant concern as I do not recall ever having an account with your bank. This inaccurate information could potentially affect my future job prospects, as it may appear that I have an active debt when I should not have any outstanding debt with any bank. Additionally, this misinformation is negatively impacting my credit score. 

I kindly request your prompt attention to this matter and an investigation to determine the accuracy of this account information. Please contact me at your earliest convenience at XXXX or via email at XXXX. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I have a number of student and parent loans from myself and my XXXX children 's college educations that are now all administered by Nelnet. When I was in school and when my children were in school some of the loans went in and out of deferment automatically- without my consent. I have been making the minimum payments for about five years but the total for all of the loans has not decreased more than a few XXXX dollars. Recently I requested a listing of all payments and how the payments were applied for each account. I noticed that on some of the accounts- especially one with a payment of over {$100.00} a month- all of the payment was applied to interest for several years. There are payments that say " reapplied borrower payment '' which makes me think Netnet redistributed payments at some point. Customer service agents at Nelnet can not answer questions about distribution. They can only read the same information about the accounts that I can access online. 
I think that Nelnet is mishandling my accounts. How can XXXX % of a standard repayment payment not pay any principal for months or years at a time? There have also been many instances of interest capitalized- XXXX of dollars at a time. I need someone who is knowledge about this subject to review my accounts with me. I am and have been paying XXXX of dollars a month in loan payments and my loans are not getting smaller! Can you help me figure this out? Standard repayment is supposed to be 10 years. Between the questionable payment allocation and the automatic deferments I can see this going on and on. I need a payment schedule that I can depend on and track.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXXXXXX {$260.00}
Product: Credit card or prepaid card

Discover didn't fully address my complaint in CFPB case # XXXX. So, I asked Discover again to answer the following questions in XXXX. The CFPB told me to file another dispute. So, again, Discover didnt answer them. So, again, I asked for them in complaint XXXX. Again, Discover didnt address the issues or answer my questions in my complaint. 

First, this complaint is not about XXXX pricing policies. Its about fraud. Discover advertises customers are not responsible for fraudulent charges. XXXX lies about its certifications/training. 

I bought an inspection to be done by a XXXX XXXX XXXX XXXX XXXX certified inspector as XXXX 's website advertises. However, my inspection was NOT done by a XXXX XXXX XXXX XXXXXXXX XXXX   certified inspector. Also, XXXX advertises itself as being XXXX XXXX XXXX XXXX XXXX XXXX certified, yet there are not. Why does Discover feel this false advertising is OK? I didn't get what I paid for. An XXXX home inspector has gone through rigorous, specialized training. 

When we asked the inspector about the air duct in question, he said it was fine. Giving completely incorrect information is definitely not what I paid him to do. If Discover doesn't address all 3 of this issues in its reply, I will file the complaint as many times as it takes for Discover to address all issues in this complaint. At this point, Discover is false advertising. Discover says cardholders are not responsible for fraudulent charges. An XXXX/XXXXXXXX inspection not being performed but charging customers for one is fraud. 

As for Discover wanting proof of XXXX satisfaction guarantee, I gave Discover the web URL to XXXX satisfaction guarantee. But, the guarantee is a moot point, since XXXX false advertised.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date that's on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Payday loan, title loan, personal loan, or advance loan

I have paid ridiculous amounts of payments to them and called them to see what the Payoff was and it was more than the loan I took out. They are charging unethical amount of interest
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

I have attach any supporting documents, such as copies of dispute letters, responses from the creditors, or other relevant correspondence. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. I am asking for your immediate assistance to remove the fraud items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 

XXXX XXXX Services 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. 
XXXX XXXX XXXX date of inquiry XX/XX/XXXX. 
XXXX 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. 

The list above are companies that have been listed for inquiries in my credit report. I have not authorized any of the inquiries made by these companies
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX account with the creditor on XX/XX/23 and on XX/XX/23 it was removed and it returned on my profile with no notice with in 5 days of it being placed back on my report, which is a FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT REPORT, AND I HAVE BEEN CALING AND WRITING TO THE BUREAUS AND TO BANK OF AMERICA DIRECTLY. THE ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES ARE FRAUDULENT AND NOW THE ACCOUNT HAS A XXXX BALANCE AND ITS CLOSED, BUT NEVER THE LESS IS A FRAUDULENT ACCOUNT AND IT IS NOT MINE, I HAVE NEVER SEEN THE COLOR OF THAT CARD. WHAT IS THE POINT OF HAVING FEDERAL TRADE COMMSSION OR EVEN THIS ORGANIZATION IF NO ONE EVER CARES WHAT CONSUMERS TELL THEM OR WHAT THEY SAY. THIS BANK OF AMERICA IS NOT MINE, I HAVE NEVER OPENED THE CARD, I HAVE NEVER MADE ANY PAYMENTS, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Action : FCRA Violations and Identity Theft This letter serves as a formal complaint regarding serious inaccuracies in my credit report, which constitute clear violations of the Fair Credit Reporting Act ( FCRA ), specifically under Sections 605B, 611, and 623. I have discovered multiple instances of identity theft, involving fraudulent accounts and unauthorized credit inquiries, which you have failed to properly investigate and rectify despite my previous notifications. 

FCRA Violations : Section 605B ( Block of Information Resulting from Identity Theft ) : This requires you to block fraudulent information from a consumer 's credit report within four days upon receipt of a proper identity theft report. Failure to do so has aggravated my financial and emotional distress.

