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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX have violated my right 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 an account without any written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry on consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grow Credit has not complied with helping me with my account. This service is a straight scam. Ive contacted support but no one has helped me. I need the missed payment off my credit report because there was no wrong payment. My payments are still missed to this day and I dont know why. They will not help me with removing the missed payment which is diminishing my credit when they are supposed to be a credit building company. They stated they couldn't remove the payment but I know this is false. They just don't want to help people, they want to take your money and ruin peoples credit. I need the missed payments removed ASAP and this account to be closed.
Product: Credit reporting or other personal consumer reports

I recently mailed a letter requesting verification of inaccurate accounts reporting on my credit report that your bureau maintains on XXXX XXXX2024. I received a response stating that the accounts were verified on XXXX/2024. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( A ) ( 7 ).

To be clear, per FCRA 611 ( A ) ( 2 ) ( B ), your agency is require to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me all information used for your investigation, as required by FCRA 611 ( A ) ( 7 ).

I have enclosed a copy of the following items that are reporting negatively and inaccurately on my credit report. 

Per the FCRA you are required to provide this information within 15 days or deleted the negative items from my credit report.
Product: Mortgage

XXXX XXXX XXXX XXXXXX/XX/year>, I began the process of applying for a loan with Wells Fargo. On XX/XX/year>, I started receiving emails requesting documentation to complete my file. As the buyer, I provided all the required documents requested by XXXX XXXX. Additionally, as the real estate agent in the transaction, I submitted the binding contract and emailed XXXX XXXX to outline the due diligence timeline for completing the appraisal. 

Despite these efforts, XXXX XXXX did not acknowledge receipt of the binding contract, nor did he order the appraisal within the 10-day due diligence period. This failure resulted in the buyer forfeiting their {$2300.00} earnest money. Concerned, I contacted XXXX XXXX to ask why he disregarded the binding contract. He claimed he thought " we had an understanding. '' I responded by asking what kind of understanding would justify causing the buyer to lose their earnest money. XXXX XXXX explained that he wanted to wait to see if the property could be mortgaged. 

Rather than exercising due diligence as a loan officer and paying the fee to research whether the property was XXXX XXXX XXXX XXXX XXXX XXXX XXXX chose to wait. He did not inform me, as either the buyer or the agent, of this decision. This lack of communication and inaction ultimately led to the buyer losing {$2300.00} in earnest money. 

When I explained the situation to XXXX XXXX and pointed out that the buyer would lose the earnest money, he stated he could at least refund the appraisal fee. However, after the unilateral agreement to terminate the contract was signed by all parties, following Wells Fargo 's determination that the property could not be funded because it was on a restricted list, I inquired about the appraisal refund. XXXX XXXX never returned my call. 

Throughout the transaction, XXXX XXXX consistently avoided responsibility for his actions, which ultimately caused the buyer to lose {$3000.00}. As of this complaint, XXXX XXXX has not responded to any texts or inquiries regarding the appraisal refund.
Product: Credit reporting or other personal consumer reports

Credit acceptance continues to report incorrect information on my credit report which is damaging my credit now. I have called several times and have beent told that it was sent to a third party. Which I have asked them how are they reporting this information and I was told it isn't in their system anymore and I asked the name of the company. I then contacted the other company which was an attorney and I was then told that they had served me at my moms address which I don't stay and Haven't stayed ever. I was told that they gave it to a young lady which was my sister and said that she was XXXX. MY sister literally is XXXX and had to be XXXX or XXXX at that time.
Product: Debt collection

Creditor is trying to sue me for a debt collection after already speaking with them that I couldn't afford the payment schedules and amounts they presented.
Product: Credit card

Regarding the XXXX statement dated XXXX an erroneous interest charge was applied to my account for {$1.00}. A payment of {$370.00} was submitted thru XXXX bill pay service on XX/XX/XXXX, which was before the due date of XX/XX/XXXX. The payment amount made covered the Standard Purchases of {$160.00}, paid in full. The remainder of the payment of {$200.00} was to be applied to the Balance Transfer amount of {$2400.00} which incurs no interest payment through XX/XX/XXXX. The balance transfer amount after this payment was applied is {$2200.00}. 

