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

I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
These fraud items must be removed from my report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

INACCORDANCE 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 16.81 The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX has falsely reported to all credit bureaus that a HELOC that I had with them was foreclosed upon in XXXX. This loan was never foreclosed upon and I paid it off in full in XXXX of XXXX. I have the payoff confirmation letter from them. 

This has caused severe and irreparable financial and emotional damage. I can not even get a home loan because of this egregious error.
Product: Student loan

I my original student loan balance was {$16000.00}, all principal, NO INTEREST. I had paid all of my interest during the pandemic payment pause & paid off thousands of my loan balance. 

I am under the SAVE repayment plan and have been paying {$58.00} / month since the pause ended. No further interest is supposed to accrue under my loan under this plan since I am making my full monthly payment.

My balance has increased by {$82.00} since the loan payment pause ended, even though I have been making payments.

I have tried to call the company & the phone line goes silent after I enter my social security number to get help.

There is no email available on their website. The link is broken. 

I tried to chat with an online agent & the chat would not go through.

There has been NO WAY to contact them & this is ridiculous. How do they expect me to give them my money if they arent responsive at all?
Product: Checking or savings account

Here is the revised complaint : To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to express a pressing concern regarding a dispute with Netspend. On XX/XX/XXXX, I initiated a dispute with Netspend. As a result, I was provisionally credited {$740.00} while the dispute was being investigated. 

Unfortunately, the provisional credit of {$740.00} has not been returned to me. I urgently need this amount returned to me as soon as possible, as it is causing me significant financial hardship. 

The claim number for this dispute is # XXXX. I have tried to contact Netspend multiple times, but they have failed to provide a satisfactory resolution or timeline for returning my provisional credit. 

I kindly request that you assist me in resolving this matter with Netspend. I would greatly appreciate it if you could help facilitate the return of my provisional credit of {$740.00} as soon as possible. 

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

On XX/XX/XXXX, I contacted XXXX to make my XX/XX/XXXX payment, I initially attempted to make the payment by phone but I ended up speaking with a customer representative, I gave authorization to make the XXXX payment with her, at the end of our convo she asked if I wanted the confirmation #, I was not where I could take it down so I said no. On or around XX/XX/XXXX I received a letter from XXXX stating they were making a negative entry to my credit report. I called XXXX and spoke with a Rep that said she didn't see any notes regarding a convo on XX/XX/XXXX, I told her that if the company pulled the recording of the conversation using my phone # they could hear that I authorized payment but the rep didn't post it, the payment authorized on XX/XX/XXXX didnt post, she said she'd investigate and get back to me, on around XX/XX/XXXX, I called back, got another rep who said he didn't see anything about an investigation but he'd set it up and at this time I made the payment that was due XX/XX/XXXX, I also inquired about XXXX correcting my credit report since the rep didn't post the authorized payment and he said he'd ask supervisors if it can be corrected. Sometime in early XXXX, I received a call from XXXX XXXX relations, I forgot the name of the representative and told my story again, he too said he'd check with management about correcting my credit report. I reached out to him few weeks later and he told me that nothing he could do the report was correct. I have disputed twice with the credit bureau and they sent a letter saying the 30 day late stands the account is being reported correctly. All I am asking XXXX to do is review the conversation I had with the rep on XX/XX/XXXX, verify why she didn't post the payment, and correct the report because if the rep had applied payment on the XX/XX/XXXX the account would not be 30 days on XX/XX/XXXX and my report would not have been impacted.
Product: Debt or credit management

These companies are wrong for hitting my credit the way they have the first XXXX are very confusing have no idea what they could be. XXXX XXXX told me if I gave car back no impact on my credit.An XXXX didn't stick to the warranty deal gave truck back.Also they sold the truck as well.XXXX  acct fruad was committed on that account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX {$12.00} XXXX XXXX XXXX XXXX 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 card

Regarding my credit dispute from a charge dated XX/XX/XXXX ; XXXX in the amount of XXXX. Merchant name is XXXX XXXX. On XX/XX/XXXX Capital One told the CFPB that a credit was placed on my account in the amount of XXXX. Upon review of my account there is no credit on my account in the amount of XXXX. Instead there is a debit of XXXX on XX/XX/XXXX. 
Capital one case number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact the company regarding my report numerous times! I was a victim of fraud and my information was compromised during the XXXX breach. Ive had multiple inquires that were NOT authorized by me and wrong information on my report that needs to be removed. Ive tried contacting the creditors and Ive gotten absolutely nowhere. My last try was to contact XXXX! After multiple attempts and being transferred over 4 times with TU they told me to contact the creditors. After reassuring them that Ive contacted them multiple times they still refused to help! I have NO record of any accounts with the creditors and I am to the point that I am no longer willing to contact the creditors because I have no relationships or contracts with them! It is the credit bureaus responsibility to validate that all inquiries and accounts report on the account are true which they are NOT! This has gotten out of hand and has gone on too long. I need results!
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX XXXX XXXX.

