23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a credit card from Bank of America and was offered a 0 % loan from the credit card with a 3 % fee. I took a loan from the credit card at 0 % interest and have been making minimum payments that go to  principal. 

For XXXX, XXXX, and XXXX credit card statements, I have been charged a {$1.00} fee for " minimum interest charge '' that shouldn't be there. Bank of America does not allow me to contact them about this via email or chat, only over the phone. I don't have time to take time off from a work day and sit on the phone with Bank of America for hours, which is what they are counting on by refusing to use email, chat, or secure message for communication.
Product: Student loan

Navient is trying to default my student loans in the amount of {$3700.00} on XX/XX/19. I recieved a letter stating the initial default today on XX/XX/19, which is two days the loans is set to default. I have been in constant contact with Navient in an effort to resolve this matter. I have legal proof that my account can not be declared uncollectable. I have financial statements proving I made these payments that they claim I am in arrearages of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the documentation from XXXX XXXX which states, If you have concerns that a record has been erroneously matched to you and included in your credit report, please contact XXXX to correct the error. XXXX does not match bankruptcy information to consumer credit files for XXXX. XXXX performs this matching. 
Please explain how your company adheres to, 611 5 ( A ) which explains, Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. Please advise who did your Consumer Reporting Agency speak to at the US Bankruptcy court to verify, update, correct, or modify the bankruptcy listed on my credit report is accurate? 
I ask this question because my credit report explicitly states your company got the information from a third party ( XXXX XXXX ) and therefore it may not be accurate. Did a representative of your Consumer Reporting Agency travel or speak to the New Jersey Bankruptcy Court and verify, modify, update, or correct the information in person? 
Please include the documents showing the bankruptcy is in fact accurate, updated, correct, and verified including the entire docket showing this action based upon the law. Please explain how your Consumer Reporting Agency intends to modify the information in the bankruptcy filing. Can your Consumer Reporting Agency modify the information in the PACER Database that XXXX XXXX  used? Can your Consumer Reporting Agency modify the information in the State, Federal or Public records related to the bankruptcy?

Per the US Bankruptcy Court, they do not modify, verify, or update the information for Consumers or Consumer Reporting Agencies. Please advise and share in writing the workflow and documents in place to open the docket to update, modify, verify dispute, and correct information on my behalf with the US Bankruptcy Court as a Consumer Reporting Agency. Please advise why they are listed as a furnisher on my credit report when they dont provide this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me! I sent a letter to the credit bureaus on XX/XX/2023 and haven't gotten a response i would like a reinvestigation! It's still incorrect information on my report! My understanding is 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. I will list the accounts below! 


1. Validate Account XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report.

2. This is a duplicate account DPT ED/XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. This is a duplicate account DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. The following personal information is incorrect DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. This is a duplicate account DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

6. This is a duplicate account DPT EDXXXX Account Number : XXXX Please investigate and delete from my credit report. 

7. XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

8. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX Please investigate and delete from my credit report.
Product: Credit reporting or other personal consumer reports

I don't recall having a contractual relationship with this XXXX XXXX XXXX XXXX Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit card

I paid my full balance of {$140.00} on XX/XX/year> leaving me with a balance due of {$0.00}. On XX/XX/year>, Macys charged me {$2.00} under Purchases, Cash Adv, Fees & Other Debits.
Product: Vehicle loan or lease

Nissan Motor Acceptance Corporation rewrote my loan in XXXX XXXX. I had to send my signed contract and payment to them by XXXX XXXX, XXXX. I did as directed. XXXX XXXX I was getting calls from collections saying I owe a past due of XXXX and I was told my loan was not rewritten. After speaking to XXXX different people it was determined that my contract was thrown out cause I sent it with the money order. But the contract told me to do so. I was then sent a new contract and had to return it by XXXX XXXX, XXXX with my XXXX payment. I did so even though they started the contract from XXXX instead of XXXX. Now I 'm being told that I have late charges and balance due since XXXX XXXX. XXXX has also reported me late since XXXX when I 've been on time based on the contract. I called the company 4 times in the last XXXX weeks. XXXX mamager said she will call me in XXXX hours after research is done, I was a week and was another XXXX kept me on hold for XXXX + min and no one called me back yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to call and speak with any of the three Credit Reporting Companies also known as XXXX XXXX, Equifax and XXXX 

I want my current Consumer Statement removed from all of my Credit Report. I do not want any Consumer Statement on  my Credit Report. 

