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

Creditor : XXXX XXXX XXXX XXXXXXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX  ( Original Creditor : XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account
Product: Credit card or prepaid card

I had an XXXX XXXX/Synchrony Bank account that was paid in full and closed After sometime had past Synchrony Bank took upon their self to charge off an account that was already paid off and closed. 
I had several times in the past tried to solve this issue with Synchrony Bank, regarding my XXXX XXXX account. 
Approximately the week of XX/XX/2019 I received a check in the mail from Synchrony Bank regarding my XXXX XXXX account for {$140.00}. I reached out to Synchrony Bank regarding this check and they said this was a check for over payment on my XXXX XXXX account. The manager stated that the derogatory information will be removed from my Credit Bureau reports within a couple of weeks. At the past time the derogatory information is still lingering on my credit reports.
Product: Debt collection

I've recently reviewed my credit report and noticed several inaccurate accounts and unauthorized debt accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

the documented company has reported that the loan is charged off as bad debt The company that reported this has a copy of the < [ finance charge ] and which this vehicle was fully paid for within in a [ credit consumer transaction ] per 15 U.S.code 1605,15 U.S.code 1632
Product: Student loan

Mohela took over managing the private student loan from XXXX. 

Then the payment doubled and the interest rate jumped to 14.5 % Key Issues Noticed : 1. Payment Reallocation On XX/XX/year>2024, Mohela made an Adjustment that shifted {$110.00} from principal to interest. This means less of my payment goes toward reducing the loan balance, increasing the total amount of interest I'll pay over time. 

2. High Interest Rate ( 14.5 % ) This is an unusually high rate for a student loan, under my previous servicer ( XXXX ) I had a significantly lower rate. 

3. Sudden Payment Increase My monthly payment doubled when MOHELA took over. 

4. Unauthorized draft These charges automatically came out of my bank that I hadn't given them permission to autodraft from and it also caused me overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXand Experian were. Sent documentaion request by XXXX XXXX XXXX -furnisher/ owner of acct # XXXX. On XX/XX/2020 to delete reporting of tradeline. It is XX/XX/2020 and still being ignored by CRA just as their i investigations had not been properly completed. I have documentation sent to CRA 'S by Creditor XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue i am having is that Experian is continuing to report negative accounts on my credit report that are inaccurate and unverified. I have disputed numerous times via certified mail, phone, demand letter, and online. There is no proof these accounts belong to me even after requesting proof. The following accounts and inquires are listed below and need to be removed asap. 
collections XXXX XXXX & XXXX XX/XX/XXXX {$460.00} XXXX XXXX & XXXX XX/XX/XXXX {$360.00} XXXX XXXX & XXXX XX/XX/XXXX {$360.00} XXXX XXXX & XXXX XX/XX/XXXX {$1400.00} XXXX  XXXX & XXXX XX/XX/XXXX {$1700.00} XXXX XXXX & XXXX XX/XX/XXXX {$360.00} ( Dates are last reported ) Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX AND XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX NA XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AND AS XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Dates are Inquiry date )
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS XX/XX/1968 ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX  XXXX XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SS # XXXX XXXX : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 3rd REQUEST... 
XXXX : Creditor : XXXX XXXXXXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX  Acct # XXXX Creditor : XXXX XXXX Acct # XXXX EXPERIAN : XXXX : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX XXXX : Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX
Product: Credit card

In response to the Companys Response regarding case # XXXX, The response from Discover Credit Card is inaccurate and insufficient. When I initially called Discover Customer Service regarding the fraud charges, I specifically told Discover that there were XXXX transactions by XXXX. from XX/XX/XXXX, to XX/XX/XXXX, not from XX/XX/XXXX, as XXXX XXXX claimed in response. The breakdown of those charges is XXXX transactions for {$39.00}, XXXX for {$4.00}, and XXXX for {$1.00}, totaling {$630.00}. I called XXXX, and the phone number doesnt work, as I told Discover many times. Therefore, I urge Discover to call XXXX, which XXXX claims I had a subscription from. Discover keeps asking to provide documentation from a merchant on the Discover dispute site ; however, as I stressed many times because this is a fraud, I have no documents I can represent other than the detailed record I kept since I realized that I only received a partial refund. XXXX XXXX asserts that some transactions are valid due to the documentation provided by the merchant. I demand to be given documents, Discover claims obtained from XXXX, and transaction details Discover asserts they have received from XXXX to conclude those charges are valid. XXXX XXXX claims she received them based on Discovers investigation. I would like to see the transaction details containing an initial agreement for monthly subscriptions and receipts for each month during the above-mentioned duration. Moreover, The response from Discover concluded that I received the monetary relief amount of {$96.00}. However, as you can see in Table XXXX attached, I havent received any monetary relief. XXXX refunded me {$350.00} out of {$630.00}. The {$270.00} still remains to be refunded to me. I called XXXX today and demanded that they email me that Discover has rejected the refund and its amount, but I havent received an email from them yet. I called XXXX XXXX of Discover around XXXX XXXX, but she hasnt returned my call. The Discover fraud policy said that all Discover card members are protected with our {$0.00} Fraud Liability Guarantee, which means you're never responsible for unauthorized purchases on your Discover Card account. I want Discover to provide me with my authorization to XXXX since Discover concluded that the charges are valid based on the documentation provided by the merchant. Discover failed to detect suspicious transactions. My other credit companies immediately send me notifications and ensure that the charges are valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX 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 602 A Section 2 : it also states A consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

Good Morning, My name is XXXX XXXX and was a co-signor on a Line of credit ( unsecured ) with another individual, XXXX XXXX. 

