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

I have contacted Experian on XX/XX/XXXX about Hard inquiries on my report. I explained to them I did not authorize these accounts and requested to have them removed. They advised me to contact the companies directly. I have reached out to these companies for assistance but they stated Experian is required to have these removed. I contacted Experian again and they are refusing to assist me in getting these accounts removed from my report.
Product: Debt collection

Hi it Includes XXXX people and companies, HSN, XXXX, and XXXX XXXX XXXX, I bought a bundle of computers and printer products for under XXXX, got no rewards from XXXX XXXX XXXXXXXX XXXX because they put me into collections and I was not paying automatic payments which they wanted me to do. I was paying snail mail. It's been months paid in full prior to collections and closing my card and ruined my credit. I have spoken with XXXX in person and email and phone and they did nothing to help me with this. Angry at them all.
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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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.
Product: Money transfer, virtual currency, or money service

unable to transfer bitcoin balance to my TD Bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PAID CAPITAL ONE IN FULL FOR MY ACCOUNT YET THEY CONTINUE TO REPORT INACCURATE INFORMATON TO THE CREDIT REPORTING SERVICE, XXXX, XXXX, AND XXXX. ALSO, THE CREDIR REPORTING AGENCY WITH EVIDENCE OF PAYMENT OF THIS ACCOUNT REFUSE TO CORRECT MY RECORDS. 

THIS HAS LED TO MY ACCOUNT BEING ERRONOUSLY AND MALICOUSLY BEING UPDATED AS DID NOT PAY AND BALANCE PENDING.. THIS IS DEFAMATION TO MY CREDIT SCORE.
Product: Credit card or prepaid card

I have been making all my payments on my Walmart ( Syncrony ) credit card. I used my card to buy a laptop and I have sence then been paying off my credit card. The problem is that even with all portions of my credit being better than the day I got my credit Card approved and my credit score nearly 100 points higher than it was when I got the card they are lowering my available credit limit every time I pay it down and hitting my credit limit by showing higher credit utilization. I only have 2 cards and this one started at XXXX dollars as a limit and is now XXXX dollars. I only accepted this card because of its limit, if the card was going to he a XXXX dollar card I would never be interested because I typically buy groceries and other home necessities over XXXX dollars at the beginning of every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belongs to me. The disputed items do not belongs to me. Im attaching my FTC Report for you to investigate also about this matter. Please remove these inaccurate items from my file : XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/2021 ; XXXX XXXX  XXXX XXXX XXXX, AR ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/2021.
Product: Student loan

I was notified via letter that monthly payment abruptly increased from $ XXXX to $ XXXX with XXXX notice. Called and was told that they had made an error. Then told that I had to go into forbearance or cancel payment if I wanted payment to be correct ( XXXX until due date ). Was offered processing forbearance but no administrative forbearance despite them making the mistake.
Product: Credit reporting or other personal consumer reports

This company is trying to incorrectly attempt to charge me a debt.
Product: Credit card or prepaid card

I had 2 credit cards with CITI BANK. CITI XXXX XXXX card ending XXXX and CITI XXXX card ending XXXX. On XX/XX/2022, I received a letter saying that " Because you were not able to maintain the security of this account, it is has been closed as of XX/XX/2022 ''. I do not understand this. I did not have any issues with the security of my cards and I maintained their security very well. This reason doesn't make any sense and it is not correct.
Product: Mortgage

XXXX through a mortgage program because of covid agree to pay $ XXXX toward my mortgage, but I have to pay the difference which is XXXX first, because the state wants to make sure when they make a payment the account is XXXX out and not behind. Citizen bank wont let me make a partial payment so that XXXX can make their payment after. I have called the bank over XXXX and I have been getting a runaround. 

So I need to make 2 partial payments to pay my past due balance, my house is in foreclosure and the bank won't process my payments. The XXXX grant from the state is time sensitive.
Product: Mortgage

In 2013 Ocwen sta rted foreclosure. At the same time I was applied and was approved for a new mortgage through a paternership with ocwen a ist alliance lending. On the day of closing I had a ist payment certified check {$1500.00}. No one showed. I called ist alliance lawyers they told ocwen did n't show with documents to do the closing. With 9 days left to answer complaint of foreclosure I hired a lawyer. For foreclosure they had a unindorsed note and a fraudulent assignment of mortgage. They claimed securitization of the note with no evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are reports of times and dates and city and state that was not done by me! 
XXXX XXXX  XXXX, MI XX/XX/XXXX XXXX XXXX XXXX, KS XX/XX/XXXX XXXX XXXX XXXX, GA
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account is closed please DELETE it from my report immediately. UNDER 15USC.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding the non-compliance of XXXX, TransUnion, and XXXX with regards to inaccurate reporting of my personal information. Despite my repeated attempts to address this issue, they have failed to rectify the situation. 

In my previous correspondence with XXXX, TransUnion, and XXXX, I have clearly stated that they are reporting incorrect variations of my address. This has resulted in embarrassment and confusion for me. I have provided them with the correct and legal versions of my personal information, including my full name, current address, date of birth, Social Security Number, and employer details. 

The incorrect addresses that need to be deleted from their records include XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX and XXXX XXXX XXXX XXXX, NC XXXX XXXX Additionally, the employers XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX need to be removed as they are inaccurate. 

I am deeply concerned about the potential negative impact this inaccurate information could have on my future employment and creditworthiness. It creates the false impression that I have been residing at multiple addresses simultaneously, which is not the case. This could harm my chances of securing employment or obtaining credit. 

I have enclosed copies of my driver 's license, social security card, and utility bill as proof of my identity and correct information. I have made multiple attempts to resolve this matter directly with the credit bureaus, but they have failed to take appropriate action. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to ensure compliance by XXXX, TransUnion, and XXXX. Their inaccurate reporting not only violates the Fair Credit Reporting Act but also puts my financial reputation at risk. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX B - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX BANK - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX  XXXX CO XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

15USC 169 ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Unfair. Fix the account number and send a full report. 
XXXX FCU :, Unfair. Fix the account number and send a full report. 
XXXX FCU :, Unfair. Fix the account number and send a full report. 
XXXX :, Unfair. Fix the account number and send a full report. 
XXXX :, Unfair. Fix the account number and send a full report. 
XXXX XXXX ( Original XXXX PROGRESSIVE ) :, Unfair. Fix the account number and send a full report. 
XXXX OF XXXX :, Unfair. Fix the account number and send a full report. 
XXXX :, Unfair. Fix the account number and send a full report. 
XXXX XXXX :, Unfair. Fix the account number and send a full report. 
XXXX XXXX :, Unfair. Fix the account number and send a full report. 
XXXX XXXX :, Unfair. Fix the account number and send a full report. 

I understand the process of the investigation is to reach every individual company to verify the accuracy of the information. In accordance with FCRA, Section XXXX A through D, you are supposed to let me know who you verified with. In my original investigation request sent I asked you to delete anything that is not XXXX percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, updating the other accounts is an admission of guilt and a direct violation of my rights to a fair investigation. You stated it was verified. How is it possible that XXXX, Equifax, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance with Section 611 due to the inconsistencies coming after my original request for investigation. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. Please forward me an updated credit report after you have completed your deletions and corrections.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, XXXX XXXX XXXX has 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 an 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.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent account and inquiries in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these account and inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these account and inquiries are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX failed you work with me when I had card theft issues and ended up with a negative balance I couldnt afford to pay off at the time. I stipulated with them I would not be paying the overuse balance as my card had been stolen. They claimed the charges were valid and thus fast track a while into the future and on my XXXX  Credit Report I was hit with a collection from Valley Credit Services a debt collection agency whom opened the collections account on XX/XX/XXXX to the tune of {$850.00}. This ended up remaining on my report and after two years of attempting to resolve the situation I find on XX/XX/XXXX a duplicate account to the tune of an eerily similar {$840.00} had been added to the defaulted accounts and debt holdings section of my credit report. 
I filed a dispute shortly after via XXXX  for the Valley Credit Services duplicate account. They came to the conclusion somehow that in fact this meets FCRA requirements. Which to my kkowledgeI understand that a debt may somehow be sold from one debt consolidation company to the next over a period of time. But I only ever had one account with the original creditor and this only one debt account can be established for said debt. Not only has this been negatively impacting my credit score to the tune of around 20 points or so but if Im not mistaken ; under the fair debt collection laws it is illegal for this Valley Credit Services to keep reporting a disputed claim and somehow legitimize it to XXXX when there is literally two duplicate accounts for one original debt. I have done all I can to get this duplicate negative account mark removed to no avail. Please help me or provide me the information I need on where or how I may fix this problem. Thank you.
Product: Credit reporting

