23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My account was compromised and I filed a wire fraud report with the XXXX XXXX XXXX  and emailed XXXX XXXX the case manager on this serious matter to and he still didnt respond yet Its a 30-45 day process with correcting this displeasing issue
Product: Vehicle loan or lease

I turned in my XXXX XXXX, and Ford Motor put a balance owing on my credit, I had no knowledge or notification of a balance being owed on the vehicle of {$1300.00}. They put it on my credit report without making me aware of a balance. I would like this removed from my credit report. 

Ford Motor Credit Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports show CHP XXXX as a CHP XXXX. All of my debt before XXXX 2017 have been discharged. Credit report should be reporting a CHP XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check XXXX XXXX before I went looking for car. It said I had a XXXX faco score. But when I got to the dealership is said I had a XXXX from equifax who is wrong. I would like to sue the reporting score that is wrong. This is more than a simple misjudgment this is almost 44 points. I rely on this to make a decision and it was not proper information. When I contacted equifax they want to sell me a credit report that if I do not counsel will continue. Why ca n't I get the information I request without being ripped off. Do n't CFPB agency is supposed to stop this from happening. Why do n't someone do their job and stop this. Please give me the information, that I can go to and follow compliant with this agency
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. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like my credit report to be cleared of unauthorized credit inquiry. I got a copy of my credit report and saw inquiry on it that I had not authorized. Here is a list of it. 
XXXX XXXXXX/XX/2023
Product: Debt collection

CARTER-YOUNG, INCXXXX is trying to collect on debt that is not mine. CARTER-YOUNG claims I owe {$350.00} toward a medical/health care. I spoken with a representative via telephone and have verified the XXXX XXXX they 're looking for does not share the same SS #, yet a " collections '' notice exists on my XXXX credit report.
Product: Vehicle loan or lease

had problem with paying by on line! Paid full balance off in person at Wells Fargo XXXX XXXX with a check from credit union. There was daily interest adding to it which was paid by personal check after receiving statement by mail. They hit my credit report up that I was late and dropping it down. So HOW can it be late when paid off by years early? Have all the paper work if needed.
Product: Mortgage

This is a copy and paste partially from a previous complained. I have called more than 4 times since XXXX as I have yet to get credit in my mortgage acct for {$30000.00} I paid since XX/XX/XXXX. XXXX XXXX dollars! Surely I thought If I can get a pay off statement at least it would show. But I stead of showing I owe approx XXXX $ on my home loan it still shows over {$62000.00}. I have been told numerous times it takes 7 business days to apply credit. We are now at XX/XX/XXXX. No credit showing. Where is my money and the HAF funds that have been submitted by Florida???? 
XX/XX/XXXX since the last complained there were some adjustments made and then just of a sudden reversals done. I still do not see any further HAF payments. DEO/HAF states they have sent over {$13000.00} in total since XXXX, XXXX. 
I made another regular monthly payment XX/XX/XXXX this one was also reversed. Why???!!!!! Now my payoff shows more than XXXX $ on the account. I have reached out numerous times via phone and email to the company. I have asked for escalations and keep getting told no managers available. I need to be patient. I have been getting the run around since XXXX with substantial funds not applied. What else do I need to do??? 
XXXX XXXX {$1900.00} check # XXXX XXXX XXXX Check # XXXX by phone {$9900.00} conf # XXXX XXXX XXXX  acct. 
check # XXXX by phone conf # XXXX {$19000.00} Check # XXXX {$10000.00} principal XXXX
Product: Credit reporting

I 've Reached out to Experian, XXXX, and XXXX multiple times about unverified accounts on my credit report and have yet to get a response or deletion of those false credit report collections that 's jeopardizing my credit worthiness!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item or just DELETE it immediately in my report : XXXX XXXX XXXX
Product: Debt collection

I contacted the debt collector and requested information pertaining to the debt. Advised per the apartment complex I was told to give up possession or pay rent. I decided to give up possession. I was advised I would not be charged only to find out I was reported to the collection agency where I was advised the complex charged {$1000.00} for carpet fees for utilities which I paid utilities separately from rent. And additional fees. I have tried numerous times to dispute this with the agency and no success.
Product: Checking or savings account

