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

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why its there. I routinely check my credit report, but this time, I found unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the inquiry remained. This is extremely frustrating, and I need this issue to be resolved immediately. Please review the documents Ive provided thoroughly so I can finally have peace of mind.
Product: Payday loan, title loan, or personal loan

CFPB employee, im mainly sending this into you for this complaint to be on your records because it needs to be, and if you think another agency should be aware of it, then please forward this to them as well. 

I started my job and worked the day, i called out the next day to do a stomach bug, i received an email from dailypay saying i earned {$67.00} on a workday that was $ 120+. I  thought i was short changed which ended up causing me to quit, ill get back to that. Because of that i used {$60.00} of it and about a week later on on payday, dailypay deposits an extra {$62.00} into my bank account, i also receive a paycheck from my employer, I reached out to my employer and called into dailypay to figure out what happened, the agent i spoke with at dailypay said i owed dailypay nothing and my account was in the clear, which i have on recording. after a few days of being the middle man, and dailypay not replying back to my emails, i was told dailypay reached out to my employer and was trying to figure something out, No one wanted to mention what happend there, for all i know, my employer paid it off for dailypay to continue saying i owe them money. Anyways, in there terms of service in section 2 it says if my employer short changed dailypay, i wont owe them a cent and yet here we are, They kept insisting i owed them money, so just to get this borderline illegal harassment over with, i paid it off, and the account is still deactivated, still! 

If i were to take this to court, you do realize the amount of crap i could get dailypay in, Thats not even including the fact that my personal information was transferred inbetween my employer and dailypay without my consent. 

Im still contemplating what to do so there wont be a final point to make other than Dailypay, you seriously need to get your XXXX together, like, REALLY BADLY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of credit report and noticed several accounts and inquires that were reported without my knowledge, Fraudulent applications have been submitted in my name and my identity has been used without my consent to obtain goods and services.
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 XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : 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 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.
Product: Prepaid card

On XX/XX/XXXX, someone hacked into my MoneyNetwork XXXX account and transferred {$7000.00} out of my account and into their XXXX account. I immediately reported fraud claim and MoneyNetwork declined my claim within 1 week, stating that it was authorized by me. This is not true because someone went into my account, changed my original default external checking account to theirs. I filed a second petition after filing a police report and EDD fraud report. I have the name of the criminal and their XXXX account number as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted NAVY FEDERAL CREDIT UNION I requested that Navy federal credit union furnish me with a copy of a 1099-C for each of the following accounts that they have charged off. That is reporting on my credit report. 
ACCOUNT NO : XXXX, ACCOUNT NO : XXXX ACCOUNT NO : XXXX, and also ACCOUNT NO : XXXX. Pursuant to the Department of the Treasury Internal Revenue service instructions for forms 1099-A and 1099-C Acquisition or Abandonment of secured property and cancellation of debt. Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. 
As of todays date I received no reply from NAVY FEDERAL, IT HAS BEEN WELL OVER 45 DAYS. I am requesting that these accounts be deleted off my credit report because they have been charged off and Pursuant to 2022 publication from the Federal Government once a debt is charged off it becomes ordinary income, and because it is ordinary income it is not reported on the consumer report. I am requesting that Navy federal delete the accounts in question Per Federal law enclosed are the following documents proving that a DISPUTE WAS FILED WITH Navy Federal and sent certified mail and certified return receipt
Product: Mortgage

I currently have a mortgage that is serviced by  LoanCare LLC ( LC ). They have been servicing my loan for just over 1 year. Since the beginning of the contract, I have always had my monthly payments set up as an auto withdraw from   my bank account on the  XXXX  of every month, as contracted with LC. I have also checked each month to make sure these payments have been made. My   XXXX   XXXX   payment was confirmed via email by LC as being received by them on   XXXX   XXXX   XXXX  . In  XXXX , I noticed that I was charged a late fee for the   XXXX   payment, which then triggered a delinquent mark on my credit report. I had another late fee charged the following month due to an error made when LC tried to remove the  1st one , but instead added a second fee. Both late fees were removed on   XXXX   XXXX   XXXX  . Each time  I  email  LC , they respond with the same automated message. ( see attached ) I first contacted LC on   XXXX   XXXX   XXXX  . I was told that LC will make an inquiry on my behalf and email me a confirmation ticket number for this inquiry. That ticket number never came. I made a follow up call and sent an email in  XXXX  and was told the same thing again, with no ticket number following. On   XXXX   XXXX   XXXX  , I again emailed and called LC and the customer service agent put in the actual inquiry at that time for me because the ticket number never came. In the process of refinancing my home in  XXXX , I was told that the delinquent mark was still showing on my credit report and I was denied loan approval. On   XXXX   XXXX   XXXX  , I emailed LC again requesting the delinquent credit mark be removed. There was no response from LC. After being denied again with another mortgage lender, this lender and I called LC again on   XXXX   XXXX   XXXX   to check the status. We were told that  LC had not received any emails that I previously sent. I asked to talk to a supervisor and when that person came on the line, I was told they would send my request personally " to the appropriate department ''. The matter is still not fixed as of today 's date.
Product: Credit card or prepaid card