Regarding the XXXX statement dated XXXX an erroneous interest charge was applied to my account for {$2.00}. A payment of {$260.00} was submitted thru XXXX bill pay service on XX/XX/XXXX, which was before the due date of XX/XX/XXXX. The payment amount made covered the Standard Purchases of {$60.00}, paid in full. The remainder of the payment was to be applied to the remaining Balance Transfer amount which should have resulted in {$2200.00} - {$200.00} = {$2000.00}, incurring no interest. 

Regarding the XXXX statement dated XXXX an erroneous interest charge has been applied to my account for {$2.00}. 
My Balance Transfer amount erroneously shows a total of {$2100.00}, whereas per Paragraph 2, my correct Balance Transer amount is {$2000.00}, incurring no interest. 
The statement indicates a Standard Purchases amount of {$210.00} which I intend to pay before the due date, along with a {$200.00} amount to be applied to the balance transer amount which incurs no interest. This payment is due XX/XX/XXXX. 

During my initial phone contact with Citi customer service, the agent saw the discrepancies & attributed it to a " System Glitch ''. She said within the XXXX statement an erroneous {$95.00} balance subject to an interest rate of 20.74 % had been made and offered to refund the {$1.00} interest charge & that a correction within the system would be applied. However the subsequent 2 statements have not applied the correction to the interest charges made & to the erroneous balances appearing on my Balance Transfer remaining amount owed. 

The initial balance transfer fee of {$90.00} was paid in XXXX, XXXX well before the due date of XX/XX/XXXX. The original amount of my Balance Transfer was {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There's incorrect personal information on my credit report.
Product: Credit reporting

the company have received the identity verification documents and has closed the account and no longer reporting but Equifax continued to report negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple address that is incorrect s reporting on my credit file XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Dept of EdXXXX acct XXXX XXXX, XXXX  acct XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 states a consumer can not furnish an account without my written instructions.
Product: Vehicle loan or lease

My credit report has been showing a balance of {$14000.00} when my balance has {$13000.00} since XXXX!!!!! And even with that, I asked why is it almost a year of me paying my car note and balance has only went down {$30.00}, I was told that that comes from the TWO PAYMENT EXTENSIONS I REQUESTED WHEN I WAS LAID OFF BECAUSE OF COVID which WAS communicated with them. I was told that while I was granted the 2 extension, i still HAD TO PAY DAILY INTEREST.
Product: Checking or savings account

At the locate XXXX XXXX XXXX XXXX, PA XXXX, I deposited a {$600.00} stimulus check at the ATM. The ATM did ask me to put in the amount of the check, so I did. The ATM showed a picture of the stimulus check and asked me if I wanted a copy, with or without an image, I picked with image. The receipt reads XXXX XXXX available {$200.00} It clearly shows the stimulus check, and all the numbers on the check, the president 's name, and economic stimulus. 

Checked this morning and now it's saying, we could not read the stimulus check, and to call the IRS to get a replacement check sorry! 

You never put the check in, so we can't send you anything, or go into the machine, get it out and give it back to you, sorry! 

It your own dumb-ass fault Miss XXXX, you listened to our ATM, followed the ATM 'S instructions to also, keyed in the already varied amount of {$600.00}, and got the readable image receipt. 

Was also informed that TD Bank could not, would not, get the stimulus check out the ATM, because the ATM machines are managed by someone else, sorry! 

The people that manage our ATM 'S come every 2 weeks, came on the day of the incident, oops sorry I don't know what time, we can't reach them, I don't know, sorry! 

The staff here is poorly trained and unprofessional, how could you not know your job? 
Playing I don't know 's with somebody life. 

The bank could have issued me the {$600.00} until this matter was worked out, but did nothing instead. 

The IRS inform that they can not send me out another check, I would have to go to the website and fill out a XXXX form this will take months. 

