23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

In XX/XX/2022 I went online and apply for a payday loan and the young lady say to call her for approval so I call her and she stated that you are approved for {$1000.00} and told me how much my monthly payments are going to be which is XXXX but she never told me how many months it would be nor did I sign any documents after four months I received a balance statement saying to pay off is XXXX dollars whuch I think is too much
Product: Credit card

Please find attached the relevant documents. I urge the bureau to commence an investigation into accounts where I am consistently punctual but are erroneously marked as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # 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
Product: Payday loan, title loan, or personal loan

On XX/XX/23, a remote check was created and presented to my bank for {$50.00}. It was cleared by my bank. I never authorized this payment and in fact had revoked ACH authorization prior to this, 6 months ago. The company has not provided any response and has an unauthorized " payment schedule '' on their web portal where they plan to deduct additional money from my account without permission.
Product: Credit reporting or other personal consumer reports

Sent Portfolio Recovery ( Account # XXXX ) A Letter for debt Validation on XX/XX/year> and they never responded to my request for information. 
See attached file. 
Company never responded or removed this from my XXXX credit report. 
Please remove erroneous information from my XXXX XXXX  Account. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to XXXX to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Transunion to provide the documentation used to determine inquiry was indeed authorized by the consumer, Transunion has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if Transunion does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. Transunion Commission file number XXXX Trans Union LLC XXXX XXXX Guarantors, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX lead arrangers and joint bookrunners, XXXX XXXX  XXXX New York XXXX XXXX XXXX administrative agent and collateral agent, and each of the other Lenders party thereto. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX Bank XXXX XXXX XXXX New York New York XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Va XXXX i will be filing form XXXX treasury XXXX forms to audit consumers account. 
Transunion is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received my credit reports. The information was reported charged off when actually I paid the account in full and received the title. Also I took a title loan years after it was paid off and the car was totaled the insurance company paid the Balance off and sent me the difference. This company reported it. As being repossessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$8600.00} {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8600.00} -This is not my account. 

-CLOSED ACCOUNT- 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Innovis a dispute regarding an inaccurate account listed on my report from XXXX CC. Innovis showed the account was " estimated to be removed from my report XX/XX/XXXX. '' I disputed this date because I could not determine whether or not it was accurate. Innovis did not show the date of first delinquency or a monthly payment history for the account. I disputed the entire payment history and the date of first delinquency for being incomplete. On XX/XX/XXXX, Innovis responded to my dispute and said everything was verified as accurate. How can information that is incomplete or missing be verified as accurate? It's simply not there. Innovis can not determine the date the account would be removed without at least one of these pieces of information. Due to their response, I maintain the account is not compliant with the FCRA because it is lacking critical information. In addition, Innovis violated my rights by not correctly investigating the account and removing it.
Product: Debt collection

( IMPROPER CREDIT REPORING ) To whom it may concern Im filing a formal complaint towards Puget Sound Collections aka PSC regarding their collection practices, bullying methods and unfair consumer credit reporting. Upon pulling my credit I discovered at least XXXX negative medical debt ( s ) that do not belong to me nor are the said individuals on my medical coverage. On XXXX XXXX XXXX I called the company ( PSC ) and spoke with XXXX XXXX and later met with her on the afternoon of XXXX XXXX XXXX in an effort to resolve the matter of improper medical debt reporting. She provided me with a list of the debt which comprise of family members that are not covered on my medical. The total sum of debt - {$15000.00}. This is not my debt and I did not accrued these debts and I am requesting immediate removal from my credit. ( Resolution ) I am seeking assistance to have these claims removed immediately from my credit.
Product: Credit card or prepaid card

Yes I have 2credit cards with capital one Bank. I told them I lost mom going thru a hardship. With bills and things. Told them if I could least skip a month payments. Would not accept. I won't be able too pay anything on this months 2payments. Hard too work with them. They have no idea what it's like too lose a parent. Sadd. Also was a XXXX  too my mom for5years. They have no idea what it's like being XXXX with no help from my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history for XXXX XXXX is inconsistent. See attached reports. 

