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

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


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 or prepaid card

The last time I used my XXXX XXXX ( # XXXX ) for the amount of {$5000.00} was to pay for my son 's XXXX XXXX XXXX on XX/XX/XXXX which was paid in full over time. Since then I have not made any purchases over {$500.00}. 

I was surprised to see up to {$10000.00} used from my account which had a {$12000.00} credit limit on my card on around XX/XX/XXXX. I called XXXX and told them about the fraud. They said they will check and let me know. I made so many calls and they keep saying they will check into it No one from XXXX Bank called me to verify the large and suspicious transactions or ask for approval. They could see that the transactions are not my typical purchase activity. 

Within the same week the agent said they can't stop the funds being withdrawn. XXXX 's cancelled my card and issued a new card ( # XXXX ). I assumed that the issue was settled. My new card 's credit was reduced. When I spoke to a account manager, she said I am liable for the fraud and have to pay the whole amount. I did not receive any correspondence or calls from XXXX 's since this incident. They refused to communicate with me or my calls to them XXXX has cancelled/closed my credit account in XXXX, XXXX. 

I just received a letter from the collection agency for the amount due. XXXX waited 13 months for the statue of Limitations to expire before sending this letter and a week to respond. They have destroyed my credit rating. They also added interest of {$910.00}
Product: Bank account or service

I had opened a Citigold bank account in XXXX 2016 using a promotion that would give me XXXX XXXX XXXX miles once I 've made 2 bill payments and {$1000.00} in purchases on my debit card. I had confirmed my eligibility of the offer with Citi bank representative while opening the account on the phone. 
I completed the requirements in XXXX but the points did not post. I submitted a secure message in XXXX 2016 and I was told that now I was not eligible for the offer. I had escalated the request in XXXX but still the same response.
Product: Checking or savings account

I placed an order in XX/XX/2023 to a company that I found on an internet site. I found out it was a scam. I immediately tried to cancel, but was told I couldnt. I filed a dispute with my bank as I used a debit card because I didnt receive the item in the amount of XXXX. I was contacted by the company to withdraw the dispute and the would issue a refund. I did and received several fake screenshots of refunds. They told me it was my bank blocking the refund. My bank was not. I received more of these screenshots and then today was told I wouldnt be receiving a refund because the dispute was in their favor, it was not I cancelled it. My bank will not allow me to dispute again because I withdrew the first dispute. Now I am out the money with both left to do.
Product: Credit reporting or other personal consumer reports

Ive contacted the credit bureaus and was told to contact the credit company I finally got a response back from the credit company and I have to contact the credit bureaus ... ..as attached in the letter I JUST WANT MY ADDRESS REMOVED
Product: Credit card or prepaid card

In XXXX of XXXX I used a convenience check offering a 0 % interest rate for 18 month XXXX as I did with several other checks that year XXXX from Capital One credit card. In XXXX of XXXX a finance charge of {$130.00} was added to my account. I had recorded that the terms would not be changing until the end of XX/XX/XXXX. I called and disputed the charges in XXXX. From XXXX to XXXX I spent many days calling to resolve the charges. In XXXX I paid the entire amount owed on the account including some of the finance charges I was disputing ... XXXX {$10000.00} XXXX. In XXXX I was charged {$56.00} and XXXX {$7.00}. I wrote a letter to Capitol One in XXXX explaining that I should have never had ANY finance charges and I would like for them to research it and credit it back. I even paid over {$100.00} in wrongfully charged fees and would like the other fees removed. I received a letter back stating that they submitted my request to the appropriate department on XX/XX/XXXX. Since then I continue to receive late fees and interest charges and there has been no resolution. It has been over two months without another letter or phone call. I tried calling today XXXX XX/XX/XXXX ). I spoke with several people that said they could do nothing. I have read that late fees and interest fees should stop while researching the original dispute ( which never has happened ). Now my balance is over {$200.00} in fees.
Product: Mortgage

