23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This account was already PAID and should not have any late payment recorded as I pay this on time. Please re-investigate and correct this report.
Product: Checking or savings account

since XX/XX/2023 been trying to resolve with PNC bank and XXXXXXXX XXXX regarding this check issues {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Equifax RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report. After previously delete at the item and then added it back on without sending proper notifications! 

I am absolutely certain that the item I disputed should be permanently removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence! Who did you speak with at the United state bankruptcy court in XXXX Minnesota. Please provide a copy of what information did the US Bankruptcy court provided to you that would have made you reinsert the chapter XXXX public record?? They are the furniture of this information so they mustve supplied you with some type of information that wouldve made you put it back on the report after deletion! You keep saying XXXX and the pacer system but they are 3rd party. Per the FCRA this information must and shall only be verified with the furnishing company and that is the United States Bankruptcy Court, XXXX! 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate violation of the FCRA Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

I have tried and tried to contact Navient, but get no response. They claim I agreed to some sort payment plan that has this ridiculousnessly high amount, when I dispute that and demand they show me something with my signature on it, they can't.
Product: Vehicle loan or lease

My husband and I are paying a substantial amount on a used vehicle. We are supposed to pay a monthly payment of {$570.00} dollars. We fell on hardship and called to see if we could lower our payments they said no they couldnt. Upon checking our lease agreement we noticed there is different numbers on our agreement versus our credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

Currently on XXXX XXXX I had a banking issue which ended up cancelling and refunding a out I had made through coinbase. They locked down my account due to it and asked for a resent payment which I gladly gave the information to recharge me what was owed. Over a week later and my account is still locked and I can not sell my XXXX like I have said. I have messaged on XXXX as well as there customer support cases and not one word back from them. I believe this company is fraudulent and fake due to not having any sort of customer support team nor a number to get i go contact with someone to help while being a financial company. This is horridous and have XXXX dollars of my money currently locked up.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Remove the disputed account from my credit report.
Product: Debt collection

On XX/XX/XXXX an account for XXXX was open through CommonWealth Financi ( cwf ), on XX/XX/XXXX CWF added the debt to my credit collection, which showed me on XX/XX/XXXX through XXXX XXXX. I never got a paper stating I owed a debt for CWF, nor have I received anything from CWF showing I had an open account since XX/XX/XXXX. Ive tried to call but office hours were not active durning that time.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$12000.00}
Product: Bank account or service

On XX/XX/2016 my UnionBank checking bank account was charged an unauthorized purchase transaction in the amount of {$400.00} by XXXX CA. However, on the same day of XX/XX/2016, 21 minutes before this unauthorized transaction I did shop and their for made a purchase from XXXX in the amount of {$56.00}. I have all of my prescriptions sent to XXXX for which I must pay for in order to pickup. I rarely carry cash on hand so I more likely use my bank debit card. I occasionally login to my UnionBank account as I did on XX/XX/2016 to avoid overdraft fees. Since I had very little transactions the {$400.00} withdrawn amount was very obvious. I then panicked and called UnionBank right away to report the unauthorized transaction. Today, XX/XX/2016 I followed up on status of my reported claim with UnionBank and have been informed that my claim was Denied due to : 1 ) repeated transactions from vendor 2 ) distance of vendor from my physical residence 3 ) the fact that I had my debit card with me at time I made the claim 4 ) Imy PIN code memorized their for no other person could have known of my person PIN code. Their is nothing I could have purchased from XXXX for the amount of {$400.00}. I ask that XXXX please allow me to see their surveillance cameras. UnionBank rep mentioned that whoever made the purchase transaction used my card since it has a chip & could only have been used along with the PIN code. 

And this was my banks response decision in regards to my claim : " For your reference, your debit card is the new chip-enabled type. This debit card type includes new technology that makes it difficult for someone to replicate or steal payment information at the point of sale. You may not be aware that the XXXX involved with this claim accepts chip transactions. Additionally, our Claims Investigations department verified your card was not linked to any known point of compromise. While we have no reason to believe your card was compromised, the transactions on your card do not appear to be suspicious. 
Based on the fact that you acknowledged authorizing a transaction at this same store approximately 21 minutes before the disputed transaction, prior transactional history at the XXXX, and being located in the vicinity of the disputed transaction, our Claims Investigations department declined the claim. After reviewing your claim with management, the Office of the President concerns the original denial decision was appropriate. ''
Product: Credit reporting or other personal consumer reports

I spoke with XXXX at XXXX the week of XX/XX/XXXX. I informed her that the info on my report is incorrect and some fraudulent. I told her the correct address, phone number, email address, and employer that should be in there. The other addresses are non mailable addresses. I was informed it would be updated and removed. I then asked for a copy once updated, because I am aware it literally takes XXXX hours and this was not done. I even gave it XXXX weeks to ensure it was done. I check today which is XX/XX/XXXX and it still reflects old and inaccurate info. Not to mention XXXX told me it would only take no more than XXXX hours to update.
Product: Consumer Loan

