23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX unjustly report at me late I sent evidence from freedom mortgage to the credit bureau showing that I had made my payment on time they refused to take it out of my credit report stating that XXXX does n't want to remove it so they 're unwilling to remove it
Product: Student loan

I refinanced  Parent Plus L oans that I took out for my children 's college education. I came into really hard financial times and had could n't make the payments. I went through a third party company, FedLoan Help. I have had payments of {$91.00} drafted out of my account for a year and none of them have gone towards my Parent Plus Loans with FedLoan. This began on  XXXX  and the last draft was on  XXXX .     FedLoan Help said, via an e-mail, that I have been approved for a refund but now they do not have the funds. I feel now that I 've been scammed.     I have included e-mailed correspondence with FedLoan Help. I 've tried and tried to upload my bank statements showing the drafts. I ca n't get it to work.  May I  fax them to you somehow or mail them?     Thank you!     Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 TransUnion, Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 

There are multiple Hard Inquiries on my credit report that are NOT authorized, - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 There are multiple Soft Inquiries that are NOT AUTHORIZED : Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. The Charged off account and Collection account being reported on my credit MUST be removed. XXXX6 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.
Product: Checking or savings account

SOMEONE STOLE, MY PUA OHIO UNEMPLOYMENT BENFITS WITHOUT MY PERMSISSION AND IT HAVE CAUSED ME TO NOT HAVE MY MONEY, THERE WAS AN ACCOUNT TAKEOVER, AND ALSO IT CAUSED ME TO BE IN DEBT TO US BANK. I DID NOT ALLOW THIS PERSON TO DO THIS TRANSACTION AND USE MY ACCOUNT, IT WAS DONE WITHOUT MY KNOWLEDGE AND I DON'T KNOW WHO DID IT.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted certified letters and documentations to the XXXX XXXX XXXX and the 3 major credit bureaus. I paid the 2 accounts and was told they would delete. Theses 2 accounts were charged off XX/XX/2018 and the creditor is reporting that I have 27 charge offs on my account. I was told by XXXX XXXX XXXX that I needed to send a letter to them to ask them to " delete my Consumer dispute '' and they would be able to fix. I sent letters and have not received a response. I've disputed them. XXXX and XXXX  show Paid and 27 charge offs, Transunion show no payment history. I've received numerous letters from XXXX XXXX XXXX stating they don't know what I am disputing. This is very conflicting with what answers I get. I am following everything the bureaus are asking as well as XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent three dispute letters telling the company Im a victim of the XXXX data breach my personal information was compromised and someone fraudulently opened these accounts in my name. Despite sending police reports proof of residence id social cards they have yet removed this fraudulent accounts from my credit reports. They have yet to send The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. 
The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute To date, you have NOT provided me a copy of ANY documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I Dispute this account to Experian, XXXX, and XXXX that this account dont not belong to me and I have no idea what what is this account. 

However the credit bureaus said the they have completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and How did they complete this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE BANK USA N, XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE BANK USA N, XXXX, and XXXX XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit card

Capital One has a rewards system on the card that I use with them. Because I am in an XXXX, I was not able to use my rewards feature. I asked them to change my Billing Address at the end of XXXX XXXX. In error they also changed my mailing address which caused me to never receive my billing statement. I noticed the absence of a Bill and signed up and logged into the online service on XXXX XXXX XXXX and noticed the issue. I immediately brought the account current and explained the situation to Capital One. Capital One has fixed my address and reversed the late fee but they never removed the discrepancy from my credit report to no fault of my own as they sent my billing statements to my home of record which all mail will be returned to them. They never called to inform of the problems they where having sending mail to my home of record. It is not my fault that I did n't pay when I never received a bill after they changed my mailing address in error so the late payment should not exist on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded XXXX XXXX  yesterday for the first time and I noticed I had several accounts that didn't belong to me. So I decided to pull my report and noticed several accounts that are not mine.
Product: Credit card or prepaid card

The credit card in question has a monthly billing period that ends on the XXXX of each month. For the bill ending XX/XX/2021, I underpaid the bill by XXXX due to my miscalculation. I always try to pay all credit card bills for purchased made up to the end of the month in which the billing period ends, and in this case, my spreadsheet had a summation error. 
The next billing period, ending XX/XX/2021, stated a New Balance total of XXXX. This total included the Previous Balance of the XX/XX/XXXX billing, the payment made for the bill ending XX/XX/XXXX, merchandize Purchases incurred from XX/XX/XXXX - XX/XX/2021, return credits of XXXX during that same period, and an interest charge of XXXX because of the unpaid balance from the XX/XX/2021 billing. I paid {$1800.00} against this bill on XX/XX/2021. I assumed that my payment of {$1800.00}, an overpayment to the New Balance of XXXX, would cover all obligations due Bank of America. After contacting their Customer Service, I found I was wrong. 
Interest continued to accrue until my {$1800.00} payment was posted on XX/XX/2021 Return credits of XXXX during that period were not applied against the underpayment amount from the last period The next billing period ending XX/XX/2021, has a New Balance total of XXXX. This includes the Previous Balance from the XX/XX/XXXX billing, my payment of XXXX, merchandize charges incurred from XX/XX/XXXX to XX/XX/2021, return credits of XXXX for that same period, and an Interest Charge of XXXX. This interest charge was calculated for the period XX/XX/2021 through XX/XX/2021, the date of last month 's billing period payment. 
Thus, the total interest charge for the XXXX underpayment I made for the period ending XX/XX/2021 incurred {$27.00} in interest charges by XX/XX/2021. $ XXXX days of accruing interest = {$0.00} interest charges per day charged to my credit card account. If I never paid enough against my account to eliminate the {$150.00} underpayment amount, or some portion thereof, by the end of one year I would have paid {$0.00} X 365 days = {$190.00} on a principle of {$150.00}. I declare four issues : 1. On no statement was it stated what discrete amount would incur how much interest charge per day unless paid off by a stated date.

2.. Merchandize return amounts do not reduce underpayment amounts for credit card purchases even if the merchandize return is done after the day of purchase.

3. This seems to be an advantageous non-transparency about interest charge liability to the consumer 4. The interest itself constitutes an unfair financial burden to the consumer.
Product: Credit card or prepaid card

My wife and I received an unsolicited VISA credit card in the mail from Chase. When i called to verify, they insisted that she must have applied for it. When she spoke with them they were very condescending and tried to convince her that she had applied for it. When that didn't work, they then insisted that it was really a replacement card on a very old account. 

It is my understanding that " Under Regulation Z, which implements the Truth in Lending Act, it's illegal for a credit card company, store, or other entity to send you a credit card you didn't request. ( 12 C.F.R. 226.12 ). So, most companies don't send out straight-forward unsolicited cards. But some companies try to get around the law by sending " replacement '' credit cards for accounts that are no longer active. Sending these types of cards, if unsolicited, still violates the law. '' At best, this is dishonest and deceptive practices, but I really suspect that they are creating fake accounts again in hopes of drumming up business and feel that their best chances are to bully senior citizens into accepting such.
Product: Student loan

Back in XXXX, XXXX, XX/XX/2014, I was a single mother and receiving little to no child support and had difficulty making my student loan payment. I contacted Navient to ask for help with this issue. There was an extreme amount of time -- three months actually -- until the deferment was approved. During that time frame I decided that feeding my children was more important than paying the monthly student loan payment. Navient never offered an alternative such as a reduced payment based on my income, which I now find out was an option. The result is a credit report that reflects the three months of non-payment of these three student loans which happened almost six years ago as I was awaiting my deferral. Please note : This is the ONLY " ding '' on my credit report. Since that time all of my children have attained the age of adulthood and I am no longer in the financial position of being unable to pay my loan. Since the end of my deferral I have not missed any payments on any student loan or other financial obligation. How can my credit score still be impacted so greatly by something that was caused by necessity to feed my children and the length of time it took Navient to process the deferral? Why wasn't I given the option of a lower payment so I didn't have to be punished with higher interest rates, lower credit score, and being branded as a person with " severe delinquency '' on my credit report for seven years until it is erased? This seems like a harsh punishment that does not fit the crime. Please help me find a way to rectify this situation. Thank you.
Product: Debt collection

Commonwealth Financial Systems added several account to my credit report. I requested a letter of validation in XXXX and they have fail to send me any documentation proving that the debt is mine. Ive also ask them to remove it from my credit and they still havent.
Product: Credit card or prepaid card

Gift card for purchase in the amount of {$50.00}. One item was returned, and the other was kept. However, the merchant did not credit my account the full {$50.00} for the gift certificate. {$16.00} us still due. I'm being harassed by Bank of America to provdie the information and explanation 3 times now. If this business were conducted in the United States, they might be able to understand English more fluently.
Product: Debt collection

I have an account that was opened in my name by an ex girlfriend that i didn't know anything about. We broke up and she continued using it and paying for it with my account but I've never seen a bill. We have since broken up and she's moved out, and she must have stopped paying the bill even though i don't know where the statement goes to. Now i am being harassed by them to pay the balance and its for nothing that I've purchased and i don't have the money to pay for it. They won't help me go thru the fraud department. Please help me to get this straightened out and removed from my credit.
Product: Checking or savings account

On XX/XX/XXXX I made a deposit of a tax refund check through online banking and they held the check for 8 days without telling me anything except that the funds would be available on XX/XX/XXXX when I called on XX/XX/XXXX to find out what was happening Since I received an email saying that my cell phone number had been removed from the XXXX and my online banking would not let me log in, then they told me that they detected fraud and that is why they closed the account, I called the IRS and they explained to me that they did not There was no type of problem with the check and that Bank of America had not contacted them to corroborate the information on the check. Emotionally, I feel anxious because this was unfair and was not investigated well. I have not committed any fraud. I am a humble but honest person.
Product: Debt collection

i am unaware of being seen by this doctor i am sure nothing was signed everything was to be covered by blue cross blue shield of texas due to XXXX that occurred between XXXX/XXXX/2014 and XXXX/XXXX/2014. I am unsure of the date. this insurance was part of obamacare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am consumer, alleged obligor, natural person and original creditor, as originator of consumer credit transaction lent Discover my accounts payable social security credit card number as cardholder and card issuer to accounts receivable secured consumer credit application and received access device Discover card. I as a natural person possessing an open-end credit plan was injured by Discover. 
Discover was directed to cease collection efforts and communication with third persons in honor of my right of privacy and confidentiality per 42 USC 408a ( 8 ). Discover took adverse action and closed my account without my consent unfairly. cardmember agreement specifies it is subject to governing law of federal regulation for which the right invoked was exercised in good faith. Discover despite forfeiting its right to collect for the adverse action take continues to deliberate report personal information to third persons without my consent. I have advise third persons that I revoke the right to report from Discover and for them to honor my right of privacy. XXXX XXXX  has complied. All others have sided with the furnisher regarding my consumer information alleging that the debt is verified in violation of 15 USC 1692b ( 2 ). Discover is now civilly liable to me.
Product: Debt collection

