23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been in contact with the credit bureaus in regards to recent hard inquiries on my credit. I work for the government and Office of Personnel Management ( OPM ) had a malicious cyber intrusion which resulted in XXXX employees information being breeched XX/XX/2015. I was an employee that was effected and OPM sent me email that is attached dated XXXX XXXX, 2015. I have been getting hit with multiple inquiries on my credit and I have communicated in writing, as well as on the phone to all three credit bureaus. They will not remove what has been requested and once again I can not get anywhere,
Product: Debt collection

this creditor says i owe them a debt. i do not owe them or is liable for that debt i asked for validation with our original application and haven't received it yet it is not mine this is a violation of fdcpa sec. 807
Product: Student loan

I co-signed for my daughter student loan a few years ago, now Navient XXXX XXXX ( not sure what company this is ) continue calling me after I told them not to call several times, they use different phone numbers, unlisted name etc. I informed them I will file a complaint and donot call. My daughter is still in school working on her XXXX. and I am sure she will make arrangements once she is done
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX XXXXXXXX I was never late on this account- Please check status on this account the past due information is wrong 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 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: Checking or savings account

I opened this account for my XXXX daughter 5 months ago. Although I made an error with her social security number, they have failed repeatedly to correct, or return my money. the office claim that we should call XXXX whoever he is would help was not true they did nothing but ask us to call if it was still a problem.. We have verified all information repeatedly. we have complained in writing over 16 times. Spending hours on the phone with no verification of conversation.they refuse or are incapable of resolving and refuse to close the account and make funds available or transfer to our joint account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Item 1 : XXXX XXXX XXXX  XXXX XXXX, Credit Card, XXXX Item 2 :  XXXX XXXX  XXXX, Credit Card, XXXX Item 3 : CHRYSLER   CAPITAL, Auto Loan, XXXX Item 4 : XXXX XXXX, Lease, XXXX Item 5 : XXXX XXXX XXXX, XXXX XXXX XXXX  Once again I'm notifying you regarding the Fraud/ Inccorect reported information on my credit report. A re-investigation is required as of my Rights Under 15 USC Section 1681n 1681, which requires your compliance with the law. 
Suportive documentation regarding the inaccurate accounts on my credit report will be attached to this statement. As this issue has become extremely frustrating, seeing these negative remarks on my credit report has prompted additional legal guidance on my behalf. It would be greatly appreciated if this were attended to immediately. Any information on the credit report which is not 100 % accurate and verified must be deleted. I am requesting that these items be DELETED at your earliest convenience. As such remarks diminish my authentic credit history on the attached report.
Product: Debt collection

XXXX XXXX XXXX began calling me 3 weeks ago claiming I had a balance due with XXXX XXXX XXXX ( they have an F rating with the Better Business Bureau ). I had closed my parking account at XXXX XXXX XXXX   at XXXX XXXX XXXX XXXX in XX/XX/XXXX with no monies owed. JNR claimed I owed different amounts to the facility, during the first call they claimed a balance of $ 300+, in another call JNR they claimed it was {$170.00}. 

I experienced bad service while a customer at XXXX XXXX XXXX XXXX : 1 ) XXXX XXXX  could never get my tag to work through the front entrance..I had to enter through the back alleyway ( they never fixed the problem ), 2 ) I returned my fob/tag to the facility and did not receive my deposit back, 3 ) I often found XXXX  employees sitting or leaning on my vehicle when I was parked near their valet service, 4 ) I could not get 24hr access to my vehicle, the XXXX XXXX XXXX was often " on break '' during non-peak hours, 5 ) When I had to enter through the XXXX lobby I was frequently treated unprofessionally and asked questions or denied access ( profiling -yes! ) I contacted XXXX XXXX XXXX directly via email ( my phone call messages weren't routed or returned ). I worked with a representative named XXXX. I forwarded XXXX the email correspondence from XXXX XXXX and XXXX XXXX from XXXX XXXX two representatives that I had previously worked with to close my account. On XX/XX/XXXX, XXXX emailed me acknowledging that XXXX XXXX was going to remove all fees, clear the account and remove JNR 's collection actions. I have this email from XXXX as proof. 

To date - I am still not sure if my account was cleared. JNR has still contacted me. When I followed up with XXXX regarding this matter, she replied that she will leave the account open with JNR and they will be my only means of contact. XXXX at XXXX XXXX will no longer reply to my emails or provide any details. 

JNR has refused to investigate the matter. The last representative I spoke with gave me a non working number to contact XXXX XXXX again. JNR has been unwilling to investigate this matter saying " it is your problem '', all they ( JNR ) have to do is " provide ( a wrong ) contact number to the business ''. 

I am getting the runaround from JNR and XXXX XXXX XXXX, neither company is working on my behalf to clear my account. XXXX  XXXX agreed to clear my account and then didn't follow through. 