I disputed XXXX erroneous accounts that were reporting on my credit file with Equifax. Instead of sending me the results of those XXXX accounts, they sent a long list in " reviewed inquiry information '' which I did not request to be reviewed. They have had over 45 days to answer the investigation and yet they have not done so.
Product: Checking or savings account

So I Received a " Check '' from someone and they said to pay some money to an orphanage. so I did, a few days later, my bank account ( USAA ) was locked, and they told me after a 4 hour call hold, that I needed to pay {$2600.00} to unlock my account and that it was a scam. they refused to help cover it. 

Its been 3 months, and I'm in the worst financial spot possible. My advice is if you do get a check and then are told to donate to an orphanage or whatever, dont do it. just let the check invalidate without sending money. 

To USAA, shame on you for not assisting me at all with recovering my money.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be Under 10 U.s. Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an tem or the intormation is tound to be Inaccurate or Incomplete or can not be vertied, te consumer reporting agency shall-ipromptly delete that item of information from the tile or the consumer. or modity that item of intormation, as aporopriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/XXXX, my business debit card was charged {$200.00} at a county fair some XXXX miles away from my home. I did not use or authorize this transaction to be made and upon discovery of the charge, contacted my bank ( XXXX Chase Bank XXXX XXXX. XXXX. They immediately disabled/froze/canceled my business debit card and issued a new one which arrive a few days later in the mail. They also refunded the {$200.00} and started an investigation into the charge. Yesterday, XX/XX/2024, they notified me that the vendor " XXXX XXXX XXXX XXXX XXXX '' had responded to their " investigation '' and this is the response I got from my bank : " The merchant provided us with documents showing that benefit was received from this transaction, we do apologize but unless you can provide us with documents to assist with your claim, the denial stands. '' Because of their " investigation '' that the vendor ( the XXXX ) had given someone {$200.00} and used my Business Debit Card in obtaining that money, I should have to forfeit that money UNLESS I CAN PROVE I DID NOT DO IT. By requiring me to " provide us with documents to assist the claim '', they are asking me to PROVE A NEGATIVE. Something that can not be done. 

I am XXXX XXXX XXXX, in poor health and even poorer XXXX condition. Why would I go XXXX miles to go to a county fair and use my BUSINESS DEBIT CARD?
Product: Money transfer, virtual currency, or money service

I am filling a complaint for ZELLE. As they didnt give us warning and if we sent any kind of money, it was our fault. Even after disputes
Product: Credit reporting or other personal consumer reports

These items are a result of identity theft. These items do not relate to me as the consumer. This block was not made in error, neither was it made by a material misrepresentation, nor did i obtain goods or services as a result of the transactions. Your company is required to block & remove these transactions not later than 4 business days upon receipt of this letter & proper documentation. Block & remove the following transactions from the consumer report : Account Name : XXXX  XXXX Account Date : XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX  Account Date : XX/XX/XXXX
Product: Debt collection

I settled an account with XXXX XXXX XXXX for less than the full balance and I was sent a XXXX form. This company should no longer be reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

MOHELA/DEPT OF ED is violating my consumer right by sharing my nonpublic personal information without my consent or providing me a proper notification of my right to opt out before doing so. This a violation on my customer right under the law.

Account : XXXX  15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted to sagestream to place a security freeze in place. I did this several weeks ago! Ive called them to verify but havent gotten any response like they state they soon the answering machine. I need to know if this has been taken care of or not. 

Furthermore I never gave this company permission to have or share my information to begin with.
Product: Credit reporting or other personal consumer reports

I am the victim of financial abuse crisis caused by family, under which they threatened my life in order to claim bankruptcy upon my credit report. I did not agree to do this, nor did I give them permission for this bankruptcy.
Product: Debt collection

I recently pulled my credit report and I noticed there was an account on there that was not on there in XX/XX/2019 when I pulled it. XXXX XXXX- I gave them a call and its an apartment complex I have never lived in. I been at my current address for the past 3 years. When I called the receptionist she said it could be an error in the name and could be a common name. My SSN & DOB didn't even match what she had on file. They asked me to dispute the account and they would delete it. its still on my CR