I obtained a loan in XXXX of XXXX for {$5000.00} from Avant. While in the process of applying, I realized the interest rate was very high ( 36 % ). I was very uneasy about accepting the approval but was trying to mend my credit so I asked about the ability to have the loan refinanced internally after a period of time to have the interest rate lowered. When speaking with a representative, they assured me that if I met a few compensating factors, I would be able to refinance and have a lower interest rate applied to my loan. The factors are listed below : Request at least an additional {$1000.00}, maintain the same or better credit status and income situation. I have continually tried to refinance with every application resulting in a decline. I have asked numerous times for reasons for the decline and get the run-around from customer service. I finally received a valid answer last year, that it had not been a year since origination and they advised I wait until after a year to re-apply for a refinance. That I did. When I re-applied, I was declined again. I requested reasons for the decline and this was the response I received : 1.Income insufficient for amount of credit requested 2.Limited credit experiences 3.Presence of BK 4.Length of time revolving account has been established too short In response to those reasons please see below : 1.I make more money now than I did in XXXX of XXXX 2.I have had credit since XXXX so I 'm not sure the reasoning behind that explanation 3.I had a BK present on my credit at the time of origination for the original loan. 
4. I do have XXXX new credit cards but I have had revolving credit for over XXXX years. 

Here 's my complaint ; I feel as though they trapped me into this loan. if I knew that I would be unable to refinance the loan for a lower interest rate, I would gone a different route. I believe that my recent applications are being intentionally declined so Avant can continue to unfairly collect a high rate from me. I had no idea what I was getting into when I signed up for the loan. The process was very quick and confusing and I feel stuck. The representatives are very unhelpful and unknowledgeable when I call and ask for an explanation.
Product: Checking or savings account

I have been receiving emails from PenFed Credit Union for several months asking for information to allow PenFed to send statements and documents electronically regarding my account with PenFed. I don't have an account with PenFed. I have just received a hard copy " Regular Share Account '' " Consolidated Statement '' from PenFed for the period of XX/XX/XXXX - XXXX XXXX showing an opening deposit of {$5.00} and an ending balance of {$5.00}. I never opened an account with PenFed ; neither did I make that deposit.. I suspect it has something to do with a personal loan we obtained through XXXX ( formerly XXXX XXXX XXXX ), a California-based finance technology company, from which we obtained financing for the installation of a solar system on our home. PenFed may be the servicer of that loan. That would have been a transaction between XXXX and PenFed, a transaction to which I was not a party, and, to my knowledge, not a transaction requiring the creation of a deposit account in my name. I'm not one to look a gift horse in the mouth, unless, of course, the gift has something to do with my personal financial information or affairs, in which case, I am hypervigilant. Please investigate.
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. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXccount Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account doesn't belong to me. 
XXXX XXXX This account doesn't belong to me. 
XXXX XXXX XXXX This account doesn't belong to me.
Product: Debt collection

Date : XX/XX/year> XXXX True Accord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Intent to File a Complaint with the XXXX Dear Sir or Madam, I am writing to formally notify you of my intent to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant consumer protection agencies regarding the handling of my account with XXXX XXXX XXXX XXXX 

Despite my previous communications and requests for resolution, I have encountered significant issues with how my account has been managed. Specifically, my concerns include abusive, harassing, or unfair collection practices, such as excessive phone calls, threats, or deceptive tactics used to pressure you into paying. The collector has violated consumer protection laws, such as failing to provide required disclosures, not honoring requests for verification, or engaging in illegal collection practices.
Product: Checking or savings account

I opened a XXXX XXXX HSBC account online on XX/XX/2018 and placed $ XXXX in it. Recently, I received a strange email from HSBC saying I needed to contact them, it was at that time I noticed my account was locked and I have no access whatsoever to the account. Several days of calling, emailing, live chatting and I've gotten nowhere. If someone is reached they say they can't help me and I go back into a phone queue waiting for someone from the fraud department. I've now put in 5 hours on the phone ( more than 95 % of that time was / is on hold ) and I have no indication of getting closer to resolving the issue. 

My guess is that HSBC is going to use whatever trick they can to not honor their {$200.00} new account bonus promotion that was due to pay out on or around XX/XX/2018, so they went with this fraud excuse less than 10 days before the promotion payout. I guess HSBC is going to make me earn this promotion by sheer waste of my time.
Product: Mortgage

On or around the XX/XX/XXXX, My brother gave a {$12000.00} cashiers check to Yes! XXXX XXXX for the purchase of a mobile home. 21st Mortgage Corporation, never really explained the documents to me, as I was told that the loan as well as the lease agreement would be in my brothers name and I found out at this time that that was a lie, after they evicted me whom never took up residents at the park, that they state an oral agreement took place in the pursuit of getting the home, and on the loan documents pages 11 and 35 state that there is to be no ORAL AGREEMENTS, they have filed court motions with their legal team stating that this took place. 

