23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My debit card was charged for items that I wasn't aware of. My overdraft protection is on and I was charged regardless. 

XXXX Bank has done this numerous times. When I tell citizens Bank I'm not paying them because I didn't allow this transactions. 

They still take out my money out of my bank account debit card and this is almost {$1000.00}. 

They told me over after protection was to protect against overdraft fees which isn't the case. 

I told them to take it off and they kept it on.
Product: Debt collection

This company did not accept forms of payment besides a debit or credit card. A relative had a debt that was collected through this company and in order to assist them in paying it off I made an arrangement with the company to contact me prior to running my credit card for any amounts due. The debt was not mine, however, an arrangement was made such that my relative would give me an amount of money to pay for them on their debt. The company will call me and ask the amount to run on my credit card. The representative took it upon herself to run my credit card without my permission nor approval for an amount on XXXX separate occasions. When confronted about running my credit card without my permission she then proceeded to be very unprofessional and rude when the mistake was made on her end. She told my relative that they needed to " just put the money in their account because she had already ran my credit card anyway. ''
Product: Credit reporting or other personal consumer reports

Requested information from all three credit bureaus proof of validation that a bankruptcy listed on my report was reported to them by the courts? Received a letter from the courts stating that they did not report any information to the bureaus and is not responsible for validating information from consumers credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and XXXX I sent a certified letter to XXXX advising them they have US Dept of Education listed 5 separate times on my credit report and they all have the same account number except for one of them. This is really affecting my credit. It is my understanding if an account is negative, it should only be listed one time, not 4 times. After sending them 2 separate letters, they still have not fixed the issue. I have attached the letters that I have sent them. 

Thank you
Product: Debt collection

I contacted Equifax Credit Agency on XX/XX/2021 to dispute a medical bill that I have disputed with Equifax on four other occasions. Each Time Equifax has ruled in favor of the Creditor, this time I requested Equifax to provide me with a copy of whatever documents the Creditor verified the debt is mine. I have explained to Equifax the debt is not mine and they refuse to take it off or give me copies of the verified documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account isn't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account.
Product: Debt collection

I incurred an original debt with XXXX  for financing of furniture dating back to 2012. A company advising name of Lake City Credit has connected my husband several times daily in regards to this debt incurred solely in my name prior to our marriage. Per my credit report the outstanding balance is for a sum of {$3000.00} sum odd, however they are attempting to collect an amount of {$5700.00}. Additionally, he has no obligations to this debt and the representatives have disclosed all information concerning this matter to him. I requested he have correspondence provided to me from this company to validate the debt, yet to receive. Per contact to the original creditor, refferred to a different collection company, whom referred to yet another, none of so would be Lake City. 

Number call originated from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There an account on my credit report that was closed yet it's still reporting that I am late. This practice using personal credit information is fraudulent and illegal. I demand that this account be removed from my credit report and any other accounts that are closed but also may be affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get access to my credit report in myequifax.com also I have been trying to apply for a credit card at a Bank and they say Equifax is has freeze and they cant pull my credit. I called several times to equifax and they said I don't have freeze yet the bank cant still pull my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report last month ( XX/XX/2022 ) and noticed that Experian listed XXXX inaccurate addresses on my credit report. In the last year, I have been involved in three identity theft cases involving data breaches AND I have had my personal identifiable information show up on the dark web twice in 2022 alone! I have placed a fraud alert on all three credit bureaus. On XX/XX/2022, I sent a certified letter to Experian requesting that all addresses ( with the exception of the address on my driver 's license ( which I sent a copy of with the letter ) ) be removed because, not only are they inaccurate, I am also a victim of identity theft. 

On XX/XX/2022, Experian received my certified letter. On XX/XX/2022, Experian placed online disputes for every incorrect address. To follow up with this, I called Experian and spoke with a representative about the XXXX inaccurate addresses. This representative removed all but XXXX inaccurate addresses and stated that these XXXX wrong addresses could NOT be removed because they are associated with XXXX old and closed accounts on my credit report. I explained that these addresses are NOT accurate and need to be removed, but she refused and suggested that I reach out to the old creditors and request that they update my current address to my credit report. Please understand that these are old and closed accounts that are no longer reporting to my credit reports. 

I asked that she email me or send me a postal letter explaining why these XXXX inaccurate addresses could not be removed, but she refused and stated she could not send this information in writing. 

The only address that should report on my credit report is the one that matches my driver 's license. I am requesting that Experian remove ALL other addresses. Keeping inaccurate information on my credit report keeps me at jeopardy for identity theft.
Product: Credit reporting or other personal consumer reports

I recently applied for a mortgage at XXXX XXXX XXXX XXXX. They sent me the standard letter about the pulling of my credit report and the information obtained. I have no issue with any of the information that the credit bureaus seem to have. 

However, For TransUnion, the " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' are, " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. 

