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

I consumer XXXX XXXX contacted Experian on behalf of my self there was no third party involved. I contacted Experian Via certified mail XX/XX/XXXX and received a certified mail return receipt which has been signed and stamped by an Experian Agent. I did not receive a response from Experian regarding my concerns or my dispute. Pursuant to 15 USCc 1681i ( a ) ( 1 ) Experian must investigate a claim within 30 days and failure to do so is a directly violation of 15 USC 1681i ( a ) ( 1 ). I am aware that if after 30 days the information can not b verified, or if the information is found to be inaccurate or incomplete, the information must be deleted. I am demanding that these inquiries be removed immediately. Experian has failed to comply with my demands this is a violation of 15 USC 1681i ( 6 ) ( A ) and the inquiries must be removed. Experian has willfully failed to comply with requirements under the FCRA causing damages to my reputation. which is a violation of 15 USC 1681n ( a ) ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I had a retail theft charge on my background from XX/XX/2016 which is XXXX XXXX XXXX will be XXXX in XXXX. Im seeing if I can dispute that
Product: Checking or savings account

My name is XXXX n i have a checking acountt with hsbc.. i got debit and credit card both.. but i never knew that one mistake i made n which is very badly hustling me.. beacuse i m saying it, if i knew i would have never done that, cz i have a good transaction sith hsbc., Scenerio ... 
On of my friend advise me to do online survey.. i did to be honest.. and i got a check from them too.. i dont remember the company name but i got it USPS service at my home address.. n when i received thst i was happy n excited.. n also i never knew or know ehst is fake check n what is good check :. So i deposited thise checks in my account .. if i knew yhat the check eas fake.. i would never do that.. even when i saw that deposited has made, i promise i havnt spent a single XXXX from that deposite.. and so on.. i promise if i knew i would have never done that. So next day when i sit to make a payment for my husband, i saw that my card was block and my account was suspended.. so i called the bank in the main time n they told me that something fraud related happen so they r connnection me to them, more than 30/35 mins til todays date i call them but no respont.. after than inwent to bank n talk with a represtator, n she explain me .. what actually happen plz help me now with this.. plz its a request ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX XXXX XXXXXXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Credit Limit {$5000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$4800.00} ), XXXX XXXX XXXXXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

Capital One sent me a letter informing me they had closed my account as of XX/XX/2019 due to inactivity. They gave me no forewarning, they did not contact me before hand, and as a result they hurt my credit score at a time I am making future plans for marriage, new vehicles, and home ownership. Electing not to swipe my card at the store should not validate the arbitrary closing of an account when I have held that account open for over 15 years as part of a comprehensive plan to maintain a stellar credit score. 

I attempted to call customer service twice, and asked to be escalated to a supervisor twice in order to have the closed account reversed. Both times they hung up on me before I was able to make my case and request that my account stay open.
Product: Debt collection

On XX/XX/2022, I received a collection notice from Credit collection services XXXX XXXX XXXX, XXXX, MA XXXX. I do not know how this company is and I have no contract with them. I do not know how they got my location information, name, or SSN. This is a violation of FDCPA and Truth and lending. There is no verification of debt attached to this statement which cam through the mail. I believe this company has attacked my credit report and I do not authorize any false statements upon my credit report. It is damaging to me and public trust. 
I request the itemization date pursuant to 12 CFR 1006.34 ( c ) ( 2 ) ( vi ). I request the debt amount as of itemization date. I request the itemization of the current so called debt amount, and the current debt amount. If this request is not fulfilled within the allotted time, then this is fraudulent and I demand to be compensated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted all the necessary paperwork to Equifax to remove accounts that do not belong to me removed and they have not responded back to me and it has been almost a month. The accounts were removed from the other two bureaus.
Product: Payday loan, title loan, or personal loan

I had received a loan from XXXX XXXX/Money Lion for XXXX dollars on XX/XX/2019. The payments of which were XXXX a month. From XXXX until XXXX, the only money that was applied to the loan out of XXXX that I had paid up until XXXX was XXXX. So I called and asked for a break down or statement of what the payments and how much was going to what, with no success. I was told the contract did that. So I had called Money Lion with intent to pay off the loan with some money I was supposed to get, but I did not get all of the XXXX that was the balance. So I called Money Lion and explained I could not pay all of it as I had intended and they informed me that they could not reverse it and would have to reinstate the loan and I would have to wait until after the XXXX of XXXX. When they reinstated the loan in XXXX, they had added XXXX to the loan, taking it from XXXX in XXXX to XXXX in XXXX. I have not missed but one payment, which was in XXXX and they more than doubled what the loan balance was on XXXX the XXXX. Even after paying in XXXX as you can see, nothing is coming off of the loan and the loan has more than doubled for what reason I have no idea. 