We have request the {$12000.00} back as this was clearly a breach of contract seeing that my brothers name was never on the lease as promised would be the case, as he was the one making payments from day one up until XX/XX/XXXX. in which the went over the documents with me thou The reason for this is they have denied documents and I will be filing a lawsuit against them for breach of contract, and filing of these fraudulent documents that their lawyer has provided me clarification and written legal documents he swore under the penalty of purging himself, where he says there was an oral agreement, when the loan documents clearly state in the customers package that no oral agreement shall be made. This is why I am asking to continue, as I am preparing this demand letter for the lawyer and his clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Financial Services is reporting each month that I am at 98 % of my credit limit, yet they charged off this account in XX/XX/2016. Discover sent me a tax statement that they sent to the Federal Government that states this amount is no longer on my account, yet they continue to report this to all three credit agencies every month. 

This has resulted in an incorrect reporting of my account to Discover. I do not have an open account with a balance at 98 % of my limit with Discover, they closed the account in 2016, and charged off the amount, receiving a credit on their Corporate taxes in the full amount they claim I still owe them each month. 

Discover is incorrectly reporting the status of this account, and it should be immediately changed. My credit report reflects again this month that my balance in 98 % of my limit. How can I be at 98 % of my credit limit when there is not longer an account open? How can Discover claim an amount that they charged off and received credit for by the Internal Revenue Service of the United States? 

I want Discover to change this notification to my credit report that states the amount was charged off in XX/XX/2016, and that there is no longer a balance owed on this account.
Product: Payday loan, title loan, or personal loan

I obtained a loan in XX/XX/2021 with Mariner Finance in XXXX, Fl for XXXX account with 21.49 % APR, monthly payment of {$370.00}. At this point I have been paying almost two years, never late and I still owe them {$8600.00}! 
Ive called on multiple occasions to clarify this, as 21.49 percent annually seems more 50 %. 
I cant get out of this debt no mattter how early I paid them, or extra money Ive sent to apply to my principal. Please help!
Product: Checking or savings account

I've been with Chime for well over six months, in there requirements to earn more spot me credit, it will go up every time you have a direct deposit of {$200.00} or more every month! I receive 2 direct deposits every month {$920.00} for SSA, and {$44.00} from SSI! They will not honor their own rules, and further more, continually hang up on our conversations, still refusing to do anything about the issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting requesting help because Transunion continues to report unverified accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITYBANK/KAY XXXX Reports late payments XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was never late and any payment processing issues would have been for technical reasons. I had autopayment setup and never had any issues before. I was not at home during the time of these payment processing errors so I was not aware. I had been in the hospital with XXXX  symptoms while battling other illnesses related to my XXXX  service in XXXX. I have been determined to be XXXX percent XXXX and am really affected by the XXXX  of fighting to get these late payment records removed. They were not mine. I always have money and savings. Please do not hold me accountable for technical issues and health issues. Please show compassion. I suffered identity theft at that time, and its possible that a card was locked by my bank while I was in the hospital and XXXX. I was not aware of any issues. I have paid off the card completely with a large payment months ago. Please don't keep me begging for this to be resolved. Please escalate to a manager that could help me with this request. I am exhausted with this. I deserve to be believed and help. I have paid this debt in full. It clear that I wasn't trying to avoid paying the debt. I have been an exclusive lifelong customer. Please do not punish me for being incapacitated and not ware of the technical issues that may have caused payment processing errors. Also why is XXXX reporting my account as closed? There is such inconsistency here. Even the dates of last update were different on some of the credit reports. Please delete this late payments. They are not the result of me not paying. Its a technical issue that was resolved later than we would have liked.
Product: Debt collection

on or around XX/XX/year> someone opened a credit card account with Citicards, cbna the account was used by the felonious party over the course of almost XXXX after they were done using my identity for ill gotten gains the accounts were allowed to go delinquent A fraudulent bank account with XXXXXXXX XXXX  XXXX also opened and used in this theft. 
I've never had a XXXX XXXX account and I believe there was XXXX associated with this account. I've attached the letter from XXXX supporting this statement. 
I've attached a copy of the police report and Identity theft report for assistance in getting this removed from my credit file
Product: Credit reporting or other personal consumer reports

I disputed all the outdated information on my account and XXXX didnt work on my account to get it cleaned up as I requested. I asked them to remove all the past addresses, names, phone numbers, etc from my account and they didnt do anything. They just closed my request. I had also disputed items that dont belonged to my account, sent them letters, and they didnt do an accurate check ( investigation ), they just told me that everything will remain as it is.