I want the phone numbers to XXXX XXXX, Equifax and XXXX  so that I and other Citizens can call them directly to speak to them when I/ We discover a problem with my/ our Credit Report.
Product: Debt collection

XXXX XXXX first contact with DIVERSIFIED CONSULTANTS INC. was informed i owed {$550.00}. XXXX XXXX check credit report a collections was added for {$550.00} predated XXXX XXXX, was not on any previous credit reports. I feel my due process was violated by not sending me a debt validation letter for me to determine if it is a legitimate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

santander consumer usa is reporting a closed account as open the account is a old account and should be removed
Product: Credit card or prepaid card

Need help getting my dispute started and solved going through some fraudulent issues
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I received a collection letter on XX/XX/2020 from ERC, XXXX. XXXX   XXXX, XXXX  XXXX, XXXX, PA XXXX and mailing address ERC, XXXX. XXXX XXXX, XXXX, FL XXXX stating that I had an unpaid balance with XXXX XXXX XXXX XXXX in the amount of {$630.00}. The letter was dated XX/XX/2020. 

The letter included payment options, a payment stub, and return envelope. The account number listed is XXXX and reference number, XXXX. The letter states that " This serves as a notice to you the ERC has been authorized to report your delinquent account to the national credit bureaus when allowed by applicable law. '' The letter has my name and address, but I have never had an account with XXXX XXXX XXXX XXXX. I called the toll-free number XXXX on XX/XX/2020 at XXXX and talked with a representative to ask why I had received this. The rep asked me to verify my name and address and last four digits of my SSN. I told him that I would give my name and address because they were on the letter but not my SSN. He then said  that he would read to me the SSN that ERC has on file with this reference number and asked if I could verify. The numbers he shared were not mine and I told him so. He then said that I could disregard the letter because I was not this person. I asked what I needed to do next because my name and address are tied with this account and he told me again to just disregard. Because of this, I have now been placed in the position of questioning whether or not this account will be reported as mine with national credit bureaus and will have to monitor for some months.
Product: Consumer Loan

My mom took out a refinance auto loan with Santander Bank to lower her payments. She passed away on XX/XX/XXXX I 've been making payments to them for XXXX years. I fell behind and all I owe is a balance of XXXX. They came and took the car and I spoke to her about getting it back. She asked me if I had the past due amount I said yes. She then went on to say that she could release the car to me cause she has the authority to release it to anyone she wishes to. But she had to speak to someone and get back with me. I then said ok so when she call me back she asked it I had a death certificate I said yes and then she asked if my mom had a power of attorney I said no. Then she asked if I had gotten a executive of estate I said no cause I did n't know I had to have one. She then proceed on to say that she could n't give me the car back and asked if I had received the letter she sent out withall the extra money iI would need to have in order to get the car back. I said yes she said it 's going to take me XXXX days to get the executive of estate by the date she gave me which was XXXX XXXX, XXXX XXXX in which the car will be auctioned off. I then asked to retrieve my b belongings from the car in which I drove XXXX hour to get and I did n't have the death certificate so she said no. I then came home and called the attorney general office in which she refused to speak with the person who called. So the person told me to speak with XXXX to get a lawyer which I did. And she also told me to make a complaint against them. I have come up with the monies for this vehicle which is book value of over {$6400.00} dollars. I do n't understand why she is being so mean and rude about this situation when I clearly paid for a lot of this vehicle. I 'm going to attach the letter she sent me and. Where she comes up with the amount of the storage fee and days. Also look at what she states about having the monies by XX/XX/XXXX or its going to be auctioned off. Please help with this cause this is the only thing I have left of my mom 's.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I responded to a sublet ad on XXXX on XX/XX/2022 and received a response from a man named " XXXX XXXX '', reporting to be the tenant of the apartment for sublet. I was told by " XXXX XXXX '' that he leases the apartment from the owner, " XXXX XXXX '' and he is currently traveling as a traveling nurse and was looking for tenants to look after his place. This person provided his passport photo and many pictures and information about the apartment, I was able to locate him on XXXX and it lined up with his emails. A neighbor through XXXX informed me that the XXXX advertisement was legitimate. I paid {$1000.00} security deposit through PAYPAL to the landlord " XXXX XXXX '' on XX/XX/2022, with a text response letting me know I would receive the keys and payment receipt and an accompanying email from " XXXX ''. I received neither and stopped receiving messages from " XXXX '', however, " XXXX '' continued to email with me, until I went to the building on XX/XX/2022 ( despite being told I would not be able to go inside ) and saw that the actual tenant was named XXXX XXXX, with whom I confirmed that I had been scammed by " XXXX '' and " XXXX ''. 

PayPal declined to resolve my complaint after I learned it was a scam/fraudulent transaction. 

The money was transferred via scam through PayPal and I demand a refund immediately from PayPal.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NC 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  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$1600.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2200.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} CREDIT COLL Original Creditor : XXXX XXXX XXXX Balance Owed : {$170.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Owed : {$280.00} XXXX XXXX  SERV XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} 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 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
Product: Credit reporting, credit repair services, 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 XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I contacted Global Payments Check Services LLC several times to send me my consumer report. I have mailed out requests and requested it via email and fax. They have not responded. I am requesting my consumer report from them as per the FCRA. I have attached my mailing address which is XXXX XXXX XXXX XXXX PA XXXX. I have attached documentaion verifying my ID and my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2016 Balance {$18000.00} Status Accou FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, AZ XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit card or prepaid card

I filed a credit card dispute for suspected fraud payments with the Fifth Third Bank on XX/XX/2022. The dispute case number is XXXX. On XX/XX/XXXX and XX/XX/XXXX, I received 2 letters from the Fifth Third Bank that the dispute has been resolved in my favor and the credit has been applied to my account. Please see attached letters. 

