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

Credit reporting Companies suddenly Lower my score for no reason.About 79 points with XXXX and 73 points with XXXX.
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : BankruptcyXXXX Case Number : XXXX, XXXX - XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) XXXX general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
REFERENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

On XX/XX/2025 I purchase {$260.00} worth of items from the Merchant XXXX and they were supposed to come in two separate packages, my first package with {$55.00} worth of clothing was stolen from a United States Postal Service ( USPS ) truck in which USPS sent me an email letting me know this occurred because I filed a claim with them about my missing package. I then filed a claim with my bank Chase and relayed all this information on XX/XX/2025 and they credited me the {$260.00} while they conducted their investigation. On XX/XX/2025 i received a notice saying my claim was unfounded and the credit of {$260.00} would be removed in full. I called Chase and spoke to a representative and they told me I could file an appeal and upload the documentation proving my items were stolen which I did, however, on XXXX XXXX they sent me a notice informing me my claim was unfounded again and I would have the amount still removed in full. I called my bank Chase again and explained Im not claiming the entire {$260.00} only the {$55.00} for the items I never received but they told me the merchant XXXX has a contract that doesnt allow refunds so I would need to talk to USPS about the refund. USPS will not give me a refund for the items, all they do is say theyll open an investigation and send you an email stating your items were stolen, and thats if you even get in contact with a representative.
Product: Checking or savings account

We opened a XXXX saving account with Capital One with a promote code XXXX. If we deposit {$20000.00} with in 15 days we will receive {$300.00} dollars bonus. 
After opened the account we deposited {$1000.00} and contact Capital One 360 Saving to confirm the bonus of {$300.00} before we deposit {$20.00}, 000, and Capital One 360 Saving denied the bonus. So we decided to close the account. 
On XX/XX/2023, we withdrew by making a transfer of {$1000.00} from our Capital One 360 Saving to our XXXX XXXX XXXXXXXX account ( the account is already in Capital One 360 Saving record ) in order to close the Capital One 360 Saving account. But the Capital One refused for us to withdraw and transfer our money back to our XXXX XXXX XXXXXXXX account. 
On XX/XX/2023, we contact Capital One 360 Saving to request the withdraw/ transfer, Capital One 360 Saving still refuse to pay us.
Product: Credit card or prepaid card

Capitalone sent me an invite to determine if I was pre approved or not, Capitalone pre-approved me and told me I was eligible to use many credit cards. I applied to receive a line of credit and I was denied. The evidence is I was late to pay during the past to Capitalone but I did pay every debt owed to Capitalone. The evidence is I will pay any debt owed to Capitalone as I have paid every debt I owed during the past. My credit score was negatively effected. The government is actively lying about me and I suspect Capitalone is cooperative of corrupt investigators.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was recently transferred in XXXX. The new loan company has reported the information more than XXXX time as more than XXXX account when in actuality it is only supposed to be XXXX account. It only has XXXX account number on all XXXX accounts being reported. I had disputed this with XXXX and transunion and both came back as verified accurate. When I called the loan company they told me that it will go back to what it was before eventually, not even given a date and said there was nothing else they can do and I also have the option to consolidate it to join them together. I shouldn't need to consolidate a loan that is only XXXX account to begin with. Both bureaus and company refuse to delete off my report
Product: Debt collection

XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX XXXX XXXX XXXX falsely claim or imply that they were government representatives Using or sending a written communication that looks like or is falsely represented to be an official document from a court or government agency Using any company name other than the true name of the debt collectors company XXXX XXXX pretended to be a government representative and sent a falsely represented official document from a court or government agency and did not at one time say that she work for XXXX through the written communication. 
They sent the attached wage order document to my employer.
Product: Credit reporting or other personal consumer reports

Trans union, XXXX TO XX/XX/XXXX, XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

United acceptance is saying that my Charge off account was in XXXX of XXXX. And it was ok current I XXXX and XXXX XXXX. This is not true or correct. XXXX  and XXXX has deleted this from my credit report in XXXX. Per XXXX  that I am disputing this on my credit report. My car was repoed In XX/XX/XXXX and charge off XXXX and was suppose to be deleted per XXXX  report as of everyone elses credit report XX/XX/XXXX. United will not send me an suppose payment that I didnt not make in XXXX no proof of payment I made. I didnt make a payment this is fraud and not correct and I want this deleted from my credit report. As my attachments you will see my complaint and bad ethics with this company. I will reach out also to my district office as well I want this resolved.
Product: Debt collection

XXXX XXXX NCA # XXXX I disputed this account with the Credit Bureaus to ensure I followed consumer protocol for credit reporting errors. 
The credit bureaus provided NCA 'S information so that I could reach them directly. In addition, they notified NCA that I disagree and dispute the facts of this account and asked that it be deleted to bring my credit report back to standard. 

