23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, I still have issues with complaint number XXXX. Now I received a statement from FedLoan Servicing stating the forbearance period is expiring and my next payment is over {$400.00} due XX/XX/XXXX! The whole point of this complaint was because I needed lower payments per month, not to be put in forbearance and they receive such a big bill I can not afford. Instead, they put me in forbearance and now I get hit with such a huge payment at once?? I still have no resolution on getting a lower payment per month and can not afford a payment of over {$400.00}. 




Please help?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and address do not match what is on my identification card. I'm asking that you remove the addresses below because I'm afraid of identity theft. Please have the following names and addresses removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card

XXXX of last year I got approved for a secured credit card through my local bank XXXX in Indiana. This year I moved away so I closed my bank which would in turn close the credit account as well. A few weeks go by and they send me a reimbursement check of the full credit amount. All is well until XXXX of this year. Because I closed XXXX, that debit card was no longer active and my XXXXXXXX XXXX account couldn't charge it. Instead they tried charging my XXXX credit card ( they charged it without my consent but that is a different issue to complain to a different body ) and it went through. I reached out to the credit company and they said they didn't close the account, they changed it to an unsecured account. I did not consent for that and they did it without my knowledge. They claimed it was stated in the mail that came with the check but I saw no such statement and they are refusing to reverse the charge.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$410.00} XXXX Original Creditor : XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ BANK XXXX XXXX ], [ CLOSED ACCOUNT ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay
Product: Credit reporting, credit repair services, or other personal consumer reports

In 15 U S code 1681b States : permissible purposes of consumer Hard Inquires have no permissible purpose being 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied for a loan to purchase a computer. After receiving the laptop, I paid the entire bill without any issues. However, I later began receiving bills for {$7.00} for an account I never signed up for. I contacted the company, and they assured me they would remove the amount and close the account. Although they closed the account as promised, they continued to send me bills and added the amount to my credit report. The bill has now increased to {$77.00} due to growing late fees. I disputed the account, but the three reporting agencies claimed it was accurate. I was unaware of the existence of this secondary account. The company should have disclosed this information to me. I would have informed them that I did not require the additional services if they had. The purchase came with a warranty. My sole intention was to purchase a computer. I urgently need assistance removing this incorrect information from my credit report, as it shows that I was late in paying a bill that I was unaware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is re-aging which is illegal.I disputed these account XX/XX/XXXX and on XX/XX/XXXX and multiple dates in XX/XX/XXXX because they updated the information which is still incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MN XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MI XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesn't belong to me when they finally closed it and charged it off in XX/XX/2023 It reported late payment on the report month after month I have been disputing this account this is all wrong. per FCR, this must be rectified 15 U.S. Code 6801 - Protection of nonpublic personal information said : ( 1 ) to ensure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I kept disputing this month after month they never showed me the proof of their investigation. 24hrs after the complaint they come back with the result of verified. show me the method of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/XXXX I logged into my XXXX XXXX account when I realized that my credit score significantly decreasing by 11-12 points from Ally Financial where they stated my balance increased. ( See attached screenshots : XXXX Data XX/XX/XXXX XXXX Transunion XXXX XX/XX/XXXX ) At this point I then reached out to Ally Financial at XXXX and spoke to a representative named XXXX XXXX I informed her what was occurring and that I in fact was never late on a payment and there was no cause for them to place this claim with creditors and that this issue needs to be resolved immediately. At which point she responded with dont worry I have forwarded this to the appropriate department and this issue should be resolved by next month ( XX/XX/XXXX ). On XX/XX/XXXX Ally Financial created a letter and direct message on my mobile application ( see attached Ally XX/XX/XXXX XXXX & XX/XX/XXXX Ally Correspondence ). 

I then contacted Ally Financial once again on XX/XX/XXXX at XXXX and spoke to a representative named XXXX XXXX XXXX looked into my account and state I apologize XXXX provided you the incorrect information it actually takes about 45 business days which is about 2.5 months for everything to be resolved. To please reach back to us in the middle of XXXX and this issue will be resolved. On XX/XX/XXXX I spoke to representative XXXX who then disputed the request be removed and informed me to contact them back in a month and she assured me the credit dispute will be resolved. 