Since my credit history goes back more than XXXX years, and I pay all my credit card balances in full every month, I called their customer service number at XXXX on XX/XX/2024 at approximately 10:30AM. The information in my letter is dated on the credit report pulled on XX/XX/2024. The Customer service representative would not explain either of the XXXX issues. Instead she said I am not looking at the most recent report. She would not give me any information on the new report over the phone. If I want to see that, I must pay them {$9.00} to have them mail that information to me. 

I believe that I am entitled to an explanation for the adverse factors without having to pay money to them.
Product: Student loan

I took out Private loans for my daughter to attend XXXX XXXXXXXX XXXXf XXXXXXXX XXXX XXXXXXXX in XXXX from XXXX. They changed their name to XXXX XXXX shortly after. I have two private loan that have accrued interest totaling {$28000.00} when the loans were initially for {$5000.00} each, back in XXXX. 

Navient originated predatory subprime private loans to students attending for-profit schools and colleges with low graduation rates even though it knew that a very HIGH percentage of such borrowers would be unable to repay the loans. Navient made these risky subprime loans as " an inducement to get schools to use Navient as a preferred lender '' for highly profitable federal and private loans without regard for borrowers and their families, many of whom were young, like my daughter, and ensnared in debts they could never repay. 

Navient had a multi-state settlement a few years back where they gave private loan debt relief to borrowers who had XXXX consecutive months of delinquent payments prior to XX/XX/XXXX. What a XXXXXXXX XXXX XXXX XXXX for the people who literally struggle month to month to pay these XXXX loans!!! I can't get approved for a home. I can't get a car loan unless I pay outrageously high interest rates. If I'm even a couple days late, Navient is already calling and emailing every chance they get. I'm afraid of Navient calling my job or garnishing my wages which is why I try to be on time with payment but as a retiree it's difficult to pay for these loans and my daughter already struggles to pay the federal loans. 
My daughter applied for XXXX for the scam school XXXX XXXX XXXX and is on track to get the federal loans discharged and I want the private loans to get discharged as well. 

Navient has been sued at least half a dozen times for other predatory loan practices and illegal collection practices. 

I'm requesting the Navient School Misconduct private loan discharge application
Product: Student loan

My student loans are held by Nelnet. At the beginning of XXXX I applied for the SAVE plan. I received confirmation that they received my applciation and later they requested my pay stubs. I've sent them all the documents they requested in XXXX and have not heard back. My payments ar supposed to start in XXXX and I have yet to receive a statement.
Product: Debt collection

Central portfolio control sent me a letter demanding payment of {$50.00}. They attached an invoice which showed the account has a {$0.00} balance. I pointed this out to them and they continue to harass me even though they have and sent back to me the invoice showing there is nothing due
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
Product: Debt collection

I am writing to dispute the accuracy of information on my credit reports. There is a Collection Account by Portfolio Recovery Associates showing on my credit reports. I have told them that I don't recognize this debt. We went to court over the case. The judge ruled in my favor and issued a " Verdict for Defendant on Plaintiffs Claim and a Judgement for Plaintiff on Defendents Counterclaim '', which shows the court ruled in my favor, the debt is clearly not valid, as they were unable to prove it was, they did not appeal in the allotted time given, and this Collections Account should be removed from all of my credit reports. I request that you investigate this matter, as it seems the bureaus most of them are siding with Portfolio Recovery Associates. This is unfair to me as a consumer, who's credit is very important to me! Please help!
Product: Debt collection

I have asked this company to submit all inquiries in writing, I will not verify any information via telephone and they are now calling my place of employments phone line ( XXXX ) instead of my personal cell.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Equifax through certified mail. Equifax didnt not start the clock on my dispute. What Equifax did was ask me to verify my correspondence which is a delay tactic. My documents were notarized with drivers license presented with the notary. All verifying information was provided to equifax! Equifax didnt start my request. Equifax wrote me to my home address so they knew what XXXX XXXX lived at that address. Equifax said they couldnt find a credit report for me and instead of removing unverified item. Equifax asked me to help find my credit report. These tactics are not called for! If equifax cant find my credit report then why are they able to have unauthorized access to submit unverified account information from second party reporting agencies that I gave no permission to share anything about me? Equifax has not open a dispute. I would like second party XXXX XX/XX/XXXX, XXXXXXXX XXXX to provide verification, authorization along with equifax!. This is one of  many violations that Equifax continues to get away with. Constant violations of my Fair credit rights. The account in question is reporting several different variations on months on the different credit bureaus. Variations of month and date of reported 30 day late payment from XXXX XXXX isnt consistent with the 3 credit bureaus. This tells me the second party credit reporting agencies have provided Equifax wrong information that has not been verified. 3 different secondary results. Equifax is allowed to report unverified information to consumers credit report time and time again. Whatever the secondary says goes and Equifax doesnt go beyond secondary results! I gave Equifax no permission to violate my consumer credit report in this manner of reporting.
Product: Credit card or prepaid card

