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

XXXX XXXX XXXX credit card has not updated since XX/XX/2022 on credit report. They switched from Comenity to Bread Financial around that time. Ive sent in complaints to the company multiple times and they just say they cant help me at this time. XXXX says they cant help. 

Im in the process of buying a home and its showing Im using 13 % of my Balance when its been paid off since XX/XX/2022. 

I dont want to close the card but I do want them to accurately report it and update it monthly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX, XXXX ( XX/XX/year> ) Dear CFPD, I am writing to dispute incorrect personal information on my credit report. The names and addresses listed do not belong to me. Please investigate these inaccuracies and remove them from my record. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion customer service would not help and take care of the negative inquiries reporting to My credit report, please find the list : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Thank you
Product: Credit reporting or other personal consumer reports

My wallet was stolen on XXXX XXXX. It had all my credit cards and my DL/State ID. 
A few days later, I received a hard credit inquiry from XXXX XXXX and my credit score went down by XXXX pts. on all the credit reporting companies like XXXX, Equifax, and XXXX. 

XXXX XXXX contacted me saying there was an application for an account being opened in your name which I did not open. They reported it as a fraud. 

I contacted XXXX and they removed the hard Inquiry from their system on my credit report. 

I contacted Equifax and they asked for a report from reportsfraud.FTC.gov. for disputing the hard inquiry on my credit report.
Product: Debt collection

CC CB/VICSCRT XXXX XX/XX/XXXX {$0.00} CCB/CHLDPLCE XXXX XX/XX/XXXX {$0.00} medical EMERALD AR XX/XX/XXXX {$1100.00} XXXX 'S XXXX XX/XX/XXXX {$56.00} HLTHCARE COL XX/XX/XXXX {$3500.00}
Product: Debt collection

My file # is XXXX This was a fraudulent account opened at the beginning of XXXX in XXXX, Oregon under an apartment address I left in XXXX. The amount of the of the account was {$130.00}. 
I disputed this with XXXX XXXX on XX/XX/XXXX. Please see the status below : Completed JEFFCAPSYS Reported on XX/XX/XXXX {$130.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 

Dispute Reason Ownership : This account was opened fraudulently. 
**************************************************************************************** I had a XXXX account until XXXX. I never had a XXXX account until XXXX. 

XXXX called me and saw that it was not my account. They reported as fraud but it is STILL on my credit report under Jefferson Capital System.
Product: Debt collection

CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete the account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Best, Without prejudice, all-natural inalienable rights reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX XXXX that my XXXX XXXX dropped significantly last fall. I pulled my free credit report and saw a charge from Citizens Bank. I called them and found out that there was a XXXX XXXX credit card with my name on it. I told the representative that I did not open the account. 
She then asked me to verify my information. I checked and everything was the same other than my email address and they did not have my work number. I stated again that this was not my account. The woman asked me if I knew who opened it. I said no. She said she would initiate a dispute on their end. 
I then disputed the account with XXXX and moved on. 
I received a collections call from Citizens Bank in the spring for this account. I told the person I spoke with that this was not my account and that they should not call me again. I alerted them that I had already filed a dispute with the credit bureaus and Citizens Bank and asked if there was a record of this. He said there was not. 
I then called the number for Citizens Bank on my credit report. The woman I spoke to said they wanted me to send : A copy of my social security card and proof of my birth date A writing sample My signature written several time A copy of an FTC report I told her that seemed to invite additional fraud and I would not. 
I disrupted the charges again online with all three credit reports and am filing this dispute for fraudulent activity. 
I did not open this account, authorize this account or in any way use it. I dont know who opened it, how they opened it or why. I am asking for any assistance with removing this fraudulent activity from my account. 
I have been the victim of identity theft before and have XXXX and monthly credit monitoring. Most recently, I was a part of the XXXX data breach and the XXXX XXXX data breach. I do have monthly credit monitoring and I do have fraud alerts on all three credit bureaus. 
Any and all help in getting this matter resolved and removing this Citizens Bank card from my report would be greatly appreciated. I have one credit card and it is in good standing and I would like to keep it that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXXXXXX Balance Owed : {$9900.00}
Product: Mortgage

We Re-Financed our Mortgage with a Credit Union, with Cash Back to Payoff Creditors. Our Credit Union used a Title Company to perform Creditor Payoffs. All but one Creditor received Payments. This Title Company has documentation they have sent two Payments, first to the regular Payment P.O. Box on Billing Statements. After 19 Days, Title Company said it was never cashed and Voided it. A second Payment was sent Overnight XXXX to a Payment Center at different street Address, Delivery received in person, yet after 8 Days has not been cashed or Posted to our Account. Our efforts to solve this are ignored by Collections & Customer Service. Our Credit Union & their Title Company are willing to again Void the Second Payment Check and issue a Third, but recommend a Manager Name, Telephone with Street Address for XXXX Tracking Delivery Verification, which the Creditor will not provide. Should we send the Third Payment to the same P.O. Box without ability to Track or document what happened to these Payments?
Product: Bank account or service