I can't buy food, sorry! 
I can't pay my light bill, sorry! 
Take it up with the IRS, have them send you out another one, sorry! 
So I got to go hungry and be in the dark, for 6 to 8 weeks, while they trace a check, yep! and sorry! 

I called the branch at XXXX, was told to call the IRS and get a replacement, sorry! 
I the XXXX no help either. 

Your TD Bank branch people should be fired. 
I am without food and can ' pay bills, what am I suppose to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of financing & purchaseing a used car, a salesman at the dealership ( XXXX XXXX XXXX XXXX in XXXX ) showed me a credit report which belonged to another individual. This report contained extremely sensitive and confidential identifying information and I should not have seen it.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my mother and I went to XXXX XXXX XXXX XXXX to use the Sigue money transfer service, to send money over for family in XXXX. The money was placed under my aunts name but when she tried to retrieve the money they notified her her identification was expired. We went back to the store and they let her know she can cancel that transaction and put it under my cousins name since she was with my aunt, so no problem they said it was taken care of, they said the new transaction would be available in 1 hour so they waited and when they tried to retrieve the money once again they were told there was a missing letter or number from the pin, we headed again to the store and once again they told us they fixed it, they waited another hour and again they could not retrieve the money. We left it at that, we were tired of going back and forth. We went back Tuesday XXXX and we said we no longer wanted to use the service so we needed the money back because the money was needed elsewhere, they let us know it would be available that same Tuesday at XXXX. We went back at XXXX and again were told the system wasn't ready so they could not issue a refund. This was XX/XX/XXXX and we have been going back and forth and we are getting the same response the system isn't working and there's nothing they can do. We have tried numerous times to talk to a supervisor someone and get this resolved and absolutely no one has been able to help. We have tried to call from home and they do not answer ever. It is now XX/XX/XXXX and there has been absolutely no communication from anyone in that company we do not know where our money is, absolutely nothing.
Product: Credit reporting or other personal consumer reports

These debts is considered a charge off. However, this actually considered income because I should have received a 1099c in order to account for this as income. This is not a charge off I'm requesting this is removed because it's not debt. This is considered income and income should not be reported on your credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has listed my debt as " written off '' on my credit report. The original debt was {$620.00}. The contract date was XX/XX/year>. I am entitled to a 1099C for this income. I am requesting a 1099C to file my taxes correctly. The " write off '' amount was {$1000.00}, yet on my credit report the debt amount is listed as {$1200.00}. I would like this clarified and a 1099C drafted because this in income. 
Thank you in advance for your help in this matter, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$83.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I made a debt request to capital One about this account XXXX, i did it many time and then could not provide information about this account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft due to a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Years ago, about XXXX  years ago I downloaded kredit Karma app. Recently when I tried to buy a house I was told my credit score was not the score from credit karma. Been trying to get a credit card from them also when they stated it was a guaranteed approval. I been denied numerous times and they kept dinging my credit of hard inquiries when I tried that lowered my credit allot
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that this item is removed from my report. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. I, XXXX XXXX, did not provide your agency written instructions to include this fraudulent account in my consumer report. This is a violation of 15 USC 1681b- ( a ) ( 2 ). You have caused me grave issues and faltered me from being able to advance in my life. I have a family and I would like to be able to purchase a house. These fraudulent accounts are holding me back. I know and am aware of my rights and I demand that the balances are XXXX out and removed from my account. 