For the past 2 months, I have been trying to transfer my individual traditional IRA savings account money ( my life savings in retirement funds ) from Everbank to my local bank XXXX as a normal, standard procedure -- a trustee/custodian-to-trustee/custodian transfer of funds. 
For two months, Everbank sent me wrong forms to fill out, then they sent more wrong forms to fill out ( I had all their forms filled out and submitted with notary stamps/witnesses just as Everbank asked . Each person I spoke with told me that the previous person made an error. The procedures were not followed and erroneous information and instructions were given to me by atleast 7 employees This kept happening for almost 2 months. I finally gave up nad had my local bank initiate the IRA transfer process. I filled out all the appropriate forms with my local bank XXXX, which forwarded the documents to Everbank. I receive a written email from the special processing unit of Everbank on Tues. XX/XX/XXXX that Everbank had sent a check for the full proceeds ( money ) in my IRA to XXXX by XXXXThe money has never arrived from Everbank. XXXX says it was never sent. My account was closed. My money has disappeared. Everbank employees hang up on me when I call. Or they put me on hold for an hour at a time and never pick up. Everbank has stolen $ XXXXfrom me and Everbank will not help resolve this. HELP! HELP! Please. P.S. Everbank is not a real bank -- it is a savings association and NOT a commercial bank.
Product: Credit card

I contacted Affirm as soon as I got the notification that an account was created in my name without my permission. My cell phone was also stolen so that could be why I had no idea these accounts were created initially. They agreed to remove it I provided them a police report and a report from the FTC. Because not only has this ID theft affected my credit it has affected my entire lifestyle. Even my taxes. They agreed to remove the accounts deemed them as fraud and now they are saying Im responsible. I have not applied for anything with them. This is fraudulent. I dont owe affirm. Please ask them to remove these accounts like they promised. Im attaching the screen shot emails that their safety team sent me. They need to honor my request and stop harassing me for these charges. I never did. I dont buy things with credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XXXX XXXX to XXXX and Equifax about a XXXX collection accounts which is XXXX XXXX XXXX and diversified adjustment However the credit bureaus sald they completed the investigation and everything was XXXX XXXX accurate. 

According to the law 15 U.S, Code 6 1681a - Definitions ; rules of construction. 
The term " investigative consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation I want the CFPB to publish this description on consumerfinance.gov so that others can learn
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am urgently seeking your assistance with the incorrect reporting of a late payment and subsequent delinquency on my Apple Card account with Goldman Sachs Bank USA ( Sachman ). This issue has severely impacted my financial well-being. 

Despite having auto-pay set up, I was not notified of cancelled payments from my bank account nor warned about late or delinquent status. My email account, where notifications were allegedly sent, was hacked and inaccessible for over a year. Despite my repeated attempts to update my email address with Apple Card, they failed to update their records until I manually corrected it last month. According to the Apple Card agreement, I should have received notifications via phone calls, emails, and physical mail. I received none of these communications. Additionally, I was not notified within 21 days as required by Maryland Commercial Law Article Subtitle 9 and Section 16 of the Maryland Consumer Protection Act. I only discovered the late payment after 60 days, when I noticed a XXXX decline in my credit score. 

Since XX/XX/year>, I have sent four formal dispute letters to Apple Card, with the latest letter sent on XX/XX/year>. Although I have tracking numbers confirming receipt of these letters, Apple Card claims they did not receive the last letter. This claim is troubling and indicative of their negligence. 

I also disputed this issue through XXXX, XXXX, and XXXX. Despite my efforts, after 60 days, these credit bureaus reported the errors as accurate and stated that they would remain on my credit report for the next seven years. 

Furthermore, Apple Card has been reporting my monthly payments as {$0.00} on my XXXX credit report for over a year, despite my consistent monthly payments. This continued inaccurate reporting further exacerbates the negative impact on my credit profile. 

This situation has devastated my ability to secure any form of credit. I am now unable to get approved for even the smallest credit lines, such as a XXXX credit card. Despite promptly paying all missed payments and additional amounts as soon as I became aware of the issue, the negative item remains on my credit report, and Sachman Goldman has refused to take corrective action. 

