23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

I received a USbank Reliacard in the mail and I did not request it. I am not eligible for unemployment benefits and did not apply for any. I tried to call USbank and can not get through to a person to talk to. In my attempts to get to a live individual, the company wanted too much personal information that I was not comfortable providing. I am concerned that someone has obtained my social security number and applied for these services in my name.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX federal loans with Navient. I was under the impression that my student loans were in forbearance, however my repayment status changed without my knowing and they reported 90 days late to the credit bureaus. I called immediately and had them placed in forbearance but they would not remove the lateness from my account. It dropped my credit scores significantly and I have worked extremely hard to establish good credit.
Product: Credit reporting or other personal consumer reports

In accordance with written instructions of the consumer to whom it relates. I never gave any consumer reporting agency a written instruction to report anything on my credit report which violates my rights.15 USC 1681 E COMPLIANCE PROCEDURES ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Under, 15 U.S.Code 1681b- Permissible purposes of ( a ) In general subject to section any consumer reporting agency may furnish a consumer report under the following circumstances and no other.Experian routinely and uncritically accepts the original furnisher 's response to the disputed information, even when this response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable Experian. FCRA 's requirements. I submitted information on XX/XX/year> and XX/XX/year> about incorrect information on my report. Please remove the following Accounts : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My credit score has dropped almost XXXX points over a XXXX month period. I am planning to purchase a car so the dealership checked my credit. Nothing bad about it but the credit score keepers decided my score needed to take a hit. I paid off my credit card and my score dropped XXXX XXXX. These companies are ridiculous, corrupt and should not be allowed to constantly manipulate scores. They are also allowed to keep old information for years on record that keeps scores low. If you have no debt your score is decreased. 

My credit score is probably going to drop because I complain about them When is this corruption going to end?
Product: Debt collection

This XXXX  Account : XXXX. Enhance Recovery CO L # XXXX has violated my rights According to FCRA. 

Be advise this is a Notice sent pursuant to the Fair Credit Collection Practices Act ( FRCA ) [ 15 USC 1692g ] stating stating your claim is disputed and validation is requested. 

This is not a request for " verification '' or proof of my mailing address, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices provide me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. 


At this time, I will also inform you that if your offices continue to report invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws.

1. DEFAMATION OF CHARACTER ( per se ) 2.Negligent ENABLEMENT OF IDENTITY.

3. Fair Debt Collections Practices Act 15 USC 1692g VIOLATIONS 4. Fair Credit Reporting Act 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOPLIANCE- 616. CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE [ 15 USC 1681n ]
Product: Payday loan, title loan, or personal loan

I purchased a product on XXXX for {$810.00}. I opened a dispute due to the condition of the product as I felt it differed from the description. I was offered a full provisional credit of {$810.00} on XX/XX/XXXX. 

I was able to resolve the dispute and the case was closed not in my favor, which I accepted, so a chargeback of {$810.00} was charged to my account on XX/XX/XXXX. 

That chargeback was then charged again ( double charge back ) on XXXX. 

Upon noticing the duplicate chargeback on my account, I called the bank on XXXX to notify them that they had double charged me. They confirmed that they were looking into it and would open a case. 

I received a notice that my case was closed, not in my favor, because the agent had incorrectly opened my case referring to the original charge being disputed, not the chargeback. 

So I called again on XX/XX/XXXX where I was told they would properly open the case. 

I called again to check up on the case on XX/XX/XXXX, where I was notified that no case had been opened for the double charge back. The agent stated they would properly open the case. 

I called again on XX/XX/XXXX, where I was again notified that there had been no case opened for me regarding the double chargeback. I asked to speak to a supervisor, who confirmed with me that he would open a " escalated dispute '' for my double chargeback with a resolution timeframe of 30 days. 

I called again today on XX/XX/XXXX to get an update on the case where the supervisor notified me that the dispute for the double chargeback was yet to be addressed by the dispute escalations team. I asked for documentation or a case ID/dispute ID to have confidence that this was being looked into, but the supervisor stated that there was no documentation he could provide to me to confirm the case had been opened. 

As a consumer, given that I called to file the original double chargeback dispute on XXXX, it has now been 83 days, which is 23 days in excess of XXXX XXXX timeframes for dispute resolution ( 60 days ). 

