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

Hello, This started in 2021, when I finally checked my credit for the first time after noticing old bills in my name in my mothers home. She XXXX XXXX and we were cleaning out her home. I saw that it was a charge off and I been trying to dispute it ever since. At first, Discover didnt tell me I had to create the identity theft report or anything, they only told me that itll be on my credit for 7 years. I was confused because it didnt make sense. The worker did not care and was rude. XXXX XXXX XXXX military stationed in XXXX XXXX for the last two years. This past year I sent my information with EVERYTHING, FOUR times. Due to my work hours and the time difference I try my best to contact everyone and get names of people but Im always led wrong number after another. I even sent all of the required information by mail to XXXX AND Discover. XXXX is telling me that I probably need a police report as well as the XXXX XXXX XXXX paper but how can I make a police report on a person that has been dead for a year? I called them time and time again. Discover is still saying that my information is correct. Im thinking, of course its correct because my mother is the one that took a credit card out in my name! Not me! Ive talked to XXXX and XXXX and they were nice and explain to me to keep disputing it. This is absolutely ridiculous. Ive also attached my mothers death certificate because it feels like no one is listening to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a complaint open but have now realized the date of account closure was listed as XX/XX/2022 on XXXX XXXX instead of XX/XX/2022. That needs to be corrected in my complaint. I went by what was reported on XXXX  which does not match data on XXXX XXXX. I did not want to add anything on my complaint that I could not document and I now have access to that information. The account was closed after one missed payment due to their false reporting of payments and dates. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed account on my credit report held by : XXXX XXXX RISE CREDIT on several different occasions. Credit bureaus keeps sending back verification without information as to who they got information from within debt collection agency. They state they will not reinvestigate conflicting information on my credit report I disputed reporting information XX/XX/2019 and XX/XX/2019 Account is being double reported against laws FCRA. There is also conflicting reporting of balance owed. Account was also changed from paid in full to charge off status in XX/XX/2019. I was never sent a re-insertion letter from this status change.
Product: Debt collection

After reviewing my credit profile I identified a discrepancy with an account listed under National Credit Systems and validation was requested by email on XX/XX/XXXX as this was an account I did not recognize and would like more information as to how this could be my debt. I reviewed my credit report again XX/XX/XXXX and the account still reflects on my credit report and I have yet to received any correspondence from the creditor to validate this account as correct.
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively impacting my XXXX score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my XXXX score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on XXXX  scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a company called Premier Student Loan Center told me they could get my student loans forgiven. I found out today this company is fraudulent. I would like to get back the money I paid them and make it so they don't withdraw any more. I am afraid they will use my personal information for more fraud. I don't want this to happen to any other people that have student loans. So far they have taken 2 payments of {$190.00} each. 

If you have any other questions please contact me at XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE-ACCOUNT TYPE INACCURATE ACCOUNT STATUS- DATE OPENED-DATES DIFFER FROM TRANSUNION, XXXX & XXXX BALANCE- AMOUNT DUE AFTER ACCOUNT WAS CHAREOFF HIGH CREDITXXXX AMOUNT DIFFER FROM TRANSUNION, XXXX & XXXX LAST REPORTED- DATES DIFFER FROM TRANSUNION, XXXX & XXXX DATE LAST ACTIVE- DATES DIFFER FROM TRANSUNION, XXXX & XXXX DATE OF LAST PAYMENT-DATES DIFFER FROM TRANSUNION XXXX XXXX XXXX XXXX PAYMENT HISTORY- DIFFER FROM TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX XXXX complied with this requirement.
Product: Debt collection

I am promised accuracy in my report based on federal law. I am filing this complaint as another attempt to have these errors corrected on my report. 
Under 15 U.S.C. 1681b all errors must be promptly removed. 
( e consumers must be given the option to opt out of such offers ). 
As you can see in your system you can not verify and validate this information so I request that you remove it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate this alleged collection account : Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How XXXX the XXXX is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX {$1000.00} XXXX -- XXXX XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$730.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$710.00} XXXX XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding muilple overdraft fees have incurred. Despite having sufficient funds when transactions were authorized, I was charged fee do to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal fir similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account.
Product: Credit card or prepaid card

I applied for a Discover credit because they advertised the below information : " Annual Percentage Rate ( APR ) for Purchases 0 % intro APR for 14 months from date of account opening.