The actions ( or lack thereof ) by Apple Card appear to be in direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i ), which mandates accurate reporting and proper notification. Additionally, their failure to notify me in a timely manner violates Maryland Commercial Law Article Subtitle 9 ( Md. Code Ann., Com. Law 12-901 et seq. ) and the Maryland Consumer Protection Act ( Md. Code Ann., Com. Law 13-301 ). 

I urgently request that the CFPB intervene and instruct Apple Card to immediately remove this inaccurate and harmful item from my credit report. The ongoing impact of this situation is severe, and I seek your prompt action to rectify this injustice. 

Thank you for your immediate attention to this critical matter.
Product: Debt collection

Listen I XXXX ; XXXX, Beneficiary of the ASSUMED NAME XXXX XXXX XXXX , the fore said name that yall credit bureaus abuse soo much.Iam the true Owner of that ENTITY, and I am asking that you remove this name XXXX XXXX XXXX , from every credit database there is!!, This is a Warning of USING MY PROPERTY AS A FINANCIAL GAIN, do not use this name and any proceeds or funds received off that ENTITY to be returned to XXXX XXXX XXXX, Beneficiary of That ASSUMED NAME, all agreements, accounts, profiles, recordings, addresses, phone numbers, etc. Without Prejudice, All Rights Reserved
Product: Credit reporting or other personal consumer reports

I am looking to process disputes on my credit report to delete and remove all inaccurate information that is hindering my credit report. all accounts listed are invalid an not following the FCRA guidelines. I am a victim of identity theft and have no knowledge of the accounts reported. please review an remove all accounts listed to help clear my credit profile asap.
Product: Credit card or prepaid card

They still never opened my card and they took my money it is a Chime card they have been taking people money.
Product: Debt collection

I am filing a complaint against RS Clark and Associates for their role as XXXX XXXX XXXX agent in reporting an unverified debt, violating the Fair Credit Reporting Act ( FCRA ) concerning a dispute over unverified debt on my credit report. 

Details of the Complaint : - Credit Bureau ( s ) Involved : RS CLARK AND ASSOCIATES - Account in Dispute : Account Number : XXXX - Dispute Start Dates : XX/XX/XXXXXXXX XXXX XXXX and XX/XX/XXXX. 

Summary of Issue : Despite multiple attempts to dispute an inaccurately reported debt with the aforementioned credit bureau ( s ), the item remains on my credit report. My initial dispute was filed on XX/XX/XXXXXXXX and again on XX/XX/XXXXXXXX XXXX following the discovery of the debt item, which I believe is inaccurately reported or entirely unverified. According to the FCRA, credit bureaus are obligated to verify disputed debts within 30 days. In the absence of verification, such items should be promptly removed from the consumer 's credit report. 

Despite providing ample evidence and following the prescribed dispute process, including direct communication with the credit bureau ( s ) and the furnisher of the debt, there has been no resolution. The continued presence of this unverified debt on my credit report has adversely affected my credit score, potentially impacting my ability to obtain credit, housing, and employment.

Action Requested : I respectfully request that the CFPB facilitate the immediate investigation of this matter. My desired outcome is the removal of the unverified debt from my credit report by Credit Bureaus in accordance with the FCRA. Additionally, I seek confirmation that this issue has been resolved and that my credit report accurately reflects my financial history without the influence of erroneous or unverified information. 

Enclosures : Please find attached all relevant documentation, including copies of correspondence with the credit bureau ( XXXX ), evidence of the dispute, and any other pertinent information that supports my claim. 

A complete set of details was provided to RS Clark and Associates, located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, through a USPS certified letter with the tracking number : XXXX XXXX XXXX XXXX US. 

Thank you for your attention to this matter. I trust that the CFPB will act promptly to ensure that my rights under the FCRA are upheld, and I look forward to your support in resolving this issue. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize I ha contacted all XXXX CRAs, and they refuse to dispute or investigate the inquiries Attached an XXXX report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurer that are not initiated by consumer ( 3 ) Information regarding inquiries Exc in section 15 USC 1681q ( a ) ( 5 ) of this title a consumer reporting agency s to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around the last week of XX/XX/XXXX, I applied for a loan with XXXX XXXX XXXX  in XXXX  XXXX XXXX , Arizona , I was denied a loan based on information provided by Experian Credit reporting agency . I believe the credit score they provided and other relevant information is outdated and incorrect. I wrote Experian a letter, dated XX/XX/XXXX and demanded a copy of my credit report! Apparently, Experian does not believe in following the law as I have still, as the date of this complaint, not received a copy of said report! I want the report sent to me immediately!
Product: Debt collection

Medical services through XXXX XXXX for blood work. I have sent XXXX XXXX proof of payment. 