Today, XX/XX/20, I applied for an Apple Card by Goldman Sachs Bank USA. I was denied and the only reason stated was " You have recently been past due. '' I immediately pulled a XX/XX/XXXX credit report since that is the report that was used in determining my eligibility. My XX/XX/XXXX report doesn't show any late payments. I even went back 2 years. I also called XX/XX/XXXX to ask if they saw anything different. They confirmed that they also did not see any late payments reported. So, I called Apple Card by Goldman Sachs Bank XXXX XXXX XXXX and asked this issue to be looked into further. The Apple Card manager from the XXXX XXXX XXXX XXXX of the President department that I spoke to, XXXX, said this issue couldn't get escalated nor investigated. I asked him what exactly " recently '' meant in their terms and he said he wasn't allowed to provide any specifics on the definition of what " recently past due '' meant.
Product: Debt collection

In mid XXXX XXXX wells Fargo called me and asked if I wanted to do a settlement on my credit card for {$1700.00} on a 9 month payment plan. I was told I had to make first payment within 30 days. on XX/XX/XXXX i mad a {$10.00} dollar payment on my bill pay just to see if I could pay the debt through my online account it went through. i called wells and asked them if i paid the {$1700.00} within a month would the do a paid to delete they said it was not something they do but didn't have a problem putting paid as agreed. on the XXXX of XXXX i paid {$180.00} on my bill pay. as agreed that was the date i agreed to pay first payment. On the XXXX of XXXX I gave them {$850.00} this is were it got all messed up on the XXXX of XXXX i called to pay the remaining balance of {$500.00} I was told i had a remaining balance of {$180.00} and the {$180.00} payment never went through on my bill pay and wasn't showing i ever paid it or it was ever processed to be so after about 5 hours on the phone we all agreed that i was to pay the XXXX again i told them i had no money left to pay to times so i paid the last {$180.00} the next day the {$180.00} came out of my bill pay that was agreed wasn't suppose to come out so after another 4 hours on the phone and un countable transfers was told it would take 10 business days to investigate. i was very upset they would even give me a credit after 10 working days I called and said one was never started with the write department and had to start over another 10 working days and about 7 hours on the phone was told would fix credit to paid as agreed for the inconvenience. and reimburse the over payment that they still owe me then in in XXXX I called again spent 3 hours on the phone and after two week came back with no return of money and will not fix credit as agreed i would have paid all in a month and spent my whole stimulus check plus money if i had know all this
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent to Equifax : Thank you for offering Trusted ID, since my information was compromised. I am having a few problems and I ca n't seem to get anyone to help me. 

When I log in to Trusted ID Premier, underneath Credit Lock Status, I see that an error has occurred, and I am told to email customer.care. I get no response. 

When I click on my credit report, I see a few items that I have disputed, but no changes have been made. I have made 5 requests - I ca n't log in because of the error, but I call at least once a week. I have mailed and faxed repeatedly, and whenever I call, I am given a different fax number. Some numbers I have been given never answer. I have been put on hold for hours, been hung up on, and been told to fax additional documents, which I have done, but there is still no resolution. 

I paid {$500.00} to get my home appraised, and my refi was declined because I have all of this outstanding debt - which is not my debt. I understand that companies have 30 days to fix errors, but what if the mistake belongs to the credit bureau? I have been trying for months. 

The specific items : XXXX, XXXX - this is not my loan in Texas. It belongs to a person named XXXX XXXX. My mortgage is with XXXX XXXX : XXXX - this is not mine XXXX XXXX - not mine XXXX XXXX : XXXX - not mine - I do n't have a car loan, but my prior loan was with XXXX XXXX XXXX : XXXX - not mine XXXX XXXX XXXX : XXXX - this is not mine If you scroll down to associated addresses, I have lived in the NC locations, and a person, who I have never met ( XXXX XXXX ) lives in Texas. Please remove those Texas addresses. 

My social security is : XXXX XXXX XXXX 's social is : XXXX My birthday is XX/XX/XXXX XXXX XXXX 's birthday is XX/XX/XXXX I have fax confirmations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I do n't have receipts from mailing documents as I assumed this would get fixed.
Product: Credit reporting or other personal consumer reports

I made a payment to pay down my balance like I always do on XXXX the XXXX. 2 days later discover reported to the credit bureaus that my balance was still almost {$900.00} more and they did not include the payment that I made. Now on all my credit reports it's showing that my balance is over the limit and it's not and it made my credit score drop XXXX points in one day.
Product: Credit reporting, credit repair services, or other personal consumer reports

The most recent card opened in 2017, I don't recognize and I don't/never had an account with. 