Th Bank Involved : PNC He and I used the LOC for business expenses associated with a Company we both owned at the time. 

However, this a personal LOC and not a business loan. 

The amount was {$150000.00}. 
Bank : PNC Loan number : XXXX Persons involved : XXXX XXXX ( co loan guarantor ) XXXX XXXX ( PNC VP Lending ) XXXX XXXX ( PNC VP Lending ) XXXX XXXX PNC co-signer XXXX XXXX ( PNC Branch manager XXXX ) In XX/XX/XXXX I left the co-owned company and filed suit against my business partner when I left. 

As the personal LOC was used for the business, XXXX XXXX used the Company to continue to make payments on the personal loan. 

Then, in XX/XX/XXXX XXXX XXXX entered into an Agreement ( without my knowledge, signature, or any form of written consent i.e. email notification, settlement agreement or anything ) with PNC to pay half the Loan off ( {$75000.00} ) and charge off the rest ( {$75000.00} ). 

Again, I never gave consent for any of this. I was then informed in XX/XX/XXXX that my credit report ( XXXX  ) had me listed on the loan with the charge off when I applied for a mortgage on a new home. 

It has been reported to the credit agencies that I was involved with the charge. 

I repeatedly attempted to contact XXXX XXXX and XXXX XXXX ( both from PNC ) involved with this charge off settlement I had no knowledge off. They NEVER responded. 

I filed a complaint with PNC and nothing was changed in my credit report. 

I also have a signed sworn affidavit ( which I am uploading to this complaint ) by XXXX XXXX that without XXXX XXXX ( XXXX XXXX XXXX knowledge or consent, I ( XXXX XXXX ) negotiated a reduction in the payoff amount line of credit with PNC bank, which PNC accepted My credit has now been ruined, caused by a unilateral action between PNC and XXXX XXXX without my knowledge or consent on an action that has materially harmed me in not qualifying for a home loan. Had I been informed or copied on emails Mr. XXXX and Ms. XXXX XXXX Of such negotiations I would have never agreed to this unilaterally executed Settlement. 

I contacted PNC XX/XX/XXXX for the last time and spoke to a XXXX XXXX who essentially told me to file with the CFPB. 

Furthermore I am uploading an email from XXXX XXXX to Mr. XXXX and Ms. XXXX agreeing to accept the Settlement offer which included the charge off without an email, call, letter to include and inform me of this action.
Product: Prepaid card

I was issued a {$50.00} prepaid debit card through a rewards program with Pentagon Federal Credit Union. The card expired XXXX with none of the money ever spent. I am now being told by the phone number on the card ( XXXX ) and PenFed rewards program ( XXXX ) that none of them are able to refund my money or issue a non-expired replacement card. The rewards card # is XXXX
Product: Debt collection

I, MR XXXX. OWNER OF THE PHONE # XXXX, HAVE BEEN RECEIVING NUMEROUS CALLS FROM, ERC COLLECTION AGENCY [ XXXX ], REF # XXXX XXXX THEY'R CALLS TO MY PHONE # ARE ASKING FOR A ..MR XXXX XXXX XXXX, NOT KNOWN NOT AT THIS PHONE # I, HAVE REGERSTERED A COMPLANT WITH F.T.C. ON X/X/18, REF # XXXX AND ALSO CONTACTED THIS ERC AGECY, TALKED TO A MANAGER PLEADING TO STOP HARRASSING US ON THE ABOVE DATE. 
TODAYX/XX/2018 AT XXXX XXXX, I RECEIVED ANOTHER CALL WITH THE SAME THREAT/NOTICE OF COLLECTION, FROM THE SAME ERC/PHONE # AND REF # AS LISTED ABOVE. 
I BEG FOR YOUR INTERVENTION TO THIS HARRASSING CONDITION XXXX XXXX X/X/2018
Product: Credit reporting or other personal consumer reports

I contacted Credit Management LP and asked them to validate an allege debt they claim I owe I sent this certified mail on XXXX it was signed for XXXX. This company was asked to provide the original purchase agreement, signature with all parties involved, bonding agency for credit Management, Accounting history from original creditor, proof they are legally allowed to collect in Arkansas, proof of ownership of the alleged debt and include proof of assignment for each change of ownership, if ant interest or fees that have accrued or been added,, proof that they sent the legally required notices to me before reporting the alleged debt to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

two transactions made on a gambling website that i nor any of my family gambles one was for {$38.00} and one was for {$300.00} the dates were both on friday the XXXXXXXX XXXX XXXXXXXX called the fraud department at wells fargo and was told id get a temp credit was never issued and was told they would do an investigation that they never did
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED A REQUEST TO REMOVE BANKRUPTCY INFORMATION THAT IS INCORRECT ON MY CREDIT REPORT. I DID NOT FILE BANKRUPTCY, A LETTER WAS SENT SAYING THAT THE INFORMATION WAS VERIFIED BUT THERE WAS NO PROOF THAT THE INFORMATION HAD BEEN CHECKED AN VERIFIED.
Product: Credit card