This is a list of my payments of which I have proof from

bank statements. XX/XX/2019
XXXX  ; XX/XX/2019 XXXX  ; XX/XX/2019 XXXX ; XX/XX/2019XXXX ; XXXX Missed payment ; XX/XX/2019 XXXX ; XX/XX/2019 XXXX ; I have asked for a statement of payments and monthly balances and they will not give me one and the only thing I can see is what I have taken a picture of and attached to this complaint.
Product: Bank account or service

I had overdrawn my account last month and again this month. I had alerts set up that I am supposed to get an email when there is an overdraft so I can immediately deposit funds to keep from incurring fees. I have not been receiving the alerts until the day after the overdraft has occurred which entails a {$35.00} fee for each transaction that day. My wife went the XXXX day to deposit funds via check and the teller told her she could deposit via ATM and it would cover. It did not, and it posted the next day, which results in {$100.00} of fees that day. I went and made a deposit again this morning at bank opening to cover a {$8.00} overdraft from last night ( which did not show up at XXXX when I viewed the account ) and was told that I was now good by the teller with a XXXX. I logged in and saw I am in the red again because they are now charging me {$35.00} again. I have been charged fees due to both lack of notification, which I signed up for, and for bad information from bank tellers in which the manager could only apologize and say they are not responsible for misinformation from tellers and there is nothing they could do. I have been a customer of this bank for 13 years now and am tired of these inappropriate fees ( or money grabs ) from my bank due to their bad employees and bad systems. Their repetitive fees keep me from getting back in the black.
Product: Money transfer, virtual currency, or money service

I sold an item on XXXX. Payment was made by the purchaser to my account on PayPal.com. PayPal.com has seized my {$28.00} and refuses to make these funds available to me. They will not provide my funds nor provide an explanation for this seizure of funds.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( XXXX - acct XXXX XXXX ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

Around XX/XX/XXXX, I submitted an in-school deferral request online to Aidvantage for a Direct Consolidation Loan of a Parent Plus loan taken out when my daughter did her XXXX degree ( graduated in XXXX ). She began her XXXX XXXX XXXX in XXXX of XXXX. This request was denied on XX/XX/XXXX ( XXXX ). 

On XX/XX/XXXX, I contacted Aidvantage to ask why the request was denied, and to request a deferral directly. I was told on the phone that I would need to submit another request online. That same day, I submitted another online in-school deferment request. This request was denied on XX/XX/XXXX ( XXXX ). I submitted another request around that day, and received another denial on XX/XX/XXXX ( XXXX ). 

I have attached the format of the in-school deferment request that I submitted ( XXXX  ) - this is just a template, and not filled out with my information. When I submitted the request, Section 4 - " Authorized Official 's Certification '' was empty, as it is the XXXX  school 's policy that the Registrar 's office no longer certifies enrollment, and that loan servicers should be able to pull that information from XXXX XXXX XXXX ( this was confirmed by a call to the XXXX school 's XXXX XXXX, and visible in the document XXXX XXXX The resulting denial form from XX/XX/XXXX states that there is " missing information that must be completed by an authorized school official ''. As previously stated, XXXX does not allow school officials to certify school enrollment. 

On XX/XX/XXXX, I called Aidvantage again, and explained to them that studentaid.gov and XXXX XXXX XXXX XXXX XXXX XXXX both confirmed that the student was enrolled half-time in a qualifying master 's program, and that they needed to check National Student Clearinghouse themselves in order to confirm the enrollment. I was placed on hold for several minutes while someone checked that a Direct Consolidation Loan of a Parent Plus loan was in fact eligible for in-school deferment, and the woman confirmed that it was. She then stated that they would open up an inquiry on their end to check XXXX XXXX XXXX to confirm enrollment. I asked how I would be notified of a resolution, and she said I would receive an email. 

It is now XX/XX/XXXX, and I have not received any email or communication from Aidvantage of the deferment, and I have not received any acknowledgement of the inquiry that was supposedly filed on XX/XX/XXXX. Since all the other inquiries took a max of 5 days to be resolved, I suspect that nothing was filed on their end to check enrollment. 

Since XXXX, when my daughter became enrolled in grad school, I have made 2 months of payments totaling {$940.00} that I should not have had to make if they had properly processed the in-school deferment requests correctly. The next payment is due on XX/XX/XXXX, and I have to continue making payments until the deferment is processed or else they'll ruin my credit score. It seems they are purposefully not processing my deferment, purposefully making it difficult for me and generally being unhelpful so that I have to continue making payments.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed that the information on my profile was incorrect. There are several hard inquiries on my credit report that should not have been on my report profile and according to the fair credit reporting act 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. 