They have been ask to place my account with XXXX XXXX  as in dispute. They have refused to do this. They want to here this from XXXX but I feel that I am their customer and they should serve me not the client that the claim is against.
Product: Vehicle loan or lease

I'm experiencing ongoing issues from Kia motor finance company. Since XX/XX/XXXX, I've been experiencing acts of dihonesty which include missing payments, having false information reported to the credit reporting agaency, and a phony payment extension. I have sent Kia motor finance and the credit reporting agency all paymetns I made from my bank account and only the credit reporting agaencies updated the correct information regarding my payment history. I've been consistingly back and forth with them to correct my payment information and they consisting harrass me by stating that I'm 3 months behind which is incorrect. In XXXX they offered to put me on a payment extension in which I was informed that this would include the next 3 months without payment but I would be charged a {$25.00} fee for the extension of 3 months. So, I was informed to sign the extension agreement that was emailed to me and I signed it on XX/XX/XXXX and called kia back to informed them it was signed and the representative stated it was fine. Later in XXXX I got a collection call and they stated they never received the extension agreement and I saw the signed agreement in my email verifying my signature. Also, I noticed for the 1st time that the extension was for the past 3 three months ( XXXX, XXXX, XX/XX/XXXX ) and realized I was provided about misleading information about this extension they infomed me about. I attempted to reach out to speak with the Manager and they refused to let me speak with any manager at all. I have been going around in circles with Kia Motor Finance since I had this car with lies and misleading information.
Product: Credit card or prepaid card

I was a victim of a credit card scheme and I reported fraudulent charges and payments on my card. After being heckled into it and harassed I was told I still owe double the balance on the card. In addition to that my account was closed due to the charge and I was sent a misleading letter to settle the account only to be bombarded with late fees and other charges when I called. When I asked why wasnt I notified on previous calls or sooner I was told I should have received emails. Even though up to the point of the call I had not received not one call, email, text or letter in regards to my card until after I received a letter to settle my account balance.
Product: Student loan

Received a call from a XXXXXXXX XXXX XXXX about a loan I did not have. I am attempting to alleviate this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry is on my credit report from XXXX XXXX. Ive contacted all XXXX major credit bureaus on XX/XX/2021 and told them that it wasnt mines and that I had no knowledge of it and they refuse to move the hard inquiry or even considered that Im a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX reported falsified information to my credit report about my XXXX account being late on the months of XXXX and XXXX. I've sent all companies documentation of correct info and payment history, and even current balances. So what I do not understand is why do they report inaccurate information and then tell me 30 days for an investigation when I have proof from the actual creditor and they have said I've never been late on a payment these guys have messed up my score and cost me to lose my 700+ credit score this has taken a financial and housing hardship on me because my information was tainted with and now it's cost me a lot please start making them report verifiable, and accurate information. They do not follow their own compliance procedure when it comes to investigations or when receiving actual proof of documentation from the consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see three hard credit inquiries on my equifax report that I absolutely did not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023 I used my XXXX XXXX XXXX Amex Card to pay for a car part and installation. The mechanic failed to show on XXXX occasions, and finally texted to say they would not be ordering the part or returning to install it. I tried for weeks to contact the merchant, and even filed a state level complaint with the attorney general 's office without resolution. I finally contacted Amex, who suggested a dispute. I received a denial. I have since appealed, since an agent indicated the correct dispute reason would be " expected goods and services not received '' instead of the original " not satisfied with goods or services. '' to date, I paid for a service I never received, and have not received a credit or refund. Although the original dispute was filed within the filing period, the second dispute was filed recently once I noticed it had not been resolved. Ref number is XXXX and is for {$200.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX I learn my Citibank credit card is 2 months behind because, as the first rep I spoke to that morning explained, " the auto pay was disabled by Citi, the system does this after a certain amount of time and we don't know why this is ''. After speaking with 2 other customer service representatives as well as a collection representative over a 45 minute period, no representative would reverse the fraudulent late fees ( {$40.00} XX/XX/XXXX, {$29.00} XX/XX/XXXX ), even after I explained the first representative admitted the bank deactivated the auto pay I set up. 