We took a line of credit/mortgage with a swap portion with Citizens Bank for XXXX investment properties in XX/XX/XXXX. The amt applied to principal was to have changed every year in XX/XX/XXXX. The principal amt was never adjusted until we discovered the problem in XX/XX/XXXX. We questioned XXXX and after much harumphing and investigating, they agreed that the amount should have been credited to principal. However, they declared that we then owed them {$5300.00} addition ( tho we had paid every bill they sent ) and deducted it from our account. We protested and they returned the money while not agreeing with us that it was not owed. In XX/XX/XXXX they again failed to adjust the principal amount as they should have. We brought it to their attention again and after much " looking into it '' the situation was resolved and the proper amount was credited as was the principal amount shown on the monthly statement. Again, in XX/XX/XXXX they failed to adjust the mortgage amount to show an increase in the amount credited to principal. We again raised the problem and after some " looking into it '' it has been resolved. However, in every case, the rep to whom we are assigned has been totally surprised by the problem and has required several days to " look into it. '' And the original problem, the fact that they failed to credit the principal properly for 4 years and 4 months still has not been resolved. Citizens is a large bank and this should not happen for years running.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian and XXXX that they have incorrect personal information on my reports. I have notified them on XX/XX/2021 XX/XX/2021. Both credit bureaus have fail to update my personal information. I am highly concerned that this may expose me to identity theft. 

I have provide copies of my DL and utility bill that shows my correct address and name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone try to misuse my Personals information and get Autoloan. Below are the 3 hard enquires that are not done by me. I tried to reach out XXXX, Experian & XXXX but they are not removing below 3 hard enquires. Can you please help in removing these 3 Hard enquires from all the 3 credit bureaus ( XXXX, Experian XXXX XXXX ). 
I spoke to finance team at " XXXX XXXX XXXX XXXX XXXX XXXX '' & they told me that someone tried to use my details and get a vehicle & they were able to figure out that it was fraud. 

XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX  XXXX ( Auto ) XX/XX/2022 XX/XX/2022
Product: Bank account or service

Due to a depositing error, a check was returned due to non-sufficient funds from my account. However, PNC Bank is trying to double charge me a XXXX fees. XXXX for non-sufficient funds and XXXX for overdraft. Only XXXX of the fees is appropriate. The other is inappropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked the credit. bureau to disputed these debts that was reported on my credit report the lack of response to my dispute is a violation a 15 U.S. code 1692g which stipulates that debt collectors should provide documentation proving that these are my debts. It's also important to know that reporting of this debt is a blatant violation of the FDCPA 1692g as it was reported to TransUnion even though I did not receive any written notice of it. The reporting of this inaccurate and unverifiable debt and my credit report is also a disregard of FCRA section 623 ( a ) ( 1 ) ( a ) which requires that only accurate information is sent to the credit bureaus. I have attached the dispute letter that I sent to the Credit Bureau that contains the unverifiable debt that needs to be deleted by the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint to all three Credit Bureaus ( XXXX, XXXX, and Transunion ). In XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) posted a ERRONEOUS Collection Account to my Credit Reports ; this is the ONLY Collection Account on my Credit Reports. I have tried DISPUTING this ERRONEOUS Collection Account with all three Credit Bureaus. Upon reviewing my three Credit Reports today, XX/XX/XXXX, I see this ERRONEOUS Collection Account has been updated on XX/XX/XXXX, apparently as accurate, because it is still being reported. On XX/XX/XXXX, I filed a online complaint against XXXX XXXX XXXX through the XX/XX/XXXX ( XX/XX/XXXX ) ... See PAGE 1 of attachment. On XX/XX/XXXX, XXXX XXXX XXXX sent a final response back to my XX/XX/XXXX complaint ... See PAGE 2 of attachment. XXXX XXXX XXXX stated in this final response that they were UNABLE TO VALIDATE this Collection Account Debt. Additionally, they stated, as of XX/XX/XXXX, they will be sending a Record of Deletion to all three Credit Bureaus. Based on the ATTACHED EVIDENCE, IMMEDIATELY delete this ERRONEOUS Collection Account from my Credit Reports. I have supporting Evidence/Documentation for Legal Action, if necessary.
Product: Credit reporting

