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

To whom this may concern : I have made a vow to myself that I would work strictly on my report and be persistent to reach my goals. However. The credit bureaus is making this process extremely hard due to their unethical and lazy practices. This is my 4th complaint against them because the entire system is unfair, reporting unfairly, and calculating credit scores unfairly. I have noticed the bias and I will let this be known publicly until the right person sees what's going on. Now, I have been working on my report for years. Never ever received the results I was expecting even when I tried very hard to do so. I gave it a break to come back and this time I actually feel good with the progress I've made on my behalf as far as keeping my current accounts in good status. The credit bureaus calculations shows poor ethics if I were to go by the calculations. Something's isn't right!!!! All of this is bias and the world needs to know about this. I have over 7 accounts in good standing but 3 late payments are keeping my school In the low 500 's. How? Not only that, today, XX/XX/2021 a collection account balance decreased from XXXX dollars to {$0.00} and my score dropped 16 pts? From XXXX to XXXX. I don't understand. This is unfair. XXXX  has a full balance being owed for XXXX and the account was paid in full. ( I have a letter to prove it ). However, XXXX claimed they investigated only to come back with the same information that was there before the dispute. Remind you it takes 45 days to close a dispute. That is too long to wait for a response from inaccurate information that was never verified. Them have to do the dispute again and waste 45 more days. I guess consumers doesn't have a life or goals. 90 days of delays, because my score is stagnant until then. There is nothing else to dispute on my report. I'm asking if someone can please take a look at my report. Something isn't right and I'm going to get to the bottom of this unethical act. It all seems bias to me because it's no way ... .people will miss this if they don't pay attention to what's going on. Please see attachments below. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL POLICE DEPARTMENTS TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

I called this debt collector in hopes to set up a payment plan or to settle for less due to me leaving many messages and never hearing back from anyone. The interest has went up thousands and I called willingly to hopefully resolve the account. The first employee I spoke to was very rude. It started when they assumed that I would have money to pay off the account at tax time in XXXX because Ill get my return and when XXXX expressed that I wouldnt be able to because I havent even gotten my w2 yet, the employee started to say that they know Ill have it, most us companies 90 % sent them out immediately, after me telling them during the series of questions that I was currently unemployed she repeated that to me in an attempt to put me down by sayin you dont even work because I told her that I have never received my w2 in the first week of XXXX and that employers can send it out by XX/XX/XXXX at the latest. I asked to speak to a manager and the manager ( XXXX XXXX or XXXX XXXX ) got in the phone and was even more disrespectful. She talked down to me again, and then she told me I would get no help resolving the account and no help with the interest and hung up on my face even after I advised her that I was recording the call.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed information that was fraudulent and incorrect information I did not authorize* Trans union XXXX 1.XXXX XXXX 2.XXXX XXXX 3.cXXXX XXXX, XXXX 4XXXX XXXX XXXX, XXXX
Product: Debt collection

I was deployed XXXX XXXX. There is a debt on my credit report for Resurgent Receivables in the amount of {$710.00} from XXXX. XXXX. I was still deployed in XXXX. 

I have disputed the account from all three credit bureaus ( XXXX, XXXX, XXXX ). XXXX has removed the inaccuracy from my credit report, but XXXX and XXXX have not. 

Please send debt validation information. Otherwise, delete the inaccuracy from my credit report.
Product: Mortgage

I suffered damage to my home during Hurricane Michael and received a check from my insurance company for XXXX dollars. I notified Fifth Third Bank that I wanted to use the funds to pay off my mortgage, I received a letter from them date XX/XX/XXXX acknowledging my request for payoff and instructions on how to indorse check and where to mail. I also received a payoff that was good till XX/XX/XXXX. I sent them the check endorsed by my wife and I with the account number notated on from and the request to pay off my mortgage, I have the receipt from the postal service where I mailed the check and I am showing on my account where they have cashed the check and listed it as an unapplied credit. I have called several time to get this resolved and was assured that my account would be paid off as of the XX/XX/XXXX. I received a letter dated XX/XX/XXXX advising me that all late fees and negative impacts on my credit report would be waived or retracted and that they hade posted my payment as instructed. I call this afternoon and was being transferred and was put on hold for over thirty minutes and I hung up. To me it would have been as simple as them endorsing the check taking my balance owed and mailing the rest back to me. I still don't have my money and now they say I am late on my payment. I am a XXXX XXXX XXXX XXXX XXXX veteran and this is causing undue stress that I don't need. Can you help me?
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX Previous Address : The following previous addresses are wrong : EMPLOYER - XXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