I didn't make credit card payments from XXXX to XXXX as the charges were in dispute and the dispute was resolved in my favor. 

However, the Fifth Third Bank has sent my account to the collection agency for late payment and it has significantly impacted my credit history. I am getting harassed every day by phone calls from collection agency. I have spoken several times to the customer care representatives of Fifth Third Bank and have met Bank Managers and Regional Managers, and all representatives have tried to resolve the issue by filling internal complaints. A Bank Manager informed me that it seems to be a technical error that although the charges have been cleared but the balance is still outstanding. 

The collections proceedings should stop as the charges were in dispute and the now the dispute has been resolved in my favor. The Fifth Third Bank should be penalized for harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry CredcoXX/XX/2019. Please  investigate and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion made an announcement stating that " Starting XXXX XXXX, XXXX, all medical debt less than {$500.00} will not appear on credit reports '' Transunion violated FDCPA laws when they failed to investigate disputes I filed against the medical debt collection agency XXXX XXXX. Transunion only verified a XXXX digit code with the collection agency and failed to adequately investigate disputes filed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 


Not only has the negligence to thoroughly investigate disputes of the invalid debt negativity impacted my credit score, it's caused damages ofno less than {$2000.00} in incread apr on loans and lines of credit over the 4years and 8 months of the invalid debt remaining on file. 

Dispite agreeing to remove all medical debt from file that's {$500.00} or less by XX/XX/XXXX this {$110.00} collection remains on file.
Product: Credit card or prepaid card

I was targeted and discriminated against by capital one credit card company. They placed my account under fraud for the capital one credit card. The reason being that I my account was place indiscriminately under fraud is because of declined payments. At not time was there any complaint about the accounts or any outside contact stating the accounts I attempted to use were fraudulent. The only reason accounts payments did not go through is because of the pandemic and struggling with lack of income and when attempted to make the payments truly believed monies would be in the account but have had several delays form unemployment claim. Capital one even denied payment my husband attempted to make for me through his saving account even though the money was there. they denied me being able to pay balance with debit card due to being labeled fraudulent. Have made it very difficult to resolve the fraud label and did attempt several times to resolve there issues. And then finally closed my account stating i did not uphold to the ethics standard they set. This has negatively affected my credit, my ability to purchase reliable transportation and qualify for credit needed. As well as this situation has caused me humiliation at being labeled fraudulent / also pain and anguish at nt being able to understand why they are calling me a fraud when did nothing wrong other than have struggled due to national pandemic and issues beyond my control with my unemployment claim being paid out on time
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my personal identification have been stolen. Drivers license, social security card, birth certificate. All of my personal information have been changed with XXXX. A seven year fraud alert have been placed on my report. I 've spelled my name as XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX is my maiden name. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX oldest child name is XXXX. XXXX XXXX XXXX XXXX His birthday isXX/XX/XXXX. My youngest child name is XXXX XXXX XXXX XXXX birthday is XX/XX/XXXX. He was born at XXXX XXXX in XXXX XXXX. He have a XXXX XXXX & he 's a XXXX XXXX. XXXX have been taken advantage of because of his XXXX, by the XXXX Family & others. The FBI told me to pull my credit report, because it 's an inside job. A monitoring service have been added to my report, to prevent me from pulling my report. I was also told to pull all of my tax returns. Because my date of birth have been changed, my employers have been changed. Social Security have written me a query with all of the EIN numbers of my former employers from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I filed Bankruptcy. The property at XXXX XXXX XXXX XXXX had been refinanced by The XXXX XXXX inXX/XX/XXXX without my knowledge. A series of people was linked to me with U S Bank Mortgage. In XX/XX/XXXX someone reported a fraud XXXX XXXX to IRS. They used The Department of Labor FIN number was used. The property had been turned over to Tennessee Housing Development. The property was sold for {$18000.00}. Yet {$35000.00} was reported to IRS. XXXX XXXX XXXX reported to XXXX I owe for their service. I was no longer in the home. I was forced out of the home. I was n't involved with the selling of the home. XXXX XXXX XXXX and all of her children abused XXXX XXXX XXXX services. My late father social security number is being used. The late XXXX XXXX have been deceased since XXXX. My mother social security number is being used, she has been deceased since XXXX. XXXX XXXX XXXX is my mother 's name. I reported this to XXXX XXXX XXXX years ago. At the time I did n't know my credit report had been tampered with, in the way that it have been.