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

In XXXX my identity was stolen. I reported it and froze my credit immediately after. Transunion, however, allowed the perpetrator to unfreeze my credit shortly after. I created a transunion account to keep track of whether or not my credit stated frozen, and they forced me to provide credit card information to create an account. It wasn't clear that they were going to automatically enroll me in credit monitoring services. I found the transactions on my credit card in XXXX. 

Transunion should be ashamed of themselves. These companies use our personal information, force us to go through significant barriers to freeze our credit, and then instead of allowing me to make sure they don't make more mistakes, they charge me XXXX a month. This is ridiculous. I'm XXXX XXXX with 17 years of service, and this is how I'm treated. These companies need to be shut down.
Product: Debt collection

I received notification today that a collection was added to my credit report in the amount of {$630.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports This is a violation of my rights and I want this alleged debt removed from my credit report immediately
Product: Credit card or prepaid card

I received a letter from Comenity Capital Bank, regarding me to finish processing my XXXX XXXX credit card application. I called the XXXX number on the letter, which connected me to a female representative with the Account Protection Team. At no time did the representative mention that the conversation was being recorded, which was unusual for a member of a loss/fraud department. I explained that I did not open a credit card application and wanted to know how, where and when the application was opened? I was told she wouldn't be able to until I provided her with so information. The representative asked for the number below the date on the letter, which I provided. Next, she asked that I verify my first and last name, along with my address which I did. Next she asked for my DOB and SS number. I asked why and she indicated that she needed it to verify my information. When I refused, she provided me with an XXXX number to an unspecified credit bureau and disconnected. Prior to receiving my letter, I received no credit alerts from any bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$15000.00}
Product: Credit reporting

XXXX of XXXX pulled my credit on XXXX/XXXX/2015 from minimum XXXX banks and other institutes without my authorization. I called XXXX of XXXX, XXXX TX XXXX to remove the inquiries on phone, they said I should ask Credit Bureau, when they will contact ask them, we will ask them to remove. 
I spoke to XXXX credit Bureau, they told me to contact the company who pulled the credit file, or I call individual company. 
My credit is ruined by these marketing guys, My son XXXX years old goes to XXXX, he is on XXXX, I am trying to get a vehicle XXXX but due to many unauthorized inquiries and negative impact on credit report I am declined for that and also for other financial help I try to get some loan. Please help me I am not able to deal with big companies they do n't care and do n't want to listen what I am saying. For me and my XXXX son its very important to remove from my credit repot. 
I would appreciate for your kind help, you can see in attached lists how they have pulled my credit report. Not only me but my XXXX ( I am XXXX ) family and specially my son who is on XXXX student at XXXX ( XXXX XXXX XXXX ) who really needs transportation and van XXXX, due to too many unfair and unauthorized inquiries. 
I have attached XXXX files, includes all XXXX credit Beureaus
Product: Credit card or prepaid card

I'm not an expert on this, but I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting

I had a XXXX account in XX/XX/XXXX. It was first reported delinquent in XX/XX/XXXX. The account was paid and should have been removed from my credit bureau in XX/XX/XXXX. ( 7 years after it was first reported delinquent. ) It is STILL showing up on my credit bureau in XX/XX/XXXX ... 13 years later. This needs to be removed from all XXXX credit bureaus ... XXXX, Experian and XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

They called my phone several times. I dont have an income I dont work, I am on medicine. I lost unemployment, I am about to loose my apt , because lack of income. I am not receiving food stamps. They called me saying that they are investigator and they coming tov My house. They said they reporting me to authorities. I told them to stop calling harassing me. I dont have anything.
Product: Mortgage

On XX/XX/year>, I emailed Roundpoint explaining that XXXX ) they kept sending sensitive, important mortgage closure documents to the mailing address of the home I just sold instead of my new mailing address ( even though I updated my mailing address with them ), and XXXX ) there were discrepancies between the mortgage payoff and escrow details that they shared with me vs. what they shared with the closing title company ( XXXX ). I immediately received an acknowledgement of receipt email from Roundpoint, but have yet to hear back from them. 

Additionally, the title company, XXXX, has been trying to get the escrow/tax payment information from Roundpoint for over a month now, but Roundpoint is unresponsive. Whenever they did respond, their feedback was inaccurate and insufficient in providing the requested information.

Lastly, in a previous communication with Roundpoint, I expressed why/how they erroneously reported a late payment on my credit report. If they would simply review the recorded phone calls, then they will see how their support team misled me ( and even told me to not make a payment ) as I was a starting a repayment plan due to being impacted by a layoff at my old job + I was anticipating selling my home.

