23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have repeatedly requested they take the payment in full as I placed an auto payment on my account to pay the balance in full. The very next month, they didnt take the money and gave continued to report my credit as late. They repeatedly tried to charge my debit card that was expired and I CAN NOT UPDATE IT ON THEIR APP. They have my bank account information but never bothered to use it, only continued to report my account late to the credit reporting agencies. Today XX/XX/2024, they emailed me stating that they will be initiating a payment for the balance of {$71.00} from my bank account because they FINALLY see that I have an automatic payment for the full balance. They have RUINED my credit and anytime Ive reached out to them, they have no answers and I only talk to a bot after REPEATEDLY requesting to speak to someone to solve this. I have been trying to fix my credit and this has been a huge hindrance on my mental health as well as my ability to obtain a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX it's been more than 43 days since i wrote and they haven't responded to me, according to the law section 611A. they must remove everything that can not be verified from my credit and i was avictim of the Equifax data breach
Product: Credit reporting or other personal consumer reports

Account showing 60 days past due in XXXX XXXX. however on time payments in XX/XX/year> and XXXX XXXX this cant be 60 days late if months before and after are on time payments. This account needs to be removed for inaccurate reporting like this throughout its history.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report. 

10. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

My payroll direct deposit went into the Laurel Road checking account. The bank has restricted/frozen my entire balance of {$2200.00} resulting in financial hardship. I have been unable to pay my day to day bills for over 7 days. I have called several times and Im the sole owner of the account. My payroll matches the name and address on the account and the account has had my direct deposit going into it for several months. I researched online and many consumers are experiencing and complaining about the same issue or scam with this bank taking weeks or months to un-restrict the account with no valid explanation. I do not owe Laurel Road any money or fees. Im getting the run around of when the account will be unrestricted. They are not providing any sort of timeline while all my bills are piling up. According to the bank its a fraud hold for my own protection. The bank holding funds from a payroll deposit when you dont owe the bank any fees or money seems to be more of a scam here. Please assist with my filing my complaint. I have had many checking accounts over a 20 year period and never quite seen anything like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes against items on my credit that are inaccurately there. Payday loans, XXXX XXXXXXXX XXXX, a couple store credit cards and an old XXXX  bill that was sent to collections that I disputed directly with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... GLA COLLECT ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card

My Capital One card initially called to assist me with payment so that I could avoid being late on the payment and mislead me and it keeps reporting the late payment. I had contacted them numerously about this and they refuse to rectify the bad reporting to the credit bureaus.
Product: Credit card

I file a purchase protection claim with Citicard. The claim was denied for wrong reason : " package was under care of third party '' ( wrong ) " package was in an in-secure location '' ( wrong ) I tried to file an appeal and was told I can't The basis for my claim is that the advertised benefit of purchase protection is misleading and the reasons for denial are arbitrary and do not take into account the facts
Product: Prepaid card

I received two prepaid cards from my place of employment. I lost the cards during a move. Now that I've found the cards it appears they are outside the expiration date of XX/XX/23. I attempted to have the company reissue cards with the remaining balance and was told the cards are expired and funds no longer available. One card had XXXX dollars and was never used and the other card originally had XXXX dollars and I'm unsure of the remaining balance on it. Can prepaid cards could expire and funds be confiscated?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update or repair these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