I have blood work done regularly. Last appt, at check in, the admin advised that they couldn't do the blood work unless I paid. I showed her the cancelled check which she notated in the file. I also told her that I sent a copy of payment to XXXX XXXX. She acknowledged that they are notoriously slow in crediting accounts and that they do not hesitate to refer to collection agency. She told me that I may need to get a lawyer to get them to stop. Payment was made and check was cashed- see attached - and they continue to send me dunning notices and they have now affected my credit rating. I subscribe to a credit protection service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 Bank of America XXXX XXXX XXXX XXXX, TX XXXX Dear Bank of America, Potentially Negative Item in XXXX  Credit Report Bank of America Secured Credit Number Last four Ending XXXX / Last for SSN XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent XXXX  credit report contains Potentially Negative item reported for my Bank of America Secured Credit card account. ( Refer attachment XXXX credit report number XXXX ) I want you to know that I understand my financial obligations and Id have an excellent repayment record. Above account paid in full and closed. 

Im planning to apply for a mortgage and its come to my attention that the Negative Item on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the Potentially Negative item on XXXX   credit file. 

Thank you for your consideration, and I hope youll approve my request. 


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

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I paid {$460.00} to Ally Financial via the Ally auto app. The same day an unauthorized third party attempted to wire funds from my XXXX checking account for over {$3000.00}. Because of this, XXXX XXXX  completely shut down my account. Still, to this day, my account is being investigated by their asset management department, and I have lost all access until the investigation is final. Since I have no access, I had no way to verify that the payment to Ally cleared other than to rely on Ally themselves. 
To do so, I utilized the Ally app, which I have relied on for the last three years, to make my payments and view my payment history. I logged in multiple times to verify that the payment was showing that it did, in fact, clear and there wasn't a payment owed. It was only in the following month, when the next payment was due that it reflected that I owed two monthly payments. I immediately made both payments and contacted Ally. At the time, I was advised that everything was current, and I had nothing to worry about regarding anything reporting to my credit negatively. Two days later, on XX/XX/XXXX, I received a notification from my credit monitoring software that a late payment was just reported to my report, and my score dropped XXXX points. 
Again, I immediately called Ally and was told by the representative that he does see the XX/XX/XXXX payment, and he will submit this to the " Credit Department '' to remove this from my credit report. He advised me that it could take 45 days and suggested that I submit a dispute to help speed up the process. He then gave me a reference number to include in my dispute ( XXXX ). I immediately filed my dispute with the credit bureaus and followed up numerous times within the following weeks. 

On XX/XX/XXXX, I received a notification that Ally had deemed the late payment valid and would not be removed from my credit report. I again contacted them immediately and spoke to two representatives that stated their credit department was not seeing the XX/XX/XXXX payment and requested that I send a screenshot of the payment history showing the XX/XX/XXXX payment. I sent them the screenshot and followed up via their instant online chat to ensure the requested document was received. The representative confirmed and called me to advise me that she would be escalating the matter to the appropriate department to ensure that this is resolved. On the same day, I emailed XXXX XXXX, the Director and Auto Executive of Customer Relations at Ally, and am still awaiting a response. I can not access my bank account or statements due to XXXX XXXX XXXX  investigation. 

This is not a mistake on my end. I have done all my due diligence in an attempt to get this matter rectified with no response. This has not only been detrimental to my perfect credit that I have worked extremely hard to build, but it is also preventing me from getting a federal job that I have spent almost a decade in college to obtain.
Product: Student loan

Collector XXXX XXXX in MN continues to try to call and collect on a loan involved in a lawsuit with XXXX XXXX XXXX ... collection is suppose to cease until further notice on loans with XXXX XXXX XXXX