After the intro APR expires, your APR will be 13.49 % to 24.49 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers 0 % intro APR for 14 months from date of first transfer, for transfers under this offer that post to your account by XX/XX/2020. 
After the intro APR expires, your APR will be 13.49 % to 24.49 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate. " After I received the card it said the 0 % intro APR is for " 6 months '' not " 14 months ''. I called and I was told it was " based on creditworthiness. '' I stated the advertisement does not say that it states " After the intro APR expires. ''
Product: Credit reporting or other personal consumer reports

i was attempting to get a new house and there are several collections and closed accounts being reported on my credit report that are unauthorized without my permission. according to law 15 U.S.C 1681 the collections are contributing to XXXX  of my character.
Product: Credit reporting 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. 

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 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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, credit repair services, or other personal consumer reports

I filed a complaint against Experian about some fraudulent accounts and address on my personal credit report. Experian would not even investigate the claims of fraud based off whatever they have on file from the company. It's my credit report and I have proof that the accounts was open fraudulently by someone else. I sent in all documentation requested from me. Police report, letter of XXXX at the time the accounts was opened, utility bill of where I stay and been staying. Look over the computer its easy commit fraud and you can get fraudulent documents from anywhere online nowadays. But the disturbing part of this process is EXPERIAN not even putting no efforts to help consumers. They not sending no type of proof that will confirm I opened these accounts. They just don't investigate it and send a response saying they not gone investigate the matter because the company said its valid. Thats not fair to the consumer who credit this is affecting. It's my credit report that they suppose to be protecting, but they taking the company words over mines. Of course the company gone keep trying to collect on a account, but the account was opened fraudulently. I can see a huge class action lawsuit coming Experian way because this is unfair to people to just look the other way when someone proving that they have been a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

( UNFILED ) Hello XXXX XXXX, Experian the CREDIT REPORT AGENCY keeps signing me up for services I did not sign up for. This will be the XXXX time Experian signed me up for member services that I did not consent to! I am now demanding 1000 $ from Experian within the next 14 business days for signing me for something I did not consent to!! XX/XX/XXXX I received a WELCOME BACK TO Experian Email! Welcome back where? I'm so confused! This is not the first time they've done this! So every time I speak with your company via phone I record the conversations. I listened to all the recorded conversations and during the conversation I stated I do not want to sign up with member services! Experian is a SCAM. Also in the fine print what Experian don't share with consumers is that if one sign up with member services, Consumer is signing their rights away to SUE Experian! Experian do not share that with consumer 's. I stated before during the recorded conversations I only want to be notified via mail! I told Experian atleast XXXX different times to remove my email from the database! WHY DO EXPERIAN STILL HAVE MY EMAIL ADDRESS? WHY IS EXPERIAN STILL CHOSING TO COMMUNICATE WITH ME VIA EMAIL? AFTER I TOLD THEM TIME AFTER TIME TO STOP! So Experian owes me 1000 , I am putting Experian on notice! DO NOT COMMUNICATE with me via email. REMOVE ME FROM YOUR MEMBER SERIVICES PROGRAM!!!!! The program I did not sign up for! The program once signed up, consumer 's can not sue for violations. REMOVE MY EMAIL ADDRESS & STOP SIGNING ME FOR YOUR PROGRAM. Should Experian continue to keep signing me up for services w/o my consent, I will send this over to my attorney. This is FRAUD. I expect to receive 1000 $ check USD in the mail within the next 14 business days for violating my consumer 's rights! My proof is all recorded conservations that I had with Experian stressing to remove my email, and stressing that fact that I do not to be apart of the member services or receive any form of communication via email as of last year! IN this complaint accompanies a copy of the email from XX/XX/XXXX a welcome back email from Experian. My address is the XXXX XXXX address, please send the check to that address
Product: Credit card or prepaid card

Citi-bank ( Sears ) Statement issued XX/XX/XXXX Balance remaining {$160.00}, of which {$130.00} was a previous promo expiring XX/XX/XXXX. Payment due XX/XX/XXXX. Payment of full balance paid XX/XX/XXXX. So my promo balance was paid within the time alloted for no interest. 