This treatment is unprofessional, unethical and possibly illegal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 

I looked at my TransUnion credit report on XXXX XXXX, 2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I've tried to make several paymens via Nelnet that have been " returned '' or " failed to process '' over the last few months. I've reached out to my bank and they say on the initial attempts there has been no pending transaction or tries to receive the funds yet my payment fails costing me more in interest and potential credit score since my payments are now " late '' when I resubmit. The initial payment every month always goes into processing for 5+ days and then comes back returned. I reached out to Nelnet customer service and they say they have no record at all of these returned payments despite me receiving a notification every time they occur.
Product: Checking or savings account

My attorney yet again recommended me to do this. I have been dealing with this company since XXXX XXXX. XXXX which was a dispute for an XXXX XXXX transaction on XXXX XXXX in the amount of {$380.00} that was taken from my card. So I contacted Albert via text and they said Hi, we reviewed the transaction issue you reported. The transaction was authorized at the time it was initiated, so it is not eligible for credit from Albert. Please work directly with the merchant to resolve the issue. Let us know if you have any further questions.

So after that I told them they cant limit the disputes. I requested for their legal team information but they refused.

So days later I file a XXXX  complaint against Albert and submitted a screenshot of the response I got from XXXX which XXXX said Based on the details you provided we recommended you to contact your financial institution and initiate a chargeback. 

We can not do anything once funds are taken from your card. Even if it is Unauthorized or the funds do not properly transfer. 

We are sorry we couldnt be more of assistance to you. 


Yet still after that Albert even refused through XXXX.

So now were up to this point t where Im filing this complaint in hopes to have Albert reimburse these funds that were removed.

There are many banking regulations they must follow and if after this complaint they dont give me a right to file my dispute and end up having my dispute to be rejected in a sense of time frame then they should know this complaint and as well the XXXX  complaint and all correspondence I had with them will be used in court when I give my attorney they green light to proceed further with litigation which not only will Albert have to give back my funds but they will be paying me back court fees, attorney fees and as well any damages that me occur even if that is on a financial level.
Product: Debt collection

Capio Partners # XXXX {$240.00}. 
These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach I would like for these items to be removed. No Actions was done because I didn't know how to locate these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX OF XXXX XXXX Balance : {$0.00} XXXX/DEPT OF ED XXXX Balance : {$0.00} XXXX/DEPT OF ED XXXX Balance : {$0.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

To Whom It May Concern, I am writing regarding the account reported under my credit file with your agency. Please note that I am not disputing the debt at this time. However, I kindly request the following specific information for my records and clarity regarding this matter : 1. The Date of First Delinquency on the account.

2. The Date of Last Payment made on the account.

3. The Date of Charge-Off for this account. 

I appreciate your timely response to this request and kindly ask that you provide this information in writing at your earliest convenience. 

Thank you for your attention to this matter. Should you have any questions, please do not hesitate to contact me at the information provided above. 

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

This collection violates the law Under the FDCPA law 15 USC1692 - debt collectors can not state that such consumer owes debt Also violates 15 USC 1692 ( E ) 11 by giving false, deceptive misleading representation or means in connection with collecting any debt. The report states I " owed '' a positive balance. So after assuming a debt they also sent me a wrong statement you can not pay off a positive balance and it was never disclosed to me it was a attempt to collect a debt. 
also violates 15 USC1692 ( e ) 11 Name -XXXX XXXX amount : {$1500.00} date : XX/XX/XXXX 2.XXXX  Amount : {$600.00} date :XX/XX/XXXX 3.XXXX XXXX XXXX amount : {$220.00} date : XX/XX/XXXX 4.XXXX XXXX XXXX amount : {$200.00} date : XX/XX/XXXX 5.XXXX XXXX amount :XX/XX/XXXX& {$100.00} date :XX/XX/XXXX & XX/XX/XXXX6.Midland credit every account
Product: Credit reporting, credit repair services, or other personal consumer reports

It has came to my attention that some unauthorized inquires were placed on my credit report, I have take proper steps towards this and I am reporting directly now because In accordance with the FCRA section 611, it is a total violation of my consumer right.kindly remove the following inquiries. 

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, credit repair services, or other personal consumer reports

XXXX can you confirm yes or no XX/XX/2020 did XXXX  In fact remove both your accounts from their/ my credit file?? You are one bank reporting To 3 or 4 reporting agencies? What you report should be the exact same reporting so how are you refusing to delete the two tradelines from Experian??? 

