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

The purpose of this complaint is to have several unauthorized hard credit inquiries REMOVED from my credit report. I received a copy of my credit report from your bureau on XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim by the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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
Product: Credit card or prepaid card

I was shocked when reviewing my credit report to find late payments reported for XXXX - XXXX of 2020. I am not sure how this happened. I believe I made my payments when I received my statements. My only thought is that my statements did not get to me.
Product: Money transfer, virtual currency, or money service

Well I was a primary user as a cash app customer and they shut my whole account down some transactions have been takin out my account without further notice such as XXXX and etc I need all my money back asap
Product: Money transfer, virtual currency, or money service

Pnc not allowing XXXX XXXX access to my money
Product: Debt collection

Broke lease after I found out that the apartment was full of black mold and was causing illness. tried to resolve issues with the apartment complex to no avail. Made complaint with housing authority submitting medical documentation of pulmonary complications to no satisfaction. remaining financial responsibility turned over to collection agency that will not provide statements, and continue to charge interest on original amount. I have endured great stress and financial difficulty in finding housing because of the breaking of the lease. I am a XXXX living on a limited income and these practices are causing great hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a late payment on my account claiming it to be 30 days past due! My account is not past due and all my payments are current. This report dropped my credit score 53 points! This is not the first time that this finance company has put wrong information on my credit report and before filing a complaint I tried to handle the previous situation with no luck. They need to contact ALL OF THE CREDIT BUREAUS and have this information removed ASAP, for I am trying to purchase a property within the next few months.
Product: Credit reporting or other personal consumer reports

I have attempted on multiple occasions to file a dispute against the creditor XXXX XXXX. This credit is violating my rights according to the Federal Credit Reporting Act because it is reporting inaccurate information as well as inconsistent information across the three major bureaus ( XXXX6 missed payments, XXXX14 missed payments, & Transuion-14 missed payments ). XXXX is denying my ability to dispute these inaccuracies stating a dispute is already in progress. However their records show otherwise. TransUnion is also not allowing me to dispute these inaccuracies & inconsistencies. They also continue to deny me an updated copy of my credit report. 
I am also having an issue with XXXX XXXX. On my TransUnion report, this creditor is reporting this account as a charge-off, yet is also reporting the account as open, with one missed payment which is completely inaccurate and inconsistent. An account can not be both charged off and opened at the same time. This same account was removed from my XXXX account because of their inability to validate the debt. Yet this account is reporting on XXXX as a charge-off and closed. 
I am entitled to a complete and accurate credit report. These credit reporting agencies are refusing to do their due diligence and properly investigate my disputes when it is clear these accounts are reporting inaccurately. They are all violating my consumer rights! This is damaging to my reputation and is hurting my chances of buying a home. This account needs to be removed immediately.
Product: Credit card

I opened a credit card with navy Federal Credit Union. I put through a XXXX transfer for XXXX from a XXXX credit card XXXX on the XXXX of XXXX. On the XXXX of XXXX there were XXXX additional balance transfers reflected that were not mine. I contacted the bank and they told me they were XXXX cards and for a XXXX. I explained I do not know a XXXX and the cards were not mine and I did not put them through. They told me they would try and recoup the funds and it can take XXXX weeks. I called several times since trying to understand how this happened, what they are doing to investigate, and what happens if the bank the transfers are from refused to return the funds. I am not being given any information, Im being spoked to as if these are my charges. I am told I am fully responsible for the minimum payment despite the balance having an extra {$13000.00} on it that is not mine. The exact transfers are for {$9700.00} and {$3300.00}. I would like these removed from my card and explained how this happened. And why Navy Federal Credit Union has not opened an investigation. And why I should be responsible for the full monthly payment.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to discover that I am a victim of identity theft. I found multiple accounts that were not opened by me, which have been damaging my credit as I'm in the process of buying a new home. Please remove these fraudulent accounts from my report immediately. I am requesting that the company does what is fair and deletes the items identified as identity theft from my report. The accounts listed are the following : XXXX XXXX Account # XXXX {$XXXX} opened XXXX XXXX XXXX XXXX Account # XXXX {$XXXX} opened XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, Im writing this letter to dispute the following accounts : Fraudulent Accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX By reporting the accounts listed above your company is in violation of 15 U.S.C. 1692g.I was not notified of any of this alleged debt, nor the reporting of this alleged debt 5 days prior to any action being taken against it. As a consumer, and 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, as any reporting of alleged debt that is not validated is an act of fraud. Please also send me an updated credit report reflecting these changes.

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 legal 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: Payday loan

I received a bank statement in the mail for an account I have n't used in over 3 years. I did not apply for any payday loan. had no idea that bank account was still open. 

How could they have done that? I did not agree to anything did not sin anything. I want that money reversed and given back! 

