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

On XX/XX/2020 I checked my credit report from XXXX   and Equifax. My credit score dropped 70 Points on XXXX   and 75 on Equifax. They said thats its because my XXXX XXXX card had increased by {$46.00}. I have never changed anything on the card for XXXX XXXX..I dont understand how my credit scores could drop that much and I dont have any delinquent or late payments accounts. I have attached some documentation that shows how many times my score has changed. Such a decrease in my score prevents me from obtaining a good rate.
Product: Debt collection

In your response to my CFPB complaint you state the alleged account was placed with a third party that is no longer handling the account. However, neither you nor the third-party provided debt validation as requested. I don't recall receiving a debt validation notice within five days of this initial communication, as required by 12 CFR 1006.34, or the necessary validation information, including the name of the original creditor, the amount of the debt, and an itemization of the debt as required by 12 CFR 1006.34. I request that any negative information related to this alleged debt be removed from my credit report until the debt is properly validated, in accordance with 15 U.S.C. 1692g ( b ). I also request that Genesis Credit comply with all provisions of the Fair Debt Collection Practices Act and Regulation F, including providing the required validation information and ceasing collection efforts until such validation is provided. Reporting of a debt is an attempt to collect.
Product: Consumer Loan

I have a personal loan with One Main Financial which I have been paying on time for the past 2 and a half years. Recently I have had some issues due to medical reasons that have caused me to have to pay a week or 2 later than the due date. If I have to postpone a payment I will set up my payment on line through their website according to my budget each week. So even if it 's a week or 2 late, the payment is still scheduled. There is a girl named XXXX that will call me at work and home when I schedule a late payment. The last time I spoke with her when I was in the office ( XX/XX/XXXX or XXXX? of 2016 ) I told her she could not call me at work anymore. They are getting upset with all the calls. She would call everyday, sometimes 2 times a day. After that conversation, she continued to call. And again, sometimes twice from what my colleague at work tells me. I have logged all the times she has called if needed. I also mailed a written request to not call my work number in the future. She still calls. I understand they are concerned about receiving their payments, and I have never been 30 days late, and if they pay attention to their own website they know when I schedule my payment. I understand that if I pay late, I have to pay the late fees etc. And I do. The last conversation I had with her was borderline harassment. She was insistent that I come in and sign a paper for a deferment. I was 15 days late? I told her there was no need. I will pay the late fees. She did n't seem to like that answer. So I get a letter in the mail to sign for a deferment. Which I tore up. I do n't mind if she calls me at home, she can leave a message anytime. But I do n't want to be harassed any longer. The company I work for is getting tired of answering personal phone calls everyday and sometimes twice a day. She could make me lose my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exifax did not follow reasonable procedures in reporting my credit as they did not receive my consent to putting this information on my credit report.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting Utilization on multiple accounts ( XXXXXXXX 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 ) and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to TransUnion violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX. Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Quantum Collections is reporting accounts on my credit file that need to be removed. I have asked for validation several times and received nothing in return. This account is not only reporting without being validated which is a violation but it's past the statute of limitations. I ask they remove the 2 collection accounts from my file.
Product: Debt collection

I got a Credit Alert Reported On XX/XX/XXXX about Derogatory Account Reported By Bullcity Financial Sol with an Account Balance of {$1000.00}. I do not know or have every done business with this company. Therefore, I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you. 1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose. 3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. 5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this account
Product: Debt collection

SOMEONE CAME TO MY HOUSE ASKING FOR ME WITH A CAMERA?!?!?! 


