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

XX/XX/XXXX Experian inexplicably deleted my XXXX account from my Experian XXXX. 
XX/XX/XXXX Experian inexplicably deleted/disconnected my bank account from my Experian XXXX. 
XX/XX/XXXX Experian continued to advise me that action was needed by me to reconnect my bank account to Experian XXXX. 
I have contacted my bank numerous times about this problem to no avail. They tell me there is nothing they can do on their end. It is all on the Experian end. 
Recently in or around XX/XX/XXXX I discovered Experian had magically " Reconnected '' my bank account to Experian XXXX. Unfortunately, they continue to fail and refuse to " find '' my XXXX account. Experian XXXX does not allow me to automatically reconnect my XXXX account. 
I have had this XXXX phone and auto pay in good standing since XX/XX/XXXX. Experian used to have a hard inquiry on my credit file showing when XXXX signed me up for the current phone and plan that I am on. 
I have tried numerous times to get Experian to reinstate my XXXX account on Experian XXXX to no avail. At least I was finally successful in getting them to reinstate my bank account. 
I want Experian XXXX to show my XXXX account and boost my Experian XXXX XXXX XXXX appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account XXXX - fraud XXXX late payments during covid XXXX ( never late ) XXXX late payment XXXX XXXX 2023 ) never late XXXX XXXX XXXX - XXXX  remove ( XXXX  switches collection places every month ) act XXXX XXXX  never late I need the fraud account delete and the XXXX XXXX  < XXXX  - remove late payments. I am applying for my first home. 

In accordance with the Fair Credit Reporting Act all the accounts listed above have violated my rights. 
15USC 1681 section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

I somehow was approved for an additional loan even though I received an error message when applying, called the customer service number and was advised an additional loan could not be taken out while another loan was active. Unbeknownst to me the loan went through ( I assumed I was using money that I asked my brother to lend me and that he deposited ) I have repeatedly asked how I can pay on the loan since my payments go to the other loan that I have out. I can not log in online like before to pay myself. I was told that I would be contacted in regard to how I can pay but I have not received contact and this was in XXXX. I constantly call and I 'm told the same thing but of course interest is continuing to accrue. When I originally requested how to pay my loan total was {$610.00} which I could have paid immediately ( with the money my brother did get around to depositing ) but was not provided with a way to do so. I just want to pay what I owe. My calls and emails are being ignored so that interest can continue to accrue. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

As I have not heard back from TransUnion in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2015 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Checking or savings account

PNC Bank XXXX XX/XX/XXXX. A deposit and withdrawal were processed at XXXX XXXX  their cut off time. An ACH was going to be processed by the XXXX. I wanted to close the account but until all ACH transaction had been taking care off, I could not close the account. So I deposited the amount of money on the XXXX at XXXXXXXX XXXX, to cover for that pending ACH. the next day on XX/XX/XXXX, the statement shows a {$36.00} overdraft fee that had put the account on balance by exactly the overdraft amount - {$36.00}. Remember, I wanted to close that account so I made sure the balance was going to be XXXX by the end of the XXXX. I contacted Customer Service the next day ( XXXX ), despite that bank statement says exactly this : 1-Deposit Processed on XX/XX/XXXX XXXX Withdrawal on XX/XX/XXXX balance {$0.00} 3-Overdraft fee on XX/XX/XXXX - {$36.00} Customer service said that they could not reverse the fee transaction cause the money was not available to cover for the ACH, though they both were posted and cleared on XX/XX/XXXX at the bank cut off time of XXXXXXXX XXXX. 
I consider this is an abusive practice, they know I wanted to close the account due to I moved to a state that they don't have branches to bank with, and they insisted that I can not close the account now till I pay the overdraft fee, that I was not supposed to be charged with.
Product: Credit card

am so disappointed because I have dealt with PayPal for years now and have always felt that I would not be subjected to being scammed until now. On XX/XX/year> I placed an order with the seller XXXX for 3 wigs and used the PayPal pay in 4 option to complete the purchase in the amount of {$540.00}. I received the order on XX/XX/year> and reviewed them on XX/XX/XXXX and immediately emailed the seller about 1 of the wigs that was unsatisfactory. They emailed back and offered a {$20.00} refund, in which I declined. Thereafter they refused to respond further. I called PayPal and had a complaint placed & later escalated the matter because all I want is them to be held accountable for their online policy of 30 day return but since PayPal states I do not fall under the Buyer 's protection I am left to keep a wig I can not wear that is damaged & thinned out. It is unfair and I have done 2 additional appeals exclaiming I only want them to accept their product back but PayPal has left me to fend for myself with no recourse for the seller because the item is similiar to what they offered. It is disheartening and wrong that I have to keep a. Item that I so not like and lose my {$190.00} return amount. I thought I would be helped with this matter but I will never recommend using PayPal to anyone I know. It's just not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that was previously deleted from my consumer report has just been reinserted. There should have been a full reinvestigation before this reinsertion. According to 15 usc 1681i a consumer reporting agency must provide me with something in writing at my home address within 5 days that a file is being reinstated on my account. Furthermore, you must also communicate who you spoke with to verify this reinsertion.