It was an ACH from Radiant Cash on XXXX/XXXX/16 for {$500.00}. 

Please help with this.
Product: Credit reporting or other personal consumer reports

Experian management or employee working on this case need to be fired How hard is it to pick up the telephone and calls the Department of education how hard is it to get up off your tail call the department of education today I will not comply with any mail sent in the mail. I will not respond to any mail sent in the mail, the law dont require me to the law requires me to file XXXX dispute remove all student loans I have XXXX student loans XXXX student loans what part of XXXX do you not understand I have XXXX student loans Call the department of education right now
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 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: Mortgage

I had filed and was awarded bankruptcy in XX/XX/XXXX. Included in the bankruptcy was a home that had been awarded to my ex-spouse during the divorce under XXXX XXXX. My credit report shows the loan was discharged due to bankruptcy in XX/XX/XXXX and XXXX discontinued reporting on my credit report. 
My ex-spouse had stopped making payments on the house and subsequently, the loan company started foreclosure proceedings. I was no longer responsible for the loan, with the discharged bankruptcy on court record however, in XX/XX/XXXX, XXXX XXXX sold the loan to another company, Caliber Home Loans. Caliber proceeded to put me back on the mortgage, even with the discharged bankruptcy and began reporting on my credit report XX/XX/XXXX that the loan was over 180 days past due. I contacted Caliber, gave them my bankruptcy information, my attorney 's information and asked them to remove the information from my credit report. I was not a part of that loan when they acquired it in XX/XX/XXXX as the discharge was in XX/XX/XXXX. They have failed to do so even at the request of my attorney, proof of the bankruptcy discharge and request of myself. The are still reporting on my credit report.
Product: Debt collection

EXETER FINANCIAL HAS SOLD THIS DEBT TO XXXX XXXX WHEN MY INSURANCE PAID EXETER FINANCIAL AND THEY ACCEPTED PAYMENT AS PAID IN FULL DO TO A TOTAL LOST OF THE VEHICLE
Product: Credit reporting, credit repair services, or other personal consumer reports

I issue a dispute to equifax regarding XXXX account. This account doesnt belong to me. Ive tagged a photo showing the account was removed, if this account was removed and is all of a sudden reappearing on my account thats reinsertion! I received no notice or notification of reinsertion. Thats a violation Im asking for a removal of this account from my credit indefinitely. XXXX and XXXX have followed suit and removed account why XXXX is still showing it Im not sure
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to XXXX XXXX and the credit reporting agencies for months disputing the incorrect reporting that XXXX has put on my credit reports. XXXX is reporting late payments for months after my account with them was paid in full and closed. I received letters from XXXX stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to XXXX to be sure that they received it. I have written to XXXX XXXX dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). XXXX absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. I have disputed this with Transunion, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.
Product: Checking or savings account

I received a copy of my XXXX XXXX XXXX record and I have found several inaccuracies in the report, and my consumer ID number is XXXX. 

The following information is inaccurate : USAA Account # XXXX marked as fraud USAA Account # XXXX marked as fraud In detail, you recorded that I had non-sufficient funds/checking account fraud with USAA on or around XX/XX/2018. I am disputing this record because it is inaccurate due to identity theft. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litagtion due to the stress you caused me. My information was also impacted the XXXX  data breach and may have got into the wrong hands.
Product: Debt collection

The CFPB alleges that XXXX has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that XXXX is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, XXXX uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. XXXX routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when XXXX has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, XXXX sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. 
Improperly reinserting inaccurate information on consumer reports : XXXX has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, XXXX improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher.
Product: Debt collection

I know newspapers are struggling to stay in business these days because it seems only old people read them. But they can not force you to take their paper. We had a 13 week subscription, for {$27.00}, that had ended. The XXXX sent a renewal for 13 weeks for {$55.00}. My husband decided it was too much money so he wrote cancel on the renewal and returned it to the XXXX. The XXXX continued to deliver the paper and send us bills. The XXXX called day and night to get us to renew. We kept telling them we did not want the paper to take us off their phone list. Then a women called from the XXXX to say we had to pay for the papers. I told her we had not ordered them and were not going to pay. We then received a letter from A.R.M. Solutions, Inc. at XXXX. XXXX XXXX, XXXX, Ca XXXX a collection agency. All this time the XXXX kept calling to get us to take the paper. Finally someone offered my husband the paper at a cheap price for 13 weeks. He said ok, then they told him he would have to pay the {$55.00} for the papers we had not ordered. He told them to forget it. My husband is XXXX years old. He enjoys reading the paper, but not at any price. I do n't like to be taken advantaged of. At the advice of the Consumer Financial Bureau we sent a letter to the collection agency saying we disputed the charge. This is very stressful.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, reviewed my credit report and found the following item ( s ) to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported my score incorrectly, because they claim that I owe existing amounts to a debt collection agency for medical payments. Even though I have already send them a proof of medical insurance at the time. They also claim that Ive also yet paid my XXXX XXXX payment, but I have proof of payment and the payment being made on time. So this continues to effect my credit score without any help to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, and XXXX XXXX XXXX XXXX  account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 i became aware that a loan was open at Ally Financial bank. I called Ally Bank to resolve it due it it being fraud for the amount of XXXX i told them on XX/XX/19 that i did not have a valid contract with them and i have never purchased any type of vehicle with them. I told them that i would contact the police if they didn't remove this fraudulent account that was not done by me. I have never given them authorization to us my credit report to purchase any type of loan.
Product: Vehicle loan or lease

