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

I requesting the removal of XXXX XXXX from both Equifax and XXXX credit reporting. As XXXX found XXXX XXXX unverifiable and inaccurate and decided to remove it from their system and no longer on my credit report with them. XXXX reports conflicting details than that of Equifax, raising concerns about its validity, especially considering potential errors from the XXXX Equifax data breach and the XXXX XXXX XXXX data breach. This situation is worthy of removal based on the integrity of the entire credit reporting system.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I contacted the company, Greensky and inquired about the {$110.00} interest charge on the 1st statement. Payment for XXXX  services were rendered on XX/XX/2020. I received the statement on XX/XX/2020,  showing the interest charge of {$110.00} and a minimum payment due of {$190.00}, due XX/XX/2020 for services. I was informed that it is prepaid interest, because my closing date is on the XXXX of each month. 
I explained to her that didn't seem right, she explained to me that is how Greensky does things. 
I then asked her about the Promotional Expiration Day of XX/XX/2020 that was printed on the statement. She responded said that no longer applies. 
I asked her who regulates her company. She said that was good question and put me on hold to get the answer. 
She came back on the phone and told me that they were regulated by the FDIC. She also said that the interest amount was not interest, but a part of my payment because of my closing date falls the XXXX of each month.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> the items below have been re-inserted into my credit file. You are required to notify me within XXXX ( XXXX ) days of reinserting a previously deleted item

( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action! This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and Equifax have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Product: Debt collection

I received a statement from Capital Accounts stating that I had an account with XXXX XXXX. I do not, nor have I ever owned any vehicle that was serviced by XXXX XXXX. The vehicle that was serviced by XXXX was owned by a corporation XXXX XXXX Any account that would have been created between XXXX and would be the responsibility of the business and not me as an individual. 15 US C 1681 s2a Reporting Information with Actual Knowledge of Errors 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 information is inaccurate. Checking the vehicle registration with the VIN number would confirm that information. Capital Accounts failed to accurately verify that I and not a business was responsible for this debt.
Product: Credit reporting or other personal consumer reports

I checked my credit report and it's showing some inaccurate accounts that I have no idea about. Please check the documents I've sent as it's regarding this important matter.
Product: Credit card or prepaid card

I had a Bank Of America credit card account for several years and always made my payments on time using their online payment system. XX/XX/2017 I went online to pay the full amount off and instead of using my personal bank to make the payment ( which was the one confirmed in the system ) they used another BOA account I held jointly with an ex which was closed. The system then defaulted to this account and then my reoccurring payments got bounced back as well. They apologized and admitted it was their error. I worked with their tech team to reset up the bill pay and they confirmed they would take what was posted to my credit report off but never did. Then come to find out the system again defaulted to this old card instead of the my personal bank and the situation happened all over again. I sat with a tech person AGAIN and got it set up and payments back up. He apologized and acknowledged it was a fault with their system. Through this whole process they have been charging me late fees and posting to my credit report. I just sat with them on the phone again, for hours, and they said they cant confirm fixing what was posted to my credit report. Now my credit has dropped XXXX all due to their reports when this whole issue is a fault with their online management system.
Product: Debt collection

I have contact Aldous & Associates several times regarding this debt since XXXX, i informed them that the debt isnt mine and it was removed from my credit, but later put back on in XXXX of XXXX. I have informed them that i did not co sign a rental apartment and my identity XXXX have been stolen and i had taken steps to freeze and lock my credits. The debt isnt mine. Aldous has not sent me a letter verifying that i owe the debt and they have been blowing up my phone. I have tried to contact them over the phone to let them know to send me a verification letter but they have not.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and EQUIFAX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7300.00}
Product: Checking or savings account

XX/XX/year> I received a email saying my account is temporarily frozen and to call immediately. I called them within a hour of the email, The representative told me my account was investigated and was being closed and the money was being sent back to where it came from. I asked for more information and didn't receive it. I hung up and called again, This representative told me the same, but added that my account was closed because they couldn't verify one of my deposits. Which was from a student XXXX XXXXXXXX from the united states government. I told them I could provide proof, and the woman just said we are going in circles, your account will be close and we are going nowhere. when i asked to speak to a supervisor she just sat silently and was treating me like a criminal who stole money. I said nothing rude, and used no profanity yet she tried to say if I used profanity she would need to hang up. I told her I haven't used profanity and after that she didn't speak again. Both staff were completely rude and unprofessional. 