Account : US Dept of Ed
Product: Credit reporting or other personal consumer reports

I just looked at my Equifax credit report on XX/XX/XXXX and I saw some inquiries on my report that did not have permissible purpose and that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Used XXXX Services XXXX, live XXXX. I have XXXX XXXX insurance. Used XXXX for Emergency. XXXX XXXX mailed billing information to an old address not used. I provided at time of service my current address. Collection agency said they could not collect from XXXX residence as they are not licensed XXXX. Paid the bill, and have repeatedly asked for the the entire file showing mailing dates with responses so I can recoup my {$460.00} from XXXX for the service. No Response from King Credit, XXXX. Frustrated with their lack of concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$580.00} XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  will not update my score 2nd request
Product: Credit reporting or other personal consumer reports

WHERE DID YOU GET THIS LIMIT FROM?????? IT'S NOT CORRECT!!!! WHY ARE YOU CONSTANTLY CHANGING INFORMATION ON MY CLOSED ACCOUNTS?????? AREN'T YOU IN ENOUGH TROUBLE FOR XXXX UP BACKGROUND CHECKS WITH THE CFPB AND FTC????!!!!! YOU'D THINK YOU'D MAKE MORE OF AN EFFORT TO DO THINGS RIGHT!!!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I mailed out letters to Experian asking for an investigation of inaccurate information on my credit report. Also, I sent documents providing my identity ... My state ID and proof of address are on my bank statement. I have attached all letters and documents sent. Experian is stalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has allowed new collection accounts to be placed on my credit report without properly verifying identity and they will not allow me to file a dispute, it has been 60 days now and I continue to receive an error message stating technical difficulties. Afni is listed as a collection on my account in the amount of {$580.00} this same company was listed on my credit report before, I disputed it and this same account was removed by XXXX. This account was placed again, updated with a new report date of XXXX XXXX which is completely inaccurate and false reporting and now XXXX will not allow me to dispute this account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the ongoing challenges I have faced in attempting to correct late open accounts on my credit report. Despite multiple attempts to address this matter, the inaccuracies persist, adversely affecting my creditworthiness and causing significant frustration. 

These inaccuracies are negatively impacting your credit score and causing financial distress. 

Under the Fair Credit Reporting Act ( FCRA ) it is the obligation of Credit Bureaus to conduct a fair and thorough investigation into disputed information. 

I am requesting that you investigate this issue promptly, and to work with the relevant credit reporting agencies to address the persistent inaccuracies related to the late open accounts. 

I am deeply frustrated by the continued presence of these late open accounts on my credit report despite my repeated efforts to correct the inaccuracies. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to rectify the persistent inaccuracies promptly. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$35000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account number 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. 

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Mortgage

Per the Servicer, I do not qualify for a modification because of something in my credit report. After pulling my credit report and filing an appeal for another review, I was notified that it had nothing to do with my credit and now I don't make enough for assistance to keep my home. 

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

I received a letter in the mail stating that I needed to send in drivers license, social security card, and XXXX forms of documents verifying my address for TransUnion to update my address on my credit file in order for me to get access to my credit report. I sent that information in ( drivers license, social security card, two utility billls ), and I am still unable to get access to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One XXXX : Please remove this debt from my credit report. I no longer owe this debt. It has been paid and needs to be removed from my credit report.
Product: Consumer Loan

On Thursday XXXX XXXX, 2016 at XXXX XXXX, while working XXXX my boss sent me a text message stating that she needed to discuss a matter concerning my finances from a banking institution that intertwined with a client of mine. When I returned to the office, from my break, I received a phone call from my client stating that a letter from Navy Federal Credit Union was address to me with his address on it. I asked the client to come to the office immediately and when the client got to the office he showed me the letter, which did in fact have my name with his address. The letter contained my personal loan information, such as the loan number, the dollar amount of the loan, and a pay off amount to clear the loan. This letter was sent by Recovery Specialist XXXX XXXX with Navy Federal. I called the Navy Federal number XXXX and spoke to a representative and told her what was going on and she told me to call back the following morning to talk with the Supervisory Recovery Specialist. I called back the next morning and spoke to a Supervisor Recovery Specialist XXXX XXXX XXXX XXXX. She told me that she was advised by her supervisor not to discuss this matter with me. I asked to be transferred to another supervisor and was transferred to a supervisor with the last name XXXX. This person told me that Navy Federal did n't do anything wrong and would not tell me how she got my client 's address or how my client 's address was linked to my account. When I requested to speak to her supervisor she refused to put me in contact with her supervisor and hung up on me. My employment with the XXXX was terminated seven days after they were notified of the letter.
Product: Debt collection

This is an old XXXX gas card. I told this same collection agency and XXXX, THIS card was used by another person for unauthorized use. 
I had a cousin who i helped, unfortunately HE used this card without my permission on numerous occasions. After he moved he wrote me and told me. 
this collection XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX
Product: Consumer Loan