Convenience check issued XX/XX/XXXX. {$4800.00} + {$240.00} ( 5 % fee ). 

Received new statment. Shows full amount of past balance as XXXX. 
Shows the convenience check XX/XX/XXXX {$4800.00} Shows fee 5 % of {$240.00} Shows interest charged {$2.00} to regular purchases. 

Applied payment, not to my past balance, but only {$32.00} was applied to past purchase balance, not applied to the interest charged and {$130.00} was applied to the convenience check just issued. This means the {$130.00} is now subject to $ XXXX % interest. 

I contacted them, explaining the payment made and wanted to know why they are charging me interest. They said they can apply the payment wherever they wanted and they would not change how my payment was applied. 

The only recourse I have is to make payment in full for full balance or continue to be charged interest on the {$130.00} and interest on the interest because they apply all payments to the convenience check before anything else. 

I am now requesting that you look into this and please get them to apply my payment correctly?
Product: Credit reporting, credit repair services, or other personal consumer reports

This a formal complaint against TransUnion regarding inaccuracy on my credit file. On XX/XX/XXXX, I discovered that XXXX XXXX account number XXXX opened XX/XX/XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX and XXXX which I have proof. I know that CRAs do not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified TransUnion in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX and XXXX by DELETING/REMOVING this account from my credit file.
Product: Credit card

On XX/XX/XXXX I went in for a XXXX  visit at XXXX XXXX in XXXX for the first time and was sat on the XXXX  chair and was sitting there for about an hour while someone at the front desk was crunching numbers and would get back to me in a few. I guess she was running my credit report to find a creditor that would cover my dental expenses that I was still not sure of what these were or the breakdown of any XXXX  at this point. I had a bad feeling at this point and wanted to walk out but unfortunately did not. I decided not to go with any XXXX  treatment at this facility due to their ethical behaviors starting with the XXXX XXXX  XXXX XXXX. I left the office without a treatment plan cost because they did not want to provide me with one even after I asked them to give me one. 

Long story short, I tried calling the XXXX  office to dispute charges that arrived in the mail from Alphaeon credit and was unable to reach someone in billing due to voicemail being full and not accepting messages which I believe is for a reason. I tried calling, texting, emailing, and finally an email came back from XXXX XXXX which I responded to with the information she asked for but I never heard back from her. All phone calls to dental office are unresponsive from anyone on the dental team. Finally, I decided to go directly to credit card company and dispute with them. On XX/XX/XXXX I mailed out a dispute letter to Comenity Capital Bank ( Alphaeon Credit ) regarding the matter and have not heard back anything yet. So far my credit report has taken a hit due to this matter and want to have it cleared off my record. Don't know if this is a matter I can report to the XXXX XXXX XXXX California. ( I can provide copies of my emails to dental office and dispute letter to Alphaeon Credit ) Any help or guidance would be greatly appreciated. Thank you in advance for your assistance.
Product: Money transfer, virtual currency, or money service

PAYPAL : I reported an unauthorized transaction, and followed the request and steps from Paypal. XXXX minutes later I got an email from paypal telling me " After extensive investigation, and we find the charges are valid ''. I have asked how they could perform a diligent investigation, within XXXX minutes of my complaint. They have no number to call that will assist me. I plan to take legal action and have decided to form a complaint here first. 

XXXX XXXX XXXX case number : XXXX Unauthorized and fraud use of my bank card, by PayPal, and not diligently investigating my claims is a violation of XXXX. As well as fraud, by allowing a fraudulent transaction to take place on their platform
Product: Debt collection

I received a call to my mobile phone looking for my wife. I was told it was concerning a small business matter and they failed to identify. I stated please tell me what company do they represent and what business matter, and they refused to answer repetitively. I Did say my wife is not at my number. I stated since they are refusing to properly identify themselves that any numbers they have on file are to no longer be used to make contact and furthermore only contact regarding the small business matter through mail. And any further attempt to contact by phone in this small business matter can be met with civil litigation. I was then told the are from Portfolio Recovery Systems. At this point I was also told they are ending the call. This happen XX/XX/19. They just called again XX/XX/19.