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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX Balance : {$8700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

from your website : CFPB Orders TransUnion and XXXX to Pay for Deceiving Consumers in Marketing Credit Scores and Credit Products they are still deceiving people looking for their credit score ..the transunion.com website will not show credit score.. has a link " to see your credit score '' only way to see your credit score from transunion .. you must purchase your credit score by signing up for XXXX per month. 

on top of that i applied for a medical loan for services not covered by insurance through XXXX  and XXXX  XXXX XXXX through my doctors office .. loan was denied information supplied by transunion siad my credit score was XXXX. 
XXXX  and XXXX show my credit score as over 700 on top of that transunion is incorrect showing my mortgage was not paid. i dont have time to correct then reapply for medical expenses loan..
Product: Debt collection

This is actually 2 things simultaneously ( harassment and debt already paid ) XXXX XXXX XXXX has continued to call me and harass me about a current and paid as agreed American Express Account, that is OWNED BY AMEX. 

XXXX XXXX has called me 14X after I stated do not call me. 

XXXX XXXX is repeatedly harassing me on the phone, asking me for money on the monthly payment due that have already been paid directly with AMEX. 

XXXX XXXX today, called me about my American Express account, in reference to a XX/XX/XXXX payment due of {$41.00}, which was paid on XX/XX/XXXX, to the amount of {$150.00}. 

I told them our business is concluded and there is no reason for them to call me, and I have explained that I am under doctor 's orders to reduce stress, and I told them this several times. Their calling has aggravated my health condition. Beyond that my account is paid. Paid is paid. You can't get more perfect than paid. So why are you calling? Just to harass me!! 

Here are the details : XXXX Documentation : XX/XX/XXXX Statement : {$1900.00} Past Due {$160.00} Due Date : XX/XX/XXXX Paid {$200.00} XX/XX/XXXX Even though Paid and Current, XXXX continued to call and harass me, on XX/XX/XXXX, THREE DAYS AFTER PAYMENT. Therefore, to avoid future harassment, I decided to pay the NEW statement, which had just posted that same day, which was {$41.00} to be paid by XX/XX/XXXX. In an effort to keep them from calling and harassing me, I paid a SUBSTANTIAL higher amount, 25 days early. As reference next. I PAID {$150.00} instead of {$41.00} in advance. As in early. 25 days early. Yet they called today to keep harrassing me. 

XX/XX/XXXX Statement : {$1700.00} Min Due : {$41.00} Due Date : XX/XX/XXXX Paid {$150.00} XX/XX/XXXX Clearly this is repeated violation of the FCRA. Ive repeatedly expressed to never call me, and especially do NOT call me when my account is current. I have 3 REV PAR taped recordings conveying my wishes to them as well. 

American Express is an Accomplice in this by knowingly and willingly allowing this behavior. I have reported it to several account managers at America Express. This is not an external collection, but their internal account services team I have been told. 

I have also never received ANY communication regarding my debt through XXXX. They just started calling me one day. 

I have contacted 2 law firms today discuss my case as well. One located in XXXX, and one is a large National Firm.
Product: Mortgage

We have a signed agreement for biweekly payments. The additional payment each year is to be applied directly to principal. They have not done this properly. We have inquired about it several times now. Nothing has been resolved. There have been no follow up phone calls or emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$2500.00} XXXX XXXXXXXX XXXX {$1800.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EQUIFAX located in XXXX, XXXX  ; XXXX located in XXXX, XXXX  and XXXX located in XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely EQUIFAX, XXXX AND XXXX has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Student loan

I had my federal student loans at multiple places, ACH and FedLoan, and applied to have it consolidated, to FedLoan. During the consolidate however ACH decided that they to sell my loan, to XXXX. FedLoan never bothered to verify that information was still accurate after they completed their process before they sent the money. FedLoan is now charging me for the new consolidated loan even thought the original loan still exists. ACH has now been paid twice for the same loan they claim to have sent the money to XXXX however XXXX claims to never have recieved it, even though it has been over a month, and is continuing to charge me for the loan. I have spoken to customer service at each company multiple times and all they do is tell me to call the other companies. Having the loans duplicated is hurting my credit and having to pay the same loan twice is straining my budget. Even if I eventually get this worked out and get reimbursed the money I am paying to the principal, I doubt I will ever get back the payments I am making to the interest. Right now everyone is making money off of me and I end up with double the debt and having to pay the same loan twice, and the longer this goes on the more it is costing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an alert from XXXX XXXX  through my account XXXX  appt. 

Alerting me that ; XXXX XXXX XXXX  Alert Msg : I have a new credit inquiry on my credit report Made by : XXXX  For credit card ( or ) loan credit inquiry affected my FICO credit. 

I have not applied for any credit cards nor any loans of any kind and extremely concerning That such an agency- company as " Credco '' make an inquiry on my credit with out my knowledge, or written permission. 
I am not XXXX  nor have I contacted Credco OR request that any company do on my behalf. 

I want Credco to restore my credit ( FICO ) report. 

Please look into this complaint and immediately address accordingly and restore my credit report due to illegal fraudulent activity. 

