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

I been trying to solve this problem for some time with your agency and the corporations you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). I attached the credit report for account XXXX to show the discrepancy in payment history reporting to the credit reporting agencies. How can each bureau report different payment history for the same account? I am a litigious consumer meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. These items should be deleted immediately per FCRA guidelines : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Affirm that was paid off on XX/XX/2023. I have the proof. I called the company. They did not remove it yet they were reporting every 30 days before I paid it off. I disputed the account with XXXX twice and even gave them the proof and they came back with the creditor has verified that the account is accurate. Which proved that XXXX paid no attention to what was sent to them. I then called Affirm again and they still refuse to remove it. SOmething about 60 days. It is now XX/XX/XXXX and it's still not removed. The payment is affecting my dti and the information on my credit report is not accurate. XXXX did not do its job and neither is Affirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a XXXX XXXX through Credit Acceptance XX/XX/XXXX for {$26000.00}. The vehicle was unfortunately totaled XX/XX/XXXX. After the insurance company made an insurance payment of {$10000.00}, Finance Charge Rebate of {$10000.00}, XXXX cancellation of {$2000.00} and a few payments made by me, Credit Acceptance made a settlement of {$800.00} in lieu the balance due of {$4300.00} XXXX. 
I have found out that I have been denied credit due to the balance still reporting as " outstanding '' on my credit reports. I am a business owner, and I was trying to obtain business loan financing which require a check of my personal credit. I was told on more than one occasion that this outstanding negative debt was the reason I was denied even with a 700+ credit score. 
I was denied a $ XXXX loan at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX $ XXXX Equipment leasing loan $ XXXXXXXX I contacted Credit Acceptance on XX/XX/XXXX and spoke to a regular customer service representative and their supervisor. I advised them of the error that was reporting and that I was being denied credit due to their error. I was told they would mail me a credit dispute form that I would have to mail back to Credit Acceptance so that they could research the issue. This process is now 2 months in.

I called today and spoke to a rep who advised me that they did receive my dispute letter, and it has been resolved. I asked for the resolution info, and she said it was not available. This is where my frustration sets in with them. It is a long-drawn-out process that is costing me time and money. Not to mention the opening of my new location has been delayed because of this. I also provided them with THREE letters that they sent to me which says that I have settled the balance in full but yet they are still reporting to the credit bureaus that my balance is outstanding. I mailed those 3 letters back to them as proof that THEY know that I don't owe them anything. But still, they continue to report a balance on my credit reports. This has cost me a lot of money. I researched Credit Acceptance and what they are doing to me has happened to others and even worse. I need help with this resolution to these unfair credit reporting practices, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account was opened fraudulently. I filed a dispute, but they still wont take it off my credit. ( XXXX ) The debt collector shows as XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX. ( XXXX ) debt Collector XXXX XXXX XXXX, The original Creditor is XXXX XXXX XXXX. ( XXXX ) debt collector Amsher Collection Service, The XXXX debt collector is XXXX XXXX XXXX. ( XXXX ) the debt Collector is XXXX XXXX XXXX. The Original Creditor is XXXX The XXXX XXXX XXXX. I need them to send me proof of the Original Contract and the Original Creditor. I need them to send me proof of my wet signature from the original creditor. If I dont receive any documents within 30 days they will need to remove the accounts from my credit report. Asap
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the FCRA inquiries are not a matter of fact, you are obligated to verify the information or not reported to your users. Please prove that the creditors has my signature requesting these unauthorized inquiries, or if this is impossible, or unverifiable remove them immediately. Per FCRA 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Consumer Loan

santander bank issued me a over draft acct that i neither asked for now want. they gave me an over draft bill of XXXX which i promptly paid and told the bank rep on the phone. she assured me that after i paid it they would take it off my acct. the following month XXXX was added on as another fee that they said i had to pay for this over draft acct. when i paid the XXXX dollars the rep assured me that this was all i owe and it would be paid off and taken off. i called santander banks fraud dept and got the run around and put on hold for over an hour where they disconnected me 3 times. now there is a collection rep who has called me every day for a month to pay that bill plus late charges and other fees which now total XXXX .i am at wits end because now they 've closed all of my acts and put a negative rating in my credit score which will prevent me to cosign for my daughters student loans. i want to sue them for fraud and punishment damages for putting me into an account i did n't ask for and am forced to pay for. even if i pay this santander tells me that i ca n't get rid of this over draft acct.
Product: Credit reporting

There are several things on all XXXX of my credit reports ( Equifax , XXXX and XXXX ) that are inconsistent with each other. I understand that different creditors report with different agencies however, I am trying to repair my credit and I 've been unable to obtain even a local department store card.
Product: Student loan

Nelnet claimed I was taken out of IDR proc admin forbearance on XXXX XXXX, XXXX. This is not true. See attachments.
Product: Checking or savings account

My friend sent me {$250.00} payment via XXXX transfer from his XXXX  XXXX XXXX account to my Ally Bank checking account on XX/XX/2021. This {$250.00} XXXX transfer was successful and the money should arrive in my Ally Bank account instantly. However, it didn't happen. Instead, Ally Bank is holding my money and doing a compliance review on this incoming transfer. Such reviews never happened in my incoming XXXX transfers before. It is not stated in Ally Bank website regarding XXXX transfer policy either. 

