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

this is a XXXX XXXX thing where you arent actually receiving a loan but paying yourself {$35.00} a month and you will receive the money back at the end of the term of the XXXX years. XXXX terminated my account when there was an issue withdrawing my payment, and they still report it at XXXX days past due. XXXX ) this was never money owed to them ; XXXX ) I wanted to participate in the program but they terminated the account but are still reporting it past due
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor AMERICAN EXPRESS has violated my rights. Under XXXX5 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1581 Section 604-A ( 2 ) a consumer reporting agency can not furnish an account without my willing instructions. Under 15 U.S. Code 1666B a creditor may not treat a payment on a credit card account under open end consumer plan as late for any purpose. 

The dates being reported are XX/XX/XXXX XXXX, XXXX, XXXX, and XX/XX/XXXX XX/XX/XXXX I reached out to American express and there was no resolution for the issue.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have persistently reached out to this credit bureau in response to an account being reported on my credit report as a closed account stating I have a balance owed I have also reached out to debtor as well this information is incorrect the debtor nor credit bureau can provide me any info to support this debt is my debt nor provide my signature or provide method of verification of how account was verified this debtor received payment from fed loan and is trying to illegally collect.
Product: Credit card

Because of high interest ratesXXXX paid, {$5300.00} paid {$3200.00} paid {$1400.00}. I pay every month never late. On XX/XX/year>, I called & spoke to XXXX, id # XXXX told me Chase would give me60 months, interest free, call back when you make payment. I called back after I made payment before the XXXX, cant remember foreign name, said they didnt have notes on call.She knew nothing of balance liquidation. Called back on XX/XX/year>, after speaking with XXXX, id # XXXX, she transferred me to XXXX id # XXXX, after an hour & a half, she said I did not qualify for repayment program, because I spend more than I make. I am living on social security & retirement. I told her because they charge me almost {$500.00} a month, my budget is suffering. I realize this is my stupidity for not getting rid of a high interest card, but they wont even help you pay them back.I will not lose my home or car for this, no bankruptcy, I will take out a loan, am asking only for freeze on my account & forgiveness of interest, or just stop charging me {$500.00} interest.They said we can help you on first call, to sending me to a credit counselor.I hope you can help, this is rediculous.I also sent a letter to Chase over two weeks ago, no answer.I have no letters from them just my statements.
Product: Checking or savings account

I have an email from my Chase private banker dated XX/XX/XXXX that my promotional coupon was attached to my account for {$900.00}. I've been trying to work with a branch to open the savings account and add the $ XXXX for the past XXXX weeks and the manager I'm working with, XXXX, is stating that the coupon attached by XXXX on XX/XX/XXXX was the wrong coupon despite him telling me it was correct. Further, XXXX told me to set up my checking account online such that everything was not done together. 

I've been misinformed and mislead since trying to join Chase XXXX months ago.
Product: Student loan

I refinanced my student loans with Nelnet. They keep asking me to go into forbearance when I have trouble getting work. 
My direct consolidated loans are = {$68000.00} Direct Subsidized A {$32000.00} and B {$35000.00}. 

Part of my now {$81000.00} loan has become so high with {$11000.00} in capitalized interest and {$1100.00} in accrued interest amounting to {$12000.00} in total interest is triple the amount of interest I should have paid on loans with a 6.25 % interest rate, which should have been only {$4200.00}. 

Nelnet told me there 's no way to stop paying such high interest and the interest is at least {$400.00} per month alone. I feel underwater and trapped with the amount the loan keeps climbing and need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed inaccurate, Incomplete and fraudulent accounts/inquiries related to my credit report. 
Accounts are to meet all FCRA standards meaning all information is true, complete and accurate. The bureaus stated these accounts were updated and meet FCRA standards!!! They are not which is a VIOLATION OF MY RIGHTS. 

After receiving updated credit information per FCRA guidelines there are inconsistincies and inaccurate information amongst all three bureaus WHICH ARE A VIOLATION OF MY RIGHTS UNDER 15 U.S.C 1681 and go against the Fair Credit Reporting Act. 


The Credit bureaus stated Account Name XXXX XXXX XXXX Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, the date LAST ACTIVE is inaccurate, and date last PAYMENT is not accurate. This is ground for removal. 


The Credit bureaus stated Account Name XXXX XXXX XXXX Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, the HIGH CREDIT & CREDIT LIMIT are inaccurate and inconsistent the DATE LAST ACTIVE is inaccurate, and DATE LAST PAYMENT is not accurate. This is ground for removal. 

The Credit bureaus stated Account Name XXXXXXXX XXXX  Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, number of months/terms is inaccurate the PAYMENT STATUS is inaccurate, and DATE LAST REPORTED is not accurate.DATE LAST ACTIVE is inaccurate also. This is grounds for removal. 


