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

Requested XXXX, Experian and XXXX multiple times to remove XXXX accounts listed on my credit file. 
The CRA 's consistently reply that the investigation for accounts is accurate and will remain. 

The accounts in question form Navient show different dates of 1st delinquency on accounts. Now the accounts show that they are newly opened accounts. How can this be? ; they are old charged of accounts, and are now more than six years old. In Massachusetts, accounts older than 6 years of age should be removed from the consumers file. 
Please refer to attached XXXX credit reports. One can clearly see the manipulation of accounts by the furnisher of data ( XXXX  )
Product: Debt collection

After submitting an complaint with  North American Credit Service-Mail  on  XXXX / XXXX / 17  regarding collections being placed on my credit with no proof of  VALIDATION  they responded in  XXXX / XXXX / 17  with a letter agreeing to removed the for  XXXX  but not the  one  for  XXXX . I contacted them via phone regarding this issue twice. They told me that because  XXXX   XXXX  is my daughter and her paternal grandmother took her to the doctor in another state that they would not removed from my credit and they would send me the agreement her grandmother signed. Well when I had not received the paperwork I called the company back they tried to make me give them all of my personal information I then advised them they needed to read the information that they have in their systems and I will let them know if its correct or not. THEY HAD ABSOLUTELY NOTHING correct Address phone etc. I then told them that since they did not have the correct information they could not Verify nor Validate the debt before they submitted it to the credit bureau. The gentleman then gets upset and tells me let HIM TALK AND DO NOT TALK OVER HIM because I refused to provide him with anything other than my name because his company should already have it if they Validated these collections. I then asked to be transferred to someone that will have this removed d ue to 1 ) Her father   XXXX   XXXX   XXXX  and his mother  XXXX   XXXX  signed those for ms 2 ) I do not have a contract with them nor the hospital 3 ) T hey were NEVER able to validate and verify the debt. and that it is against the law for them to place that collection on my credit. The guy told me to hold and hung up the phone.
Product: Mortgage

My VA mortgage was sold from another vendor to freedom in or about XXXX of XXXX. Since, my mortgage has not shown up on my credit report from any of the 3 agencies. When I asked they responded that according to RESPA they would not report for 60 days. OK, well that's been far past the 60 days and still is not showing at all on my credit report. It was placed into forbearance back in XXXX but according to CARES ACT the loan is still suppose to report as a neutral status in forbearance status. This is not happening and Freedom is refusing to fix. I have called on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and asked for assistance. I am told each time they aren't sure the reason but assure me a date is scheduled to show. every time the date passes and another one is given. I am trying to refinance, which i explain to them, and this is detrimental to that process. I have paid the mortgage up to date and have also requested it be removed from the forbearance status, which has also not been done. I've done everything required and asked, but they will not help me. As a veteran this is every troubling as this refinance is critical to my financial health. I'm not sure what else to do?
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the XXXX credit reporting agencies, XXXX, XXXX, and TransUnion, for willful non-compliance in not removing old outdated information from my credit report. This non-compliance is negatively impacting my creditworthiness and causing significant harm to my financial standing. 

This marks the seventh occasion where I have contacted the credit reporting agencies to voice my discontent with the inaccurate personal details they have published. Despite my repeated attempts to rectify the situation, the credit reporting agencies have failed to take appropriate action to remove the outdated information from my credit report. 

I am particularly concerned about the extensive coverage of topics pertaining to my community, which has left me feeling unsettled. The broad scope of information published by the credit reporting agencies has created misrepresentations and misconceptions about my creditworthiness. I believe it is crucial to clarify the genuine advantages and factual changes that I am familiar with, in order to rectify these inaccuracies. 

To ensure the accuracy of my personal information, I would like to provide you with the correct details : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Employer : XXXX Bank Additionally XXXX XXXX have identified several incorrect addresses and employers that need to be deleted from my credit report : Incorrect Addresses : 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 Incorrect Employers : XXXX XXXX XXXX I XXXX request that you take immediate action to rectify the errors mentioned above. These inaccuracies are negatively impacting my creditworthiness and could have severe consequences if a prospective employer or financial institution requests a copy of my credit report. I have enclosed copies of my Driver 's License, Social Security XXXX, and a recent Utility Bill to validate my identity and ensure the provision of accurate information. 

I appreciate your attention to this matter and your assistance in resolving these issues. I trust that the Consumer Financial Protection Bureau will take the necessary steps to hold the credit reporting agencies accountable for their willful non-compliance and ensure the accuracy of my credit report. 

