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

Equifax obviously lost my data and in the process gave a misleading website designed to get people to forfeit their ability to complain about this terrible breach, under the guise of checking your " status ''.
Product: Bank account or service

When I recognized that my transaction posting via the app was not aesthetically similar to other check deposit transactions, I called to inquire about its validity.. ( mind you I made a deposit on Friday evening for an undisclosed amount ) I call Chase and speak to a fraud specialist and explain to her that someone put money in my account ( duh, it was me but forgot that I had made that deposit ) without my consent. 

Half way through the conversation my brain reactivates and I tell this representative ... " Oh! I now know what happened.. I received a check from work and made that deposit myself ... The reason I was confused was because the post on your Chase app was TOTALLY different.. generally there is a check icon next to a paper check deposit transaction.. '' She then says.. " Oh ok! That makes sense.. Let me get back to you in 2-3 minutes '' .. 

I wait.. 

She comes back onto the line and says " I regret to inform you that Chase has closed your account and has terminated our relationship with you. We will not disclose any further information '' I followed up with a local branch manager the following day to inquire about the situation only to find out that my account had only been restricted, and worse case scenario I would be able to pick up a cashier 's check for the remaining balance. 

Chase, without my consent, wrote a check and sent my money to the incorrect address.. They claim they notified me via letter but I have not received one.
Product: Credit reporting or other personal consumer reports

When I noticed the inaccuracies on my report this afternoon, I initially thought it might be a browser glitch. I refreshed the page, hoping the problem would disappear, but it remained. The incorrect accounts persisted even after reloading the page.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This account was closed by the creditor on XX/XX/XXXX. My total balance due by XX/XX/XXXX was {$520.00}. On XX/XX/XXXX, I paid the balance in full, which left my account at {$0.00}. After the account was paid in full, XXXX proceeded to apply interest charges and late fees. In XX/XX/XXXX, XXXX reported that the account was late to the credit bureaus. I contacted XXXX to inquire about the charges, which were reversed and corrected due to the account being paid in full. However, no changes were made to the credit bureaus. I completed a dispute with all 3 bureaus in XXXX, which all were corrected with the exception of XXXX, which not only reported I was late in XXXX but reported I was also late in XXXX. I contacted XXXX on XXXX and learned that my account had a credit for overpayment in the amount of {$2.00}. I was told I must email the credit reporting department with the error. I emailed the credit reporting department to be advised a refund was being sent, but a " good will adjustment '' could not be made on my account. Please refer to CFB case XXXX, stating the company contacted the credit bureau to remove the delinquency. However, report was made on XX/XX/XXXX to TransUnion with the payment status updated to 30 days past due and on XXXX/XXXX/XXXX to XXXX. There should be no reporting after XX/XX/XXXX. The company keeps stating they are doing a courtesy adjustment when the error was on their end. I paid the full balance well before the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Midland Credit Management has defiled my credit with XXXX accounts that I have no knowledge of. I never received anything in writing that verifies this debt belongs to me. It's been a very stressful and emotionally tumultuous battle trying to fix this issue. The negative impact on my credit score is keeping me from moving forward with my desired endeavors like buying a home or car.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of several student loan accounts on my credit report. These accounts were in deferment and good standing while I was participating in the U.S. Department of Education 's Total and Permanent Disability ( TPD ) discharge program. The accounts were subsequently paid off through this program, yet they are being reported as closed without accurately reflecting their deferment or paid status. 

The accounts in question are : Account # XXXX : {$8500.00} ( closed XX/XX/XXXX ), {$2000.00} ( closed XX/XX/XXXX ), {$860.00} ( closed XX/XX/XXXX ). 
Account # XXXX : {$36000.00} ( closed XX/XX/XXXX ). 
Account # XXXX : {$24000.00} ( closed XX/XX/XXXX ). 
Account # XXXX : {$2000.00}, {$8500.00}, {$36000.00} ( all closed XX/XX/XXXX ). 
The inaccurate reporting impacts my credit score and does not reflect the accurate history of these accounts. I have contacted the credit bureaus, but they updated only the remarks with a " dispute resolved - consumer disagrees '' status instead of making the necessary corrections. 