XXXX XXXX bank has 3 credit cards in my name and all 3 of them have been placed as an abstract judgement on my property as liens, I have told XXXX XXXX that i did not take out any credit cards with them and they have removed the debt off of my credit report i had no idea there was an abstract lien on my property for all 3 of those i never received any paperwork or summons or anything so i did not know they were there, I am selling the property and i am supposed to close on the house on XX/XX/21, I called their firm Glasser and Glasser and they are giving me the run around to get this lien released, i can not wait 30 days as I close on my property on XX/XX/21, every supervisor and rep is giving me a hard time, nobody calls you back when they say they will, I told them I was contacting the CFPB they didn't care I need this resolved ASAP my social so they can locate me is XXXX the address this is on is XXXX XXXX XXXX XXXX Va XXXX my number is XXXX I need someone to contact me ASAP to clear this matter up as Glasser and Glasser will not answer me nor help me please help execute this issue. Glasser and Glasser put abstract judgements on my property and these credit card accounts are not mine, I contacted Glasser and Glasser and they are giving me the run around. I discussed the urgency with them and they just disregarded my situation and urgency and this issue has to get resolved, specially since none of these credit cards belong to me its identity theft and i don't even know how they were able to get abstract judgements on my property either, I need this matter urgently taken care of and i need a response ASAP, i will make this issue go viral if i need to to get the help that i need please help
Product: Debt collection

Shermeta Law Group PLLC garnished my bank account with NO notice and NO communications about whatever this supposed debt is. I have no idea what I would owe XXXX XXXX or more dollars for because they have never contacted me about settling any debt. I want my money back.
Product: Credit card or prepaid card

XXXX XXXX while searching for XXXX airline ticket at checkout it offered no annual fee, $ XXXX {$300.00} = {$70.00} ticket, after {$2000.00} spent receiving XXXX miles, and after applying online it says instead of approval it will look further into it. I received card approval next day via email, and card XXXX XXXX. I was surprised to see a charge {$99.00} annual fee right away XX/XX/XXXX. I was also offered XXXX miles instead after XXXX  dollars spending, also nowhere in writing does it mention the {$300.00} credit for ticket purchase. I called their representative who said she never seen {$99.00} charge right away before and was surprised but was powerless to change it. I asked to close the card and was told I am responsible for {$99.00} payment before I can close it for a service I never used. I am filing a complaint for unethical bait and switch practice of Barclay bank XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Just checked my profile and had unahtorized inquiries and accounts that are not mine, pleas help this is affecting my credit and this should not be on my profule these are not mine. see attached IT IS ILLEGAL TO HAVE ITMS ON MY REPORT THAT ARE NOT MINE
Product: Credit card or prepaid card

I had {$1200.00} worth of XXXX XXXX in XX/XX/2022. The dentist offered me interest free financing if paid off within XXXX mos, through Smile XXXX/Comenity. My credit score is up in the XXXX 's, and always pay my bills on time, so I was approved. I got my first bill, which showed XXXX XXXX interest, but a monthly " service charge '' of {$14.00}, which amounts to XXXX XXXX or {$89.00} if paid off in the XXXX mos. 

I was not told there would be a monthly service charge for this credit card when I signed up for it. This sounds like a proverbial " bait and switch '' tactic and should be against the law. The consumer should be advised about the " service charges '' in advance and given the opportunity to refuse the credit card on those grounds, and make other arrangements for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Report Number : XXXX FTC Report Number : XXXX FTC Report Number : XXXX Defamation to my character and livelihood and I'm trying to purchase a home. 
15 U.S. Code 1681n
Product: Checking or savings account

On XX/XX/XXXX I called to dispute 2 unknown transactions. US Bank then told me that they are locking the account due to fraudulent activity and opening a new checking account for me to use the current funds left in the account and to refund the funds that were taken. They also told me that they would move the funds left in the account and connect my debit card to the new account in order for me to use the funds. Instead, the next day someone reached out to me via phone call and left a message letting me know that I would have to call a number to verify some information in order for then to open a new account. I called the number and they told me that they had nothing to do with opening my new account and to talk to the fraud department. Then they proceeded to switch me back and forth between departments because no one knew what was going on or who to talk to. Then after being switched around XXXX times they told me that US Bank made the decision to end the relationship and I couldn't have a new account opened. They locked my debit card as well so I have been unable to use my funds. They refunded my account from the fraudulent activity and the money is just sitting in the locked account for no reason. I have rent due and other bills to pay that have been delayed and late fees added due to no one at US Bank being able to tell me when my account will be closed and they send me my money.