These funds were a XXXX XXXXXXXX that I transfered from my fidelity account to sofi.
Product: Credit reporting or other personal consumer reports

I'm REWRITING to complaint to COMENITYCAPITALXXXX about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The XXXX report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. XXXX  that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Product: Credit card

i paid off this high interest credit card with XXXX  ( Continental Finance ) in XX/XX/XXXX- in XXXX XXXX I received a text alert to make a payment immediately to avoid a late fee so i was confused because i did not have a balance. Upon checking my statement I saw that they charged a XXXX XXXX  monthly maintenance fee. I went back through all past statements and did not see this fee being charged. So I called up the credit card company on XX/XX/XXXX at XXXX XXXX  to inquire. I asked when did they start charging this fee they said they always did and I said I have never seen this fee being charged before. The rep put me on hold and then came back and said they started charging a XXXX XXXX monthly maintenance fee in XXXX after I paid off the card. I said why a monthly maintenance fee on a XXXX balance card and did you send me notice that you would be charging that. The rep put me on hold again and then came back and said they never sent me notice. I told them that I believe that is illegal and unethical. I spoke with XXXX ( they only give a first name ) and she said her XXXX Id is XXXX. 
I now received another statement charging me the XXXX XXXX monthly maintenance fee again and now an annual fee of {$120.00}. 

please help i want to close this card but they keep putting fees on the card to keep preventing me from paying it off and charging a 35.90 % interest rate. 
the credit card policy does mention a monthly maintenance fee after the first year but i have never been charged a monthly maintenance fee after the first year. Also the policy says {$99.00} annual fee not {$120.00} like they charged me. 

thanks. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX, XX/XX/1996 This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Ive sent out certified letters to XXXX XXXX XXXX for a collection account thats reporting {$840.00} of false debt!! I have never received any info on this debt! They will not respond to my letters! maybe because their physical address theyre reporting is a non deliverable address and so I have sent letters to their P.O. Box and someone has picked them up but Im afraid that the P.O. Box is someone elses and now they have my SS number and full name as well address!! The post office screen said INVALID address for their physical address!! I wasnt aware of this on my credit until This XX/XX/XXXX! all this time this false collection company is reporting inaccurate information!! Ive asked for documentation with my signature but have yet to receive anything!!
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. 
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, has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Webster Bank continues to use the Available Balance for determining any Overdraft fee. This continues to make hardships as whenever I try to track down why something created an overdraft fee, I need to call the customer service line or wait for the branch to research why a fee was assessed as it never shows in my statement. This occurred again on XXXX and when I reached out to my back, I spoke with a XXXX XXXX, the contact center XXXX ( employee number XXXX ). When I explained to him my frustration, his response was to refuse to refund me the fee and to escalate because, to him, the transaction was not a bank error and I need better account management. I will be once again contacting my bank, however, as this has been a continuous issue, I also wanted to file this complaint as due to this issue, I expect that I might be receiving overdraft fees again even though I have attempted to cover the difference in my available balance. I also know that part of the hesitation in returning the overdraft fee is that it comes out of the branch 's budget. However I should not have to pay for this. I've attached my statement in regard to this.
Product: Credit card or prepaid card

2021 XX/XX/XXXX Prepaid MasterCard was declined during an attempted purchase at a grocery store ( XXXX # XXXX in the amount of {$60.00} ). Available balance should have been {$13000.00} at this time. However, account is blocked, so I am unable to check my balance. 

2021 XX/XX/XXXX Received a voicemail concerning my prepaid MasterCard and a transaction attempted that they wanted to verify with me, and requested that I call the number on the back of the card. However, they have failed to answer my numerous telephone calls. 

2021 XX/XX/XXXX Mailed a letter to Netspend, Customer Service, XXXX. XXXX XXXX, XXXX, TX XXXX. Failed to receive a reply. Unable to contact a customer service representative. 

XXXX  XX/XX/XXXX Mailed two more letters, one to Netspend and one to Skylight ( another name on my paperwork, but with the same address ). Certified mail tracking numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

XXXX  XX/XX/XXXX Mailed two more notarized letters, certified mail tracking numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXXXX/XX/XXXX XXXX to XXXX XXXX XXXX, XXXX, TX in an attempt to meet a customer service representative in person. " XXXX '' was listed in the building registry in XXXX XXXX, but not " Netspend ''. XXXX XXXX was empty, the lights were off, the door was locked, and there was no answer at the door. The security officer informed me that Netspend had vacated the building about a year ago, and Netspend refuses to share their new location.