I received a copy of my TransUnion Credit Report File # XXXX, XXXX issued XXXX/XXXX/2016 and am disputing some items that need to be corrected. I have numbered these disputed items. The reasons why some of these items are inaccurate, outdated information and should be corrected are indicated below. I am requesting the name to be corrected and records removed or deleted : The name XXXX XXXX is spelled incorrectly on the form XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not provide my free credit report through XXXX They are requiring me to pay additional money because they are requiring me to mail something in by USPS and make copies of my personal documents in order to supposedly access my credit report. The other credit bureaus on XXXX have returned my report without any issue. Only Equifax is stonewalling and violation the law and regulations governing free online access to my credit report.
Product: Debt collection

Harvard Collection as place a collection account on my credit report even though I've never been in any business with them. ask for verification of account but hasn't gotten any.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account CHASE CARD which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 open Accounts with Tower loan, due to uncontrolled circumstances I was unable to pay the balance owed on the accounts. however, I was sued and my wages were garnished. The account ended up getting paid in full. on XX/XX/2015 a cancelation letter was mailed out that my account had been satisfied and there was no need to take anymore of my wages. As of today, tower loan is still reporting on my credit report that I have a balance with them and I DONT. I was actually sent refunds for the above mentioned account.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and unauthorized accounts have been added to my credit report without my permission. As per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts be blocked and deleted from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$810.00}
Product: Credit reporting

Equifax is not properly maintaining the accuracy of my credit report and multiple disputes and a prior complaint to the CFPB has not resolved these issues. In fact it seems the more that I dispute and complain the lower my credit score goes. I am convinced that Equifax is intentionally lowering my credit score as a punitive action to discourage me from disputing inaccuracies and complaining to the CFPB. Currently my Exquifax score is XXXX points lower than my XXXX score and a fill XXXX points lower than my XXXX score. It just seems awful suspicious that my XXXX and XXXX scores ( XXXX recent dispute each ) keeps going up as I work to improve my credit and my Equifax ( XXXX recent disputes and XXXX complaint to the CFPB ) keeps going down. My credit scores effect many different aspects of my financial well being and I find this sort of petty vindictiveness appalling.
Product: Credit reporting or other personal consumer reports

My recent consumer report is showing unauthorized and unverified inquiries from XXXX XXXX the inquiry date is XXXX XXXX, XXXX XXXX, XX/XX/2023, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. These unauthorized inquiries are hindering me from utilizing my credit according to 15 U.S code 1602 ( p ) these unauthorized inquiries needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and experian are reporting fraudulent information on my credit reports. i have attached the fraudulent accounts on my ftc report
Product: Credit reporting, credit repair services, or other personal consumer reports

i have items on my credit report that i would like to verify the information on. I would like to dispute the XXXX XXXX XXXX account opened XX/XX/XXXX for {$550.00} dollars, the XXXX account opened XX/XX/XXXX for {$840.00} dollars, XXXX Bank account opened XX/XX/XXXX for {$850.00} dollars. I have disputed these accounts online with credit bureaus. I would like to verify the information on these accounts.
Product: Credit reporting or other personal consumer reports

These consumer reporting agencies are in violation of 15 USC 1681, my right to privacy.

I am a victim of identity theft pursuant to 18 USC 1028A. I never gave verbal or written authorization for these accounts to report on my consumer report. I am also a victim of the XXXX data breach. My personal information was exposed.
Product: Student loan

On XX/XX/XXXX I received an extremely opaque notice ( see attached ) saying that, as a result of a review of my student loans, the overall balance of the loans had been adjusted upward. The letter provided no additional useful details and did not even provide information on the difference between the new and old balances. In a subsequent call with the loan service provider, Pennsylvania Higher Education Assistance Agency, I was told that the upward adjustment of the loan was the result of a realization, four years after the fact, that XXXX had failed to capitalize the interest on one of my loans. They were unable to provide an exact date on which the capitalization was supposed to have occurred but thought it was sometime in XX/XX/XXXX. On the phone, XXXX was also unable to provide more detailed information about the exact amount by which the loan had been adjusted. Based on my cursory review of the loan history, however, it looks to be a difference of approximately {$10000.00}. I find this to be unacceptable, and frankly think there should be some kind of statute of limitations given that XXXX did not realize its own mistake for more than four years. This  completely calls into question the ability of XXXX to manage student loans and to be a good steward of debt owed to the federal government.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX 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, Has violated my Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted you about a bankruptcy showing on my credit report. You responded back that it was " updated '' after your investigation. Now I am wondering if you really did an investigation at all. The information is the same. What exactly did you update? I have already contacted the court and in their letter, they stated they do not provide information to credit bureaus. The court is the original source to verify bankruptcy information. I also looked in XXXX as well. I know that you did not do your due diligence in " verifying '' this information because you have the name of the courts wrong. Can you please provide me with the name of the furnisher you verified this information with, who you spoke to, and the dates you contacted them? I would like to know how and where you verified this inaccurate information that is reported under my social security number on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Financial is reporting an erroneous account that they are unable to validate through numerous requests. I demand removal of this questionable collection account that is being reported to XXXX, XXXX, and XXXX. 