XXXX XXXX  is activity looking into this matter as well since they thevones who notified me.
Product: Debt collection

I am getting calls on a daily basis from a number unknown to me and when a voice mail is left they give no information as to the company name or a specific person to contact. only to contact this number in regards to file number which I have no knowledge of.
Product: Debt collection

On XX/XX/XXXX and again on XX/XX/XXXX I sent a certified letter to LVNV FUNDING LLC. In response to a notice I received from them stating that I owe XXXX and XXXX. I wrote them asking that they send me in writing a validation of debt letter containing the following : 1 : money they say I owe.

2 : How was that amount determined 3 : Provide copies of all signed agreements from me and creditor bearing my personal signature stating that I agreed to pay such amounts.

4 : Provide me with proof that the statute of limitations has not expired.

5 : show proof that they are licensed to collect in my state with their license number 6. A valid, legible copy of the agreement stating the debt and interest charges.

They failed to comply with my request by sending me a verification of debt letter and also a letter to falsely claim that I was a victim of identity theft. They not only failed to comply with my requests but also violated my rights under the FDCPA and FCRA ( reference code ) ( 15 USC 1692g Sec. 809 ( b ) ).
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX, as reporting agencies, did not receive consent from me, as the individual to whom the record pertains, to disclose any record of my information. Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. An inquiry comes up on a credit report when there is a request to see your credit report from a company or person. This means that in order for a reporting agency to follow the privacy act of 1974 before disclosing my information to a person or company they should contact me and get authorization to do such actions. This was not done, but there are hard inquiries showing on my credit report none of which are linked to open accounts. Not only are they a violation of the privacy act of 1974 because my information was given to these companies without prior consent, but Unless you, as the reporting agency, can provide me with documentation proving these inquiries are linked to an open account on my credit report they need to be removed per 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to have a fraud alert removed from my account on Experian. You can not contact anyone by phone or email. The only way to contact or file a dispute is by uploading documents and filing the complaint/request online or mailing in the form. I attempted multiple times to fill out the form and upload documents. I got an error message multiple times on multiple days. I finally mailed in the documents and waited weeks for a response. When I finally got a response, it made no sense at all, did not include the information the letter said was included, and did not remotely resolve my issue. I tried again to upload a copy of the letter they sent and ask why it didn't include my credit report or list of results the letter promised, and again got the error message on the experian site. I tried several times and was not able to upload documents or ask any questions. A company with this much power over my ability to use my credit card should not have no way to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, unauthorized and unknown to me. These accounts are a work of a fraudster. My identity has been stolen and highly compromised, therefore I'm demanding that these accounts be removed immediately. 

1 ) XXXX  {$1000.00} 2 ) XXXX XXXX {$300.00} 3 ) XXXX  {$790.00} 4 ) XXXX  {$500.00} 5 ( XXXX  {$500.00} 6 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$790.00} 7 ) XXXX XXXX {$470.00} 8 ) XXXX XXXX {$310.00} 8 ) XXXX XXXXl {$730.00} 9 ) XXXX XXXX {$160.00} 10 ) XXXX XXXX {$110.00} 11 ) XXXX XXXX {$60.00}
Product: Payday loan, title loan, or personal loan

I had not not fully gone for the loan and was charged with a hard inquiry.
Product: Student loan

I have an agreement with my loan servicer, Nelnet, to pay {$100.00} ( restarting in XXXX of 2023 ) to pay for my two federal student loans. On XXXX, I was charged {$590.00} for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged {$300.00} for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged {$590.00} for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged $ XXXX for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged {$100.00} for " DEPT EDUCATIONSTUDENT LN '' ( I'm assuming this is the Nelnet charge ). 

I called Nelnet 's customer service line on XXXXXXXX  and was informed by their representative that they show no history of the two ( 2 ) {$590.00} charges and no history of the two ( 2 ) {$300.00} charges ; they only see history for the one ( 1 ) {$100.00} charge. My overall outstanding student loan balance of {$12000.00} has not changed over the past two months even though my bank account was charged {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX : {$880.00}, XXXX XXXX XXXX : {$3000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, it is crucial that consumer reporting agencies uphold fairness, impartiality, and respect for the consumer 's privacy. XXXX, XXXX and Experian are three such agencies, but as the consumer, I have the right to ensure that my private information is not shared. This right is supported by legislation that emphasizes financial institutions ' obligation to protect their customers ' nonpublic personal information. 

As a financial institution, the furnisher of information to credit agencies is obliged to respect my privacy and can not divulge any nonpublic personal information without my written consent. XXXX, Experian, and XXXX, the furnisher of information to credit agencies do not have my consent to share my information, and any prior consent is now revoked. 

Furthermore, according to the legislation, a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise their nondisclosure option. The furnisher of information to credit agencies did not inform me of my right to refuse disclosure. 

The consumer reporting agencies, XXXX, XXXX and Experian, are also violating the law by reporting adverse information without consent, as well as inaccurate information. They should have reasonable procedures in place to prevent such violations and limit the purposeful sharing of consumer reports. 