EMPLOYER - XXXXXXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]  paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS DEPT OF EDCUATION/XXXX  XXXX never late DEPT OF EDCUATION/XXXX  XXXX never late XXXX   XXXX  XXXX  XXXX never late XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine Additionally, Experian has systematically and maliciously changed items on my credit report to lower my score. 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting

I have filed complain with all XXXX credit bureau 90 days a go and still have n't gotany reply back
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that TransUnion have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment and high credit amount reporting inaccurate information. 

Account XXXX XXXX XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Why is high credit reporting XXXX XXXX it should state XXXX XXXX not XXXX $ Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I will sue your company for failing to report accurate information and damages caused by your company! You are in violation continuing to report! 

In this complaint accompanies a copy of my current credit report showing proof of the inaccuracies reporting on my credit profile
Product: Credit reporting or other personal consumer reports

I am seeking your help with the account that is incorrectly listed on my credit report. This is damaging my reputation as a customer, and I need your assistance. I would like these accounts removed, as they have been reported inaccurately and in a harmful manner.
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my XXXX XXXX XXXX credit reports and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These accounts have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

I contacted your company to convey my objection regarding certain details in my credit report. Attached to this correspondence is a duplicate of my initial communication. However, I haven't received a response from your company regarding my dispute, which now requires either an amendment or removal of the contested entries from my credit history. XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX  MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} MRV XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$3100.00} XXXX XXXX Balance Owed : {$9900.00} XXXX  XXXX XXXX Payment Status : Late 30 Days XXXX  XXXX XXXX Payment Status : Late 30 Days XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX Payment Status : Late 90 Days XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Late 30 days XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed : {$110000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$5000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$2600.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Dispute letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Dispute letter XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3900.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7700.00} XXXX XXXX XXXX OF EDXXXX XXXX XXXX XXXX XXXX {$2300.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7500.00} U S DEPT OF EDXXXX XXXX XXXX XXXX : {$1700.00} U S DEPT OF EDXXXX XXXX Balance Owed XXXX {$3700.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7100.00} U S DEPT OF EDXXXX XXXX XXXX Owed : {$8200.00} U S DEPT OF EDXXXX XXXX Balance Owed XXXX {$10000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$4000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$2700.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$4300.00} U S DEPT OF ED/XXXX XXXX Balance Owed : {$2100.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I began writing letters to the credit bureaus and specific creditors reflected on my credit report beginning in XXXX of 2017. I believed items on my credit report reported inaccurately an not in compliance with the FCRA and FDCPA. The accounts in question are XXXX XXXX XXXX, XXXX XXXX XXXX and GM Financal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card

I opened a Discover account in XX/XX/2024. On XX/XX/2024 I went to my Discover card app and it was flagged that there was a problem with the account and for more info call Discover. 

I found out that Fraud Protection automatically CLOSED my account for no other reason than I apparently did not respond to a phone call from them for more identifying information about me. There was no balance due on the account and my payments had never been late. 

People get thousands of scam phone calls a day. This fact has apparently escaped Discover. At NO time, did Discover attempt to message me through the official app, where I would be assured that I was actually speaking with a Discover Card employee about my account. The telephone number I was given via voicemail was not the openly published Discover card number. I checked my account on the app when I received the voicemail to see that there were no fraudulent charges and I disregarded the call as a likely scam. 

When I saw the banner on the app I called Discover and was transferred to Discovers Fraud Protection department. I was told that they could not reopen the account. It was closed automatically by their computer system because I did not respond to Fraud Protection calls for more information about me. They acknowledged that there was not a problem with any balance owing on the account and my payments had been made on time, but closed the account anyway. There were no new or fraudulent charges on the account. 

They told me my only option was that I had to RE-OPEN a new account and they transferred me to a person working in new accounts. I answered all the questions to open a new account and I was then told that despite making XXXX figures and having a high XXXX  score, my request to open an account was DENIED because of the current status of my Discover account. 