ONEMAIN FI XXXX
Product: Credit reporting or other personal consumer reports

Multiple occasions, I have tried to remove accounts that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a response from Discover and XXXX regarding an ongoing dispute regarding the incorrect pay history/ closure date provided on my credit reports, the issue remains. The credit card balance for this account was paid in full in XX/XX/XXXX and the account was officially closed that same month. The derogatory months for the pay history have yet to be corrected along with the closure date on my credit reports which is inaccurate and false information. XXXX is still reporting XX/XX/XXXX through XX/XX/XXXX as derogatory, then XX/XX/XXXX as an on time payment then closed in XX/XX/XXXX. XXXX is reporting derogatory payments from XX/XX/XXXX through XX/XX/XXXX and then a positive pay history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, then FINALLY closed in XX/XX/XXXX. As seen in the attached credit reports from XXXX and XXXX, Discover is reporting false and inaccurate information. A representative by the name of XXXX from the Executive Office oXXXX XXXX XXXX for Discover, is refusing to correct the payment history and provide the correct closure date for the account. I AM ALSO STILL RECEIVEING MONTHLY STATEMENTS ON THIS CLOSED CREDIT CARD ACCOUNT THAT WAS PAID IN FULL. A complete investigation was not conducted by XXXX nor XXXX from Discover as can be seen by the attachments for this complaint. I also spoke to a representative on XX/XX/XXXX from XXXX on a recorded line for them to review the Discover account confirm that the account was closed, but still reporting a pay history up until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not know i was breached by Equifax. They never sent me anything and now i am having to go through my credit information and call my banks and credit and car companies to see if anything is affected. I have credit monitoring and they failed to tell me this when this took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I disputed XXXX ( XXXX ) inquiries ( XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ) with Equifax communicating that I had contacted each company directly and they could not provide me with any information regarding the above referenced inquires. Equifax failed to investigate the inquires and delete and remove them as required.
Product: Student loan

I enrolled in automatic payments with Navient in XXXX, XXXX however, on XXXX XXXX, XXXX, I received a notice indicating that I was delinquent 2 months worth of payments and that Navient had debited my account ( via the automatic payments!! ) last month and will be debiting my account this month for the past due balance with LATE FEES! I was not refunded late fees after calling Navient and instead they tried telling me that because two different departments set up the automatic payments, one conflicted with the other. 
I also requested a change in my due date back in XXXX, XXXX and again in XXXX and Navient still continues to debit my account AUTOMATICALLY by the first of every month.
Product: Debt collection

On XX/XX/XXXX the company US Bank card services attempted to call me 3 times in less than 2 hours, called after XXXX XXXX and most calls were back to back. This was after I had committed to making a payment on the XX/XX/XXXX. Of {$300.00}. 
On the XXXX they called again several times in 2 hours and would hang up when I would answer. At XXXX XXXX i again received a call and made a payment. I let the man know I did not approve of the consistent calls and to not allow it to happen again. I clarified that they have notes stating when they talked to me and how many times they call and they said they did. Several times they asked why I went past due to which I let them know my Interest was supposed to be 0 for 6 months and it was applied after 3 months. They did not attempt to rectify the complaint. 
Today XX/XX/XXXX I again received 5 calls. One at XXXX, next at XXXX, next at XXXX, again at XXXX and yet again at XXXX. I answered the call and let the person know yet again that they need to stop calling so many times. She stated they have no control over the number of times they call or what times. I reminded her I had just made a payment and would not be able to make a second one right this minute and calling me several times wont change that. I then ended the call.