I am requesting that the CFPB facilitate an investigation to ensure the accounts are accurately reported as paid through the TPD discharge program and reflect their prior deferment status.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and notice that I had two late payments on an account that I was never late for. According to 15 u.s. code 1681e ( b ) the consumer report agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided proof with statements showing that these payments were late. if proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is closed but it has not been removed from my credit report. Also, a date on another dispute is incorrect and after investigating they said it was correct when it is not correct.
Product: Student loan

I have been paying for many years ( probably over 3-4 years ) between {$400.00} and {$500.00} per month in student loans to Great Lakes and other Federal agencies and institutions, and I owe today more than I did when I started paying. I have not missed any payments, and I called to verify why and they stated that in all those years making over {$400.00} in payments PER MONTH only ~ {$4000.00} went to the principal. They also said that I should pay more money if I want the balance to go down and offered no real advise as to how I can get this balance to go down quickly. They said that my balance goes up hundreds of dollars a month. I asked for help and their only solution was to get me to pay more. I started with ~ $ XXXX about 4 or more years ago and today I owe basically the same amount or more after thousands in payments. This amount will keep going up.
Product: Credit reporting or other personal consumer reports

Company name is XXXX opened XXXX XX/XX/year> this account was closed and charged of as bad debt when in fact this account was inaccurate and sold to a 3rd party company for my information. I've disputed it online and through the creditors and company itself.
Product: Debt collection

XXXX asks you to buy items to promote their sweepstakes. Although you pay them they do n't apply the correct payment, always leaving a balance you have to pay. I know I paid them in full. They call me XXXX or XXXX times a day, do n't leave a message and no identification of their telephone number which happens to be XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB - XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Money transfer, virtual currency, or money service

Type of Issue : Payment Pending with PayPal XX/XX/XXXX : We received email notification from PayPal stating, " You received a {$130.00} USD payment for your invoice '' from our customer. Relying on what PayPal told us, we shipped products to our customer at the address provided in PayPal 's email. The customer received the products by mail and is happy with them.

At no time did PayPal ever send us any email revealing that they had placed the {$130.00} in funds on hold. We discovered this by chance a month later when looking through old invoices, and discovered PayPal had changed the status to " payment pending '' without ever emailing to tell us that PayPal 's XX/XX/XXXX email was incorrect. 

We contacted PayPal, who told us more information is needed by the customer to complete the transaction ( PayPal refused to tell us what information is missing ).

Our customer said he provided all of the necessary extra information to PayPal. However, PayPal refuses to release funds it holding, or give a courtesy credit to our account ( we have done over {$70000.00} in other transctions with PayPal this year alone, with zero problems ).

PayPal employee " XXXX '' ( employee # XXXX ) told us today ( XX/XX/XXXX ) that we had somehow " misunderstood '' PayPal 's email stating that " You received a {$130.00} USD payment ''. XXXX claimed " you received a payment '' doesn't actually mean what it says. XXXX said PayPal would continue to hold our money until the customer gives them more information ( and again, PayPal won't tell us what information is missing ). 

XXXX also said PayPal doesn't need to send any follow up emails correcting their prior false email which we relied upon, since if we dig through the back end data in our PayPal account we can find that information. Bottom line : PayPal is keeping our money and thinks it did nothing wrong by emailing us that we had " received a payment '' and NOT ever taking any steps to notify us that the payment has been placed on hold prior to us shipping the products to the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023. Its been well over 30 days, I still have not received anything back According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights.
Product: Checking or savings account

Unable to open a new bank account with pnc bank, XXXX, XXXX XXXX XXXX due to accounts being opened fraudulently under my name in the past
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to request the immediate blocking and deletion of the fraudulent accounts listed below. These accounts were created without my authorization, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have them removed from my credit report. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my credit profile and noticed inquiries/ or collection that i have not given written instruction to 3rd parties to report to my file. According to The FCRA this is in violation of 15 USC 1681b- PERMISSIBLE PURPOSE. please understand that no consent is IDENTITY THIEF.
Product: Student loan