The Credit bureaus stated Account Name XXXXXXXX XXXX Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate.DATE LAST ACTIVE is inaccurate as well as DATE OF LAST PAYMENT. This is grounds for removal. 


ATTACHED ARE SUPPORTING DOCUMENTS FROM THE BUREAUS WITH THE VIOLATIONS. 
A COPY OF COMPLAINT IS BEING FORWARDED TO THE ATTORNEY GENERAL AS WELL AS THE FEDERAL TRADE COMMISSION. 


They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.I haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt not apply for XXXX XXXX XXXX account Im seeing three accounts with one single application on my credit reports and one is open with {$980.00} balance and another one is closed due to lost and stolen card and last one which is {$1200.00} closed with past due. With XXXX and three accounts with Equifax Im asking for these duplicates accounts to be remove off my credit bureaus this is a fraudulent application
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a letter from Professional Debt Mediation , Inc ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ) stating that they are debt collection agency, and they want to collect {$850.00} I allegedly owe to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). 

I replied them within 30 days ( on XX/XX/XXXX ) providing that I dispute this implication. I don't owe this amount to XXXX XXXX. I provided reference to lease agreement I had with XXXX XXXX, showing that charges they want to charge me are not based on the contract. All the lease payments, and also utilities, are paid in time ( and they're not disputing this ). They want to charge me for some cleaning, repair, carpet change, and other services, which I have no obligation to pay for. 

I also stated that there was no proof of move-out inspection ( which must have been according to XXXX of the contract ), nor any proof showing that I agreed with those charges, or ordered such services. 

On XX/XX/XXXX I received another letter from Professional Debt Mediation. They just attached the lease contract and XXXX 's account ledger. They didn't answer or argue to any of my references to the contract, and didn't provide any proof that I owe this money to XXXX. 

On XX/XX/XXXX I replied them again, pointing out that ledger is just an internal document of XXXX, they may add whatever they want, and it proves nothing. I asked them again to provide any proof with reference to the contract or any other valid document ( service order, move-out inspection document ) proving the debt. 

They didn't do it, instead they sent me another letter, titled 'Debt Validation ', which haven't had any proof, or contract reference, or any relevant answer to my dispute. They just attached the ledger and the contract again. 

They sent the same letter recently again ( on XX/XX/XXXX ). I also found that they put that 'debt ' which they can't prove into Credit Bureaus XXXX harming my credit score.

So I not only have to waste my time and nerves to reply to those false accusations, I also suffer economical damage, as their false report harms my credit score.

Please help me dealing with them, as they're a big organization, sending templated letters, and trying to get money I don't owe without having any proof.
Product: Credit card or prepaid card

I had a credit limit of {$3000.00} for years, citi increased to {$4500.00}, with out my know how, so as I see my bill due for $ 500ish dollars, and I'm thinking what is going on, I'm realizing they increased my credit, and billed me {$1500.00} in that process, citi is truly seeming like a huge scam, I'm about done with them : /.
Product: Student loan

XXXX XXXX XXXX XXXX Loan Companies : XXXX XXXX, Navient, XXXX XXXX XXXX, XXXX XXXX XXXX Debt : {$100000.00} All loan servicers require expensive payments. Through the last XXXX years have " juggled " loan servicers by applying for forbearance to " catch up '' with individual loan servicers. Navient has recently told me to file forbearance with XXXX XXXX XXXX so I can pay them while being threatened with default. Now, interest will build with XXXX XXXX XXXX and all that money I paid to get ahead will put me behind so I can pay Navient. For the last XXXX years, I have repeated this forbearance process with all loan companies to protect myself from garnishment and my father cosigner. 

Will there ever be any help or relief for students that went to XXXX XXXX XXXX who were deceived, manipulated, and rushed into all these loans that are hurting lives?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality USC 1681. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1618c. ( 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: Checking or savings account

I opened this business account with citi Bank, business name : XXXX XXXX, I am the owner of the business. account number : XXXX, due to the high minimum balance, {$5000.00} to avoid the service charge, I have decided to close the account, when I called in to close the account, I was told that I still have {$500.00} in the account, and unable to close, so I withdrawn the balance and requested to close the account again, this time, they told me since I withdrawn the money and has no balance, the account is locked, the citi bank representative said the he could not close the account since it was locked. I asked what to do, all I want is close the account. He told me if I don't pay services charge, the account will be automatically closed after 30 days. However, after 60 days now, Citi bank still charging me every month for services charge and do not want to close my account. 
as a consumer, I have the right to close my bank account but Citi bank refused to do so and just want to continue to charge me for services charge for an empty account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was my old cell phone provider. I left thinking I had a XXXX balance. After I left I guess another bill came in or something I did not know about. The admitted on the phone with me they had the wrong contact info as far as email and that they may have never tried to call as my number had not changed. They did not try and call me for sure. No voicemail or email or phone call or text. They then reported this to XXXX, XXXX, and Equifax. This is how I found out I had the debt. I called and paid it but they refuse to remove the credit reporting even though I was never contacted and given a chance to even make sure it was legit or to dispute it. I disputed this with XXXX but they confirmed it and didn't take into account what I said about never being contacted at all. XXXX could not have confirmed they contacted me as they admitted they didn't have the right information and never called.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( 4 ) that your Company never provided an adequate notice which Cleary & conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer generated agreement.