I did nothing wrong - the account was paid timely and in full! While they can put a banner up on the app after the account is closed indicating that there is a problem with the account, they cant at least message me through their official app before they arbitrarily decided to close it?

Discover erroneously closed my account and now my credit has been affected because of the status of that closed account. I cant reopen the old account and I was denied opening a new account for no other reason than the creditor closed my account!

I have talked to countless people at Discover and have been transferred to numerous departments. Every single person has told me there is nothing they can do. I have never even heard of anything like this.

I want the account status restored and I do not want this affecting my credit score in any way. They did a hard pull on my credit to open a new account because they automatically closed the old one, and then turned right around and denied opening a new account because of the old account status. My credit score has obviously been affected and is being reported as an account closed by the creditor. Please help me resolve this terrible situation.
Product: Vehicle loan or lease

On XX/XX/XXXX I went on the Navy Federal Credit Union Mobile app to start a re-finance loan. Midway through the process, I changed my mind and did not want to continue with the process. On the screen, I was provided the option to save the information and exit the process and I was provided a message that I can resume the application by going to navyfederal.org or by calling XXXX. It said after 5 days, a decision will be made. I called this number 2 days after and spoke to someone to make sure that this loan does not continue or is processed because I did not want the loan, nor did I want to have another inquiry on my credit. The message on the screen made it seem as if the loan was not finalized. I have attached a screenshot of the message that says " You're almost done. There are a few quick steps left to finalize your application ''. There was no warning or indication of any kind that my credit would be run, or the loan would go through. Especially after I called them 2 days later, it was my understanding that I had cancelled the entire process. I received an email today that Navy Federal is still considering my loan. This prompted me to call them again because I did not authorize them to process anything from the beginning. I did not go through the entire loan process on the app, and I had already called to cancel. I checked my credit and Navy Federal is there with a hard inquiry. I do not agree with this because it is my understanding, I did not authorize them to go through with this loan process and it looks like they are still trying to process a loan that I called and told them to not process at all. I called them again today, XX/XX/23 and was told the disclosures on the mobile app says the credit will be run. I did not see any disclosures nor did the screen say that. I did not agree to them running my credit at all and stopped the process on the app before I got to this point. I want the hard inquiry for Navy Federal removed from my credit. This is negatively affecting my score for something I did not want or authorize.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. $ XXXX {$2600.00}, US DEPT ED $ XXXX {$2100.00}, XXXX / XXXX XXXX XXXX {$1000.00}, XXXX $ XXXX {$530.00}, DEPTEDXXXX $ XXXX {$3500.00}, DEPTEDXXXX  $ XXXX {$2000.00}, US DEPT ED. XXXX XXXX {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called 5 times I have disputed the address that they reporting on my account is not correct I have verified my identity with Experian I have provided documents with my correct and current address from XX/XX/2023 as of today they still refuses to update my address I have provided current bills current lease agreement but still they want update my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX XXXX XXXX years ago to build my credit, I never mail a purchase on this card ever, some how my card was used fraudulently in NY for {$490.00}, I contacted XXXX XXXX and even spoke with a supervisor they refused to do anything about it, they were very rude dealing with my concern, now they put it on my credit report as passed due for 90 days. How can I be responsible for charges I never made. 
XXXX XXXXXXXX is the worst bank to try and build your credit. I tried many times to close this account and they refused. Please request a history of my credit card from them I never used the cards the entire time I acquired it.
Product: Consumer Loan

Toyota Motor Credit Acct # XXXX is reporting that I owe a balance of {$1100.00} after turning in a leased vehicle. These are outrageous and inaccurate charges that are NOT TRUE! They are charging for keys when both keys were turned in the same day that the car was returned to XXXX XXXX XXXX. They also state that there were " scratches on the spoiler '' - there 's NO spoiler on the car. I was n't even there when the so called " inspector '' looked at the car.. They even have the interior color wrong! The vehicle was well taken care of, including low mileage and in great condition. I have called several times to try to rectify this situation and I get nowhere! I 've also sent demand letters. Their customer service has not helped me in any way. The information being sent to me is not accurate. I am so disappointed with this company!