Thank you for your prompt attention to this complaint.
Product: Credit card

We used autopay to pay off our statement balance with FIA Card Services, a XXXX XXXX XXXX card. However, the payment was returned ( never applied to the account and never debited from the checking account ), and we were charged a return payment fee. There was no late payment because we had already submitted the minimum payment due. We called on XXXX XXXX, 2016 to make the payment in full again and to get reimbursed for the return payment fee ( the fee was eventually reimbursed ). We submitted a payment over the phone on XXXX XXXX, 2016 to the credit card through FIA Card Services. The new payment was never applied to the account balance, but the transaction still shows on the checking account, which is also through XXXX Those funds are now missing, and the FIA Card Services website shows " You can not login to FIA Card Services. You do not have any open accounts. If you believe this is an error, please contact customer service at XXXX. '' We called the number and waited on hold for XXXX and half minutes and were unable to speak to a representative. The card account is now with XXXX XXXX XXXX, however they do not have a record of the account balance yet.
Product: Credit reporting or other personal consumer reports

So I got 14 hard inquires on my credit report transunion and I need help taking it off but need deleting letter so credit report told me to have u guys give me ftc report they they while remove all inquires for me 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

On XX/XX/XXXX, I received a credit report alert from XXXX that a public record is being reported on my Equifax report.Equifax removed the bankruptcy on my credit file in XXXX. Called the Equifax Consumer Affairs Directly @ ( XXXX ) XXXX and spoke with a woman by the name XXXX XXXX she was very pleasant, after explaining the incident I was told to fax all documents in supporting my claim. I explained to her that all that was on file to only be told to fax again. Called back because I misplaced the fax number and spoke with an XXXX I was told by XXXX that she could n't speak with me because I was being presented by an attorney and I explained to her that that was n't true. After going back and forth she said she could dispute the item and when I said ok she placed me on hold and then said she ca n't because she does n't have to because it 's within a " 10 day '' period. I explained that I was never notified that the bankruptcy was going to be placed on my credit prior to this being put back on my credit file Per the FCRA " If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. '' I was told that the investigation was just concluded in which it was 90 days later. XXXX could 've been new to her role because she did n't know what XXXX she was talking about she kept placing me on hold. Their customer service is horrible and that 's why they 're getting sued. Basically, My call was based on a previous complaint I filed with CFPB # XXXX against Equifax they were reporting another deleted account on my credit file and they should n't. After their investigation, they responded with a letter stating that they deleted this item. Today Equifax has put it back on my credit bureau without notifying me prior that it 'll be back on there. Here is the supporting documentation notice on the last document it states contact XXXX but the document before that one is from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 an Auto loan was opened under my name with XXXX XXXX XXXX without my knowledge. Identity theft. Balance Amout is {$9400.00}. Account # XXXX. I have submitted FTC report and Police report to Creditor and Experian already. I was informed to file CFP report.
Product: Credit card or prepaid card

I had XXXX  and was recently in the XXXX  unable to pay make my payment. I received two late fees in XXXX and XXXX I called to get them reversed because I am going through a hardship and the manager told me she would reverse two when I looked on my statement there was only one reversed I called them to ask them about the second fee and they refuse to reverse the fee.
Product: Credit reporting or other personal consumer reports

XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$180.00}, {$180.00}, {$180.00} ( XXXX, XXXX, XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed- {$2800.00}, {$2800.00}, {$2800.00} ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed- {$560.00}, {$560.00}, {$560.00} ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX Balance Owed {$4200.00}, ( XXXX ONLY ) XXXX- Account # XXXX, Date Opened XX/XX/XXXX, Balance Owed {$220.00}, XXXX XXXX ONLY XXXX XXXX Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Balance Owed {$130.00}, {$130.00}, {$130.00}, ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, ( XXXX and XXXX ) XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Balance Owed {$410.00}, {$410.00} XXXX {$410.00}, ( XXXX, XXXX, XXXX ) XXXX XXXX XXXX- Account # XXXX, XXXX, XXXX, Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balance Owed {$0.00}, {$0.00}, {$0.00}, ( XXXX, XXXX, XXXX ) I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Product: Credit card

In ~XXXX XXXX I submitted dispute XXXX for a transaction in the amount of {$180.00} that should have been {$65.00}, and disputing the remaining {$110.00}. This was for a gas station purchases for gas in XXXX. I only purchased gas, I did not authorize a charge for {$180.00}, and the car could not physically hold anywhere close to {$180.00} of gas at the price per liter that the station was charging. Subsequently I read reviews of the gas station showed that the practice of fraudulently overcharging was common. 

Note that my credit card number recently changed. I am providing the current card number in this complaint. If the original card number is required please contact me. 

I provided all of the documentation and proof available to me ( several times ). On XX/XX/XXXX, they denied because I had not provided proof that the correct amount should have been {$65.00}. I called back on XX/XX/XXXX and explained that it was not possible to know the exact correct amount because I was not given a receipt. Furthermore, I had not authorized a charge of {$180.00} and the entire amount should be considered fraudulent ( I had only provided the {$65.00} estimate to try to be fair ). The correct amount is {$0.00} because I had not authorized {$180.00} and {$180.00} is a physically impossible amount of gas to purchase in that car. I purchased XXXX of a tank which is XXXX gallons or XXXX liters and at XXXX pesos per liter XXXX pesos or {$51.00} USD. All my gas purchases in XXXX were for similar amounts of gas at similar prices and were for less than {$70.00}, except this one fraudulent station. Even a full tank could not physically be more than {$75.00}. I did not authorize the {$180.00}, and the entire amount should be considered fraudulent. They agreed and said they would reopen the case. 