XX/XX/2018 XXXX says late '30 ' XX/XX/2018 Transunion says 'ok ' XX/XX/2018 XXXX says '30 ' Account was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act Hunter Warfield Inc has violated my rights. 15 USC 1681 SECTION 602 states I have the rights to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I currently have a mortgage with Wells Fargo. The mortgage is currently 9 years old. I phoned the company and asked them to remove PMI due to time paying into the mortgage. They said I have to pay until XX/XX/2019. XXXX note with XXXX owed. 
Perfect payment history. Loan was absorbed from XXXX.
Product: Vehicle loan or lease

I am getting ready to pay my last car note but they're trying to charge me like {$1200.00} extra in late fees. I've tried to negotiate with them but they have zero tolerance when I tried to negotiate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute accounts fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me. 
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 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 XXXXXXXX
Product: Credit reporting

There is an address listed under places that I have lived that is incorrect. " XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX '' is listed as a place that I have lived recently and I have never even stepped into that state let alone lived there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion on XX/XX/2022. To request a copy of my consumer file went through all the promptus talk to a representative named XXXX the directed me to call a different number and then I couldn't get a hold of no one else. Per 15 usc 1692g.
Product: Student loan

My wages have been garnished since 2017. I have tried to contact the lender as well as the collection agency to vacate the order and have not been able to succeed. The payments are {$500.00} a month and it is becoming hard for me to continue to make payments. i already paid more then half of what is owed. I am not able to an accurate balance due. and my credit report still shows it with the original amount.
Product: Debt collection

Hey Ive contacted you guys about this account before be cause it was fraudulent it was through XXXX  XXXX at first and you guys helped out removing it. But they sold it to a company called LVNV FUNDING LLC and the total on that account is XXXX $ an the date it was open was XX/XX/2023 thats false because you guys had it removed before that date and I talked to credit experts and they say they are known for suing people so I don't want to get sued for debt that's not mine
Product: Student loan

I had to change from income based to a graduated plan. I did it through XXXX XXXX and was told by them I was on forbearance til XX/XX/XXXX and my payments would start at XXXX and eventually go up every two years. While looking at my account on navient it now states that I must pay XXXX a month. When I called them they said they had no record of me being in forbearance and refused to tell my why I now owe XXXX a month instead of XXXX. It 's not that big of a deal but I love paycheck to paycheck and I think that the absolute disreguard they show is ridiculous. No wonder people go into default. If you can, DO NOT use them as your providers.
Product: Credit card or prepaid card

I am owed XXXX dollars from capital one. I overpaid them and they sent me a check which I never cashed in time for the expiration. I have been chasing Capital one for 100 days and keep getting the run around as to where my check is. I have been told for two 30 day cycles that the check is in the mail, and that they overnighted a check and it was returned undeliverable. please help. the last person that they passed me off to was a XXXX XXXX at XXXX XXXX XXXX XXXX, her pin to enter her phone is XXXX, her extension is XXXX she is not taking my calls anymore. they had another person in an " executive '' office XXXX XXXX her pin to get through to her is XXXX, her extension is XXXX she is no longer taking my calls either. She does not like to be told she is incompetent and or not motivated at her job. PLEASE HELP
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address the inaccurate late payment listings on my consumer report, specifically concerning the accounts associated with CAPONEAUTO and XXXX, with the reported late payment dated on my credit report. This is my third attempt to resolve this matter amicably. 

I still noticed discrepancies in the information being furnished on my credit report. It is imperative to acknowledge that various federal laws are in place to safeguard consumer rights and ensure fair business practices. I would like to draw your attention to 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), which explicitly prohibits reporting or treating a payment on an open-ended credit plan as late for any reason.

Furthermore, 15 USC 16819 ( B ) stipulates that as a consumer, I must grant permission for the furnishing of information on my behalf. To date, I have not provided such authorization to [ Name of Company Reporting Late Payment ]. Thus, the reporting of late payments without my consent is a violation of consumer protection laws.

Additionally, the billing errors identified under 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ), including the creditor 's failure to reflect payments properly on a statement and computation errors, further highlight the inaccuracies in the reported information. As per the Fair Credit Billing Act, the creditor is obligated to notify me at least 21 days before the due date if there are any discrepancies in the statement. Failure to do so renders any late payment designation as a billing error. The following items must be promptly updated to reflect " paid as agreed '' on my consumer report : CAPONEAUTO - XXXX I demand conclusive evidence from the creditor 's records demonstrating that the reported late payments were indeed justified and not the result of billing errors. Your persistent failure to rectify these inaccuracies not only tarnishes my consumer report but also undermines my financial standing. 

I hereby request that the late payment listings associated with the aforementioned accounts be promptly updated to reflect accurate information or removed entirely. Failure to comply will result in legal action seeking monetary compensation for violations of my rights under 15 USC 1681n civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXXXXXX XXXX Balance : {$2400.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$58000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXXXXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXXXXXX Balance : {$2200.00} .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention the inaccurate information that TransUnion has reported on my credit report. Despite my attempts to rectify the situation by contacting TransUnion on XX/XX/XXXX, they have not responded or taken any action to correct these errors. As per my rights under the federal law, I kindly request your assistance in addressing these concerns. 

XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$18000.00} ) : The reported Balance of {$18000.00} for the XXXX  account is incorrect. I strongly disagree with this amount, as I distinctly remember it being lower. Furthermore, since this account is closed and charged-off, the Past Due amount should not be reported. I kindly request that TransUnion delete the Past Due information and mark this account as disputed to prevent any negative impact on my credit score. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$500.00} ) : The Balance amount of {$500.00} reported by TransUnion for the XXXX XXXXXXXX account is inflated and inaccurate. I do not recognize this amount, and I believe I owe a lesser sum. Additionally, the Past Due amount provided by your agency further indicates an inaccurate reporting of this account. Since this account is closed and charged-off, the Past Due information should not be included. I intend to contact the creditor directly to resolve this matter. Therefore, I kindly request that TransUnion mark this account as disputed until a satisfactory resolution is reached. 

XXXX XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ) : The information presented for the XXXX XXXX  account is inaccurate. The original creditor on this account is XXXX XXXX XXXX, not the entity indicated by TransUnion. Additionally, the reported Balance of {$560.00} is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency for accuracy. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$6600.00} ) : The reported Balance of {$6600.00} for the XXXX XXXX account is incorrect and has adversely affected my credit reputation. This amount does not align with my recollection of a lower balance. I urge TransUnion to review the Past Due information provided, as it is inaccurate to report a Past Due amount for a closed account that was charged-off. This account may have caused a significant decline in my credit score. Therefore, I request that TransUnion mark this account as disputed to prevent further negative impact on my credit score while I work towards resolving this issue with my creditor. 

Furthermore, I would like to point out that the account XXXX  ( Account # XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00} ) is not mine. I request immediate removal of this account from my credit report, as it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date Reported XX/XX/2022 A student loan by XXXX Department of education for {$5500.00} on my credit report was not opened by me. I have paid off any all-student loans that I applied for years ago. I have disputed this, and they refuse to remove the debt.
Product: Student loan

XXXX XXXX - XXXX graduate Navient Account # XXXX My XXXX XXXX says I paid XXXX interest on student loans. I had XXXX loans at the beginning of XXXX, a mix of Federal and private, and all with interest. I paid off XXXX loans, and am still paying on XXXX loans ( XXXX Fed, XXXX private - all with interest ). I called Navient XXXX/XXXX/XXXX to request correction of my XXXX " XXXX '' from customer service first told me that it " must '' be XXXX interest because either I was " not enrolled full time '' or " the school is not eligible. '' Neither is remotely true. I corrected her and requested correction of my XXXX She then put me on hold, returned XXXX minutes later, and informed me that there was an " adjustment '' to my paid interest because the paid interest in prior tax years had been over-reported. I requested documentation of the " adjustment. '' She had none available. I then asked her to verbally give me the adjustment information and calculation. She could not, but not so helpfully she advised me to " consult a tax professional. '' I then pointed out that it is Navient 's responsibility to report to me any adjustments to my account, especially if they have tax consequences. She then said that she did not have the information necessary, and would put in a " request with the back room '' to send me documentation. The ETA on my documents is 10-20 business days after XXXX XXXX XXXX. 

I have had many, many problems since Navient took over my account. They consistently mis-handle payments and try to increase balances on my account even though I am enrolled in an auto-debit program and have made full payments on time, every time, since I began payback 10 years ago. The level of ignorance in their customer service department is beyond frustrating. I have had to start monitoring my account on a weekly basis, and I 'm frequently disappointed to find errors in my account. It has gone beyond ridiculous, and I do n't believe in coincidence or " human error '' anymore. I think this company is trying its very best to steal money from people, and they are counting on its customers and the Government to be too lazy to notice.
Product: Debt collection

This company started contacting me i. XXXX  by email claiming I owe them a debt of {$880.00}. I have no knowledge of. I have disputes this account multiple times and it keeps reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three main CRAs are reporting student loan accounts that are ten years old and have been requested removed via the FCRA ; those same bureaus are reporting balance transferred, closed accounts, or delinquent on these older accounts ; several of the closed student loan accounts are also showing unknown on payments for several years, except for late payments within those accounts ; I have called the original creditors off those loans/ accounts and they have stated the account is no longer accessible and they do not report to any off the CRAs. I am requesting immediate removal of those accounts labeled under XXXX XXXX ( 2 ) ; XXXX XXXX XXXX ( 2 ) ; and XXXX XXXX XXXX XXXX XXXX the above aforementioned accounts have been requested for removal
Product: Payday loan, title loan, or personal loan

I received a threating call from a outside number on this loan i did not take out it had been charging my account for over a year.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 section 602 states, I have the right to privacy. 15USC1681 section 604A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.