I request Ally Bank to immediately release this {$250.00} to my Ally Checking Account without any further delay. This {$250.00} money must be release to my Ally account IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding  # XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to report a violation of the Fair Credit Reporting Act by LVNV Funding . This creditor has re-aged an account on my credit report, which is a violation of the FCRA. This account should be removed immediately from my credit report. The creditor has reported an account that was closed in XXXX as being open and active in XXXX. This is a clear violation of the FCRA, as it is illegal for creditors to report inaccurate information about accounts that have been closed or paid off. 
Reaging an account is a violation of the Fair Credit Reporting Act ( FCRA ). This act states that creditors must not report inaccurate information about a consumer 's credit history. Reaging an account involves changing the date of delinquency on a consumer 's credit report to make it appear as if the debt is more recent than it actually is. This can have a negative impact on a consumer 's credit score and can lead to higher interest rates or even denial of credit.

I have included documentation with this letter to prove that the account was closed in XXXX and should not be reported as open or active on my credit report. I request that this account be removed from my credit report immediately and that any negative impact it has had on my credit score be reversed. 
Thank you for your time and attention to this matter.
Product: Credit card or prepaid card

Back in XX/XX/2019 there was an account open with my name. I did not authorized to have this account open by me personally. It wasnt up until several months later that i was getting notifications that i owed money to this account. The amount right now is XXXX.d I tried contacting with the credit card company to resolve this issue because it was affecting my credit score in a negative way. The credit card company told me that there was nothing fraudulent about the account and that it was going to stay in my credit report which i thought was not the right thing to do.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX. The bank has reported erroneous information on my credit reports that has negatively impacted my credit score. Despite my attempts to resolve these issues through direct disputes with XXXX, the discrepancies remain unresolved.

Specifically, the following issues are present on my credit reports : Inconsistent Balances : The reported
balances for my XXXX account are inconsistent across all three major credit bureaus ( Equifax, XXXX, and XXXX ). These discrepancies are misleading and do not reflect the actual account balances as per my statements.

Late Payments : XXXX XXXX  has incorrectly reported late payments on my account, even though I have consistently made all payments on time. This is inaccurate information that is affecting my credit standing.

I have already made several attempts to dispute these inaccuracies directly with XXXX XXXX  by [ briefly describe any dispute methods used, e.g., submitting disputes, calling customer service, etc. ]. However, despite these efforts, the errors have not been corrected.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate and consistent information is reported to the credit bureaus. Additionally, I request that XXXX XXXX  be held accountable for their failure to properly correct these inaccuracies and for not resolving the dispute in a timely manner.

Thank you for your attention to this matter. Please feel free to contact me if you need further information or documentation to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$730.00} ; XXXX  XXXX XXXX Balance : {$180.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$190.00} ; XXXX  XXXX Balance : {$25.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I have been a Citibank member for over twenty years and have had my CitiXXXX Checking Account Since XX/XX/XXXX At the XXXX Branch. 

On XX/XX/XXXX I noticed that over XXXX days, money had been taken from my Citibank XXXX account - a total of {$640.00} of Fraudulent Transactions. I called Citibank XXXX and the money was provisionally credited to my account. 

On XX/XX/XXXX I looked at my account and the money reimbursed was taken away. 

On the same day I went personally to the Bank and along with the Bank Manager called the XXXX Bank accounts. 
On the call we were told that case number XXXX was closed. 

I was asked if I knew XXXX XXXX who used the money to pay {$640.00} to pay a XXXX XXXX account. 
I replied NO, I DO Not Know her ( XXXX XXXX ) I was asked another question Did I give my routing Number to someone I answered NO, this money was stolen from me. 

On the call from the Bank phone we were told there would be a new Case investigation - Case XXXX. 
I was given over the phone a new Case number and was told I will be notified via email. l never was. 

I followed up with Citibank on XX/XX/XXXX to ask about the new Case Case XXXX. I was told the Case did not exist, my case was closed. 
A phone number for XXXX XXXX was included for follow up, for me to call XXXX XXXX. 
I called XXXX XXXX and was informed they only provide information to a XXXX XXXX. 