On XX/XX/XXXX, I spoke to a representative named XXXX at Ally Financial and she informed me that she sent another notice ( Case # XXXX ) and she apologized that this has taken 4 months to resolve, but not to worry this should straighten everything out and by the beginning of XXXX I should see this dispute resolved. She also informed me that in XXXX this credit score drop occurred to multiple peoples accounts and that this is the reason why its taking so long. XXXX See attached documents Ally XX/XX/XXXX Letter, XX/XX/XXXX Ally Correspondence, XX/XX/XXXX Ally Correspondence Part 2 ) I also attached a XX/XX/XXXX Ally credit report, showing that my account is in good standings and that this credit dispute should have never occurred. I has now been over six months and this credit dispute issue has not been resolved. I have tried multiple time to reach out to the company Ally Financial to resolve this issue and nothing is being done. This is absolutely absurd and needs to be resolved immediately! If you all can not help me to resolve this issue, please send me some information to who I need to reach out to in order resolve this credit dispute. 

Thank you, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I infrom the company that the account are closed to removed them fron my report
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My Equifax credit report shows an address that I have never lived at. The address is in the state of Oregon and I have never been to that state. 
Wrong address is : XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The cfpbs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat exploit the system using users vulnerable to scams. This lack of accountability & transparency is unacceptable & raises serious concerns to me for us consumers safety.
Product: Credit card or prepaid card

I notified the credit card company on XX/XX/18 that I did not initiate the following charges on my card : XX/XX/18 XXXX XXXX XXXX CA {$570.00}, XX/XX/18 XXXX XXXX XXXX CO XXXX, XX/XX/18 XXXX XXXX XXXX/XXXX # CA XXXX, XX/XX/18 XXXX XXXX XXXX FL XXXX.

First of all, I have never used XXXX  for any purchases I have made. And secondly, I am XXXX years old and do not use XXXX.

They are saying they researched these purchases and I did make the XXXX purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Defamation of character Cease and Desist While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the Creditor : XXXX XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Credit Report Credit Summary Personal Information All Accounts ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Derogatory Accounts ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Public Records XXXX XXXX ) XXXX ( New ) XXXX ( Deleted ) Late Payments ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Inquiries ( XXXX ) XXXX ( New ) XXXX ( Deleted ) Creditor : XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : XXXXXXXX XXXX XXXXXXXX New Type Of Business : Mortgage Reporters Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image Creditor : EXPERIAN BUSINESS CRED New Type Of Business : Credit Bureau Inquiries Date XXXX XXXX : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Personal Loan Companies Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : - Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : Credit Unions Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business XXXX Credit Bureaus/Mortgage Processing Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX New Type Of Business : Commercial Banks Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : XXXX XXXXXXXX Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX New Type Of Business : XXXX XXXXXXXX Date Of Inquiry : XX/XX/XXXX image Creditor : XXXX XXXX XXXXXXXX New Type Of Business : Bank Credit Cards Date Of Inquiry : XX/XX/XXXX image did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you XXXX, XXXX XXXX EXPERIAN permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Ive been an outstanding consumer of bridge crest. I had 2 vehicles at one time, paying off faithfully. Bridgecrest Website shows inaccurate information. It stated no payment due, then will change without notice. I have attached proof of their faulty site. Which shows XXXX due yet {$210.00} was due. Once I found out their website was faulty, I called and set up payment arrangement with rep. The loan company reported me late 3 times on my report XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXwhich is incorrect, I never was late for these dates. I made the agreed upon payments. I have since brought the accts to being current, even paying one off in full. Ive called the auto loan company5 times, wrote in, and disputed with credit bureaus. but nothing was changed. I am trying to buy a house and this is the only thing holding me back. Thank you for taking the time out to read/help with this devastating time in my life
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) I am writing to formally request the method of verification regarding the investigation of a disputed item on my credit report, as outlined under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ).

While I may not have a complete list of accounts currently under dispute, I am aware of the following account ( s ) on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that this request applies to all disputed accounts, not just those listed above.

According to the FCRA, if a consumer requests the method by which the information was verified, the credit bureau is required to provide this information within 15 days of the request. I am exercising my right to request this documentation, including : 1. The name, address, and contact information of the entity that verified the disputed information.

2. A detailed description of the procedures used to verify the accuracy of the disputed item.

3. Copies of any documents obtained during the investigation that were used to verify the item. 

Please provide this information in writing within the required time frame. If you are unable to verify the accuracy of this information through independent documentation, I expect the disputed item ( s ) to be deleted from my credit report immediately, as required by the FCRA. 

I appreciate your prompt attention to this matter and look forward to your response. Please send your reply to the address listed above. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

The company CONNS contacts me repeatedly every day of the week including sundays. They contact several hours in the day nonstop. The company calls from several numbers even if one day late the calls come repeatedly, text messages arrive and emails all at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I don't know who this account is? 