XXXX-NCA responded via postal mail stating that they would cease all collection efforts. Ceasing collection efforts mean they would stop reporting this false account to the credit bureaus and other parties they may have reported the information to. I have been told that this can be done immediately via an electronic request. However, I gave them 30 days to make the correction. 

XXXX I Followed up on removal of the account via fax received @ XXXX CST. 
XX/XX/21 Spoke with a rep at NCA who refused to answer any of my questions or concerns. 

As of today, XX/XX/21 NCA is still reporting this invalidated information. Even after they came to terms that this account should have never been reporting on my report. 
Even after they sent me a letter stated that they would request that the account be deleted on XX/XX/21. 

I have suffered due to their tactics and unethical behavior. I am on the verge on losing my ability to obtain my mortgage license and I will hold NCA fully accountable if I do. 

I have enclosed the letter sent to me by NCA, which verifies their claims that they would cease all collection efforts.
Product: Money transfer, virtual currency, or money service

Im am unable to withdraw money from my account. In order to withdraw funds they require a photo of me holding my ID and a sign. I have sent in multiple versions and they keep denying it. This is an absurd way to verify and then do not offer alternatives to verify, they wont even speak to me on the phone. I cant withdraw my funds!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and equifax are showing inquiries on my credit report that i do not recognize. although i know i must go through a process, it will be hard for me to do so since i am a XXXX veteran and have a hard time getting around and moving due to my declining health issues :
Product: Mortgage

I was denied a VA mortgage loan from Navy Federal Credit Union in XX/XX/2023. I was denied for reasons that was unwarranted or justified based on income and race. 
XXXX mortgage I explained that I was putting a XXXX down payment. My net worth is valued over XXXX XXXX dollars. 
XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries are reporting on my credit report that I did not authorize. 

On XX/XX/2017, I provided authorization to Credit Plus to pule my credit report ONE ( 1 ) time. 

However, it seems Credit Plus went ahead without further authorization to pull my credit from XXXX, XXXX and XXXX on the following dates : XXXX : XX/XX/2017 or ( XX/XX/2017 ) or ( XX/XX/2017 XXXX & XX/XX/2017 or ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

XXXX : XX/XX/2017 ( XX/XX/2017 ) & XX/XX/2017 ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

XXXX : XX/XX/2017 ( XX/XX/2017 ) & XX/XX/2017 ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

I am not sure why each credit bureau shows a different date but either way, Credit Plus did not have my authorization.
Product: Debt collection

The company XXXX XXXX XXXX files 2 suits against me for 2 Credit Cards that fell victim to Identity Theft. On the recent credit report it shows one of the accounts with a balance of {$0.00} and the other as being charged off. The lawyer working with XXXX XXXX XXXX ( XXXX XXXX XXXX ) has provided no communication about this case after XXXX XXXX. In XXXX I received 5 forms requesting a date to appear in court. 2 of these were mailed from Texas, one was mailed in an envelope with a Judges name and address, and 2 were mailed with a PO box Georgia address but no firm name in the return address. The first item I received was a incomplete form requesting a court date. The other 4 followed but none of them had the stamp of the clerk of the court.on them. I emailed XXXX XXXX XXXX who replied that he and the court sent them. I replied XXXX 's email that I received a total of 5 of these forms, 2 with a PO box return in Georgia, 2 with PO box in Texas, and one from in the envelope with the Judge 's Name and address. Mr.XXXX did not reply to my last email. 
So the other day went to the county website to check on the tax bill to find out that XXXX XXXX XXXX and XXXX XXXX have placed 2 Liens on my home. The Judgement date on the liens is XX/XX/XXXX the same day that the tax assessment bill was processed. However, the liens were not recorded until XX/XX/XXXX ; about 2 weeks ago. 
I have received no word from XXXX XXXX since the email of XX/XX/XXXX. 
And the liens now have had the attorney 's fees added to the total amount.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This complaint to 700 CREDIT/XXXX XXXX for allowing fraudulent inquiry on my credit report. As I checked my recent credit report, the unauthorized hard inquiry reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Product: Credit reporting or other personal consumer reports