I sent a request asking them to reinvestigate or remove these hard inquiries listed below : EquifaxXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX contacted me about an unpaid medical debt from the University XXXX California XXXX XXXX totaling {$130.00} in XXXX of 2024. This was a surprise to me, because correspondence had been spotty as I moved from California to North Carolina during XXXX of 2024 and also suffered credit fraud in the same period. 

I contacted XXXX XXXX to verify the debt, and checked with the University XXXX XXXX medical system. I found I had a small balance, far less than {$130.00}, and paid it directly with the University XXXX XXXX  XXXX system. However, XXXX XXXX did not respond to my request for verification and thus I can not validate their debt. 

Meanwhile, XXXX XXXX illegally reported this debt to all XXXX  credit agencies, impacting my credit. XXXX, the debt has not been verified. XXXX, medical debt < {$500.00} is illegal to report to credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting erroneous information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX an explained that I was affected by XXXX as a flood victim and to please do a coutesy late removal for the XXXX XXXX late payment. The amount owed was {$7.00}. She stated there was nothing they could do for me and that the late fee would stay on my account.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX2000, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX  XXXX XXXX on XXXX/XXXX/2023 under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX  XXXX XXXX on XXXX/XXXX/2023 under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX XXXX on XXXX/XXXX/2024 under the account number XXXX, and a collections account opened at XXXX & XXXX XXXX XXXX XX/XX/XXXX2024 with a balance of {$20000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of XXXX  Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an Experian Member ID XXXX - On XX/XX/18 I obtained by Experian credit report and after reviewing it I noticed that I have 2 negative accounts that I do not recognize and 5 inaccurate reported accounts reporting to my credit report. One is from XXXX XXXX and the other is XXXX of which i have no clue why it is reporting on my credit report. I have never done any business with these account people listed. I have disputed this before and it is clearly not being handled with critical discernment and it is very disheartening. I am including credit report and other supporting docs for immediate assistance. Thank you
Product: Debt collection

This company violated FCCPA n FDCPA by listing a medical debt on my XXXX  credit bureau without sending myself the legally mandated notice of assignment giving myself the 30 day right of dispute period. 
My address has been updated with all credit bureaus for over a year. Also, i have had medical insurance since XX/XX/2017.
Product: Credit reporting or other personal consumer reports

Here is my revision : I have discovered unauthorized accounts on my credit report that I did not open or approve. This appears to be a case of identity theft, as I have no knowledge of these accounts. I previously raised this issue, but the fraudulent items remain on my report, causing me significant stress and hardship. 

These inaccurate accounts misrepresent my true credit history and financial responsibility. Their continued presence may prevent me from achieving important goals like securing a mortgage to purchase a home for my family. I am respectfully requesting the unauthorized accounts be promptly removed from my credit report. 

If we can not resolve this issue through proper channels, I will have no choice but to pursue legal action to enforce my consumer rights and obtain an appropriate resolution. The negative impact of this identity theft on my credit report is an urgent problem that must be addressed. 

I hope we can work together to quickly correct my credit report and mitigate any further damage from this fraudulent activity. Please let me know what steps you will take to comprehensively remedy this unlawful situation impacting my financial life. Your cooperation is greatly appreciated.
Product: Debt collection

I settled with the company XXXX XXXX in a court hearing in the amount of {$1500.00}. It was agreed upon that if the amount agreed ( 1500.00 ) would settle the debt in full ( original amount was {$3100.00} ) if payment was received within 30 days the civil case and account would be closed. Check was received by them in XX/XX/XXXX, cashed, and applied to my original balance.I fulfilled my part of the judges order however I received a paper in mail stating that I owed the other half of the original debt amount which was not agreed upon in the court
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX are refusing to remove fraud accounts and information off of my report after providing police reports and FTC reports.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute I submitted to XXXX, XXXX and Equifax regarding inaccuracies on my credit report. I have not received a satisfactory resolution, and the inaccuracies remain on my report. 

I am now seeking the intervention of the Consumer Financial Protection Bureau to ensure my rights are protected and that my credit report is accurate. Here 's the details of the disputed Items : Equifax : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX Listed below are the Personal Information that are being challenged Employer - XXXXXXXX XXXX Incorrect XXXX : - XXXX Employer - XXXXXXXX XXXX XXXX Incorrect Name : XXXX XXXXXXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Enclosed are copies of the following documents and XXXX : Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX, XXXX Incorrect XXXX Address XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX Incorrect XXXX : XXXX XXXXXXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are XXXX Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Transunion : Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a credit card with Navy Federal Credit Union. I was attempting to pay the account off. Upon speaking to the teller. I was informed the account was no longer with Navy Federal it was sold to a collection agency. Yet Navy Federal continues to report a unpaid balance on my credit report. Both them and the collection agency is reporting on my credit report which in turn is causing hardship in obtaining a Home loan.