2. I have disputed this with equifax and the company, nothing has been sent to me showing that this account is valid. 

3. This is hurting my credit report as it shows to be derogatory on my credit. 

4. The balance shows {$0.00} 5. The company is reporting the status of the account as Current. 

6. The company is reporting the Credit Limit as {$0.00}. 

7. The company is reporting the account as being charged off and suspended. 

8. The company is reporting the Date of Last Activity as XX/XX/XXXX XXXX. The company is reporting the Last payment as XX/XX/XXXX. 

10. In the payment history the company is reporting Payments made : XXXX - XXXX XXXX - XXXX XX/XX/XXXX All this information is contradicting itself, and looks like fraud. I have no information on this account and I don understand why Equifax is choosing to allow this to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into Conns and ordered a deep freezer. When I received the freezer, I took it home and opened the box. Only to see that entire top portion was smashed, like it had been dropped from a really high place. I returned the freezer the very next day and a manager inspected the freezer and determined that it was damaged prior to being shipped to their store for pickup. I cancelled my order because I know longer needed a freezer and was reassured that everything was closed out. A month later I see that they have put this item on my credit report with a 30 day late payment reported. I called went into the storeroom find out why Im being reported when I dont have an open account or merchandise for them. They immediately agreed to remove the negative mark and that Conns account from my credit report. Via email and printed paperwork. The item is still not removed and is hurting my score tremendously.
Product: Credit card or prepaid card

A Discover Card solicitor called me around the beginning of XX/XX/XXXX in order to transfer two of my credit card balances to their card for a onetime fee and a 0 % interest rate for the life of the card which I agreed to. Upon receiving my first billing statement I discovered that my monthly payment was to be 2 % of the unpaid principle balance which was more than what i was currently paying for the other two credit cards. I would have never agreed to those terms if i was informed of them initially, which i was not. I immediately called and spoke to a Discover rep who stated that she would pull and listen to the original conversation then get back to me. I never received a follow up call. Upon calling them back I was then informed that they only keep the calls for 30 days and they no longer have my call on file. I requested that i speak to the rep who originally took my call when at that time they further explained to me that they do not keep records of who customers speak to when they call in. I had to reiterate my concerns and frustrations once again which they ultimately told me that the terms are what they are and I basically have to agree to them and start making payments which I refused due to the gross information that was initially conveyed to me. I truly feel like i was told half the story with no initial payment details being disclosed and Discover Card is turning a blind eye with ZERO personal accountability. I hope and pray that your institution will be able to aide me in remedying this matter. Your time and efforts are beyond appreciated. 

XXXX XXXX Cell XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, in the amount of {$1500.00} to First National Collections Bureau. I paid for deletion and it is still on my credit report saying unpaid. 


On XX/XX/2020, in the amount of {$700.00} to XXXX XXXX. I paid for deletion and it is still on my credit report as unpaid. 

I have contacted the companies and all I get is a hold on then they hang up.
Product: Credit reporting or other personal consumer reports

Re : INACCURATE REPORTING To Whom This May Concern : Im writing you regarding to multiple discrepancies and inaccuracies on the accounts listed below that I have noticed on my credit report. 

XXXX Account Name - XXXXXXXX XXXX XXXX  ( CLOSED ) - XXXX XXXXXXXX XXXX Account Name - XXXXXXXX XXXX XXXX - XXXX Transunion Account Name - XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX is reporting that the account is PAID while Transunion is reporting the account as CLOSED. 

XXXX and XXXX is reporting that the account was opened on XX/XX/XXXX while Transunion is reporting it being opened on XX/XX/XXXX. 

XXXX is reporting a high credit balance of {$7000.00} while Transunion and XXXX are reporting {$8800.00}. 

XXXX and Transunion are reporting the status of the account as current while XXXX is reporting the status as late 180 DAYS and Transunion. 

XXXX is reporting a last report date of XX/XX/XXXX, XXXX is reporting a last date report of XX/XX/XXXX, and Transunion is reporting a last report date of XX/XX/XXXX. 

This account is being reported with different date of activity date and continuously being updated amongst each credit bureaus and is not properly verified or consistent. XXXX is reporting last date of activity as XX/XX/XXXX, XXXX is reporting the last date of activity as XX/XX/XXXX and Transunion is reporting the last date of activity as XX/XX/XXXX. 

You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

Please send me an updated credit report within 30 days of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

They continue to report a bankruptcy on my credit which is wrong and i demand for it to be removed ASAP ... .this is stressing me out and im tired of going back and forth with them on this matter