Section 611 ( Procedure in Case of Disputed Accuracy ) : You are mandated to conduct a reasonable investigation after a dispute is filed by the consumer. The continued presence of these inaccuracies suggests a lack of due diligence on your part. 
Section 623 ( Responsibilities of Furnishers of Information ) : This section obligates furnishers to provide accurate data and correct and update any inaccurate data reported to credit reporting agencies.
Product: Vehicle loan or lease

good morning, ever since covid most of us have problems with job loss and payments, I feel behind payments with Chrysler capital and since XX/XX/XXXX this account have been charged off but they still they are reporting late payments on my credit report a total of XXXX with is being hurting my credit, on XX/XX/XXXX I received text and phone calls that they will come to repo the car, never did, I was still paying for full coverage insurance, in XX/XX/XXXX I call them to come and get the car because I couldn't continue paying for insurance on a car I couldn't even register again they never did, I parked the car Lon the street and the police took the car, I called them again on XX/XX/XXXX and an representative told me they didn't get the car because it was going to cost them. 
account XXXX
Product: Credit card or prepaid card

I recently applied for an XXXX XXXX  through JPMorgan Chase-based an invitation from XXXX. I submitted the information, a copy of the driver 's license. Over a period of 7 days, I received information that my identity could not be verified. So I resubmitted the information and again I got the message about my identity not being able to be verified. 
I contacted JP Morgan Chase and they could not explain why such a statement about identity could not be verified. That is critical because I need to know why. 

JP Morgan Chase communicated that it is related to the information that is reported by the credit agencies. I was told that they would escalate this and contact me to discuss their findings. As of today, XX/XX/2022, no has contacted me from chase.
Product: Money transfer, virtual currency, or money service

On Monday morning my wife and I were chatting with a close well trusted friend on XXXX messenger about some items she had for sale. We wanted to see an item but she said she couldn't at the time but for a deposit she could hold it ( this is normal for selling things online but seemed odd for her ) with some suspicion we procced to send her the deposit from the account she said it would be coming from ( not hers personally ). Just moments after clicking send I got a bad feeling, so I text her XXXX XXXX and asked if her account was hacked. It was indeed. Someone was impersonating her, so we quickly called our bank to tell them about the scam and they put an XXXX stop payment on our account. It worked! But now the money transfer app is claiming we owe them money and is only available via email and will not process our claim for fraud.
Product: Payday loan, title loan, or personal loan

I reached out to Credit Central LLC in XXXX with a certified letter dated for XX/XX/XXXX. It was sent out a few days later. I received notification that it was signed for. They failed to respond to letter or even offer me any settlement offers on this account. This account has been on my credit report since XX/XX/XXXX, and I wanted to settle the debt for {$92.00}. Thee original balance on this account was {$180.00}. 
According to me credit reports that I get faithfully ever month, shows them still reporting to my credit as of XX/XX/XXXX making my account a charge off/ charge off bad debt. 

Over the past when I have been dealing with Credit Central they would harass you for payments but the second an account gets closed and you want to offer a settlement on the account they act as if they don't know who you are. I am the same person you took money from prior to this. Pretty much this company is refusing to settle a debt. They rather jeopardize someone credit then try to let the consumer correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act the account below has violated my rights under 15 usc 1681.

AccountXXXX Also has violated my rights under 15 usc 1681section 602 A 15 usc 1681 section 604 A section 2 15 usc 1681c ( a ) ( 5 ) 15 usc 1681s-2 ( A ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Every since my identity been compromised i been living an nightmare via my credit file. There's unauthorized accounts on my file, inwhich although closed now it's still part of my file. The over all problem here is that these accounts do not belong to me, therefore I'm demanding that they are removed. 

1. XXXX XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter sent XX/XX/2022 a formal complaint to Experian XXXX and XXXX for Violating my Federally Protected Rights as a consumer ; received no response. Sent a follow up letter XX/XX/2022 demanding them to comply to their policies with verifying accounts within 30 days; received no response.
Product: Credit reporting

As I have informed Equifax , I have an account on my credit report, XXXX account receivable. cadillac agreed to removed from my credit report once paid in full. It has been paid in full. it has been deleted from the other two credit agencies but I am having issues getting Equifax to remove. I have told Equifax they can call XXXX who is my representative at XXXX account receivables and he will back up everything I am saying.
Product: Mortgage

Shellpoint is the mortgage company who services our loan. They are reporting to the credit bureaus that we have been and are still late on payments with them. My wife, XXXX XXXX and I, have never been late. This has gone on for well over a year. We have spent over 100 hours contacting Shellpoint to fix our credit reports. We have called over and over, gone up the chain of command, emailed and wrote many letters to them. They told us that they had fixed the problem but it continues to show on our credit reports. We have written the credit bureaus many times just in case they were reporting the wrong information, it seems as if the problem lies with Shellpoint. The other issue is our rate is adjustable and rates are starting to go up. We need to obtain a new mortgage loan but can not because of these late payments. This has harmed has caused us a lot of stress, anger and frustration and it is hurting us financially. Please help.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : it also states a consumer credit reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Comenity Capital Bank promise made first 3 months payment on my account they not done that yet then drop my credit limit without asking me first
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



there is some inaccurate information reporting. 



there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX Account XXXX : XXXX Please remove it from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/year> I deposited my payroll check from my employer in the amount of {$1100.00}. XXXX into my Regions checking account. Regions has received direct deposits from this employer into this checking account before. Due to issues with my employers payroll system ADP I had to get a check. After depositing my check, Regions placed a hold on it till XXXX. That is beyond reasonable! in this day in age it should not be taking that long to verify a XXXX check! Especially when they have received direct deposits from this same employer before! It seems nobody is willing to put their thinking caps on these days and this causing me a hardship! These are wages that I worked for! Who is actually regulating this process?? There needs to be oversight on these hold times. People are living paycheck to paycheck and can not afford this type of mismanagement!