23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX My only name is XXXX XXXX XXXX. 

My ONLY ADDRESS IS CURRENTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Fl, XXXX My social ends in XXXX My only phone # is XXXX I have been reporting to the credit bureau with IDs to verify my information, they are still continuing to keep all old, outdated, or incorrect personal information on my reports preventing me from verifying my identity with other places or applying probably. 

Trans Union LLC XXXX XXXX XXXX po box XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX survive : XXXX XXXX XXXX XXXX, GA XXXX Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
XXXX XXXX XXXX XXXX ( XXXX  ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My current address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Fl, XXXX XXXX. Current and only phone number : XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these outdated addresses and update the addresses with the one above. 

My only phone number is XXXX Delete any and all other phone numbers below, they are not my number and do not have any connection to me. 

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
I demand a deletion of all personal identifiable information from my consumer report with the exception I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons Delete all information in the employer section. 
Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX ( XXXX  ) ( XXXX ). am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of XXXX XXXX XXXX and all its subsections. 
Please send and updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Port XXXX XXXX XXXX Fl XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}.
Product: Credit reporting or other personal consumer reports

The reported late payments do not reflect my regular payment habits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
XXXX there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXate of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXXXXXX Bank In accordance Fair credit reporting act under 15 USC 1681 Improper use of credit report. Reporting use my report improperly. 15 u.s.c 1681 section 602 A. States the right to privacy 15 U.s.c 1681 section 604 can not furnish a account without my written instruction. 15. U.s.c 1681c. ( a ) ( b ) section states : no consumer reporting agency may make any consumer report containing any or the following items of information. Any other adverse item or information other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate
Product: Student loan

On XX/XX/XXXX I finally received my official letter in the mail ( attached ) from MOHELA and XXXX XXXX XXXX informing me that they had determined that I met all of the requirements for student loan debt forgiveness under the XXXX XXXX XXXX XXXX XXXX program and that my existing student loans had been forgiven in total. While this was certainly welcome news to me after an arduous year and a half of dealing with multiple loan servicers and submitting and re-submitting my documentation and dealing with many unhelpful bureaucrats along the way, there is still XXXX more issue that has been left unresolved ; namely that I am due {$4900.00} dollars as reimbursement for XXXX overpayment for the 18 months of payments that I made after I had reached XXXX qualifying payments for my loans in XXXX of XXXX. I am including a screen capture file ( attached ) showing my XXXX  tracker with XXXX Qualifying Payments approved on XX/XX/XXXX which was the status of my account a few weeks before my student loan forgiveness was approved and processed and then my online account showed as in good standing once the forgiveness was processed ( additional screen capture attached as well ). This clearly shows that I had made many months of extra payments, along with some additional credit for Qualifying Payment periods during the XXXX student loan payment pause period. 

Since receiving my loan forgiveness under XXXX in XXXX I have made several follow up phone calls to both MOHELA staff and staff at Federal Student Aid to find out when I would be receiving my XXXX  reimbursement payments and neither entities were able to provide me any information or confirm to me that I was indeed getting the reimbursement that I am rightfully owed under federal law and multiple XXXX XXXX order relating to the XXXX XXXX XXXX XXXX program. 

After making a year and half of extra payments on my DIRECT Federal subsidized and unsubsidized loans after I had crossed the required XXXX payment threshold under the XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX, I am due those funds. Those extra payments that I made in the total amount of {$4900.00} dollars during the period of XX/XX/XXXX through XXXX of XXXX should be refunded to me immediately now that my loans have been forgiven. 

I request an answer immediately as to the status of my {$4900.00} dollar XXXX overpayment reimbursement and the quick deposit of these funds back to me either via direct deposit from the XXXX Treasury to my bank checking account or a physical check in the mail to my mailing address. 

XXXX XXXX, XXXX XXXX XXXX RI XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I was upset after I obtained my XXXX, XXXX and XXXX  credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as ofXX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit card

I made a balance transfer from my Bank of America Card XXXX XXXX XXXX XXXX card on XX/XX/year> for {$2900.00}. Bank of America posted it on XXXX and XXXX am told they tried to recall it on XXXX problem is I accidently included an extra number in the bank account for XXXX XXXX XXXX I have talked to Bank of America twice and they say the case is closed... they can't get the money back. XXXX XXXX says they can't help me. What I want to know is since there is an extra number in the account number I provided WHY did it go through. IF XXXX XXXX received it and there is the extra number in the account number WHY didn't they reject it! Neither company will do anything and I can't afford to have {$2900.00} floating around and me making payments. the last claim number was XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). 

The account in question is associated with Pro Collect, opened on XX/XX/year>, for the amount of {$170.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. 

According to the FCRA, it is imperative that all information reported to credit reporting agencies is accurate and complete. The failure to report the correct payment status constitutes a violation of federal law. Additionally, the XXXX mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. 

Given these violations, I hereby demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you are unable to provide accurate reporting. 

Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it. I expect a response within 30 days, as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have called multiple times to creditors and mailed letters to creditors to get issued resolved. These accounts are fraudulent.
Product: Credit card or prepaid card

Hi team, The fraud has been done on my credit card of amount XXXX XXXXXXXX and XXXX XXXXXXXX on XXXX XX/XX/2022 and I have immediately report the incident to the bank and blocked the card. 
The customer care member told me not to lodge a complaint as they will check and now after 5 days they are saying that its a secured payment so they cant do anything. But as per XXXX guidelines if you complaint within 3 days they will refund all my money. 
Please look into this matter and take action as its not a small amount for me.
Product: Checking or savings account

On Saturday, XX/XX/2021, I inquired about opening a Chase First Checking account for my XXXX-year-old daughter. I was told I needed to have a Chase account for myself in order for me to get her account. I opened a chase account ( XXXX ) for myself as part of the steps taken needed. I wrote a check ( # XXXX ) for {$550.00} from my XXXX XXXX XXXX  account to open this new account for myself. 