I'm employed and not having financial issues. I even made an immediate payment before calling Citi and reactivated auto pay. 

On XX/XX/XXXX I called the customer service team again and the first representative refused to reverse the fraudulent last fees, as well as the collection representative I was transferred to. I was then transferred to the fraud department and detailed the issue, and was transferred to a representative that was suppose to resolve the issue, but this rep pretended there was a bad connection and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a small loan with XXXX in XX/XX/XXXX. I began making payments in XX/XX/XXXX. I made all payments since then on time and for the full amount. XXXX reported the total balance and the first two payments to Experian. After 11 months of payments, XXXX did not reported again. In XX/XX/XXXX XXXX XXXX stop reporting any information to Experian and Experian removed the loan from my credit history. This lowered my credit score by removing the a history on time payments and increased my debt to available credit ratio. They have harmed my credit score when there is ample evidence that I have met my contractual obligations to XXXX, including paying their very high interest rate. The sole purpose o this loan was to build a credit history and therefore increase my score.
Product: Credit card

Bank of America issued me a new credit card because my account number was compromised in a data breach. I received the new card and began using it around XX/XX/XXXX, authorizing payments from my checking account on time through the online bill pay feature on Bank of America 's website. In XX/XX/XXXX ( several months after I received the new card ) I went to the Bank of America website and authorized automatic payments from the same checking account for the full amount of each credit card bill since I was going to be traveling and did not want to miss a payment. For some reason Bank of America did not withdraw the funds to pay the bill in XX/XX/XXXX and XX/XX/XXXX as it should have with the automatic payment setup. Instead, Bank of American reported to the credit bureaus that I was overdue on on my payment, reduced the line of credit on the card significantly, and closed a separate credit card account. Upon later speaking to a Bank of America representative, it became clear that the bank had not updated its online bill pay system with the new card number that it had issued to me several months earlier. Apparently, because Bank of America associated the account with the inactive card number, it withdrew {$0.00} each month even though I had used the card. As of XX/XX/XXXX, the Bank of America bill pay system still reflected the old card number ( a screenshot of the bill pay website showing the old card number associated with the account is attached to this complaint ) even though it was inactive and the new card was active and being used. As a result of Bank of America 's error in not updating its online bill pay system to associate my account with the new card that it had issued to me because of a data breach, it reported that my card was not paid on time to the credit bureaus. Upon learning that the card was not paid via the automatic payment, I immediately made payment over the phone from my checking account. In acknowledging the error on its part, Bank of America refunded the interest charge it had put on the account. Unfortunately, Bank of America refuses to remove the derogatory credit marks on my credit report.
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. 

Account Name XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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: Payday loan, title loan, personal loan, or advance loan

I applied for a loan from Kashable and submitted very personal information. I even connected my checking around through XXXX, sent check stubs, a photo of my license and proof that i started an allotment showing my first payment. I was repeatedly told the application disappeared, or that after three days I have to apply again with no explanation. Now a payment has come out of my check and I cant get a response. I submitted 4-5 applications with no response.
Product: Debt collection

They are trying to collect on debts that are no longer owed in because the company charged them off. They should not be on my credit report at all and the company got their tax write off for this debt. I never got the 1099 C for the debts in question and now they are committing fraud by trying to collect more money in this debt again and not providing accurate information to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I previously submitted a complaint on XXXX against Transunion LLC Complaint number : XXXX My original complaint stated that certain accounts were posted without my permission and violated my consumer fair rights multiple times and instead of deleting the accounts they were updated. This is inaccurate and should be deleted because those same accounts were disputed on XXXX ( # XXXX ) and they were deleted there ( Date : XXXX ). This information is harming to my credit report as I am trying to buy a home. 

They also stated that I should be receiving a notice in the mail 7 days after the response to my complaint and I have yet to receive this documentation and this is terms for automatic deletion of the disputed accounts. 

Multiple consumer laws were violated. If XXXX deleted the accounts than they should have been deleted across all credit bureaus because of the inaccuracies.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX and XX/XX/2022, Explore Credit debited {$620.00} from my bank account. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.
Product: Debt collection

The debt for {$360.00} should have never been a collection debt anyway. It was paid and after investigating, they saw that the debt was paid but still placed the debt on my credit bureaus.