According to 15 USC 1602 ( K ), the term adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood it meaning. Such notice may be give to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned sector, I couldn't understand is meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( 2 ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1802 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT XXXX XXXX XXXX ( XXXX ) XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you accept my request i will not escalate this matter to federal Court. In case you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 


Thank you for your attention to this matter. 
Sincerely, : XXXX : XXXX All Rights Reserved Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

i has been dealing with this item against XXXX XXXX XXXX XXXX XXXX  reporting an incomplete account and saying that i'm 120 days past due, has violated the 30 days to comply multiple times by not replying to my letters that i sent regarding this issue.i have sent letters on 3 different occasions XX/XX/18,XX/XX/18, and XX/XX/18 and not heard back from neither reply.this is the usps delivery conformation XX/XX/2018 is XXXX XXXX XXXX XXXX XXXX and i have the letter to verify that i sent them that i will upload it.need help in this matter.It only showing on equifax and i would like it remove like XXXX  has deleted.
Product: Debt collection

I was XXXX at the time the loan was originated. I had sent documentation from the Pennsylvania Department of XXXX confirming my dates of XXXX. They have been very unwilling to help or participate in solving this issue.
Product: Money transfer, virtual currency, or money service

Id like to transfer money to XXXX for a car that Im purchasing but pnc bank will not allow.
Product: Checking or savings account

Im trying to access my account through an ach program to pay for my training but Capital One has set up a block I guess as added protection, but its counterproductive because this application does that for me too so that my payment is secure. I just want in the future this not to happen.
Product: Checking or savings account

On XX/XX/2022 I received an email from Wells Fargo stating that the application that I had put in for an account was approved and what the next steps would be. I never signed up for a Wells Fargo account recently so I knew something was wrong. When I opened the application that was in the documents, someone had filled out the entire thing using my information ( Social, DOB, and a old address and phone number for me ). I've never felt so vulnerable. 

I contacted Wells Fargo this morning and have filed an Identity Theft case.
Product: Checking or savings account

On XX/XX/2019, a purchase from an organization titled as " XXXX '' appeared on my bank account for an amount totaling {$72.00} plus a {$2.00} international service fee from the same organization. I did not purchase any product or service that day and did not know about the transaction until my financial institution, TCF bank, alerted me of possible fraudulent activity. I had told them that I had not instigated the transaction, so they went forward by freezing my account. I was not automatically refunded for my money, as I was told that I was responsible for calling the organization to issue a refund to my account. After being given the phone number of the organization, I attempted to call and was never able to contact someone. At this point, I expected that the organization may be illegitimate and asked my bank to contact the company since I had no luck talking to someone. Afterward that conversation with TCF bank, I was instituted a provisional credit for the amount that appeared to be stolen from my account. On XX/XX/2019, my provisional credit was reversed. I was told that after investigation, they had come to the conclusion that I had benefited from the transaction made to the organization. When I asked how they came to this conclusion, I was told that the details of my case could not be provided unless I submitted a written report to my branch or mailed it in. I was unwilling to do this, as I did not believe that further investigation would cause TCF to change their mind and I was already frustrated at the amount of time I had spent trying to get my money back, figuring that the extra time would probably not be worth the money that was stolen. I still do not understand how they believe that I benefited from the transaction after they flagged the payment as possibly fraudulent, especially when I have had no other history of suspicious activity on my account for the many years that this account has been open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian, XXXX and XXXX to investigate my accounts. It has been over XXXX days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX  and XXXX  have XXXX  days to investigate and send me the results. 

And they also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below :
Product: Mortgage

about the year 2003 we did a modification of our mortgage with XXXX..My husband is XXXX yrs old, we just recently applied to get a Reverse Mortgage only to find out that XXXX XXXX had tacked a balloon note to our existing mortgage which is collecting huge amounts of yearly interest which disqualifies our application making it almost imposible to ever repay..I want help getting this balloon note tacked on forgiven.He is a XXXX and we want to die in our home, not on the road.