Therefore, in compliance with 12 CFR 1016.7, I am opting out of their reporting services.
Product: Debt collection

A friend of mine from high school first called me 2 weeks ago stating a debt collection agency had contacted her, seeking out for me. She informed them that I was out of the country and had no means of communication with me. This week they have called her again and she contacted me about it. Once I asked her how many times they called, she told me this week was the third call made. 

Are they allowed to repeatedly call third parties?
Product: Money transfer, virtual currency, or money service

Paypal has been charging XXXX  sellers for cancelled transactions since last year ; so when a buyer cancels on a paid transaction the seller loses the 2.9 % plus the XXXX fees. 

One example : XXXX payment received from XXXX XX/XX/2020 at XXXX XXXX PSTTransaction ID : XXXX Payment Status : REFUNDED Payment Type : Checkout Gross amount {$180.00} USD Payment details Purchase Total {$170.00} USD Sales Tax {$10.00} USD Shipping Amount {$0.00} USD Handling Amount {$0.00} USD Insurance Amount {$0.00} USD Gross Amount {$180.00} USD PayPal Fee- {$5.00} USD Tax collected by XXXX- {$10.00} USD Net Amount {$160.00} USD Transaction ID : XXXX Also the seller has to pay extra on transactions in XXXX when the payment is out of the US -- why should that be the seller 's problem??

Example : Purchase Total {$85.00} USD Sales Tax {$0.00} USD Shipping Amount {$0.00} USD Handling Amount {$0.00} USD Insurance Amount {$0.00} USD Gross Amount {$85.00} USD PayPal Fee- {$4.00} USD Net Amount {$80.00} USD Transaction ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I had a balance of {$21.00} And I paid my bill in full on XX/XX/XXXX. I also called in the same day because my bill was due on XX/XX/XXXX and I was late. I typically do not carry a balance monthly with XXXX and I thought my bill was due on XX/XX/XXXX I spoke with a representative and she advised me I would not be charged a late fee and they would waive it as a courtesy and I would not be reported to the credit bureau as being late. What has happened is the rep never waived the late fee for me in XXXX and for the next seven months going forward since XX/XX/XXXX to XX/XX/XXXX I have been charged a late fee every single month! And I also received a letter that my credit limit has dropped from $ XXXX- {$3000.00} and now my credit limit is {$100.00} I have called every month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX for this to be fixed and they all told me they couldnt help me and I told them that I am not paying seven months of late fees as I do not carry a balance on my credit card I paid that. Finally on XX/XX/XXXX I spoke with a supervisor XXXX and he made me pay {$22.00} and he waive the late fees and brought my balance to XX/XX/XXXX he also told me he would fix with all three credit bureaus and I also sent in a letter which they asked me to for them to fix my credit reports not report me as being late on all three of my credit reports it shows my account being negative. As of today XX/XX/XXXX my account still shows negative on my credit reports and my credit limit is only {$100.00} and nobody has fix this yet
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to find inaccurate accounts listed, and I have no clue how they appeared. I check my report regularly, yet these discrepancies suddenly showed up. I even tried refreshing my browser, hoping it was just a minor glitch, but the errors persisted. Because of this, I ask that the documents I provided be carefully reviewed so I can have peace of mind.
Product: Credit card or prepaid card

I had a XXXX credit card issued through XXXX XXXX. I just received a statement showing I had paid the previous balance in full and on time, but I was charged {$1.00} in interest charges. I called XXXX and was told that the bank that issues the card, XXXX, charges a " trailing interest fee '', but only for the time between the time they mailed the bill to me and the date they received my payment. Thus, they want {$1.00} in interest charges even though my bill was paid in full and on time. XXXX removed the fee and I cancelled my account. I am concerned that if this fee is legal, it should not be. I am also concerned that others are not catching this extra fee and paying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I have been calling the rent Bureau of Experian asking them to remove derogatory information thats being reported by a collection agency that has already been removed from my credit file with experience credit reporting bureau. I submitted human trafficking documents, asking for them to remove the information however they still do not feel they need to remove the information within the four days that I believe they are required to remove it.
Product: Debt collection

On XXXX XXXX, 2016 at XXXX, I received a voicemail message from Dynamic Recovery Solutions from phone number ( XXXX ) XXXX stating that there was a " matter to discuss in our office ''. The message asked me to call back a phone number XXXX. I promptly called back the number requested on the message. I spoke to a representative who refused to give me any information without disclosing my social security number. I refused to disclose my social security number since I did not know who they were and how they obtained my information. I requested that any debt collection information should be sent to me in writing. 
I did not receive a dunning letter from Dynamic Recovery Solutions until XXXX/XXXX/2016 with a letter dated XXXX/XXXX/16. This is in violation of the Federal Debt Collection Practices act that requires a written or verbal notice within 5 days of intitial contact containing : 1.The amount of the debt 2.The name of the creditor 3.A statement noting the debt will be considered valid unless disputed within 30 days 4.Notice that the debt collector will send a verification and validation of the debt if the request is made within 30 days. 

I did not receive this notice until well after the five days of initial contact.
Product: Checking or savings account

I report my debit card stolen to TD bank Transactions were made and also my checking account was scam. 
Td bank denied the dispute with no written explanation.