On XX/XX/XXXX I asked Citibank to put a stop payment confirmation to XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX. This was done while on the call with CitiXXXX 

As of XX/XX/XXXX I have not been credited the {$640.00} to my CitiXXXX Checking account. I am waiting for that money to be reinstated. 

For Security purposes I have closed the old CitiXXXX Checking account ending on XXXX and opened a new CitiXXXX Checking account NO. ending in XXXX.
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 : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXXXX/XX/XXXX 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: Credit reporting or other personal consumer reports

Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

The presence of these fraudulent items not only tarnishes my reputation but also poses a serious threat to my financial stability and credibility. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. 


I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

XX/XX/2020 called PNC Bank to get payoff on mortgage. We were given email XXXX XXXX XXXX and the info they required and told they would mail us a payoff total. 
XX/XX/2020 We made an online payment of XXXX to go to our principal of XXXX. Their system would nor allow us to pay the XXXX. 
XX/XX/2020 Instead of paying the full amount of our payment to principal they made a single monthly payment to the mortgage and then applied the remaining XXXX to the principal. We also explained that we have not received our payoff total. They told us to fax the request to XXXX and fax XXXX so we faxed to these numbers. We were also told to allow 7-10 days and that we would receive payoff total and growing interest total in the mail. We also noted that PNC took out XXXX for PMI evwn though we obviously havw paid down more than thw 20 % required. We were also told that they will not allow us to pay the remaining XXXX at this time. There is also a XXXX outstanding fee showing up on the account that we do not know what it is for and it does not show what date it was added to the account. 
Today is XX/XX/2020, Twenty days after our initial request for a payoff. We now have another monthly payment due on XX/XX/2020 of XXXX. 
Can you help us with this? We jusr want to get our house paid off. We are an older couple that are not working due to XXXX and XXXX and do not want this hanging over our heads accruing interest.
Product: Prepaid card

I received a NetSpend prepaid master card in the mail today, which I did not request.In their disclosure they admit that they received my name & address because I indicated interest in offers similar to this and not in response to an application. They are lying because I have not expresses an interest in a prepaid card. I have a real credit card and a Bank that I have dealt with over 30 years. 

This madness started when I was doing a job search on a site for XXXX about a month ago. I immediately started receiving tons of spam by email & telephone.. NetSpend said to opt out of this offer & future mailings to call XXXX or if you want to activate it call XXXX. I called the number to opt out, expecting to speak to a live Rep but it was not to be. The automated line stated to press option XXXX to opt out & asked for the card number. After entering that info, it requested that you hold on until they activate the card?? I hung up before the next message came on.This is on the opt out line. This is nothing but a scam because I did not request or need this.
Product: Debt collection

Situation : I have has couple of Chase bank accounts from really a while maybe 2009. And I had few unauthorized charges on these accounts. I contacted Chase bank on many occasions, on phone they started investigation, but in the end of the month I used to get the same statement. I gave them a call, - the same procedure, took the details, placed me on hold, apologized, and said someone will contact me if they need any additional information. I also contacted the billing resolution by mail. After 3 months, the account was closed due to nonpayment. No investigation was even started as required by Federal law. Then Chase bank will collections called me, I explained the situation they noted the account. Then they sold the debt to XXXX, who seems to be very aggressive. Tried to sue me for all the accounts from Chase. Unsuccessfully unfortunately. Now I have disputes the collections on my credit files. Midland XXXX started the investigation, but its been already half a year. And still no results, but placing into a different credit bureaus. I contacted XXXX - they removed, then XXXX places to other bureaus. Then I need to complain there and get it removed. XXXX XXXX is like XXXX, once XXXX portion is fixed - another portion gets reinfected. 

Now I am running out of patience, I am will be involving all the Federal government agencies, the State Senator, Attorney General, Department of Justice and the news agencies. I saw XXXX only stops when others over-complaint and once big lawsuit by the state is taken. But if thats what cures the XXXX, I guess I have no option? 

Keep in mind the one that they are actively reporting after 6 months of re-investigation with no results : 1 ) Balance was positive XXXX 2 ) Charges were XXXX 3 ) In the end i was owning Chase bank XXXX 4 ) XXXX reports and demands for {$2500.00}
Product: Credit reporting or other personal consumer reports

Data Breach, reported from all credit bureau agencies in the past 89 months from Transunion equifax and experian and any other subsidiary agencies that provide information to about My personal information has been bought and sold and found on XXXX XXXX  along with information placed on my consumer report without my authorization or acknowledgment and it breaks my constitutional law and furthermore information of my personal life history put me and my family in danger and at risk. I need all negative information including inquiries late payments and or charged off accounts including any bankruptcies removed from all or any consumer report bearing my name address and identity immediately.