I contacted the FDIC, who directed me to file a complaint with the Consumer Financial Protection Bureau ( here ). Also from my conversation with the FDIC, the relevant banking institution may be XXXX XXXX  XXXX  XXXX XXXX.
Product: Student loan

I have been trying to make a payment through my XXXX XXXX XXXX XXXX since XX/XX/XXXX and have just now, as of XX/XX/XXXX of XXXX show that my payment was accepted by MOHELA, however, we are now nearing the end of XXXX and no changes have been made to my statement and my statement still shows that Im past due. I have made several attempts to clarify this situation and amend it but no luck.
Product: Prepaid card

Upon the direction of a BlueBird customer service rep. we deposited {$120.00} into a XXXX ATM with expectations of it being deposited onto our BlueBird card.After doing so we were instructed that is not an option.We contacted XXXX to have this issue resolved and they instructed us that we need to have BlueBird open an ATM dispute, so we did. BlueBird has told us that they are not willing to help, we have the phone conversations recorded.BlueBird has refused to help us file a dispute to regain the money their representative is responsible for us losing and has ignored all our requests to resolve.We faxed the documents they requested from us, a description of the issue and time and date and have fax confirmation.They asked if we had a copy of the receipt, upon us telling them we do n't have XXXX they insisted on a receipt as a way to pass blame. We have make no less than XXXX phone calls to BlueBird which is a part of American Express and sent XXXX faxes to them and they refuse to help in any way.
Product: Debt collection

My husband received an affidavit of renewal of judgment few days ago. It so happened that I pulled our credit report because we are looking into buying a house, well on that credit report it shows that its been satisfied since XX/XX/XXXX. We 've paid this off. So now we are being sued.
Product: Debt collection

requesting validation of debt. They reponded with medical records, a DIRECT violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPPAA form authorizing access to any such medical records.

15 usc 1692b ( 2 ) - unauthorized use of credit by a person other then a cardholder who does not have authority for such use and from which the cardholder receives no benefit
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to see if I can apply for a loan on wellsfargo website, then ran a credit check without me applying for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX Open XX/XX/1XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Sincerly XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I do not have any documents with my signature with any of this companies.
Product: Credit card or prepaid card

Credit karma said I had cards approved to help my credit I applied and the kept hitting my credit report, and then denied,
Product: Student loan

Navient charged me interest during civic yrs but direct loans did not Navient said I cant get income diriven program I had to pay their amount Navient said I gong qualify gif any help just gave me forbearances and charging me lots of interest snd capatalization of interest Navient keeps harassing me to refinance my direct loans to them. They said they can help me after I refinance all loans with them only Navient keeps calling XXXX days week multiple times a day and calls XXXX XXXX at times I have XXXX XXXX and cant take these calls XXXX XXXX harassment of giving them my XXXX direct Loans added to the XXXX I have with them TheXXXX XXXX XXXX XXXX  charging me interest during COVID and harassed me for repayment. I said I have no job! No income, XXXX XXXX XXXX XXXX XXXX XXXX and they just kept adding interest! I owed approximately XXXX in loans and now XXXX with interest. XXXX XXXX and in XXXX XXXX and afraid to answer my phone as they wont help me and I dont want to lose my home of 35 years. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and TransUnion are reporting inaccurate information on my credit file regarding XXXX XXXX XXXX. 

TransUnion reports the Balance {$780.00} and the date the account was opened was XX/XX/2019. This is inaccurate information. They also list XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. # XXXX. 

XXXX lists XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. 

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). TransUnion, XXXX, and XXXX are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts posted to a person 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see the Verifiable Proof of an original Consumer Contract with my Signature on it for XXXX XXXX XXXX. You can't provide one because NO CONTRACT exists. In addition, XXXX XXXX XXXX lists XXXX XXXX  XXXX XXXX XXXX as the original creditor. This isn't the accurate name of the original creditor and I never gave my consent for any of these companies to share my data. 

One of these companies has fraudulently reported that the business address for the storage unit is my personal home address. This is false, misleading, and I don't think a business should be able to dictate to a credit reporting company where I lived or did not live. 

I am not liable for this debt. I never signed a contract with XXXX XXXX XXXX and have been harassed by their constant calls and damaged by their fraudulent reporting of this debt. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. I have asked multiple times for validation and received nothing. How are the credit bureaus validating this?
Product: Student loan

I just got off the phone with Navient, better known as the student loan servicer from XXXX. They call me repeatedly about being behind on my private student loan. I have been reaching out to them every since XX/XX/2018, before the loan increased from XXXX to XXXX to let them know that I am currently unemployed and am unable to keep up with this loan increase. Their reps responded via phone stating that their guidelines now require them to deny anybody a income based program offer if the payment increase is below XXXX. I am tired of being harassed by them with automated phone call. They call me daily at XXXX XXXX   saying by recorder please call XXXX and they can help. However, when I call them, they are unable to help me. I just spoke to XXXX on XX/XX/18 and she told me the same thing however she told me about forbearance which I was never notified of. They probably have more programs but are not offering them to consumers.