I information was leaked and was part of the Equifax data breach
Product: Credit reporting

Experian would not give me a credit report unless I signed up for their XXXX service. I offered to pay for report but did not want service
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX XXXX XXXX XXXX has continually labeled my account as 30 days late when, in reality, I only ever missed XX/XX/XXXX and XX/XX/XXXX payments. I have always paid them within 30 days of the due date. I am more than frustrated with this company. They are never there when I call and when I email they will never help me but, instead, tell me to just call. They have tried to push the blame on me and my insurance agency when I have documentation that they are the ones who are difficult. When I was in an accident that deemed my car a total loss, XXXX completely stopped talking with me when I inquired on what to do. They have also continently lost/never received my emails inquiring about this. They have already marked my account as late for XX/XX/XXXX when I paid the bill I received for XXXX dollars before the due date. I also Paid my account in XX/XX/XXXX and they still marked it as late. Before my accident they were always on me when I was past the due date ( i would sometimes have to have a week or two after the due date, but never 30 dates like they are reporting ), but as soon as they received a check from my insurance for over 6 thousand dollars they completely stopped talking to me. They also did not inform me that receiving a check for XXXX would not count as a car payment.. even though it should. It paid down my account quite a bit. They are RUINING my credit and I want them to stop.
Product: Checking or savings account

I was double charged for a declined tranasactiln and approved.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

It is deeply concerning to discover that my credit with your bureau has been compromised. Despite submitting items with an FTC fraud report # XXXX, it has come to my attention that they have not been removed. As per the requirement outlined in law 605b of the FCRA, I am submitting this complaint along with my new FTC reports # XXXX and # XXXX. Should you choose not to remove the following items listed below, which are reporting inaccurately due to identity theft, I will be compelled to engage my attorney to initiate legal action. However, it is my earnest intention to avoid such measures, and I implore you to adhere to the law. Please remove the following items as they are fraudulent and were opened without my consent or knowledge : XXXX : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$37000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6000.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance Owed XXXX {$6200.00} XXXX  XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$7000.00} XXXXEQUIFAX : XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXXXXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$8400.00}. If you claim these items are 100 % accurate and verifiable, I require copies of any documentation associated with these items bearing my signature, as I am certain none exists. In the absence of such documentation, I formally request the immediate deletion of this information from the credit file maintained under my Social Security number. Please be aware that you have four business days to remove the reporting of any items in my credit file resulting from alleged identity theft. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX File Number : XXXX Someone within SYNCB/XXXX went into my account and changed the paper statements to email without my permission or knowledge. I did not receive the bill to pay it. 

When I saw it pop up on my credit report, I contacted them immediately to find out the problem. I was told that the late fee would be taken off and that the account was switched back to paper statements. They asked me if I requested that the statements be switched to email and I told them no, that I had not requested this. 

I proceeded to pay off what I owed in full.
Product: Payday loan, title loan, personal loan, or advance loan

On Monday XX/XX/2024, I contacted SoFi via its XXXX ( XXXX ) number to request paper statements for a personal line of credit that they recently acquired from XXXX XXXX Bank. SoFi denied my request for paper statements and will only provide via their website per my conversation with XXXX XXXX from the SoFi call center. The signed agreement for the personal line of credit from XXXX XXXX includes an electronic records and signatures section which specifically allows for the consumer to request and receive paper statements upon request. That document is included in this complaint. Since the agreement was signed with XXXX XXXX Bank and SoFi has since taken over, the ability to request paper statements is should continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

A middle name has been added to my Transunion account and maybe the other as of XX/XX/2020. XXXX and XXXX is listed as my middle name and that is incorrect, I have written in letters on 3 different occasion and Transunion continues to send me an " updated '' report with the same incorrect name.
Product: Student loan

While my loan was with XXXX XXXX I received information that if all payments were made timely, several months of payments would be forgiven. After uploading several documents to the Navient site and having multiple phone calls with them, I was told the program did not apply to my loan anymore.