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

Recently I was shocked to see this account reporting on my credit by KLS Financial Services. I disputed with XXXX, XXXX  and XXXX  in which they verified the account as accurate. 

I requested verification from KLS Financial and what they sent me was unverifiable : My original contract EXPIRED by 29 months My signature and date are on the agreement along with the terms of 12 months, dated XX/XX/XXXX A handwritten billing statement dated XX/XX/XXXX in the upper right corner of the original, expired contract. Expired as of XX/XX/XXXX The calculations of the billing statement do not calculate to the difference of the expired date to the date XX/XX/XXXX being reported in the billing statement Unaware of who wrote the updated billing statement No Last Date of Payment to determine calculations Date of Original Delinquency is reported as the EXACT date I signed the contract and began services, XX/XX/XXXX. 

I provided the proof to XXXX, XXXX  and XXXX  and again, they verified the account as accurate and have continued to report this account showing the Date of Last Activity as of : XXXX  : XX/XX/XXXX XXXX   : XX/XX/XXXX XXXX  : XX/XX/XXXX Making this account appear newer by 3 and 4 years while there is no Date of Last Payment reported anywhere. 

My understanding is the information the bureaus and debtors are allowed to report is required to be 100 % accurate, complete and verifiable ; which this is not. And the most frustrating part of this is I completed my obligation to the agreement and beyond.
Product: Credit reporting, credit repair services, or other personal consumer reports

The number of times overdue that is actually cited on my credit report does seem inaccurate and or confusing.
Product: Credit card or prepaid card

XXXX XX/XX/2022 I was approved for the Paypal Cashback XXXX  credit card with Synchrony bank, the 2 % reward card. The card was then linked to someone elses paypal account who then made fraudulent charges. I had them cancel the card before the physical card had shown up in the mail. After issuing a new card and receiving it in late XXXX, Paypal has not linked this card to my Paypal account. I have no online portal to access this card or its statements. I also can not get any rewards from this card as they are all paid directly into the paypal account with no way around it. There is no alternative offerd by Synchrony. I have attempted dozens of times calling them over XXXX, and XXXX, until now. They have submitted 3 linking requests, none of which have worked. I call paypal, spend 2 hours on the phone as they transfer me and re route me or hang up on me, and end up being bounced back and forth between Paypal and Synchrony bank. Paypal blames Synchrony, Synchrony blames Paypal, and not a single person has stepped in to help. I have no way to get any further with either of them. XXXX and this card still is not linked to my account and there is no sign of progress or help from anyone to get it done. 

This is already a complaint I have filed once. Paypal never fixed the issue. they blamed synchrony. and synchrony still says they can do nothing. Someone needs to fix this
Product: Credit reporting or other personal consumer reports

Around XX/XX/year> XXXX XXXX XXXX ran my credit with NOWCOM CORPORATION and received my credit profile and score from XXXX. I did not authorize this. XXXXXXXX XXXX XXXX proceeded to share my credit profile and income documents and submitted applications on my behalf for auto financing with at least 8 other companies without my permission. I never test-drove the vehicle that appeared on the applications. I was already pre-approved with Westlake Financial and only intended to purchase a vehicle with Westlake as the finance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became fully XXXX in 2018. None of this was by choice ; unfortunately I became very ill. After recovering from the first event, I notified Navient of the situation. I applied for XXXX XXXX XXXX XXXX XXXX. For some reason unknown to me, the application for XXXX never went thru. Navient continued to report all kinds of different late payments on my credit reports. Not only did they report late payments, but none of it makes sense at all on how its reported. Some of the accounts were being reported never late and some late all the time. Some of the accounts went from not late to 120 days late. It does not make sense. All of this is 100 % incorrect and needs to be corrected. 