I have been receiving statements from my credit card company showing the {$110.00} amount as in dispute, so my belief was that the amount was still in dispute. It turns out that the dispute processor used by the credit card company had not done what they said they would- they did not reopen the case. The amount in dispute of {$110.00} showing my statements appears to be misleading. This still shows on the most recent XXXX statement - 6 months after the disptue processor closed the case and neglected to reopen it. 

I have contacted both companies and they refuse to communicate with each other or handle the situation. A mistake was made but each blames the other and says the power to reopen lies with the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last six months XXXX XXXX owned credit reporting agency, TransUnion has refused to fix an erroneous entry on my credit report. 

Worse - they wont even permit me to submit proof of not owing this debt. 

For six months they have knowingly and intentionally added to this debt as well - every single month. 

So, not only is the information entirely fraudulent, the amount is perpetually climbing from one month to the next with no supporting evidence or explaination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company on XX/XX/2021 about the inaccuracies on my credit report. By XX/XX/2021 all of said inaccuracies were deleted. I am reporting this complaint because it took years for them to finally respond accordingly. Because of their negligence, my life has been harder than it needs to be. I have to work 12 hour shifts to save up money for a large down payment on a vehicle because most banks dont want to work with me.This company has furnished a BAD credit report on me without my consent/written directions and them recently deleting those things from my account is proof that they admitted to violating my rights
Product: Credit reporting or other personal consumer reports

TransUnion, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

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

I SENT A CERTIFIED LETTER TO XXXX XXXX XXXX XXXX WELL AS THE 3 MAJOR CREDIT REPORTING COMPANIES ( XXXX , EQUIFAX , XXXX ) ON XX/XX/2020 ASKING THEM TO PROVIDE ME WITH A COPY OF A SIGNED CONTRACT WITH MY SIGNATURE TO VALIDATE THE DEBT. THEY DID NOT AND IT'S BEEN OVER 30 DAY 'S AND I'M DEMANDING THIS ITEM BE DELETED!
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. All types of credit cards and loans were applied for in my name without my knowledge. I talked to the credit bureau companies, they told me I needed to file a police report. I can't believe someone would do this to me or that the credit bureaus are making me file a police report when they normally handle things like this. I want these accounts removed off my credit. I listed the accounts that needs to be removed since I did not apply for these accounts. Experian FRAUDULENT ACCOUNTS TO BE DELETED : XXXX. XXXX XXXX ( closed ) account # XXXXFraudulently opened on XX/XX/XXXX ( Identity Theft! ) XXXX. XXXX XXXX account # XXXX. Fraudulently opened on XX/XX/XXXX ( identity Theft! ) FRAUDULENT INQUIRIES TO BE DELETED : XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX. XXXX XXXX NA Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate information the following accounts date last active is incorrect I notified the company via postal mail on XX/XX/XXXX the company has responded that all information remains the same and I disagree there reporting in accurate information according to 15 U.S.C 1681 transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX XXXX
Product: Consumer Loan

Due to a business failure, I had to file bankruptcy recently. I have an auto loan with USAA Bank that I am trying to do the right thing with and pay the loan as agreed upon and also so that I can keep the car. Being able to check my balance and pay the payments due online is something that I feel that I should be able to do but USAA has informed me that, because I filed bankruptcy, I am no longer entitled to have accounts with USAA or to have online access to my accounts and that any time I want to check my balance and/or make a payment I have to call them for that information which, depending on call volume can be a huge inconvenience. I feel as though USAA is punishing me for filing bankruptcy even though I am attempting to make good on the loan that I have with them. I complained about this to them to no avail and the treatment I received during that process seems to indicate a culture issue at USAA regarding people that have filed bankruptcy. I also know of someone who had car insurance with them and they XXXX his premiums for the sole reason that he filed bankruptcy. 

I understand that banks are prohibited from attempting to collect on debts that are involved in a bankruptcy but, once the bankruptcy has been discharged and the customer is making payments as he/she should be, I do n't think that it 's right that they should make life difficult for that person by denying them online access as well as the opening of future accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( reporting to XXXX and TransUnion but was remove from XXXX dates of activity are incorrect and does not meet fcra Delete immediately Inquiries remove immediately I did not authorize those inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was for {$2500.00} balance is showing {$4200.00} because they included all the interest i would pay for the term of the loan. Furthermore, it makes it look as though i have more credit than i truly do. I contacted XXXX and they claimed this is how they report. I question if its even legal??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. the CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

XXXX XXXX for an extension for payment. It was approvedXXXX payment would be applied to the end of the loan. 
XXXX XXXX made payment for {$740.00} to cover XXXX and XXXX payments. 

As of todayIm being told that the {$740.00} went towards XXXX payment and MISCELLANEOUS FEES that I knew absolutely nothing about. Therefore, leaving my XXXX payment outstanding and now late. Ive talked to close to five representatives and supervisors regarding the issue. I was told that some of the reps gave me erroneous information in regards to my account and this is why Im confused and frustrated.