XXXX  XX/XX/2020 can you confirm simple yes or no did XXXX  in fact remove your tradelines from their / my credit file?? Again you are one bank reporting to 3 or 4 bureaus?? What you report should be the exactly same reporting so how are you refusing to delete the two tradelines from Experian I tell you you and Experian are shady and you both going to get XXXX in court if you dont stop doing illegal XXXX. I give you both 24hrs to remove the XXXX illegal XXXX ask your friends over at XXXX  did they get XXXX up and I will do the same XXXX to you if the XXXX XXXX  cards are not remove today XXXX  XXXX  send proof that the two tradelinea were removed on those date. XXXX  XXXX you? 
Would you guys do this to your momma but again you both of two XXXX  XXXX  XXXX  XXXX  XXXX Seriously
Product: Debt collection

I never signed a contract with this company or credit agency. I have fought this credit allegation before through another credit agency and it was deleted from my credit report now being represented by sunrise credit service illegally when I never entered into an agreement regarding false information represented on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, Experian, refuses to verify to banks that I exist. Therefore I am unable to access my excellent credit history which should show records from 1988.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has allowed XXXX XXXX to reinsert a debt I do not owe on my credit report twice. XXXX XXXX has not presented a signed contract or affidavit from XXXX substantiating their erroneous collection. I have previously contacted XXXX regarding the original account that was paid, closed, and equipment returned. I closed my account not owing anything to XXXX. I never received the reimbursement customers were to receive even though I filled out the necessary. I never received notifications from Equifax or XXXX before reinserting this info for the third time to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized hard inquiry made on my credit by Bank of America. I called Bank of America customer service XXXX. Starting at XXXXXXXX XXXX  XXXX, I spoke to a general customer service representative about the above. The general customer service rep. told me he would transfer me to the fraud department but actually transferred me to the mortgage department - who I also informed of the above. I have not been able to find out any information from Bank of America on why a hard inquiry was done on my credit without any prior authorization or notification. I do not have and have not requested any services from Bank of America. Any additional help will be appreciated.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash APP ( Block , Inc . ) Due to inadequate customer service and unfair practices, which violate The Consumer Financial Protection Act ( CFPA ). Specifically. Cash APP failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under The Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

My payments are always made on time, of that I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. XXXX XXXX states that any billing errors should be corrected, or they will be required to pay me {$1000.00} for each account reporting inaccurately.
Product: Checking or savings account

Navy federal credit union, charge my XXXX of dollars in overdraft fees and interest fees and I didnt have the money. Im requesting a refund.
Product: Student loan

On XX/XX/2017, I 've paid in full XXXX education loans. Details are below : 1. XXXX Amount of payment {$22000.00} 2. XXXX Amount of payment {$20000.00} Customer service representative, who provide me with a payoff amount, told me that both loans will be marked " Paid in full '' and I 'll receive electronic " PAID IN FULL NOTIFICATION '' once my payments clear. 
As of today, XX/XX/2017, loan ending XXXX marked " Paid in full '' and I did receive " Paid in Full Notification ''. However, loan ending XXXX still in a payment mode with a negative ( $ -XXXX ) balance. I 've called SallieMae several times trying to solve this problem. Per customer service explanation, the negative balance preventing the system from closing loan and generating " Paid in Full Notification '' and the negative balance was due to incorrect Paid off amount given to me. I spoke to SallieMae on XX/XX/XXXX and they promise to me fix this technical issue within 24 hours. Unfortunately, the issue still there and I 'm attaching supporting evidence for you to review. 
Thank you in advance. 
Regards, XXXX XXXX
Product: Debt collection

I have disputed this account with XXXX for more than a year. The account was deleted then placed back on my credit file. My identity was used fraudulently as I stated in the police report sent to XXXX a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Service is reporting an account on my credit reports. I do not have and have not ever had any form of communication with this company. I did not pay them. They are reporting inaccurate information on my report that is damaging my credit profile. If I am denied credit, I will be forced to seek legal action. The account was not correctly verified per the FCRA. This account must be removed from my credit profile immediately. Their listing makes it seem like I had a collection account that I paid which is misleading and incorrect.
Product: Credit card or prepaid card

I pay my XXXX XXXX on my XXXX XXXX XXXX bill pay. 
I paid it on XX/XX/XXXX. They didnt record it until XX/XX/XXXX. They are saying it takes the mail that long to get to them. They are charging me finance charges and late fees. This happened in XXXX and XXXX too. 
If you look at my history I am a good consumer. I pay my bill by the XXXX. Its not my fault that they say they arent getting it in time. I think they dont pick up their mail on a timely basis or some other nefarious reason. 
I called them on XX/XX/XXXX. The agent told me I owed {$190.00} which I paid over the phone. Now, I see my statement recorded they received {$96.00} on XX/XX/XXXX so the agent didnt see it was paid FIVE days after!! Which is why they have to refund me. 
So I have to pay over {$70.00} in late fees and finance fees. 
I have an excellent credit rating. You can see some months where I paid when I didnt have to because they dont show it as paid then they have to send it back to me.
Product: Mortgage

Two plus years ago my mortgage company took out an insurance policy on my home when I already had one, then in short subsequently changed my payment amount monthly during a 2 year stint to try and correct this issue. Hence every time I tried to pay my mortgage it was never the correct amount and they would mark me as late. It took me two years to get someone to finally look into this issue. once done, they agreed with my but still refused to correct the damage they had done to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two accounts off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These two accounts do not belong to me.