The following documentation will be shipped directly to you so that there is no back and forth about identity verification.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX Subject : Debt Validation and Dispute Letter for Fraudulent Address on Credit Report To Whom It May Concern, I am writing to formally dispute a fraudulent address that has appeared on my credit report. The address in question is : XXXX XXXX XXXX XXXX, TN, XXXX Name : XXXX XXXX This address is fraudulent, and I am not associated with this location in any capacity. I request its immediate removal from my credit file, along with any accounts or entries linked to it, as they are the result of identity theft. To support my claim, I am providing documentation of my efforts to address this identity theft. Enclosed, please find the following identity theft affidavits and report : IRS Identity Theft Affidavit ( Submitted : XX/XX/XXXX ) FTC Identity Theft Affidavit ( Submitted : XX/XX/XXXX ) XXXX Police Report ( Report Date : XX/XX/XXXX ) In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights under the following U.S. Codes : 15 U.S. Code 1681-IN Right to dispute inaccurate information with credit reporting agencies 15 U.S. Code 1601 Purpose and function of credit protection laws, which highlight the importance of accurate credit reporting 15 U.S. Code 1681-IN Procedures for accuracy and consumer rights to dispute credit information 15 U.S. Code 1692-C Restrictions on debt collector communications regarding disputed accounts I am requesting that the CFPB enforce the removal of this fraudulent address from my credit report using Metro 2 Compliance Codes for handling identity theft cases : XXXX Disputed information provided by the consumer XXXX Fraudulent information ; action required for verification XXXX Permanent deletion of fraudulent information Actions Requested : 1. Verification and Validation : I request XXXX XXXX XXXX validate this debt within 30 days or instruct the credit bureaus to delete this entry.

2. Immediate Deletion : If validation is not provided, or if the account fails to meet compliance standards, please proceed with immediate deletion from all consumer reporting files. Please investigate this matter and confirm in writing that the address and all related accounts have been permanently deleted from my credit report.

Thank you for your prompt attention to this matter. Please confirm in writing the steps taken regarding the requested investigation, verification, and potential deletion of this account from my credit file. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I had canceled this card last year due to non activity. All my cards I currently use are on auto pay, but it seems that they never canceled my card or went ahead with my request. 

Now Im being charged late fees and reported to the Credit Bureau For proof, my card isnt even activated and paperless billing is turned off The total available limit on the card is {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Huntington Bank is reporting that my XX/XX/XXXX payment was over 30 days late on my credit bureau report. My monthly payment is due on the XXXX of each month. I made an electronic payment via the phone on XX/XX/XXXX. According to Huntington Bank the payment was reversed due to insufficient funds ( See attached screenshot from Huntington online screen ). I had more than enough funds in my checking to cover the payment which is reflected in the bank statement page I've included. I've confirmed with XXXX XXXX that the funds were there and they show no payments being returned on their end. Huntington Bank made no attempt to contact me to let me know there was an issue with the payment that I processed via phone. I was not made aware that the payment was late until I was working on refinancing my home and it came up on my credit report. I have made several attempts to have Huntington reverse the issue on my credit report and they have declined to admit any errors on their end and as such will not reverse the negative reporting on my credit report. This is the only late payment on my credit report, I have excellent payment history. In addition to this Huntington Bank does not allow you to sign up for automatic payments via their website. They have a process in which you must fax in a form to authorize the payments. I have on 4 separate occasions requested the form and faxed it to Huntington never to have had them process the request. The requests were made on or about the following dates- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over 3 rounds of letters to the bureaus and they are not responding in a timely manner, it has been well over 30 days and I have not received anything back. They also are violating FDCPA section 807, as this is leading false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting information on my credit report that is incorrect and they are not performing proper investigations into the problems.There is an account showing on my report by the name of XXXX XXXX that is incorrect and they will not do a proper investigation on this account.I have called XXXX XXXX XXXX this morning XX/XX/XXXX at XXXX XXXX and told them about the situation. They told me the account was satisfied in XX/XX/XXXX in full. However Equifax is still reporting It as a collection on my report and it is not a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Student loan

Nelnet currently has my student loans since acquiring them from Great Lakes. I filled out an IDR application in XXXX XXXX. The payment amount has fluctuated multiple times & I can't get a consistent answer as to why. So I filled it out again. Furthermore, when trying to contact them by phone, the last time I waited over XXXX hours. The rep stated that they did get my application in XXXX, but they received the one I recently sent & they're reviewing that. No idea what happened to the first one, she just said it was received & theyre taking a longer time processing applications. Now my account says IDR proc admin, interest still accruing & no payment estimate. It should not be this hard, unorganized & such a hassle, simply for getting an education.