I have a corporate bank account with Citibank. Citibank has sent me an email in which it is asking for my confidential information ( personal financial details, date of birth, country of citizenship ) to be submitted to Citibank via email. I have no issue with providing this information. However, Citibank should know that it is not safe to provide this information over email. Such information should be submitted only via a secure website. Citibank should not encourage consumers to send confidential information over email as it is widely known that this is not secure.
Product: Vehicle loan or lease

On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX address XXXX XXXX XXXX XXXX XXXX TN XXXX. It was financed through Santander Consumer USA, I dont have a central address for them. My APR is 22.95 % I was XXXX just for financing. The principal balance is XXXX. After all 72 payments are made I will have paid XXXX. If you add the XXXX value of my trade in that brings the total to XXXX! Thats almost double! And well over 3 times what that truck is actually worth. Please help me. I have talked with both Santander and the car dealer both told me that. I could try to get a loan some where else. Or trade and get a compact car for even more a month.
Product: Credit card or prepaid card

Was notified of possible fraudulent charge on my XXXX on XX/XX/2021. Called Barclays immediately to let them know of the fraud. Spent XXXX hours on hold, but the person filed a case and told me they would remove the charges and file with the fraud department. a month and a half later I received a letter from Barclays that 1 of the charges was being charged back to me because the investigation showed it was legitimate charge. I tried to contact Barclay card for a week and spent over 6 hours on hold trying to get through to them to let them know it was a fraudulent charge and was not legitimate. Without success I contacted the office of the president at Barclays and received a response back from them. When I talked with them they gave me a phone number of XXXX XXXX XXXX to contact them about the charge. I called XXXX and they were helpful with information about the order, even gave me an address where the product was shipped to somewhere in North Dakota. I contacted the office of the president at Barclays again and they told me there is nothing they can do. I was suppose to have a zero liability fraud protection with my XXXX!! I don't know what to do now!!! XXXX says they can't do anything and Barclays tells me to contact XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following Accounts have violated my rights : XXXX XXXX XXXX, Account # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX, Amount {$2300.00}, Date Opened XX/XX/2018. 

15 U.S.C. 1681 Section 602 A States that 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

In accordance with The Fair Credit Reporting Act, the following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 for convictions of crimes which antedate the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) states 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 may be inaccurate.
Product: Checking or savings account

i dont know embezzling money and then told they where not goin to pay for claim they owe me not only did they steal from me but to tell me they are not goin to put the money money back they dont own me anything ( is a joke ) they refused to do anythign with but the funny thing is i got clarification from the comapny who i was haveing issue that the funds where paid back and they sent me letter saying it was correcrted to the right person the bank diputed and won and then to have the bank send me letter refusring to pay me and they dont owe me anything embezzle the money and just not return it is nuts that not the only issue they also took 10 months to get me anwswer from the chairmain that they wont pay me back i have documantions and ect on this matter and they close my bank account and stole embezzling my money and they give fees for giveing false informations? say i owe them money is this a joke this company can pay me for the abuse that they gave out and then sum
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I currently have a judgment from Civil court that is reporting on Transunion and XXXX. I have XXXX situations with this judgment and have disputed this information for months and I desperately, need help. First this suit was brought against me for back rent by my rental management named XXXX XXXX XXXX. I had a court date for XXXX and was told by the management office not to go because I had paid my rent in full and there was a XXXX balance. However, a default judgment was made against me because I did not go to court. I would have gone to avoid this. Secondly, this judgment was included in Bankruptcy that was filed on XXXX/XXXX/15 and has since been discharged on XXXX/XXXX/15. I have explained these XXXX situations to the credit reporting agency and the information has not been deleted. This judgment will affect my future for many years to come and it is not my fault. Please help. As of XXXX XXXX 2015 i had already paid a partial rent payment for XXXX so there is no way I was behind to have a judgement against me. I have attached copies of canceled checks.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I purchased cryptocurrency ( XXXX ) on the platform. 

From XX/XX/year> to the current date, I have made multiple attempts to transfer the XXXX to my own wallet. PayPal supports and has the interface for this feature.

On every attempt the transfer is not completed and the message below given : " The transfer didn't send.

There was a technical issue. Try entering your info again. '' PayPal makes any form of contacting support very difficult. I have not been able to determine why this message is displayed and the transfer is not completed. PayPal has not returned my support inquiry.

My own research shows this problem to be common, with many other PayPal customers claiming the same problem on multiple social media platforms.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit agencies does not have my written or verbal consent to obtain or sell my information regarding my bankruptcy file in XX/XX/2015 with the US BANKRUPTCY COURT-XXXX  XXXX XXXX XXXX XXXX , OH XXXX XXXX. They are illegally giving out my personal information Per the Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  has a dismissed bankruptcy on my report which they both say was verified thru they 3 party vendor XXXX who they claimed they certified it was accuraste. I would like to exercise my ights to see that certification because i contacted XXXX and the told me its no bankruptcy for me in there data base ... Experian rep and I call experian on a conference call and they confirmed it was not there..on XX/XX/2020 experian removed the bankruptcy then on the XXXX put it back on my report without prior notice which is violation of the FCRA in which they have to notify me with in five days in writing of the reinsertion. I respectfully ask that you investigate they actions and have them follow proper protcol and remove this dismissed bankruptcy from my report
Product: Checking or savings account

