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

" In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX Account number ending in : XXXX 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. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ''
Product: Credit reporting or other personal consumer reports

I am writing to complain about actions taken on my account that resulted in my credit score decreasing by XXXX points on XXXX.I have also initiated a dispute with XXXX concerning this matter. The problem started in XX/XX/XXXX. Two payments were sent from XXXX XXXX  in the amount of {$52000.00}, dated XX/XX/XXXX and XX/XX/XXXX. When I discovered these duplicate payments I contacted XXXX XXXX to notify them of the error. The XXXX credit card statement shows balance total - {$77.00} balance total and {$.00} minimum payment due XX/XX/XXXX. 

My credit card was declined on XX/XX/XXXX at XXXX. Later that same day, I called BOA and spoke to a service representative. I explained the problem with the duplicate payment and that my credit card statement stated XXXX minimum payment was due as of XX/XX/XXXX, He stated that on XX/XX/XXXX XXXX BOA did a payment adjustment in the amount of {$520.00} on XX/XX/XXXX for the payment dated XX/XX/XXXX which caused a credit payment to be overdue. He told me that he would waive the late charges and interest if I paid the payment at that time. He advised me to make the payment on the BOA application which I did while I was talking to him. After he was able to verify the online payment he reactivated my credit card and removed all late charges and interest. I asked if my payment would be reported as late to the credit bureau and he said that it would not as it was not over 30 days late. 

Although the electronic payment was made on XX/XX/XXXX and posted on XX/XX/XXXX in the amount of {$520.00} pursuant to my phone call the previous day to BOA, another payment in the amount of {$520.00} was returned unpaid by BOA on XX/XX/XXXX for the payment dated XX/XX/XXXX. Bank of America had already done a credit adjustment for the duplicate payment of XX/XX/XXXX on XX/XX/XXXX which was shown on the XX/XX/XXXX statement. This was clearly a BOA error. I am being unjustly penalized due to their actions. See attachments. I made payments to BOA for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Thank you for your consideration of this matter.
Product: Debt collection

I am writing to report and bring awareness to a recent letter I received in a fraudulent attempt to collect a debt from me, through a debt collection agency " Southwest Credit. '' Letter was dated XX/XX/2020 After checking with the " Creditor '' I was informed that no debt was ever owed to them and that my account was current. The Creditor also stated that they do not, and have never used this debt collection company to collect any debt. 

The name listed on the attached " collection letter '' is also not my full, legal name and not the name I have listed through the " Creditor. '' After contacting the debt collection agency " Southwest Credit, '' I inquired about the debt and how they got my information. The person on their toll free line stated they had " obtained it through the DMV, as people tend to move and they need a current address. '' I knew this statement was untrue, as my full name through The Department of Motor Vehicles is not what was listed on their letter. 

I am writing in the hope that people will not be taken advantage of by scams such as this. Many people whom do owe money may have not been aware or taken the steps to investigate the legitimacy of this intent and would have been taken advantage of.
Product: Student loan

On XX/XX/year>, I reached out to Aidvantage chat customer service because I noticed that my overall loan balance went from {$160000.00} to {$170000.00} overnight. There is no explanation in my loan account of why my balance has increased. I am on the XXXX plan forbearance and currently have 0 % interest so I should not be accruing any interest. I was told via chat that I would receive a letter from Aidvantage after someone investigated. The letter I received only shows me the breakdown of all of my loans and it also says I am on 0 % interest. They also show how interest is calculated. My concern about why > $ XXXX was randomly added to my account has not been addressed and I would like this amount removed since I am on zero percent interest at this time. I have screenshots of Aidvantage with the previous balance. I also have my credit report showing that my student loan balance has increased. Again, I should have no interest accruing at this time and would like this issue addressed. Thank you for your help!
Product: Debt collection

I have been working on paying off any bad debts that are linked to my credit report. I have paid alot of money, and then I get a {$6300.00} collections reported on my credit report. I had no contact with anyone regarding it. I researched the company Radius Global Solutions LLC, and found they are not licensed in my state ( XXXX ). Not only that, but my credit report shows the original creditor is XXXX. My entire bill was ( so I thought ) waived and ended phone service free of charge due to being XXXX, and the months leading to XXXX. I had no knowledge of this debt, nor was I contacted. The collections agency is not licensed in my state. My old XXXX account that I had around the time I was XXXX was waived free of charge ( so I thought ) so this collection in inaccurate. It is currently preventing me and my family from buying a home. We have paid XXXX  of dollars in debt and then get hit out of nowhere with this. If I have been mistaken, I do not know what went wrong, or where. Not only this, but due to covid and many other big life events occuring, we fell behind on many things. We have paid nearly all bad debt that was still affecting us.
Product: Credit card or prepaid card

Aspire cleared the transaction history so I could not view it to hide that they " reversed '' an automatic payment, which was not refunded to my bank account, and then charged me a late fee on the day that I made my next payment. The automatic payment was according to my bank statement XXXX, and they said it was XXXX. Also, the late fee was about that much as well. They agreed to refund the late fee, but refuse to refund the false fee reversal claiming that it is my bank. Clearly they are hiding shady practices, and if my bank, XXXX XXXX XXXX, had received a payment for me, I would have it.
Product: Debt collection

Breach Of Contract, Many Businesses who have made Fraud misrepresentations, and false statements made false assertion Fraud debt. They're Intentionally used this method as tortious act to infliction of emotional distress. They are stealing my personal information, creating accounts through their system. Present i am grossly, affected by the Data Breach. and Fraudsters, using my personal information and is being passed on deception through Identity theft and XXXX  Data Breach files are being created in my names. Today received letter from XXXX XXXX XXXX XXXX. Referencing Calvary SPV 1, LLC and referencing XXXX XXXX  requesting {$1200.00}. Deliberate interference violated by the intentional torts of assault by calling repeatedly. I have never authorized this debt. My rights are being infringe upon. Over Two years ago, I am being taken to Court by XXXX XXXX XXXX, although, prevailed, in case they received a Judgement for this account in the amount of {$1900.00} on XX/XX/XXXX. Now they want more, I and being invaded by Debt collectors Data Base. I have been harassers ever since. I am being invaded by Debt collectors Someone attempting to collect a debt constantly calling phone calls on my cell phone. Constantly being taking to court by XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. Two days ago, received a box of XXXX XXXX with multiple transactions from multiple accounts that most are not mine file from XXXX ( stating I am requesting information ), which I didn't. Many Cases constantly being filed in court. Every day, I am being contacted for more money they say is owed in my name. What can I do? I do not own money.
Product: Vehicle loan or lease

There is a company called MISSION FINANCIAL SVCS personal loan company who run my credit without my permission and did hard inquiry on my credit. I realize this few days back when I was applying to buy a new car. I need to sue that company for without matching someones ID and simply run the credit by just getting SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX Acct # XXXX on XX/XX/23 & XX/XX/23 violated my rights according to 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose. Creditor sent a letter to rectify this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccuracy # 1- The account numbers do not match. XXXX and XXXX is reporting XXXX and Equifax is reporting XXXX. An account number is Identified by a specific number and there can only be one and it has to be completely correct.

Inaccuracy # 2- The date of last activity does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. The date of last activity determines the date of delinquency which also determines how long a collections can be on your credit. A collection account can only be on your credit report for 7 years and if this number is inaccurate that time can not accurately be determined. This also affects how long a consumer can be sued by a debt collector. The statute of limitations in Texas is 4 years and this needs to be completely accurate.

Inaccuracy # 3- The open date does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. These dates must all match and be the same. 

Inaccuracy # 4- The last payment dates do not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. The last payment date is also important in determining the date of delinquency. 

Inaccuracy # 5- The credit limit is reporting at {$500.00}, but the high balance is reporting at XXXX. Is is illegal to add fees to a collection. There was also never a break down of how this this balance was calculated. 

Other inaccuracies and violations include the account number being altered on Equifax. In XX/XX/XXXX the account number was : XXXX and in XX/XX/XXXX the account number is : XXXX. 

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information.
Product: Checking or savings account

My wife and I are authorized users on my son 's and daughter 's checking and savings accounts, which are all at USAA. My son 's accounts experienced fraudulent activity beginning in XXXX. The criminals gained access to his account and multiple online charges were made. USAA investigated and determined they were fraudulent, but multiple calls were made to and from my son with us and USAA. One of the calls used the same authentication process that USAA always uses but it was criminals. They gained access to his credentials, made a {$25000.00} deposit to his savings account, transferred the funds to his checking account, and then requested an official check to someone in another state that created a negative balance. The fraud department communicated with my son and told him they would be closing his accounts once the investigation completed and his account balances were returned to their state before the fraud took place. Today, USAA withdrew all of the funds from my wife 's and my checking a savings accounts, my son 's checking and savings accounts, and my daughter 's checking and savings accounts. Approximately {$10000.00} was removed from our accounts today, meaning we have no money to pay remaining bills and purchase groceries or fuel for the month. XXXX  of my children are college XXXX in other cities and now their accounts are also at {$0.00}. I spoke with a representative at the highest level at USAA Banking and she said that since my son was deceived by criminals posing as USAA and my wife is an authorized user on his account, they had the right to remove all funds from any other account where she is an authorized user. In addition to the funds USAA removed from these accounts today, they also never rectified the situation with my son 's savings account, meaning they didn't replace over {$5000.00} he had saved that was taken fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong person.This is my second time complaining about these false information they are reporting. im tired of it.
Product: Money transfer, virtual currency, or money service