I have sent information to all 3 credit bureaus showing complete discharge of all student loans due to XXXX XXXX XXXX XXXX. When the credit bureaus contact Navient, someone within the company is reporting that my information given is not correct and the credit bureaus state that the debt is still owed. I have submitted the information received directly from Navient and from the Department of Education!
Product: Checking or savings account

I made a complaint regarding Truist constantly accessing fees to my account previously. My personal account was closed. The fraud department debited my account {$300.00} that caused more more overdrafts. I received no follow up after my first complaint to The Consumer Financial Protection. On XX/XX/XXXX I had a deposit unknowingly go into the personal account that was closed. I called on Tuesday XXXX 2021 to inquire about the deposit. I was informed my a phone representative that the deposit wasnt sent back but taken by the bank to be applied to a debt that I dont even owe. The bank charged me fees do to merchant error. The bank should not have taken my deposit it should have been returned to the merchant.
Product: Checking or savings account

XXXX of 2022, my account was frozen over a fraudulent deposit that wasnt fraudulent with Wells Fargo. I havent had anyone reach out to me about the settlement nor have I been able to reach any one about the settlement. Please advise me on how to proceed. I was informed to file a claim with CFBP if I havent heard anything.
Product: Credit reporting or other personal consumer reports

Experian has my account so XX/XX/XXXXup, double bank accounts of the same account and much more
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX. XXXX-Balance $ XXXX-Date Opened : XXXX XXXX, 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Corelogic, I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were expected they just waited. CORELOGIC, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP.
Product: Debt collection

Credit report shows XXXX collection agencies account, Midland Credit Management and XXXX XXXX. These are past statue of limitation and shouldn't be on the report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX alance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Filed/Reported XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Owed XXXX {$10000.00} XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXXL XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX alance Owed : {$0.00} XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXXXXXX Date Filed/Reported XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my consumer report before I apply for a new house and noticed inaccurate and fraudulent account on my consumer report. This is ruining my life, I am unable to apply for certain things due to the inaccurate information on my account. My identity was stolen, and it is pretty scary knowing that someone has misused my information without my knowledge or authorization. This is making my life XXXX.
Product: Payday loan, title loan, or personal loan

After taking out an installment loan through Tower Loan company I started a new job and have been struggling with payments waiting on my first paycheck. The creditor has began harassing myself as well as family members. The creditor has also discussed personal account information with references on the loan without my permission.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Accounts TXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX wards XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Bank account or service

New scheme by Well Fargo - If you move to another bank, and you want to set up an automatic payment on your Wells Fargo credit card account better check and double check that Well has recorded your new routing number and account number from which the payment is to be made. Make URE that WELLS FARGO RECORDS IT. I 've been fighting with them since XXXX last year about ''late fees '' because my ''payment was not received ''. I sent in XXXX account notifications next, same deal!! I have had a very good credit rating until this thing with Wells Fargo, so when I 'm told by my realtor that it 's dropped down to XXXX, you better believe I 'm irate. I am getting all my statements from both banks and sending them to XXXX and XXXX who have been investigating what Wells Fargo has been doing to cheat more money out of their customers. You who will be reading this on XXXX, if this trick has been used on you, I 'll send the link to contact these investigators with your stories. -
Product: Credit card or prepaid card

I submitted an application for a Discover credit card through their website on XX/XX/XXXX. As part of the process, they noted that they need additional information to approve the card and to confirm my identity, all of which is understandable. 

However, the information they wanted was a hard copy of my Social Security card, which was issued to me ( I believe ) in XXXX or so. There's no way that this helps them in their process, and I can't understand how many applicants would actually have a decades-old card that proves nothing. 

To add to the problem, they requested this information after they ran the credit check on my account - and will now send me a letter saying my application was rejected. 

( And I've been a customer of their banking side for a number of years. ) I've applied for a lot of credit ( including mortgages ) over my career, and I've never been asked for this information previously. 

Discover listened to my concerns and complaint but could/would not offer any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX XXXXd Transunion are reporting incorrectly a collection/XXXX in the amount of {$3900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX has been fraudulently taking money from students and XXXX has recently be charged for this criminal activity. Per the terms of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX released on XX/XX/2019, XXXX is going to have to forgive almost {>= $1,000,000} in outstanding student loans for students of XXXX XXXXXXXX XXXX. ( I have attached a copy of the article posted for reference. ) I have tried to contact XXXX however, the XXXX is closed and there is no one to answer the telephones and/or answer any questions. This student loan should not be reporting on my credit report. I did not know there were any collections until I obtained a most recent copy of my credit report. I never received any communication from XXXX regarding this account. I have also contacted the bureaus to remove this line item however, I have not been successful. This false reporting of a collection/XXXX  is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears to be a few inquiries on my credit report that i am unaware of, it appears that someone utilized my social to potentially get credit cards, and or auto loans under my name. 

XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Please investigate this as it violates my consumer rights as these inquiries are obsolete and in accurate.
Product: Credit reporting or other personal consumer reports

The account & inquires that are on my report are being overlooked. Im requesting that my report is being processed and reviewed. The information that are on my report was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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

For approximately 2 years I have tried to dispute inaccurate information on my personal credit report with the three bureaus ( TransUnion, XXXX, and XXXX ) and XXXX with no success! Each time I attempt to get accurate information VERIFIED and/or changed or removed the bureaus send a letter back indicating " verified with the bureaus ''. Each time I contact XXXX directly to VERIFY accurate information is correct and being reported to the bureaus correctly XXXX will send copies of old account statements. 

When asking the three bureaus ( TransUnion, XXXX, and XXXX ) to VALIDATE that the items being reported by XXXX are correct since there are SO MANY errors across the bureaus I get a letter back stating " our information that is being reported is correct ''. When asking XXXX to VALIDATE information on my credit report because of the vast DIFFERENCES being reported across the bureaus XXXX does not respond or sends old statements. I have attached just the past correspondence to the three bureaus ( TransUnion, XXXX, and XXXX ) and XXXX via certified letter for your review. I will also send you the new letters indicating the same. Lastly, I will send you just one of the many denial letters that I have been getting over the past 2 years from my creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX XXXX XXXX in XXXX Utah, I got a car loan through XXXX XXXX XXXX XXXX XXXX, now called just XXXX XXXX. 9 before they used to say there were not part of XXXX XXXX and that they were completely separate from them, not true of course ) I have paid my car payment all 60 months. A couple of times 2 weeks late, another time 29 days late ( XX/XX/XXXX, when my mother passed away and I was in XXXX for 6 weeks ) I paid the car off in XXXX and 30 days later received the car title through regular mail. XXXX XXXX stated during the whole life of the loan that this car loan has been a " charge off " and it's entirety. That is not true. A charge off means when someone that owes money does not pay or stops paying. That had never happened. If that was the case, how come they sent me the title? How come I never had this car repossessed? How come I still have the same car? I have called them a minimum of 45 times, I have explained this to about 40 different people over the phone. Only to be put on hold and transferred and no one fixes anything. They say they will call me back with a resolution and no one does. I have wasted an incredible amount of time on this issue. I have disputed this with all credit bureaus several times. Even talked to Supervisors, " escalation teams '' to no avail. Credit Bureaus are siding with XXXX XXXX even though everyone in this country knows XXXX XXXX is an extremely fraudulent bank. The fact that they are reporting my car as a charge off when I have paid every month it's not only wrong, it is also a lie, it is illegal, fraudulent and corrupted it has dropped my credit score by at least 40 points. It has prevented me from renting another place to move ( because of low credit score ), it has also prevented me from getting a newer vehicle and it also due to an excessive amount of stress and anxiety trigerred an XXXX  XXXX which I will have to deal with for the rest of my life. It is called XXXX XXXX XXXXXXXX. I will have to be on medicine every day for the rest of my life. This XXXX is not curable, it's just maneagable. I have been dealing with this problem for 3 years, I have been on the phone with everyone involved an incredible amount of time to no availability. Please look into it as soon as possible.
Product: Credit card

I recently noticed fraudulent inquiries on my credit report. There is someone trying to open up credit cards with my information.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 15USC1681IA- when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. I have account with these companies. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Please remove these false accounts from my accounts immediately this is a violation of the law and proof has not been given to me that I requested showing I did make these inquires.
Product: Debt collection

I was a victim of identity theft. XXXX XXXX XXXX are trying to collect a debt that I do not owe. XXXX received my information from Exeter Finance Corp.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$310.00} XXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF ED/XXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF ED/XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/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