I received a loan from XXXX XXXX ( Navient ) in XXXX. The loan was for XXXX XXXX XXXX Navient has been used multiple times as a result of the actions that they have taken regarding these loans. They have been accused of payment processing errors and forbearance steering, resulting in higher fees and interest for borrowers. My loan should have been included in the original relief that was provided in XXXX with the Attorney General 's multi-state lawsuit. I was part of the original suit where each student was provided a check for an equal amount for the misrepresentation of payback options, I did receive a check from that, however when it came to for loan forgiveness due to predatory and misleading they did not include me. I contacted the Attorney General for my state and filed a complaint. In order to qualify it stated that you would have to have missed payments XXXX consecutive months. When the XXXX contacted Navient, they advised that my loan had never been in default. The information they provided is not correct. My credit report shows where I was continually reported for non payment. Navient also originated predatory subprime private loans to students attending for-profit schools even though it knew that a very high percentage of such borrowers would be unable to repay the loans. I was also advised that my Co-signer would be able to be removed from the loan, however that also has not happened. I have been paying on this loan that originated back in XXXX since that time however the loan has not decreased. In fact the loan was originally for {$4000.00} however it is now over {$8000.00}. I have been paying enough to keep it off my credit ( even though I can't afford it ) because I have worked hard to fix my credit that Navient helped to ruin. I am called multiple times a day regarding this loan and every time I have asked about trying to settle this loan, I was always denied. Every time I make a payment, the loan amount never goes down, it just seems to continually increase because the payment is going towards interest and late fees that I am steadily being charged. I feel as though my loan should have been included in the original lawsuit for forgiveness, however almost 20 years later, I am still paying on a {$4000.00} loan that is now at {$8400.00} with a 13 % interest. I just made a payment on XX/XX/XXXX of {$130.00}, however I am {$250.00} past due with a current amount due of with a current payment of {$120.00} due, and unpaid late fees of {$6.00} for a total of {$390.00} that they are currently expecting me to pay and none of it goes towards the principle, it will all be put towards interest and fees, so I am just spinning in a hamster wheel with no way to get off. They also continue to call and harass my co-signer, who they said would be able to be released from the loan.
Product: Debt collection

I am reaching out regarding a collection account on my credit report. I believe there may be an issue with this account, and I would like assistance in resolving it. 
NTL Recovery Agency XXXX I requested validation of debt but did not receive proper response. Its reporting I opened an account XX/XX/year>, which is completely false. I believe this is a case of identity fraud. 

I am requesting the CFPB to assist in investigating this matter and ensure the issue is resolved accurately. 
Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Derogatory Information : XXXX - XXXX/XXXX - Revolving - Never Late, requested to correct error. 
2. Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX : Never Authz to run credit requested to remove. 
3. Inquires : XX/XX/XXXX - XXXX XXXX XXXX - Never Authz to run credit requested to remove. 
4. Inquires : XX/XX/XXXX - XXXX XXXX - Never Authz to run credit requested to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about? This complaint is about XXXX selling their credit card account to XXXX XXXX and as a result, my credit score dropped 23 points in one day from XX/XX/19 to XX/XX/19. I had nothing to do with them selling the account so why should I be negatively effected by this as the account was moved from my experian account. 

Step 2 : What type of problem are you having? When XXXX sold the credit account to XXXX  XXXX, either XXXX  XXXX or XXXX closed out the account on my Experian credit report and it is possible that the other credit reports will be effected tomorrow XX/XX/19. If I didn't make this decision to close out the account, why should i be negatively effected by it. I am in the process of buying a house and 23 points in one day is mind blowing. By them closing out the account it messed up my credit utilization and my score went down 23 points. I was not notified of this and it is not fair.

Step 3 : What happened? My score went down 23 point in one day on my Experian report and it is a possibility the other reports will go down tomorrow. This is a huge inconvenience.

Step 4 : What company is this complaint about? XXXX, XXXX XXXX, XXXX XXXX, Experian. 

Step 5 : Who are the people involved? Myself was effected by XXXX, XXXX XXXX, XXXX XXXX, Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax changed my name without my authorization or any request from me to my maiden name.
Product: Vehicle loan or lease

Good morning I'm writing that to you help me with a problem that I have, in XX/XX/XXXX I bought a car from the company XXXX XXXX XXXX and who finances my debt is PNC BANK, the car title was sent by XXXX XXXX XXXX to PNC BANK in XX/XX/XXXX and the PNC BANK returned the title because he had some bad, now the XXXX XXXX XXXX says that he has not received anything from the PNC BANK and the PNC BANK says that he does not have it either the title car, they have been blaming each other and the car title does not appear, leading as consequences not being able to register the car, be paying for a car without a title, take public transportation to go to work and do my personal laps, and also gave them my truck as a trade in and now neither XXXX XXXX XXXX and PNC BANK respond. 

I'm paying the loan opportunely. 

I appreciate helping me with this inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer ContracXXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Debt collection

I have reached out several times to inform this debt is not mine. The company XXXX XXXX even admits this was a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX XXXX and Avante collection agency are both reporting my old debt of about 4 to 5 years ago as new account and both are showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Chase Bank indicated i made an inquiry regarding one of their cards which is false. I dont have any Chase accounts nor credit cards. I tried resolving issue over the phone and was unsuccessful.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX  account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Credit reporting or other personal consumer reports

While reviewing my annual credit report, I noticed a long list of inquiries from companies I had not applied to. I filed a report with identity theft.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for me filing this complaint is due to XXXX XXXX XXXX failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA