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

I CONTACTED XXXX XXXX XXXX NUMEROUS TIMES VIA MAIL, EMAIL AND BY PHONE ; I ALSO CONTACTED HER VIA SOCIAL MEDIA. XX/XX/2021 XXXX  MADE A MISTAKE AND APPLIED TWO PAYMENTS ON ONE ACCOUNT MAKING THE OTHER ACCOUNT DELINQUENT BY A FEW WEEKS. XXXX IMMEDIATELY CHARGED OFF THE ACCOUNT AND REPORTED TO THE CREDIT BUREAUS. XXXX  REALIZED THE MISTAKE AND CORRECTED THE PAYMENT PORTION BUT THEY HAVE REFUSED TO CORRECT THE CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : My credit score is a XXXX and I purchase a pair of socks from XXXX XXXX to help try to boost my score and get some activity going on the card. 

XX/XX/XXXX : XXXX XXXX XXXX sent me a statement in the mail that I never received indicating that I had charges and a balance on my account. 

XX/XX/XXXX : XXXX XXXX XXXX supposedly sends out another mailing statement indicating that I have an outstanding balance. My credit score drops 100 points. However, they include a number of hidden fees and charges. 

XX/XX/XXXX : Contacted XXXX XXXX to see if they could remove the past due delinquencies from my history and they tell me that they can not.
Product: Checking or savings account

There was a sender who sent money via cashapp and the funds were returned XXXX XXXX later from my cashapp balance. This was XXXX XXXX here it is XX/XX/year> and funds are taken out of my bank account because the sender filed a fraudulent claim. Cashapp sees the transactions and still went into my bank account for a fraudulent claim. I have sent proof and they are doing nothing. I am also filing a police report.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite when having sufficient funds when transactions were authorized, I was charged due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I applied for a regular consumer credit card with Citibank online a little over a week ago. Yesterday, I got a letter stating that there were still some items of verification that needed to be established before they could come to a decision. The letter provided me with the phone number I could call to enable them to do just that. Today, I called that number and was put on hold several times. Each time they had a question about me, my personal identity information, such as address, phone number, and such, I was easily able to provide it. But, none of my answers seemed to be enough, so I asked to talk to a supervisor. Then, I was cut off, and I called back. Again, I was unable to resolve the situation talking to the agent and I asked again to talk to their supervisor. It seems that the whole problem centers around the fact that I moved addresses a couple of months ago and had to get a new primary phone number. Although I explained all that and told them what my old number was, the supervisor at Citibank, who identified herself as XXXX in South Dakota, stated that she was unable to approve my application, but would not be specific as to why. I am who I am and was able and willing to answer any and all questions they had, and my credit rating is in the 800s, yet I was declined! And, XXXX refused to provide me with any specific reasons as to why.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Credit Report Information Dear Sir/Madam , I am writing to formally dispute the inaccuracies in my credit report regarding my account with XXXX XXXX  XXXX as reported by XXXX, Experian, and XXXX. The discrepancies in my credit report are causing significant concern, and I request your immediate assistance in correcting these errors. 

The specific details of the account in question are as follows : Account Number : XXXX : XXXX Experian : XXXX XXXX : XXXX The discrepancies are as follows : Date of Last Activity : XXXX : XX/XX/2024 Experian : XX/XX/2024 XXXX : XX/XX/2024 Payment Status : XXXX : Paid or paying as agreed Experian : Current, was past due 30 days XXXX : Pays account as agreed Account Type : XXXX : Revolving account Experian : Charge Card XXXX : Revolving Dispute Status : XXXX : Account not disputed Experian : Dispute resolved consumer disagrees XXXX : Account not disputed These inconsistencies are misleading and adversely affect my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ), under Code 1681a, Rules of Construction, credit reporting agencies are required to ensure the accuracy and integrity of information reported. I request a thorough investigation and correction of these errors to ensure compliance with these regulations. Please update my credit report to reflect accurate and consistent information across all three credit reporting agencies. 

Enclosed, you will find copies of my credit reports from XXXX, Experian, and XXXX highlighting the discrepancies. I kindly request that you review these documents and provide a resolution at the earliest possible. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and notify me of the actions taken to rectify these discrepancies. Should you require any further information, feel free to contact me. 

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

I have contacted the company numerous times in writing. They refuse to validate the debt. I disputed the validity of the debt. I assume it is an error as only 1 digit is different than my actual and current account in good standing. They continue to Fraudulently report the invalid debt on my credit report. I am looking into pursuing litigation.
Product: Credit reporting or other personal consumer reports

I filed a dispute on { XXXX XXXX XXXX XXXX and Exeter Financ LLC } XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit card or prepaid card

I did not open this account. The address that was used was XXXX XXXX XXXX which was my baby mother 's adress at the time. She or family member mostlikely opened account. I'm very upset I've never I'm my life had a credit card would like this removed from my credit.
Product: Payday loan

I took out a payday loan and the lender 's collection agency XXXX garnished a portion of my wages after I had already revoked wage assignment rights from the lender. I submitted the revocation letter on XXXX. 

I spoke to the original lender 's ( Green Circle ) representative ( XXXX ) XXXX - XXXX XXXX XXXX XXXX and was informed that the debt was written off as of XXXX and that they had indeed received my letter of revocation. 

XXXX XXXX is the collection agency. All i have is a phone number XXXX XXXX XXXX XXXX that no one answers. 

These were illegal and unethical practices by the collection agency and I expect a refund of the funds that were taken by them.
Product: Credit card or prepaid card

I have been a XXXX 's Credit Card holder for almost two years when my account was closed by XXXX 's Citibank without them contacting me. A few months ago I was going over my credit report and noticed there was an account opened in my name from CBNA/SEARS I went and file a fraudulent claim on all three credit bureaus and CFBP. That Sears account was closed. A month or so later I received a letter saying my XXXX  account was closed. It was closed on the exact same day as the fraudulent Sears account. Citibank Retail Services closed my XXXX account because I disputed a fraudulent account from Sears, that had absolutely nothing to do with my XXXX. I hav called and called and called and every last representative tells me there is no reason or they can not tell me why my account was closed. It is a company rule not to disclose that information over the phone. My XXXX 's account is not fraudulent I did not report it as such and it should have never been closed. This is wrong on many levels. I have been dealing with alot of ID fraud and it is overwhelming as is I shouldn't have to deal with losing my accounts that I have not disputed. Later I found out that Citibank Retail Services also services XXXX 's so they just closed everything because of my dispute. There was also a checking account opened in my name which I have attached the information as well whomever opened this account submitted payments to several accounts of mine and all the payments were returned. Payments were sent to The fraudulent Sears Account and my XXXX 's along with several others. All of this was happening at the same time
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 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: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2017 I called into Equifax to dispute a collection that I have disputed multiple times because the account has not been verified as mines. I spoke to representative XXXX and let her know I tried to file a dispute online but its saying the information I provided was inaccurate. She then stated to me because I have dispute the account multiple times there is nothing she can do. I told her I have proof that XXXX and XXXX has deleted the collection account and she stated it didnt matter. I let her know I just wanted them to follow suit and at least look into my proof and ultimately get the collection account deleted. She stated she couldnt do. Equifax customer service is horrible and I would that because they are going through a lawsuit that they could at least look into what Im asking but I dont think they care. If Equifax does not follow suit and remove the collection account I will go to the next step of filing a complaint with the BBB or ultimately file a lawsuit.
Product: Bank account or service

Bank of America Missouri reported " suspected Fraud '' to my XXXX profile due to XXXX payroll checks having been returned NSF. I disputed the report with XXXX and they are now reporting the information has been verified using information obtained from Bank of America which is not justified and defamatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score on XXXX XXXX and saw that my score dropped by 18 points between XXXX and XXXX. Im not sure why as my balances were all paid in a timely manner. The company was Capital One.
Product: Checking or savings account

dear sirs. Here 's the problem I 'm on fixed income and retired and have serious health problems  XXXX   XXXX   XXXX   XXXX   XXXX  not too long ago. I had a checking account and savings account they were charging me {$10.00} for taking money from savings to checking per transacti on at one m onth  XXXX  in fees and another month  XXXX  in fees for  XXXX  accounts in the same bank. I have modest income and about und er 2.000 in saving s in the bank. Because my serious health conditions I can not always monitor how much I have in checking savings too avoid overdraft fees. Because of my health problems I have a lot of  XXXX  and always worry about paying my bills. I ca n't pay all my medical expenses. I called customer service at Bank of America to see if they would refund my overdraft fees from savings to checking because my poor health situation. They said NO they do not care about your situation or that you do n't have a lot of money. They are the most heartless people that I have dealt with. All they care about is making as much money off the poor as they can. They are just the worst in humanity its always the bottom line  XXXX  forgives they do n't. I can give you copies of my paperwork from this bank. I do n't like complaining but its always the little guy vs the big banks. I had to close my account and go too another bank too save myself from financial disaster. Please help me. Sincerely  XXXX   XXXX
Product: Credit card or prepaid card