1. I was in request of my monthly statement for the stated amount due of {$910.00}, made it known that I was going to make a payment today to bring my account to date. I did have reservation in making any other payments until I saw a detailed accounting of my late fees and additional charges, as well as understood why the balance on my account I was told that I did not get a monthly statement and they were not required to give me one. 
2. I was also in request of my agreement that specifically stated that I was not entitled to an accounting for my vehicle payments, as well as where in the agreement that I signed, stated that I was required to pay a daily late fee of {$7.00} for each day that my account was late. I was informed that I was a high risk loan or simple interest loan and that the regular late fees, {$15.00} Credit Card transaction fees, {$9.00} XXXX XXXX fees, Monthly late fees as well as a XXXX % interest rate had only reduced my account principle by {$2000.00}. 
3. I was informed that I would not receive anything regarding statement of payment, account balance, ( nor were they responsible to do so ) copy of agreement or any other information that would help me reconcile my account until I had paid the balance due. 
4. Also, I made it very clear that no one was to harass me at work again with either phone calls or other means.
Product: Debt collection

On XX/XX/2022 I logged into check my credit report and found an account that was fraudulently opened in my name with XXXX XXXX XXXX Bank in the amount of {$11000.00}. I have since resolved this issue with FFAM ( First Financial Asset Management ) who is the debt collector and I am now working with XXXX XXXX  XXXX XXXX XXXX XXXX ) to make sure my case has been discharged as fraudulent.
Product: Checking or savings account

I filed a previous complaint about Chase freezing and then closing my accounts ( XXXX banking and XXXX retirement ) in XXXX. 

I still have not received the funds nor any further update on their investigation.
Product: Credit card or prepaid card

I am writing you in regards to unauthorized charges made through XXXX XXXX  on XX/XX/2020 for XXXX under the account XXXX. I notified by email within minutes of the unauthorized charge. This charge was accidentally placed by a XXXX XXXX XXXX who was playing the game and accidentally made a purchase. They have not responded to the email. I also reached out to Capital One after the email was sent because I was in a panic and they started a dispute for me on that date. I gave then everything I had which was the email I sent and the fact that I did not authorize it. They have since denied it twice and are now telling me to go back to the merchant who is in XXXX and not responding. My husband sent another email today after the second dispute was denied. 

I always pay early and for more than the minimum. I didnt authorize this purchase and I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XXXX XXXX, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX XXXX is the company that is reporting to XXXX and they were able to remove it to XXXX and Equifax. And for XXXXT is the company is the company that is reporting to XXXX and they were able to remove it to XXXX and Equifax. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to XXXX XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek XXXX  and charge {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Checking or savings account

I have been the victim of fraud and Chase bank refuses to do anything about it. I am currently out of more than {$4000.00}.
Product: Debt collection

Midland Credit Mngmt XXXX XXXX XXXX. XXXX XXXXXXXX sold their debt to Midland Credit Mngmt and is suing me in Court for incorrect payment owed. In addition, President Biden is passing law to change late fees to {$8.00}.
Product: Credit card

I have two Credit Cards with CaptialOne and when I get paid is. Normally 1 day off the due day, so I scheduled a payment to come out of my account that pay the payment monthly so I could be free of the fee but nope I got charged. I think is massively unfair to be considered late or even 24 hrs after the due date. 

There should be a grace period were peerson like me can setup those payments to enusre payment goes through. 

I would greatly appreciate removal of the most recent late fee charged on both cards with Captial one because i am not rich and I don't have the money to pay off the cards once or I would them I would never be charged this massively poor fee... 


Also, if I setup a payment that is the day after not even 24 hrs after the due date the fee should not be charged because it was paid within 24 hrs of the due dates.

Its massively messed up that every month I'd I am late my 4 hours or 12 hours I get charged a large fee. 


Please return both fees for XXXX. This is messed up but all you care about is cause financial hard to everyday persons. Please fix this fee issues.
Product: Debt collection

On XX/XX/2023 I called Bull City Finacal identified myself and requested that an itemized bill be sent to me detailing services rendered and the amount charged for services. XXXX a representive denied my request and stated i sent that it in XXXX. I then asked you sent me an itemized bill and are telling me that you want send me one now?? He said YES. I then asked again the detailed bill be sent and the document with my signature releasing XXXX XXXX XXXX to him be provided he stated I dont have to do that. I then tryed again to resolve the debt and asked could it be negotiated and us settle it someway if he is refusing my request he responded NO it can not you need to pay the entire amount to us. I then terminated the call. This is sesistive to me I am a 100 % service connected XXXX veteran with XXXX and my health information and XXXX XXXX XXXX XXXX was private and no one elses buisness. I NEVER GAVE ANYONE PERMISSION TO RELEASE MY XXXX. Please help me to resolve this issue.
Product: Credit reporting or other personal consumer reports

The company Ally Finacial ( who I have an Auto loan through ) keeps reporting to the credit bureaus that my account balance has increased. This has happened atleast 4 times that I know of. I have never missed a payment and when i contacted the company i was told it would take 45 days to get response and the operator said they could not help me and he could only pass along the information. They eventually sent me a letter in the mail reflecting my account was up to date and I had never been late on any payments. This consistent reporting is continuing to negatively affect my credit score. After my contact it appears they have done this again just today.