A few days later I opened up the Chase First Checking account for my daughter on the Chase app. A few days after that, I noticed her account was no longer accessible. On XX/XX/2021, I called to get details on what happened. I was told to call XXXX, option number one. I called this number on the same day, XX/XX/2021, at XXXX and the call lasted for approximately twenty minutes. 

This is when I was told the check I wrote from my XXXX XXXX XXXX  account hadn't been cleared and that the representative made the decision to close my account because she contacted XXXX XXXX XXXX  ( XXXX ) and claimed that XXXX said that check number XXXX, written eleven days prior to the call, would not clear because of lack of funds. 

I contacted XXXX  because I knew the Chase representative was absolutely wrong and did not do her job properly. XXXX told me that check had already cleared and that it was on Chase 's end. This Chase representative gave me false information on why the account was closed. I need transparency and need to know the reason for the account closure. 

I strongly suggest Chase listen to the recorded call that occurred on XX/XX/2021 at XXXX that lasted for twenty minutes. The representative does not know how to do her job, asks questions but does not listen, and should not deal with the public. 

Although, I don't open checking accounts often, I have never had issues with opening, closing, or maintaining my accounts. I am not sure how this looks to XXXX  when a bank closes an account on a customer. The closure was absolutely not my fault. 

Please review my XXXX  documents and the communication between myself and XXXX  that shows the dishonesty of the Chase representative.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees. Despite of having sufficient funds when transactions were authorized. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

Commerce bank once again is charging me XXXX dallors per failed /bounced transaction and most creditors try twice and I have a hard time understanding why when I get paid they can't wait until that day to bill me I been out of work for almost 2 weeks bc of an injury I've paid 10 fees of XXXX dallors a total of XXXX dallors since XX/XX/XXXX and they return XXXX before that so that's another 3 a grand total of 13 {$480.00} dallors in fees in just a little over a month I could have paid my electric bill thats XXXX dallors im in tears right now and don't know what to do again please help me.
Product: Credit reporting

During a background check for my new employer, I was shocked to find address for my in other States that I have NEVER resided. I immediately notified each credit bureau and had a fraud alert placed on my Social Security Number. In addition, I have repeatedly disputed the following inquiries and nothing has been done. Additionally, I only request credit for myself under XXXX XXXX XXXX and that should be the only name on my record. I would appreciate the removal of the following hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX 2. XXXX/XXXXXXXX - XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX
Product: Credit card

I have a scheduled payment on XX/XX/year>. I noticed today on XX/XX/year> that the payment failed. 

Bank of America did not notify me in advance that the payment failed.
Product: Credit reporting or other personal consumer reports

I show a bankruptcy on my credit report XXXX XXXX XXXX XXXX XXXX with a Reference # XXXX. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate information
Product: Student loan

My student loans serviced by XXXX XXXX were sold to Firstmark in 2022. 
XXXX XXXX had applied Servicemembers Civil Relief Act interest cap of 6 % to my loans based on me being a dependent of an XXXX XXXX servicemember. I am not the servicemember, but XXXX XXXX honors this for dependents. 
When loans were sold to Firstmark without my informed consent, Firstmark erased the SCRA status on my loans and raised my interest rates. They are variable, so now they are nearly double what they were last year. 
I've called multiple times to ask for my interests rates to be lowered based on the status of the loans when they were sold to Firstmark, but Firstmark has refused saying I don't meet the qualifications under SRCA. I agree. However, my original lender did apply this to my loans and it should not have changed when they were sold. 
This is predatory.
Product: Credit reporting or other personal consumer reports

XXXX and experian will not remove collections that don't belong to me and i have disputed them several times there are several collections that stay remaining on my report even a collections that is over XXXX XXXX XXXX that hasn't been removed
Product: Vehicle loan or lease

On XXXX XXXX, XXXX I XXXX XXXX, Minnesota XXXX, signed a deal from Chrysler Financial at XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX. With that I also traded in my XXXX XXXX XXXX. 
Because I currently receive workmen compensation ( WC ) I was allowed to come back on Friday, XXXX XXXX to pay {$500.00} down and provide the paper copies of my WC payments I received in XXXX XXXX. 

When my temporary license plate paper expired on XXXX/XXXX/XXXX, I called the dealership to find out about my permenant plates. At this point, I was told that funding had not been completed on the bank side. I was asked to verify why my check stubs stated vendor payment? I then reminded the dealership of my WC and provided my doctor 's note. 

After not hearing anything I was then contacted by the dealership XXXX/XXXX/XXXX stating that the bank needed tangible verification of my child support ( CS ) payments verses the screen shot I had sent. I then emailed over the my scanned paper statements for my CS payments that day. 

On XXXX/XXXX/XXXX, I was again contacted by the dealership to provide my bank statements. I submitted those by email that day. 

Finally, I was contacted on XXXX/XXXX/XXXX by the dealership stating that the bank needed a XXXX statement verifying my employment and WC. I emailed a copy that next morning. Now as of yesterday XXXX XXXX/XXXX/XXXX XXXX, the dealership informed me that I may need to return the vehicle. When I asked about my trade in vehicle, the dealership stated that they were not exactly sure where my vehicle was and that they could possibly cut me a check for the manufacturer price. They then informed me that it was not their responsibility in regards to my transportation. 

I am so confused and saddened by my experience with this car purchase. I do n't know what more to do.