Us 15 1681 fraud has taken place with this company and this company is not trying to take accountability on the behalf of a fraud that was taking place. Information has been compromised in their system and they do not want to take accountability for the matters at hand. I have ax over and over again regarding this matter to be rectified and resolved. I finally yet to get anything resolved at this present time and I am seeking help with this matter. I'm looking for resolution immediately on this behalf. It was stated on a rebuttal that this company is not a bank. Please identify what umbrella is chime?
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative Credit Reporting in error for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX due to break in service by Navient and unfair and unjust lending service and standards. Navient broke service failing to notify co-signor of loan amount due and status of loan, due to data base error on Naviet 's part during the time period of XX/XX/XXXX - XX/XX/XXXX. Navient had a database error and replaced current address co-signor provided and requested she be notified at, with old XXXX address resulting in co-signor not being promptly notified regarding student loan payments not being made in full. Navient in error replaced the co signors current address on file, with a XXXX address file from when the co-signor was a young girl with a SallieMae student loan outstanding, which was paid off in full prior to co-signing the military veterans loans. Naviet sent personal loan information to an unauthorized address instead of the address provided to the lender by the co-signor and caused a negative credit rating for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, as well as, undue risk to the co-signor. Once co-signor was made aware of issue co-signor promptly took action and put loan in good standing. Loan was being paid on during period of concern by borrower. Negative credit reporting on co- signors credit for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX should be promptly reversed due to break in service error by Naviet . Navient had good address on file for co-signor and co- signor made every effort to correspond with lender at all times. Navient broke service with co-signor regarding the financial product during the period of XXXX XXXX XX/XX/XXXX although address was readily available listed under co-signors social security number with Navient . Do-signor was always willing and able to pay on the loan cosigned which generates substantial income for Navient at a 4.5 percent rate. In addition, Navient Student loans cosigned were being paid on, small amounts of payments were being made by military person and his wife during the entire time period concerned. Family with XXXX children did their best to keep the loans in good standing while undergoing financial hardship. Once I was made aware of issue I immediately took action to pay on loan and put it in good standing. Co-signor has excellent credit otherwise and pays all bills at end of month, no other debt outstanding.
Product: Debt collection

They are attempting to collect a claim debt that is at least 45 days owed that a loan company used me deceptively to get a loan and made a claim on my behalf and I have to pay back they even want it if I close my account.I messaged chase to tell you someone filed a false claim to my account using a loan as the reason and I took the money so that my account does not get hacked and them take the money someone had my password and username I seen the claims but I did not pay attention thinking they were recent and there is just a record of claims. They want me to pay the money back but my account was hacked someone acted on my behalf to the claim center
Product: Credit reporting or other personal consumer reports

I received my credit report recently and noticed there is still a fraudulent account appearing. Reinvestigate and delete the accounts listed below : Account Name : XXXX XXXX XXXX Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within XXXX  days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX MT XXXX Inquiries : XXXX XXXX XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXX  XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

Higher Level Processes charged me for work that had already been done by my loan servicer and charged for a FREE service. 
Higher Level Processes charged a fee to recertify my student loans, recalculate a new loan, document preparation, program switch, etc. {$210.00} payable monthly for 6 months and then a {$39.00} annual fee. 
My loans had already been recalculated by my loan servicer, no charge. 
I thought that Higher Level Processes was a legitimate company because they already had a lot of information. They may have compromised my loan servicer account or my FSA account
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 ( MONTHS REPORTING LATE ) to 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. 


( CREDITOR NAME ) 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: Credit reporting or other personal consumer reports

These are fraudulent accounts on my consumer report, I have no knowledge of these accounts with Capital One
Product: Credit card or prepaid card

Capital one gave a pre-approval offer. Credit did not change, all details were verified but still came back as a decline, from what the agent said i should never had received an offer in the first place. This is in breach of firm offer of credit under FCRA. I provided verification of income and all other relevant details and my profile had not changed at all between the times. Misleading advertising and impossible to have received the offer. Hard inquiry placed based on misleading offer that was unachievable for me.