As of today, XX/XX/XXXX, the bank has still not reversed one of the duplicate chargebacks to my account. I am opening a complaint as I feel it is my only chance at getting a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My apartment was broken into and several ID documents stolen. After the theft several accounts were opened in my name. I reviewed my chexsystems report and found the following account reported : XXXX XXXX XXXX / XXXX XXXX This account is not mine and I did not open it. 

I have attached a copy of the police report.
Product: Credit card or prepaid card

I received a XXXX Credit Card on XXXX XXXX and want to cancel the account immediately. 
I tried to fax the request to ( XXXX ) as instructed on their phone message on XXXX XXXX as well but your fax number did not work either. 

I tried calling numerous customer service number listed in the credit card booklet but all were the same automated message. 

XXXX has an address mail the cancellation request and it is in XXXX, GA in their booklet and I will send that well but I wanted to file a complaint so no one else will fall into this trap. 

XXXX Customer Service Number I called are : XXXX XXXX XXXX XXXX All of the above are the same automated message for XXXX XXXX XXXX XXXX.
Product: Credit card

In XXXX or XXXX, I received a notice in the mail stating that FNBO was going to increase my APR in XXXX. On XX/XX/ I paid the full balance {$2300.00}. On XX/XX/ I received a letter stating that my credit limit was decreased due to delinquency on my account with them, total monthly payments and DTI. When I called to find out how I was delinquent when I paid it in full, I was told that I had a {$13.00} balance that I didnt pay. I informed to rep ( XXXX XXXX # XXXX ) that I never received a bill for the {$13.00} and was told that I was enrolled in e-statements. I said I never enrolled in e-statemets and always received a bill in the mail. I requested to have the issue elevated and to speak to a supervisor. She placed me on hold for a few minutes and told me her supervisor XXXX XXXX XXXX said there was nothing they could do and to figure it out with the credit union, XXXX. She said I could also request a credit increase in four months but it would require a credit pull. I reiterated that I never enrolled in e-statements and how they could address that. She told me if I wanted a bill for that, she would send it. I wasnt allowed to speak to a supervisor nor would she address the fees on the account after I paid the account in full or that I didnt enroll in e-statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 'XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - In accordance with the fair credit reporting act 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: Credit card

I am being billed by a company called Paypal Credit for a charge on a deferred purchase BUT I never requested the different payment account. I pay all my credit card bills for purchases in full. I received statements saying I had a zero balance and so, just filed them away. Then I started to receive bills indicating I had late fees and interest due on a paypal account. I called the customer service number and a person said they would reverse the fees and account needed a payment to close the account for a purchase. I authorized the payment to pay for the purchase and they said my account would be closed. The account was not closed. And I received another bill for additional {$35.00} late fee. I figured the payment crossed in the mail/processing of the prior payment. I ignored that bill. Then received another bill for {$35.00} I called customer service again. They said the account fees would be taken care of. Now I keep getting bills for late fees of {$35.00} on ZERO purhcases. I tired again to find out what might be a legitamate charge and was advised that {$38.00} would resolve the past purchases. I authorize that amount and was assured by CS Rep that all would be reversed by her supervisor and account closed. That was 10 days ago and thus far, the account is still opened and now the fees are up to {$180.00} with no evidence that my payments have ever been credited. This company is apparently a SCAM.
Product: Mortgage

Freedom Mortgage increased my monthly payment, thereby overcharging me because they believe my home was uninsured between XX/XX/XXXX and XX/XX/XXXX. However, I have provided proof of insurance for the property, and they continue to give me the runaround. I've called and messaged countless times for the last four weeks and have not received a resolution. I had to pay the higher mortgage payment for the month of XXXX, and I am trying to avoid the overpayment for XXXX. I would like to go back to my original payment. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 
XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit reporting

Credit report lists my correct address and XXXX false address where I have never lived.
Product: Mortgage

In XX/XX/XXXX, I received an escrow analysis for my mortgage with Truist Bank. Upon review, I discovered that XXXX property tax payments had been made from my escrow account. However, only XXXX of these payments corresponded to properties ( XXXX and XXXX ) I own. The third payment, in the amount of {$3900.00}, was made for a property that is not mine ( XXXX ). 