XXXX  overdraft protection lawsuit i was being charged overdraft fees
Product: Student loan

I p
ay with Auto Payment. When I make an addit ional payment to Loan A, I state to " Not pay ahead the account '', either with a separate piece of paper or using the company 's online option. This is what Navient has told me to do several times. Almost EVERY TIME, Navient " pays ahead '' Loan A s uch that : -I get an email saying my payment will be lower this month -The Auto Pay amount ends up being the same ( it is not, in fact, lower ). - The amount of the payment that is allocated to Loan A is reduced from {$100.00} to {$25.00} ( this is regardless of how much the extra payment was - typically around {$500.00} ) This is documented in the attached file as happening on X/XX/17, X/XX/17, XX/XX/17. Each time there is a misallocation, I contact Navient and typically receive a correction with 1-2 calls. Additionally, the amount allocated to each loan occasionally varies, for no reason that I know of, and with no explanation, as on XXXX/XXXX17 and X/XX/17. ( I have been making extra payments on Loan A starting this year - I made extra payments on Loan B ( XXXX Direct Plus XXXX ) for the last 2 years with the same problems )
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I've notice that inaccurate information is being reported on credit report. Starting with XXXX XXXX XXXX XX/XX/XXXX, FIN CR NETWORK XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In approximately XX/XX/2016, via telephone I was disputing the charges. but didn't feel listened to. I was explaining I believe some charges were from another source and disputed the overall balance. I got nowhere. I hate to think my identity was hampered with but the company reps didn't seem eager to assist.
Product: Debt collection

I had a outstanding credit card debt with Capital One. I was contacted by XXXX XXXX XXXX debt collection agency ). I agreed to pay XXXX payments of XXXX to settle the acoustic in full. Upon settlement I was to receive a release from debt letter and upon settlement a deletion letter to credit bureau. As if account never existed. No adverse credit on report. Over XXXX years later after I paid in good faith. Still on credit report terms of settlement not followed as promised. Contacted Capital One and XXXX to no results
Product: Mortgage

Mortgage Concern : I received a mortgage in XXXX of XXXX from XXXX XXXX  to purchase a condoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. After purchase, I was immediately transferred to XXXX XXXX XXXX XXXX, a debt collector. I paid my mortgage every month. After about a year and without written notification, I was transferred to XXXX XXXX. I can not recall how I found out, but eventually had to set up an account with XXXX XXXX. Again, after a year, I started receiving calls from XXXX XXXX XXXX. I thought it was a mistake, but eventually tried to call them back. I would spend XXXX min. Or more on hold, and once I would inquire about the phone call, I was informed I would have to be transferred to another representative due to loan status. I did not understand this and kept paying my mortgage to XXXX XXXX. In a short while, XXXX XXXX returned my mortgage, and when I called, I was informed I had been transferred back to Rushmore. After an intensely frustrating time on hold and speaking with representatives, I was informed that both XXXX XXXX and XXXX sent goodbye and welcome packets to me at my condo address. I received neither of these. I set up another account with XXXX and began paying my mortgage again. At this time I was informed my property tax had been reassessed by XXXX XXXX and my tax portion of my mortgage had increased by almost {$50.00} per month. Again, no notice of reassessment and no idea how they came to this amount. Then I received a statement from XXXX Loans ( which I think is XXXX ) XXXX XX/XX/XXXX, and now my fixed mortgage has not only increased through taxes, there are fees and charges of {$33.00}. 

However, on XX/XX/XXXX, I received notice that my mortgage was transferred to SN Servicing Corporation, who informed me that they were my new mortgage company and they needed proof of insurance. Who is paying my insurance and isnt that something that the mortgage transfer should handle. 

Suffice to say, I believe this to be an effort to take advantage of consumers, specifically, consumers with fewer means to defend themselves. 

Please help the consumer,
Product: Credit reporting or other personal consumer reports

I declared I was apart of a national disaster for charged off and collections accounts. I disputed both as being in a national disaster and the collection amounts be removed as I was tragically impacted. 

Original Lender ; XXXX XXXX since sold the debt to XXXXXXXX XXXX XXXX. XX/XX/XXXX Original lender XXXX XXXXXXXX XXXX XXXX, since sold the debt to XXXX XXXX XXXX. XX/XX/XXXX. 

Charged Off and reported as a loss : XXXXXXXX XXXX XXXX  opened XX/XX/XXXX closed and which is reporting charged off XXXX XXXX XXXX XX/XX/XXXX closed in XXXX now reopened and charged off. 

XXXX XXXX  XX/XX/XXXX charged off XXXX XXXX XXXX opened XXXX XXXX charged off and reported as a loss by creditor. {$4300.00} and account XXXX XXXX {$500.00} I asked that each account be removed and deleted from my credit report. These are very harmful to my score and credibility worth. As a result of being apart of a drastic life change these should be taken in consideration as the loss they already written off due to unforeseen circumstances such as a national Pandemic.