On or about XX/XX/XXXX I went to XXXX XXXX in XXXX Mississippi to trade my XXXX XXXX XXXX in that I owed {$3100.00} dollars on. The car I wanted, an XXXX XXXX had sold already and the XXXX XXXX XXXX insisted I drive the XXXX XXXX XXXX that they had just acquired. I ask if the XXXX should any wrecks and was told it was clean ,0 wrecks. After sitting in the dealership for over 6 and half hours I was taken to the finance office at XXXX and rushed thru signing of papers and was not explained anything even who was my lender. I was only given a bill of sale and temp tag. For over 3 months I complained about not getting my registration or permanent Tag and than had a problem with starting of car so took to dealership to sit for 4 hrs because needed a new battery and they was waiting for XXXX XXXX to deliver and would be few more hrs. I had to be and work so I drove the mile away to XXXX XXXX and paid for the new battery myself and as the worker from Auto Zone was placing the battery in He stated " Man what did you hit in this fine car? '' I looked anf said " This car has not been in a wreck '' He laughed and said " its had extreme front end damage '' I went straight back to Dealership to XXXX XXXX an ask about the wreck and He again assured me it had not but that yes he would pull XXXX and show me. When He pulled XXXX, it immediately said had been in a front end accident. He said he was sorry but that he didn't know. So I was lied to from start and they would do nothing about it. Less than a month later after still not receiving any paperwork from lender, my car was repossed by American Credit Acceptance and was not allowed to know location to pick my belongings up which includes the rains of my dead Brother XXXX XXXX but was told until I turned in my auto keys I could not get anything and still do not have my stuff or my brother. After this happened, I learned that I now owed {$15.00} XXXX dollars on this XXXX because I had unknowingly purchased extended warranty an Gap from XXXX XXXX in amount of over {$5500.00} dollars. I've been given no help even after going to dealership and requesting these warrantys and gap be immediately dropped and terminated yet still to this date they are active. I want my remains of my Dead brother and my personal property immediately and than want my XXXX XXXX back for false statement of wreck and illegal financing of full discloser not being given In fact the finance company American Credit Acceptance didn't even have my right address that was on my registration and tag papers by had an old address from 2 yes ago and they claim that's why I never received payment book or letter to repossessed car. Hello I Dont send the papers in XXXX XXXX did. I need help please. I've lost my brother, my mother, my job and my house due o XXXX yet my Government hasn't helped. At this point I feel ashamed to be a former XXXX XXXX member and citizen of the USA. I pray someone corrects this asap. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was using my Sephora Visa Rewards CC, issued through Bread Financial, to pay my rent ( earn rewards ) and had an auto-pay through my bank ( XXXX XXXX XXXXXXXX ) set up. Due to other cust svcs issues w/this card, I changed the card I was using and canceled the payment through XXXX ( received confirmation the payment was canceled. ) XXXX sent the pmt anyway ( {$2700.00} ) on XX/XX/XXXX, which created a negative balance on that XXXX of about $ XXXX. I called XXXX, and we got on a call w/the issuing bank ( Bread ) and asked for a refund immediately. I was told I would have the FULL pmt returned by XXXX. it is not in my account today. When I called the issuing bank, they said they could see I called but no one put through anything to effect the refund. The payment was processed a couple days after it was made, so Bread has been sitting on a - {$1800.00} - thats a NEGATIVE - balance for nearly two weeks. I was told today that they dont know when theyll be able to refund it, and I will have to call back to check on it because another dept handles it but evidently they couldnt transfer me to them. This is obscene for a company to hold such a massive negative balance. They told me I had to FAX- in the year XXXX (! ), FAX- some paperwork to effect a reversal of a fully electronic transaction (! )? I dont have access and said as much. I was given no timeline of when they will refund my money. I do not have {$2700.00} to just sit with someone else ( the actual payment to the correct creditor went out the same day, too, so I this is financially painful for me. Companies should not be able to hold onto money that is clearly sent in error. They had the actual audacity to suggest they would first deduct the $ XXXX minimum payment due today before refunding, and I said ABSOLUTELY NOT. Thank you for any help you can provide.