South State Bank Mortgage Negligence for XXXX  and XXXX XXXX XX/XX/XXXX We received an annual escrow account disclosure from our Mortgage Lender, South State Bank, XX/XX/XXXX. The statement indicated that our mortgage payment would go up {$200.00} a month due to low balance in our escrow. We called the same night and spoke to a representative and determined that the Escrow department significantly under estimated our homeowners insurance, even though they had a copy of our homeowners insurance statement from our closing in XX/XX/XXXX and a recent adjustment to our homeowners insurance. It was determined that South State was at fault. 
We called the next XXXX XX/XX/XXXX XXXX and spoke to supervisor XXXX  and I asked for a letter stating XXXX XXXX XXXX an error in their projection. She assured me a letter would be sent to me. 
On XX/XX/XXXX We made a payment to our escrow account of {$1400.00} to keep our mortgage payment lower. 
On XX/XX/XXXX we still had not received a letter. I called XXXX I called South State Mortgage Servicing department and spoke to supervisor XXXX XXXX XXXX XXXX and she assured me the same letter would be sent to use within 3-5 business days. 
On XX/XX/XXXX, we noticed the escrow payment was sent to our principle. So, we called South State to correct the error and they assured us it would be corrected. 
On XX/XX/XXXX, we received a Mortgage payment statement and the escrow payment had not been resolved. We also received a letter stating the escrow shortage is under review. This is not the letter we requested. We requested and two supervisors stated they would in fact send us a letter stating the escrow projection was in error. We called the mortgage servicing department the evening of XX/XX/XXXX and spoke to supervisor, XXXX. She said she saw the error where the additional escrow payment was applied to the principle and would immediately correct it. She also stated she would inquire about the letter and call me back. 
XX/XX/XXXX. As of this morning none of the issues have been resolved and XXXX never called us back. 
We consider this Mortgage negligence and will be seeking counsel. 
XXXX  and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested the immediate removal of XXXX inquiries from my Experian Credit Report on several different occassions from their XXXX  DEPARTMENT who gave me numerous false issues stating that its their policy not to remove before within a XXXX year time period! I explained multiple times that I NEVER AUTHORIZED the PULLING of my credit report from any of the XXXX companies!
Product: Consumer Loan

I went to XXXX and filed for a loan their number XXXX, ive spoken with a man named XXXX and XXXX. at ext XXXX and XXXX they claim that when you pay XXXX for the first initial payment, they then will place the money into your bank account. Once they receive the money, they do not place the money into your account and they continue to tell you that they need another XXXX dollars to do the transaction. they are using a phone number for XXXX Illinois and the police department in Illinois stated that they are a fraudulent company claiming to be in XXXX Illinois and after they investigated the company, they found there is no company. They believe this company to be overseas. I have receipt showing money was transacted, text to show they contacted me. Please I need you to return my call regarding this fake company. my number is XXXX and my name is XXXX XXXX. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 to present date Transunion and XXXX are reporting inquiries and accounts that I do not consent to, authorize, nor have I benefited from. I have contacted the consumer reporting agencies and creditors to investigate this fraud and remove the inquires and accounts. I had been successful in removing several of these fraudulent accounts and inquiries but have not been successful in eliminating them all. I have called numerous times to the consumer reporting agencies and the creditors in question. I have also written to the consumer reporting agencies with proof of my identity, to request that the remaining fraudulent accounts and inquiries be investigated and removed. The most recent response I received back from the consumer reporting agency stated they would not be removing the inquiries and will continue reporting for 2 yrs. 
Between XXXX and Transunion I have 16 inquiries being reported that I do not consent to, authorize, nor benefit from. These fraudulent inquiries and accounts have put undo stress on myself and my family, defamation of my character, and credit slander. 
At no time did I give written instruction to the above consumer reporting agencies to report on my behalf. Pursuant to15USC1681b ( a ) ( 2 ) Permissible Purpose and 15USC1681 ( a ) ( 4 ) Accuracy and fairness, I am requesting the immediate deletion of the fraudulent inquiries being reported by Transunion :. 
The following ( 9 ) hard inquiries I DO NOT CONSENT TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX I am requesting the the immediate deletion of the fraudulent inquiries being reported by XXXX : XXXX 
The following ( 7 ) hard inquiries I DO NOT CONSENT TO : XXXX XXXX XXXX XXXX XXXX XXXX - x2 inquires with this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reported the identity theft thru FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX did not authorized these following creditors to inquire about my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX Bank ) OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED 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 an account without my written instructions.
Product: Student loan

I applied to have my co-signer released after making 12+ on time monthly payments, building my credit history over the last year to XXXX and meeting all of the other requirements that Navient asked for. 

They declined my request to release my cosigner stating that my installment debt amounts are too high. Of course they're high, I went to a good, but expensive private school and can't pay off $ XXXX in debt in a blink of an eye. I've been making payments since 2011 and since most of the money I pay goes to interest, it's out of my control that the principal balance doesn't decrease at a fast rate. 