On XX/XX/2023, Capital One Credit Card Company took over XXXX MasterCard Credit Card from XXXX XXXX. On Saturday, XX/XX/2023, I received my first credit card statement from Capital One in the mail. The statement indicated that my credit card payment was now due on the XXXX of each month Beginn XX/XX/2023. Prior to Capital One Bank taking over XXXX XXXX  XXXX! XXXX accounts my payments were due on the XXXX of each month. The previous month of XXXX, my credit card payments was due on XX/XX/2023. I contacted Capital One Bank and spoke with a representative named XXXX. I explained that I received my first statement from Capital One, and my payment due date has been changed from the XXXX if each month to the XXXX of each month, and I have not received sufficient notice for such change. I also advised that there appears to be a change in the interest rate that I am being charged, nor have I received any notice in regards to that change. XXXX attempted to locate a policy and procedure regarding this matter, which she was not able to locate. I advised her that I have not received any notification of either of these changes. Thereafter, requested to speak with a supervisor. XXXX transferred me to.XXXX ID # : XXXX, who advised me that my payment date could be changed to XXXX of the following dates of the month : the XXXX, XXXX, XXXX, XXXX or XXXX of the month. However, it would not take affect for XXXX to XXXX billing cycles. I advise that the XXXX was the closest state to my previous billing cycle. However, this does not solve my immediate problem, as I just paid my bill on XXXX XXXX, I have my mortgage to pay at the beginning of XXXX, and they are requesting payment on XX/XX/XXXX with not so much as a 30 day. I pay my mortgage at the beginning of the month, and this creates a hardship.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report from " OFFICE OF THE ATTY GEN '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. XXXX reports that I am 180 days late. XXXX reports that I am 120 days late while XXXX reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

The Consumer Reporting Agency ( CRA ) created a consumer report utilizing my names, which intellectual property are the private property of my Irrevocable Trust, without my written authorization or consent and is furnishing information from that unauthorized consumer report - information that was collected under false pretenses - to banks and other lenders, which has resulted in adverse actions that have caused serous harm. The CRA is in violation of the Trust law, the Fair Credit Reporting Act and federal intellectual property statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX Status updated XX/XX/XXXX Balance {$9600.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$650.00} Original balance {$12000.00} Highest balance {$0.00} Terms 42 Months On record until XX/XX/XXXX ( IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT 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 my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open consumer credit plan as late for any reason.
Product: Debt collection

I am concerned that either New York State XXXX is falsely Billing individuals ; or that someone is pretending to be them ; attempting to get people to pay them money. 

On XX/XX/XXXX, I received a letter, ( dated XX/XX/XXXX ) from Linebarger Goggan Blain & Sampson, LLP indicating that I owed {$100.00} to the New York State Thruway Authority.

I called The office on the letter ; and the was told that this was for a New York State License Plate for using an XXXX XXXX on XX/XX/XXXX. 

The License Plate on this letter is not my car ; I haven't had a New York State License Plate in over 5 years ; and I ( and the only registered cars that I own ) were not in New York State on the days that the charges happened XX/XX/XXXX ; or XX/XX/XXXX. 

On XX/XX/XXXX, I called the phone number on the letter ( XXXX ) and spoke with a man. I explained the situation to him ; and he indicated to reply in writing, which I did. 

In my letter, I explained 1- That plate number is not my plate number 2- I do not have a New York State Plate 3- Since XXXX, I have always had XXXX XXXX on my car ; so even if it was my car, it should have registered to the XXXX 4- Neither I ; nor the cars that I do own were in New York State at the time the toll  was used. 

On XX/XX/XXXX, I got another letter in the mail from Linebarger Goggan Blair & Sampson indicating, " Per NYSTA -- -If Customer Submits XXXX Statement that includes transactions for tolls for XX/XX/XXXX, XX/XX/XXXX, We will forward it to NYSTA  for further research, otherwise violation is due. '' Considering this was not my car, I would not have an XXXX XXXX for it. Whoever received my letter clearly either did not receive it ; nor did they take the time to realize that this was not my car. ( Either that or this is a scam ). 

On XX/XX/XXXX, I called Linebarger Goggan Blair and Sampson LLP back ( XXXX ) and spoke with someone who identified herself as " XXXX ''. I asked why I received this letter ; when I already explained that this is not my car. She explained that she is just a third party agent, and the letter was actually sent out by the New York State Tolls. She looked my information up ; and was able to show me the plate numbers that were present. The Photos are very unclear ; and one Letter is blacked out. She explained that and apparent " E '' may be an " F ''. She indicated that she would report this to XXXX. 

I am reporting this as the system that XXXX XXXX/ Linebarger Goggan Blair & Sampson has is one of 2 things : 1. It is either a scam 2. It is terrible customer service ; which may be leading people to pay bills that are not theirs. ( It is often easier to just pay something to make it go away ... then having to address the same issue several times ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, I have had my rights. 
Apple Card/GS BANK USA XXXX XXXX XXXX XXXX XXXX THE HOME DEPOTXXXX XXXX XXXX 15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for Any purpose.
Product: Debt collection

IAM A VICTIM OF IDENTITY THEFT, PLEASE INVESTIGATE AND REMOVE FROM MY REPORT. 30 DAYS HAS PASSED. 

XXXX XXXX ACCT # XXXX RECEIPTS SLIPS XXXX XXXX XXXX XXXX