My phone and wallet were stolen. I found out today someone opened a apple card and used my identity. They refused to close the account, refused to block the account and told me to file with FTC Indentity theft. The also refused to give me the account number ir how much was used on this stolen account. I have never had an apple card never will have an apple card and find this customer service to be the most lacking.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$160.00} XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$400.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXXXXXX 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 XXXXS 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the first time applying for a mortgage with XXXX XXXX back in XXXX of XXXX a credit run was authorized by me to check my credit report. XXXX XXXX was the broker at the time that was processing the loan from XXXX XXXX  I was told by running the first inquiry will be affected but not afterwards, since it was applying for a home loan ( same company ). And, any inquiries there afterwards from XXXX XXXX  would not affect my credit report, ( it should only be soft pulls until loan approved and to close on the house ). How many times should a loan company pull your credit report as a hard inquiriy while in the midst of purchasing a home? I have over 8 hard inquiries on all 3 Credit Bureau from XXXX XXXX. I can understand 2 hard inquiries if was needed, which could be from first applying for the loan and when closing. This broker felt the need to continue to run a credit inquiry on me ( same company ). XXXX XXXX states because of previous dispute I had on my credit report, the disputes needed to be removed. But does getting your disputes removed is required by hard inquiries or to run hard inquiries? This has really affected me greatly with getting approved for credit. I have been denied for credit and credit line increased ( I wasn't before purchasinga home ) because of too many hard inquiries. And, this was right after I purchased a home in XXXX XXXX which I started having difficulty with thr broker XXXX XXXX then ( excuses ). Also, my loan has been already been sold to another lender XXXX before my first house payment in XX/XX/2022. I asked for help from the broker himself, XXXX XXXX about the hard inquiries, but XXXX XXXX stated this is what needed to be done by him/company due to the disputes I had on my credit report ( to get removed ). I need this to be resolved. Also, I have called and reached out to all 3 of the Credit Bureau asking for assistance with the hard inquiries and the reporting agencies states they are not able to remove thr hard inquiries and they will stay on my credit report for 2 years, which is harming me, my livelihood, especially after purchasing a newly built home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX  XXXX ) XXXXInaccurate XXXX XXXX ( Original Creditor : XXXX  XXXX   XXXX XXXX  XXXX ) XXXXInaccurate XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXXInaccurate XXXX  ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX  XXXX   XXXX | XXXXN/AInaccurate XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXXInaccurate XXXX XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX  XXXX XXXX   | XX/XX/XXXXN/AInaccurate XXXX  XXXX XXXX   | XX/XX/XXXXN/AInaccurate XXXX  XXXX XXXX | XXXXN/AInaccurate XXXX   | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX   XXXX XXXX XXXX  | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX XXXX  | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX-XXXX  | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate XXXX XXXX | XX/XX/XXXXN/AInaccurate Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX directly, as well as, XXXX, Equifax, and XXXX since XX/XX/2019 disputing the error that is being reported in the amount of {$XXXX}. This is heavily affecting my quality of life. Neither the creditor or the credit bureaus have provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Credit reporting or other personal consumer reports

I used Affirm multiple times and have never had an issue but this XXXX purchase. I purchased a product from XXXX using affirm and I didnt receive the product. The product was said to delivered but was not. XXXX did not ring my bell or alert me to any delivery that day. Instead I am told it was left downstairs in front of my building where it can be accessed by anyone without a key. I purchased this on XX/XX/2023. I have been going back and forth with XXXX and affirm explaining to them I have never received the package. The company did an investigation and took XXXX word that they delivered. I have had numerous deliveries with no issues and have used affirm and XXXX a lot. The XXXX time I have an issue they are unwilling to support in this matter. I shouldnt be responsible for a package that wasnt received.
Product: Credit reporting or other personal consumer reports

Requesting TransUnion to delete or block XXXX of XXXX XXXX fraudulent accounts. As I have the right to request lawful entry listed in the Fair Credit Reporting Act. Thank you.
Product: Credit reporting or other personal consumer reports

I checked my credit report as I normally do and noticed that National Credit System was showing as a collection account. I have no idea who National Credit System is as I was never notified of any alleged debt that they are reporting. So I sent a certified letter requesting for validation on XX/XX/2024. I waited 30 days, never received a response for the validation. I sent a second letter certified on XX/XX/2024 advising that I never received a response and I am prepared to take legal action. As of today XX/XX/2024, I have yet to receive a response.