I am writing to file a complaint regarding the Bloomingdales American Express credit card, which is issued by Department Stores National Bank and/or Citi N.A. On or about XXXX 2015, Bloomingdales transferred the administrative responsibilities for their American Express product to Citi NA. Since that time, I have been unable to access the website to pay this account in a timely manner. Furthermore, since I no longer receive a paper bill it makes it nearly impossible to pay the bill for this account unless I actually call the Department Stores national Bank customer service line. Bloomingdales has publicly noted that their payment website has been having issues since XXXX 2015 ( see attached email from XXXX XXXX, 2015 ), but has not done anything to remedy the problem in the intervening period ( see attached screenshot from XXXX XXXX, 2015, blocking access to the Department Stores National Bank/Citi website ). It is obvious at this point that the problem goes beyond mere technical problems, and may be an effort by Department Stores National Bank/Citi to increase late fees and other charges by denying consumers timely access to the credit card accounts and statements.
Product: Debt collection

Dear CFPB Representative, I am filing a formal complaint regarding an account listed on my credit report as Department of Education/XXXX with the account number ending in XXXX.

Description of the Issue : 1. Balance Discrepancy : The reported balance of {$23000.00} does not align with my records and appears inaccurate.

2. Payment History Issue : The reported payment history contains inconsistencies and does not reflect the actual status of my account.

3. Account Status Discrepancy : The status indicates Deferred payments begin XX/XX/year>, yet there are conflicting records showing ongoing account activity. 

Actions Taken : On XX/XX/year>, I sent a dispute letter directly to the Department of Education/XXXX requesting validation and correction of these discrepancies under the Fair Credit Reporting Act ( FCRA, Section 611, 15 U.S.C. 1681i ).

Despite submitting this request over 30 days ago, I have not received a response, validation of the debt, or any resolution to this issue. 
I have also contacted other consumer reporting agencies to address these inaccuracies, but no verification or resolution has been provided. 
Requested Resolution : Under the FCRA, I am requesting : 1. A thorough investigation into the accuracy of this account.

2. Documentation validating the accuracy of the reported balance, payment history, and account status.

3. Immediate correction or removal of inaccurate information from my credit report if it can not be verified.

I have attached relevant documentation supporting my claim, including copies of my dispute letters and highlighted sections of my credit report showing the inaccuracies.

Thank you for your time and attention to this matter. I look forward to a prompt resolution and a formal response from both the CFPB and the Department of EducationXXXX regarding this complaint. 

Sincerely, [ Your Full Name ] Enclosures : Copy of dispute letter sent to Department of EducationXXXX Highlighted credit report showing the discrepancies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Last reported : XX/XX/2019 {$36000.00} THIS ACCOUNT HAS BEEN PAID IN FULL /XXXX  BALANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO CLAIM # XXXX SECOND NOTICE TO FAILURE OF GAVE DUTIES!! AND RESPONCE IN TIMELY MANNER!! 

TRANSUNION has failed their GRAVE DUTIES under Tittle 15 USC 1681. XXXX is in federal violation under 15 USC 1681b they DO NOT have my written consent to furnish a report on behalf of the original creditor. Under the XXXX XXXXXXXX XXXX XXXX TRANSUNION IS A FINANCIAL INSTITUION and under 15 USC 6802 and 6821 I have the right to privacy and having my nonpublic information not reported and opted out. TRANSUNION has not been respectful to my right of opting out and privacy and have not exercised their GRAVE DUTIES under congressional findings and removed the demanded information from my report. TRANSUNION is in FEDERAL VIOLATION and is liable for damages under 15 USC 1681n 15 USC 1611 15 USC 1644 for fraudulent unauthorized use of my credit report and credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XXXX XXXX, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigationXXXX  and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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 reporting, credit repair services, or other personal consumer reports

Hard inquiry submitted by the following companies without knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have been using Solo Funds for a few years on a monthly basis and paying the fees. I live in XXXX and not one time was I notified about any lawsuit or illegal fees. In fact, there was an issue with them collecting the funds from my bank via debit card in XX/XX/XXXX and customer service actually stated that it was a technical error and sent me an invoice from XXXX to my email address of " XXXX '' and I had to pay it immediately and included all the fees and that was just around XX/XX/XXXX, I have paid all these fees since XXXX at least. 
I was never notified about any illegal fees and paid the fees and just last month they actually sent me an invoice to collect it. Nor all the interaction I had with customer service did anyone advise me there was a lawsuit and this was just a few weeks ago. 

The app is also not allowing me to sign in as I can only download history from my bank for a certain length of time and I had another bank account prior to this one in which I also used Solo. I should at least be able to view the history of my loans and payments but the app is stating that it not participating in my state but I have a history and should be able to access it.