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

Good afternoon I have student loans that are service by the department of education. XXXX. Originally they did a garnish on my account in where they collect close to {$1500.00} if not more then while they were garnish my payroll I started making monthly payments of {$20.00} which was decrease to $ XXXX  monthly and it has been withdrawn every single XXXX of the month without delays or being late. The department of education continues to show collections activities with derogatory information which is damaging my credit and preventive me to qualify for a home which I am in so much in need for my children. I had tried to speak with them without resolving this matter. I dont think is fair. Yes I do have a student loan debt but it's being paid according upon agreement I do not believe it's fair continue this negative reporting when its incorrect and unacceptable.
Product: Checking or savings account

For opening account promotion, I was advertised to receive {$700.00} for depositing {$50000.00} and maintaining for 60 days. 
-On XXXX, I deposited {$50000.00}. 
-On XXXX 60 days have passed. 
-On XXXX I chatted with Citi representative over the secure chat to check the status of the terms. And the representative said : Thanks for waiting, Upon checking your account, I found that you had deposited the funds within 30days of opening the account and maintained it for 60days as well. 

Please be informed that it takes another 90days for the bonus cash to be posted to the account so it is a total of 150 days from the date of the funds deposition. 

On XXXX I still have not received the advertised signup bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I review my Transunion credit report and notice fraudulent items and inquiries and According to the 1970 fair credit reporting act, these inaccurate and unverified account must be removed ASAP. 
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 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 card

Ive had a XXXX XXXX and can not make payments as of XX/XX/XXXX. Never been late till XX/XX/XXXX! My balance as of the was {$4900.00}. It has increased {$2000.00} with finance fees and late fees! The only income I have is my social security ( Im XXXX XXXX XXXX ). When I did use the card it was for my utilities and groceries and gas! It got to be me making payments ( {$180.00} est ) each month and the fees weee so high that my balance was only dropping a few dollars ( less then {$10.00} ) I was overwhelm led and became XXXX XXXX XXXX XXXX! Im just now getting where I can focus on my future and would like to pay this off with a discount settlement! A hardship payoff if you may! I just want to ask the company if they would take my offer of {$2000.00}. Im basing this on my balance as of XX/XX/XXXX and please consider all the extra interest fees I was paying on in XXXX and that I was always on time with my payments! Thank you very much
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

**Accounts in Question : ** 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 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 This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being rep
orted and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.
Product: Mortgage

My mortgage servicer has repeatedly sent me notices to foreclose indicating I have not sent in payments, even when I have faxed proof of the payments directly from my banking institution. Their failure to appropriately apply my mortgage payments has caused the notices to be sent. I have been sent multiple notices to foreclose this year. I have given Carrington the proof they have required each time-copies of canceled checks and letters from my bank documenting the payments being deducted from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid for 2 accounts that were in collection and also sent them letters to clear all hard inquiries from my credit reports which is affecting me but every time I call they tell me to send them letters again and that they can't or won't remove my hard inquiries I got over 34 inquiries and that really affects my credit score I am working with a loan officer and through his recommendations I'm doing letters to have them clear. But XXXX  employees are to rude
Product: Debt collection

They didn't provide me with the original contract so I would you someone help remove these false informations out of credit report account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently seek your assistance in removing charge-offs with incorrect balances from my credit report. Despite numerous attempts to rectify these errors directly with the credit bureaus and creditors, the inaccuracies persist, adversely affecting my creditworthiness. This is a critical issue that requires immediate intervention. 
Despite these efforts, the charge-offs continue to be reported with incorrect balances. This ongoing inaccuracy is causing significant harm to my financial standing and credit score. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit file, and I am requesting on your intervention to ensure this right is upheld. I respectfully request that you could hepl me investigate this matter and facilitate the immediate correction of these charge-offs on my credit report. Your prompt attention to this issue is crucial in preventing further damage to my credit profile. The following accounts needs to delete are as follows : XXXX XXXX XXXX XXXX XXXXXXXX : {$380.00} ; XXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today I was informed that my credit file was being suppressed because a creditor / collection agency has stated I am not who I say I am. The credit agency is now asking me for a copy of my social security card for which I am already a victim of identity theft HOW CAN A COMPANY ( collection or otherwise ) have influence to suppress and or block my credit account without prior authorization. I have not elected for a freeze that would create this effect. 