It has been a complete nightmare working with Roundpoint as they do not demonstrate that they are able to correctly, responsibly and thoroughly manage their business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts : ED/XXXX  # XXXX, ED/XXXX  # XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX has violate 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My credit report shows unauthorized hard inquiries, violating 15 USC 16c-2. These entries are incorrect and hurting my credit. Kindly delete them promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account and shortly I was denied. I dont understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need thee items deleted from my credit report. XXXX/XXXX  XXXX {$700.00} XXXX XXXX {$3500.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX   XXXX {$320.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$220.00} XXXX  XXXX {$4500.00}
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account
Product: Credit card or prepaid card

I made a purchase at XXXX and had a disagreement with manager policy and called XXXXXXXX XXXX XXXXXXXX XXXX to get purchase freeze until I can return phone card back to them. 

The person in Departemnt which I asked to do refused saying this was the companies XXXX XXXX policy to so. 

so with this being the case I would like and investigation.
Product: Prepaid card

Im a parent utilizing step up for XXXX  for my XXXX XXXX child. They are forcing parents to use USBank cards. Its not something we were given the option to use and now their VP XXXX XXXX sits on the board of directors. There were guarantee of being able to move the funds via XXXX to our checking accounts which isnt the case at all.
Product: Debt collection

I was contacted repeatedly and harassed to the point of tears by an agency trying to collect on a cc debt from 1997. I honestly do n't know what they are referring to, but when I said I would need to speak to a lawyer, the woman accused me of fraud and said they would sue me and garnish my wages immediately. That it was too late for a lawyer and that I needed to make a promissory payment to stop the lawsuit. I told her I do n't know what she 's talking about, but she had my social security number and said it was my debt. that I owed over $ XXXX but they would settle at {$3800.00}. And that they would only settle if I made a payment that same day. That the judge " will laugh '' at me and it was too late to get legal counsel. That they were already " in the XXXX courts system '' and I would have to pay the full amount they are already in the court system suing me for if I did n't make a payment of some sort immediately. They scared me into tears ( especially since I was n't sure about what they were referring to ). I asked if they could send me a written explanation and she said " it 's too late for that, honey. '' And that I had to pay or they would put a lien on my bank account immediately. I was shaking and stressed ( especially because I am a single mother and student with limited income ) and they threatened me into compliance. They said I needed to take a loan out on my XXXX and if I was unable to do so, that I needed to send them a copy of the denial letter from the bank otherwise the case would continue in court. Because at that point I was completely unaware of my rights, and because I definitely do n't have $ XXXX to dish out on some obscure debt attached to my social security number, I authorized a {$300.00} payment just to buy time, get my bearings and contact a lawyer. Once I spoke with a knowledgeable person, I immediately put a stop of payment and realized that their whole operation is clearly a scam. I am taken aback at their skillful tactics in convincing me I had no choice and I was bound to a debt I have no recollection about. If indeed there is a debt from 20 years ago, it is way out of the statute of limitations to collect at this point. They have not received any payment from me, as I put a stop of payment immediately as well as closing my bank account so they do n't illegally withdraw money. I sent a certified letter asking them to stop harassing me. I 've also told them on the phone since then to stop calling me but they keep calling!! I keep blocking their calls from multiple lines, but apparently they have many lines they can call from. They caused a good week of tears and sleepless nights because I could n't believe how aggressive and manipulative they are. And I am still dealing with them because they wo n't stop calling! I have no idea what this debt is. It 's XXXX years old and I would really appreciate if you were to investigate this super shady basement operation they have going on. I have screenshots of their multiple calls made after I told them to stop. I can send them to you if you wish. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment History is incorrectly reported. My credit reports state that I have not made a payment to the account since XXXX of 2022. This is incorrect. I have attached my payment history from the company website.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off SYNCB PAYPAL I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness.

2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information.

Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have Inaccuracy on my credit report after multiple disputes letter sent informing them about the problem. 