Most Recent Account XXXX XXXX ( Opened XX/XX/2017 ) It also says I have {$18000.00} in revolving debt that I do not know about. I have my credit cards that I know and I have a small balance on one ( > {$2000.00} ). 

So I am confused ... either that is a mistake or someone took a credit card out with my information.
Product: Credit reporting or other personal consumer reports

I looked at my report. I sent a letter to experian, XXXX, XXXX on XXXX asking them to reinvestigate these accounts : elan fin XXXX status XX/XX/2023 balance XXXX recent payment XXXX  monthly payment XXXX, high balance XXXX, and XXXX XXXX status update XX/XX/XXXX, past due XXXX, highest balance XXXX monthly payment XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report 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. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report 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. Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent XXXX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice. 
In accordance with the FAIR CREDIT REPORTING act XXXX Account number XXXX XXXX, XXXX XXXX, XXXX XXXX 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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

I am a XXXX XXXX XXXX XXXX XXXX XXXX. I was using PayPal service for conducting online auction transactions for years. PayPal initially put a hold on my account then ultimately drained all of my funds of around {$2200.00}, claiming it was liquidated damages for violation of their terms of service. I repeated inquired for specifics about why they took my money but they never provided any specific act. This was outright theft. My username was XXXX and registered under XXXX XXXX XXXX. I have made several attempts over the years to resolve this issue but have been rebuffed each time.
Product: Credit reporting

I did not authorize Screening reports, initially i submitted an application for an apartment, but I decided against it. I called the leasing agent and let her know I was no longer interested in living at that complex. The leasing agent kept my application fee of course, but she was not supposed to pull my credit report. I never received any information in regards to being approved, denied, or just a follow up. My information was wrongly used and pulled after the leasing agent informed she would shred my information. Upon calling the company they confirmed that they had my signature to pull my information after the fact. I last month inquiring of why I had a credit inquiry from a company that my information was still pulled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX # XXXX, XXXX card XXXX # XXXX, XXXX XXXX bank # 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2023 I have been trying to get my credit report updated with correct information. I have disputed incorrect information on my credit report XXXX times via Certified XXXX mail and on Transunion 's website. I explained that the bankruptcy record was incorrect and asked for the deletion of the record. explained to Transunion how the information being reported was incorrect. I also disputed the information with XXXX, a known data furnisher. The bureau failed to remove the record from my profile, despite erroneously and impartially reporting data about me. I educated myself on my consumer rights. To my understanding, all information being reported about me must be thoroughly correct, otherwise, it should be removed from my credit report. After several attempts, Transunion has failed to remove the incorrect record. I also requested information on how Transunion investigated and validated the erroneous information. I asked who furnished it. 
XXXX provided me with a letter stating that they contacted Transunion to update them regarding unverifiable consumer data. I have attached that letter. Transunion has not removed the public record from my report nor have they told me who validated the information.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a critical matter regarding fraudulent items on my credit report. It has come to my notice that unauthorized entries have been reported, severely impacting my financial credibility. This complaint serves as a formal request for the swift removal of these fraudulent items from my credit report. 

Upon discovering these unauthorized entries, I promptly initiated the dispute process as outlined by Credit Bureaus, providing all requisite documentation, including police reports and affidavits, to substantiate my claim of identity theft and fraudulent activity. 

Considering the significant ramifications for my financial stability, it is imperative that you expedite the investigation and removal of these fraudulent items from my credit report. Swift action is paramount to mitigate any further damage to my creditworthiness and restore the integrity of my credit history. 

I hereby request the following actions to be taken without delay : Immediate removal of all fraudulent items from my credit report. 
Written confirmation of the removal, along with updated credit reports reflecting the correction. 
Assurance of ongoing monitoring and protection against potential future instances of fraud or identity theft. 
Given the urgency of this matter, I urge you to prioritize its resolution accordingly. Failure to address this issue promptly will compel me to escalate my complaint to relevant regulatory authorities and explore all available legal avenues to seek redress. 

I trust that you will treat this complaint with the urgency and seriousness it warrants. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$87.00} XXXX XXXX XXXX Balance : {$100.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$8800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax onXX/XX/XXXX and failed to reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to inform you about some incorrect information I noticed on my TransUnion credit report I have 3 collections from XXXX XXXX XXXX in the amount of {$1000.00}, {$4000.00} and {$5800.00}. The collection agency told me they would have this false information removed and it has not been yet. I have a letter stating the removal of these accounts. 

Also Collection account XXXX XXXX, I do not have any knowledge of this account and XXXX XXXX XXXX is reporting a collection for XXXX XXXX  XXXX in which I filed a Identity theft report for that account thru the FTC. This is for this account and the account XXXX XXXX that is on my account.