I immediately contacted Truist to report the error. After investigation, they acknowledged the mistake and stated they would escalate the request, correct my escrow analysis, and seek a refund from the XXXX XXXX, XXXX XXXX XXXX. On XX/XX/XXXX, they assured me that they were reaching out to the tax office and would return the funds to my escrow once recovered. They also re-analyzed my escrow without the incorrect payment, reducing the expected increase to my monthly mortgage. 

Since then, for over XXXX months, I have called Truist nearly every XXXX days for updates. Each time, I am told they are waiting on the tax office. However, after speaking directly with XXXX XXXX XXXX XXXX, I learned that : No one from Truist or their escrow provider, XXXX, contacted them before XX/XX/XXXX. 

The tax office has assigned a representative to my case, provided direct contact information, and is ready to process the refund as soon as Truist or XXXX submits a formal request. 

The delay is entirely on Truist and XXXX, not the tax office. 

To make matters worse, my neighbor, the actual property owner, recently received a demand letter from Truist instructing him to pay {$3900.00} to the bank. 

Truist claims that the tax office told them to collect the funds directly from the property owner. 

This is a false statement, as the tax office confirmed they never advised this and are still waiting on Truist or XXXX to initiate the refund process. 

The impact on me as the borrower has been significant. 

My mortgage payment increased by {$200.00} per month because my escrow account was incorrectly depleted. Had the funds not been misapplied, my escrow would not have been short, and my payment would not have increased. 

For over XXXX months, Truist has failed to act despite clear instructions from the tax office. 

Truists improper demand on my neighbor has created unnecessary social and personal stress for my family. 

I have spent at least XXXX hours on phone calls over XXXX months, repeatedly following up due to Truists failure to act, wasting my time and causing undue frustration.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I paid my car note on XX/XX/2025. I paid a total amount of {$520.00}. Which wouldve avoid me being 30 days late period. I paid on a Friday. However, the company would not allow my payment to post until the XXXX next business day. I want to ensure that I do not receive a One time 30 day late on my credit Report. This is unfair and Not counting weekends for A check by check consumer does not give us the grace thats needed. Please make sure that the company do not report a one times 30 that can hinder any future credit approvals and decrease credit score. If this happens, it could endanger my job and my residency since interest rates are so high, I feel that this should be an adjustment that Toyota financial should consider
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$22000.00} There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Personal information : Name should be- XXXX XXXX Address should be : XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Fl. XXXX. 
Employment should be : Student.

Status divorced should be removed.

Address Identification No. & accounts showing as mix match is derogatory and should be removed from my credit file.

Problem with fraud alert or security freezes placed without my authorization should be removed.

Showing a delinquent account when it's not.

Account balances being reported incorrectly.

Lenders management of accounts reporting incorrect information causing negative impact to credit files.

Payment sent timely but showing as a late payment. My payment was sent in my correct name and address as for 8 years but account # was changed by the company and I notified them I mixed up the account number instead of contacting me they returned the payment instead of applying the payment.

Hard inquries made without authorization : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As a federally protected consumer I have multiple inaccuracies, 15 USC 1681. reporting to the XXXX major Credit Bureaus XXXX XXXX XXXX XXXX and Equifax XXXX I have reached out to all said corporations and agencies documented on this consumer complaint document, for the last XXXX months XXXX to XX/XX/XXXX and as far back as XX/XX/XXXX with several registered letters. I have been ignored and the emotional and financial stress it has applied to my life has limited my ability to live a safe, healthy, and prosperous life. I have been consistently denied essential necessities such as credit, automobiles, and loans due to the consumer abuse of the agencies and corporations alike. My life and ability to function sufficiently has been severally damaged because of these illegal actions, I can not get anything. My identity has been stolen and used inappropriately 5 USC 522a. 
PRIVACY ACT OF 1974 My non-public personal information has been shared with third party companies and agencies such as XXXX, XXXX and Equifax. 15 USC 6802 6805 The limits on disclosure of nonpublic personal information to nonaffiliated third parties-16 CFR 313.10
Product: Debt collection

I'm getting daily calls from nasty people claiming to be from American Express. I don't do business with American Express, never have and never will. Whatever debt they are calling about is not mine. They ask for someone named XXXX and I am not XXXX.