This is a violation of the fair credit reporting act. not to mention my rights as a citizen. I am a citizen of the UNITED STATES OF AMERICA. Any information given to credit agencies is then shared with the collection companies even if it is reported as FRAUD with the affidavit and police reports on file. It does not seem as though the credit agency can be unbiased and act with integrity. This is STRESSFUL AND IS a form of discrimination. This paralyzes me to provide for my family and any business that I may be conducting business with.

This needs to be removed immediately.

I will be filing complaints with the FTC CFPB XXXX TEXAS ATTORNEY GENERAL DEPT OF JUSTICE Governor of TEXAS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/XXXX that amount of {$470.00} account number starting with XXXX XXXX XXXX  XX/XX/XXXX the amount of {$1500.00} account number starting with XXXX Social security administration account number XXXX date XX/XX/XXXX for the amount of {$21000.00} XXXX XXXX account number XXXX date XX/XX/XXXX in the amount of {$1600.00} XXXX XXXX account number XXXX in the amount of XXXX date XX/XX/XXXX XXXX XXXX  XXXX the amount of XXXX date XX/XX/XXXX XXXX XXXX account number XXXX in the amount of {$630.00} XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount of {$3800.00}
Product: Checking or savings account

I could not login to my USBank online account. When called I was told USBank terminated our relationship due to Efraud and thats all that could be said. Beforehand 2weeks prior I had opened a checking account with USBank since I have a credit card with them.

Now no word on where my funds are from the checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 a certified letter ( see attached ) was mailed to Experian about the public record reporting negatively on my credit report. In this letter it describes how maintaining this unconfirmed, unverified, and erroneous public record on my credit report has stopped me from obtaining credit and has caused financial damages as a result. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL FURNISHER, they must remove said information from the consumer credit file. I have called the clerk of Court and also obtained written evidence supporting the fact that Experian despite what it says in it 's response letter did not obtain information about a Bankruptcy from a credible original source. Experian continues to maintain incorrect unverified accounts on my credit report but by far this reporting is the more egregious of them all. Experian is in direct violation of Federal Consumer laws put in place to protect the integrity of the reporting process and consumer 's rights to fair and lawful reporting. Experian sent a response letter dated XXXX XXXX, 2017 stating the public record was " verified and accurate '' which is a complete fabrication. ( See attached ) Experian of course will never be able to provide me copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature because it NEVER CAME FROM THE ORIGINAL SOURCE AS THE FEDERAL LAW REQUIRES. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Experian is required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

So Experian must be calling the County Clerk a liar because the evidence is clear that this information was illegally obtained by nefarious ways to malign my good name and credit and is clearly a violation of ethical proportions.
Product: Credit card

I am writing to dispute the existence of a credit card account with your company that has been erroneously linked to my name and information. Despite repeated attempts to resolve this issue over the past two years, the account continues to appear on my credit report, causing undue distress and frustration.

I have never applied for or authorized the opening of a credit card account with Chase credit Card Company. The appearance of this account on my credit report is not only inaccurate but also damaging to my creditworthiness and financial reputation.

I have taken all necessary steps to address this matter, including filing reports with the Federal Trade Commission ( FTC ) to document the fraudulent nature of this account. Despite these efforts, the account persists on my credit report, leading me to believe that there may be an ongoing error or oversight in your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAs stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX  XXXX  XXXX  and XXXX XXXX  Also inquirys on all 3 cresit reports that has expired they have not remove onve account with XXXX  on my credit for a loan amount of XXXX had been paid off and in full the other amount for XXXX also was on there inaccurate never got that money from them they still reporting it was accurate have a email from XXXX  coperate supervisor saying they dont send proof of it been paid off they send emails i have proof of that as well all this happen from XX/XX/XXXX til today XX/XX/XXXX the. All 3 credit reprting agency will not dispute my debt with XXXX  XXXX  and remove it off my credit it was paid in full its hard to get them people on the phone with all 3 reporting agencies they messed my credit score up not giving proper credit to me for inquires being remove n wont dispute credit inquirys im unaware of my last four of ss # XXXX
Product: Student loan