I have great credit history, made all my payments on time for more than a year and my credit history has proven that I'm very financially stable. They didn't take long to deny my request so that my mom can't be let go as a co-signer since they want as many people on the hook as possible. 

On top of so many other sketchy activies and predatory practices that this company has been involved with, this is just icing on the cake.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XX/XX/XXXX Credit Reporting Agency Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Subject : Dispute of Inaccurate Information under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute an inaccuracy on my credit report that I obtained from your agency. Under Section XXXX of the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information, and I am requesting that you take the necessary action to correct this error. 

The item in question is as follows : Account Name/Number : XXXX XXXXXXXX XXXX and XXXX XXXX  XXXX Nature of Dispute : Charges that are inaccurate due to the personal information being compromised and exposed to third parties Reason for Dispute : The information is incorrect, e.g., the account was exposed and sold to a third party and my personal information has been compromised. It is to my understanding that the accounts listed above were sold to a XXXX  party without my permission and has put my personal identity at risk and has caused fraud charges and great damage to my credit report. 
I have reviewed my records and have found that this information is not accurate. I request that your agency investigate this matter promptly and, as required by law, correct or remove the inaccurate information from my credit report. Please provide me with a copy of the results of your investigation. 

As per Section XXXX of the FCRA, I understand that credit reporting agencies are liable for damages resulting from their negligent noncompliance with the law. Should your agency fail to promptly correct this error, I will consider taking further action to protect my rights under the FCRA. 

Please notify me in writing of the actions you have taken to resolve this dispute. I appreciate your prompt attention to this matter and expect that this issue will be resolved in accordance with the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XX/XX/XXXX Driver License number XXXX
Product: Debt collection

I am being charged for a place of residence that I have never in my life resided. Im being held accountable for something I am not responsible for and its really affecting my life. Im not able to get a car, a new place to live, a phone I am unable to do anything because of this. It very unfair and I am looking to resolve this and start building my credit. Please look into this matter as I feel like Im either being scammed or fraudulently accused!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX/XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Prepaid card

With a balance of approximately {$42.00}, I attempted to make a gasoline purchase at the pump. When I entered my zip code, the sale was rejected. The balance on the card is now {$0.00}, and the card issuer says it can take up to 14 days to restore the balance to the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

{ RE : Second Chance To Cure You Violated The United States Code Law XXXX code 1681b - Permissible purposes of consumer reports 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. 
Infringed upon my right to privacy. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. 
As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method Of Verification you have used in determining the accuracy of the above-listed information. I do not consent to the use of E-Oscar as a verification method.
Product: Credit reporting or other personal consumer reports

I am requesting the following CREDIT INQUIRIES to be REMOVED from my credit report.These have not been authorised by me. CONTACTED EACH OF THESE CREDITORS, and was advised that nothing was found to show that I solicited a credit check in their system. 

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 Thank you.
Product: Credit reporting

I have attempted to have the verbiage changed on the status of this account in question with the original creditor and Equifax. i have received a letter from the original creditor stating that the status would be changed. Instead of changing the status of the account Equifax just added another status, which in no way fixes the issue. The original account status stated, claim filed with government. This was suppose to be changed to transfer to other office/default. Equifax just added this comment to the status instead of changing it. Now it states, claim filed with government and transferred/sold. All that Equifax needs to do is remove the verbiage, claim filed with the government. Please help! This verbiage on my credit report is making it impossible to qualify for a mortgage. The mortgage broker advised me that this statement could mean I have a judgement lien against me, and this by no means is the case. Again, please help me get this corrected. I will attach files of the original creditors letter, and the updated account on Equifax.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the inaccurate items in my file that resulted from an incorrect reporting but I still have ITEMS left that needed to be removed. I recently conducted a review of my recent credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. I contacted the companies listed below and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request, and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- TRANSUNION XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX KY XXXX. Please remove these inquiries at your earliest possible convenience, as I am going to be applying for a mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.