From my understanding is that the XXXX XXXX Format is the industry standard for reporting accurate, complete, and timely information. The Item of Information should, but does not, accurately and completely paint a truthful picture and such consumer reporting fails to meet the maximum possible accuracy which is the industry standard.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

We had a credit of {$100.00} on o ur American Express Optima Platinum Card  ending in  XXXX . Called the company on  XXXX / XXXX /  XXXX  , and asked them to send us a check for that amount. They told me they would do so. I called again on  XXXX / XXXX /  XXXX  , because we had received the check, and inadvertently shredded it with some other credit card offers, so I told them that I would need a new check issued to us in the same amount. They told me that this would be no problem. Please note that the card with the credit issued was under my husband 's name of  XXXX   XXXX   XXXX . I also have a card with  American Express e nding in  XXXX , and my name being  XXXX   XXXX   XXXX . Please note that when I contacted this company, I called from my home number which was verified b y American Express, an d the check was going to our home address in Pa. I received another letter from them dated  XXXX / XXXX /  XXXX  , stating that a stop payment was put on the check that I inadvertently destroyed, and a new one was issued. I received another letter  from American Express  dated  XXXX / XXXX /  XXXX  , stating that they issued the check on  XXXX / XXXX /  XXXX   for {$100.00} and to please disregard any other communications that I received from them. I called them again on  XXXX / XXXX /  XXXX   to tell them that we still had not received our check. They proceeded to tell me that they had to speak to  XXXX   XXXX  because the credit card that had the credit balance was issued in his name. My husband got on the phone and proceeded to tell them that they could speak to me regarding anything that has to do with credit cards, etc. They gave us a line that the check was going out that day! I told them that I wanted to be contacted by a supervisor, and they proceeded to tell me that no supervisors were available on that date, and that one would call me back with in 24 hours - th at never happened. On  XXXX / XXXX /  XXXX  , and   XXXX   XXXX  ., I call ed American Express from o ur home phone, and asked them where our money was. I got no where with a customer service person, like usual, and spoke with a supervisor that I waite d 10 m inutes for named  XXXX , who told me that he had to speak to my husband. It was  XXXX   XXXX   XXXX  ., and my poor husband was sleeping. I was the crazy person who was up and going nuts over the lines of baloney they gave me when it came to the money that was owed to us. He said that I would have to call back because he could n't give me any information regarding our account. At this point, I got so mad that I hung up on him, and once we get our money, if we ever get our money, I will close that account.
Product: Consumer Loan

Hello, I purchased my car from XXXX XXXX via Huntington National Bank financing on XXXX XXXX, 2012. It has recently come to my attention that my interest rate was not a reflection of my credit score at the time of purchase but rather an unfair Increase in order to make a greater profit from me. As a woman, with very little knowledge and experience about car buying I feel taken advantage of from XXXX XXXX and Huntington Nation Bank. 

At the time of purchase my credit score was about XXXX and my interest rate for this loan was quoted and charged at 9.50 % APR. I think this rate is too high for my credit score at the time and XXXX XXXX and Huntington National Bank used unfair credit practices towards me. 

Thank you, XXXX XXXX OH, XXXX XXXX XXXX
Product: Student loan

I was a student and was not given the opportunity to a fair payment plan. At the time I was forced to have my parents wages garnished even though they were a co-signer and never once gave me a payment plan. I was currently in school full time. I was told the only option I had was to have my parents wages garnished even thought it was my loan and I was working and wanted my wages garnished because the payment I could afford. I never even received any communication that they were my true lender. I was not provided any documentation that this company truly owned my loan. To this day I go on their website and its nothing but a portal to make a payment. My parent was forced into signing wage garnish documents and all contact was harassment via telephone. The documents wer the XXXX XXXX XXXX XXXX XXXX XXXX a Delaware statutory trust.
Product: Student loan

This is the XXXX complaint that I'm filing with your organization regarding Nelnet ( Complaint Number XXXX ). I received an email from your organization stating that my complaint has been forwarded to Nelnet regarding account # XXXX. Since I received the email from your organization, Nelnet has sent my account to the credit bureau and now my score has decreased by XXXX points. I applied for the XXXX Program which I stated in my previous complaint against XXXX. Nelnet has and is processing my XXXX loan # XXXX under the XXXX program but has not processed my XXXX loan which is attached to the XXXX loan under the XXXX program. It is stressful dealing with this matter since you can not get through to them without being on hold for long periods and they don't offer weekend hours. Also, they don't respond to the emails, especially the XXXX emails that I have repeatedly sent regarding the erroneous processing of loan # XXXX. I want my loan to be processed under the same program that the other loan is being processed since I applied for the XXXX program for both loans. This is truly incompetence at its best, failing to acknowledge a program that the customer has applied for, failure to comply with the guidelines that adhere to resolving disputes, and failure to communicate. Sending notices to the credit bureau without solving or addressing the issues is a sign of the inability to fairly handle the processing of student loans. I don't know who else or what other agencies to complain to about Nelnet 's unfair tactics and incompetencies but Nelnet needs to be held accountable.