I completed my annual employment recertification form and submitted it to Mohela on XX/XX/XXXX. Today I checked my account to see if my eligible payments have been updated and Mohela canceled my for certification form and says it was duplicate. I have not submitted another employment recertification form, I do this process once a year to have my qualifying payments updated. I have been on the XXXX program for about 6 years now so I am very familiar with the process of submitting my forms and rectifying my employment. I contacted Mohela today ( 6 XX/XX/XXXX ) and the customer service agent had no explanation for why my form was canceled. He told me he would submit it for review but the process is 90 days to review. If this takes 90 days that would mean it would take over 180 days to process my singular form to which I have no switched employers since XXXX. I simply need my payments updated. For some reason they have listed all my payments since XX/XX/XXXX as " employment not certified. '' However my form I submitted clearly shows my employment should be certified. After doing research online others have experienced this same issue of having the form canceled without notification or reason. Others have cited that after calling to ask for a re-review of the form they have a new entry in the documents received section on Mohela with the date of the re-review request. I do not have that at all or any communication other than a verbal communication that it will be reviewed. If there is nothing in my account that flags attention for review, I don't have faith it will get reviewed. My payment count right now says 44 where it should be updated to account for XX/XX/XXXX to present. That is a huge difference in qualifying payment count. It should be an easy update as all I need to show is that one form because I have not switched employers during that time period or since XXXX. I have two issues here- I have no verification that my request to have it re-reviewed is in effect and secondly I should not have to wait another 90 days when Mohela canceled my form. Mohela should expedite this form as its been in the system for over 90 days already and is a simple one page document saying I am currently still employed at a qualifying employer since XXXX.
Product: Debt collection

Ive never been or even heard of XXXX XXXX XXXX XXXXXXXX. I have had XXXX or anything and I never received any bill or anything. I do not owe them
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late in the month of XX/XX/XXXX only XXXX. They are telling me when you they report absolutely not following Federal consumer guildlines.
Product: Credit card or prepaid card

This is regarding a XXXX XXXX Rewards Visa issued by Comenity Bank. The last week of XXXX my card started being declined. I do not have any past due. with {$3000.00} in credit. I have called customer service many times and nobody ever answers. They hang up after 25 mins. Luckily I was able to pay my bill online. The phone number XXXX. This is only number for everything, including fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian boost has been a nightmare, ive had nothing but harassment from experian boost, and recently I receive very harrasing emails claiming no payme to have been reported and they will remove accounts, this is so far from the truth, I exceptional payment history never missing a payment or late, I pay 5 or six times a month on all my accounts, last year they completely erased a valid exceptional account from my credit record I had to fight 90 days to get it put back, they have intentionally messed with my credit score taking away 19 points and giving me 17 in the same day im tired of it I have spoke to my attorney, its all documented, if it does not stop I will file a lawsuit, this is federal and taken seriously, ive enlisted one email of hundred that I have of this harassment, I have all documented, and prove of all payments 5 6 payments a month if needed.
Product: Credit reporting

shows a previous address that I NEVER received mail at, never was a resident.. Do n't even know anyone who has.
Product: Credit card or prepaid card

Capitol One Transaction Support Center XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Account Number : XXXXXXXX XXXX Case Number : XXXX Reference : Erroneous Billing of {$88.00} to be credited back showing the final balance as XXXX. 
Dear Transaction Support Center Manager I am in receipt of my Master card bill as well as your letter dated XX/XX/XXXX. Copy attached I have my version of explanation against yours : 1-Lets say I made a purchase in the amounts as shown on Exhibit # 1 with my Capitol One Card 2-Due to an issue with my purchase I called Capitol One to dispute the charge.

3-Capitol one representative after talking to me called the merchant directly and I received the credits directly from the merchant, eliminating any Capitol One credits as Claimed by Capitol One Evil Genius Hence there is no upfront advancing the money to give me any credits. 
The Exhibit # 1 shows the details that no Capitol One credits were given during my transaction. 
Method # B to prove that your claim of upfront advancing the money is fraudulent : 4-Suppose Capitol One gave me a credit of {$88.00} plus {$4.00} check?? I dont know why? ( Ex # 2 ) I dont know where the surplus came from? nad again yet a demand for {$88.00} 5-Then my account balance should be money available to me of {$88.00} ( after the dust settles ) but it never happened and shows a fraud of {$88.00}. I was very cautious in restricting or stopping all transactions on Capitol One card, which I will close as soon as I settle this matter.

Capitol one is a FRAUD BANK and I will report them to Federal Agencies to take action and shut them down.I need immediate resolution and clearing my account showing XXXX balance and close my account as of today. 
Regards -- XXXX XXXX, XXXX - XXXX XXXX XXXX State of Oregon CC :
Product: Credit reporting or other personal consumer reports

I understand FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you review the documents? Some of the listed accounts have inaccuracies regarding reporting, including inaccurate amounts and dates.