MORE HARASSMENT!!!!!
Product: Student loan

Im a single my of XXXX kids. One childs dad is deceased, I was In a bad car accident 7 years ago and an on XXXX! My XXXX year old was diagnosed with XXXX in XX/XX/2017 and had a major XXXX month after. I have loads of bills to pay just to keep food, house, car clothes and ect. My son goes to XXXX XXXX every month for XXXX which is a 2 hr drive there then 2hr back home gas I pay get no help to pay for food or gas! Im just struggling and I just need this one time to be forgiven for my loan thats all I ask! Im trying. But theres no extra money left over and I feel its going to continue sitting there and ruining my credit. I try so hard to keep it all together Im going to XXXX and XXXX  because Im so overwhelmed!
Product: Payday loan, title loan, or personal loan

I had taken out a payday loan from Speedy cash for {$800.00} in XX/XX/XXXX. 
During the repayment process I had reached out to them to let them know I was having a hard time paying weekly. Unfortunately they kept taking payments from my account which caused problems with al my other bills. I closed that account because they wouldnt stop. During that time I was moving and had some other health issues going on and ultimately forgot about the end of the loan payment. 
XX/XX/XXXX I was served at work with a law suit from speedy cash for {$1900.00} and lawyer fees of over {$700.00}. Ive never been in that situation before and didnt understand what was served to me. While I was doing research and and working time had gone by and saw a judgment had been made against me. 
This was my second loan I had taken from speedy cash. The first loan I payed off almost immediately. So, for them to take this as far as they did for {$300.00} is beyond me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX ... Balance : - XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

As I have mentioned repeatedly to US Bank concerning this credit card that the balance and monthly payments were outrageous and the transactions leading to large balances and monthly payments were not mine. As to remain in good standing with US Bank I explained my financial hardships on numerous occasions voicing the minimum payment was near impossible to pay even though I had no memory of these transactions or how the balance could possibly be that high. I negotiated with US Bank to place me into a hardship payment program but the monthly payment never reflected the payment that was agreed upon. Each month I received a notice for a payment far higher than the financial hardship payment and ever month the payment would skyrocket to 2-3 hundred extra dollars a month and they had the nerve to think I could possibly afford it even though I claimed I didn't contribute to the high balance. 

US Bank tried to completely take advantage me and my financial situation it was nothing short of being abusive. After having enough of the abuse I explained I was no longer paying towards a balance I felt wasn't mine. 

But now I'm fed up and have had enough I want the entire account removed from my credit report in its entirety. Dependent upon the response, I will detail any potential issues via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Checking or savings account

Money was taken out of my account on XX/XX/2022 by a XXXX XXXX XXXX for XXXX dollars traction id # XXXX.
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by XXXX certified mail. Any other form of correspondence will be rejected or refused. 

XXXX, XXXX. XXXX, XXXX
Product: Credit card or prepaid card

On my XX/XX/XXXX credit card statement for my Chase Sapphire Reserve card, I noticed that the promotional offer I'd taken advantage of under the My Chase Plan appeared to have a much smaller balance than expected and the balance I was being asked to pay as my interest saving balance was much higher than expected. 

The My Chase Plan was supposed to be in the amount of {$3500.00} but because merchant credits totaling {$2800.00} had been applied to my account along with the required interest saving balance payment of {$8300.00}, Chase applied the merchant credits to the My Chase Plan instead of the purchases that were applied to my account from the merchants. 

This resulted in my having to pay almost {$3000.00} more than the purchases that actually took place for the billing cycle. 

While I understand that overpayment of the interest savings balance will be applied to the lowest APR first, in line with the CardAct of 2009, the credits in this case were not payments and should have been applied against the merchants that originally billed me. 

If I do not pay the extra almost {$3000.00} that the bill shows, I will be charged for interest. I have been keeping my agreement to pay for the My Chase Plan as outlined when I agreed to it and feel that this is misapplication of payments which I want corrected.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  XXXX || Account Number : XXXXXXXX XXXX XXXX| Account Number : XXXX XXXX  || Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX  || Account Number : XXXX XXXX  || Account Number : XXXX XXXX  || Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my personal information has been used for years due to a data breach and again has been used for medical services that has negatively effected my credit and life
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Oportune called my job, asking for information about me. 
They are constantly calling my supervisor They call very frequently, when im at work I called them and the lady said that i have to go to court, at a certain time to get the problem fixed. I told her for that i need writen proof, but she incisted. And said they were gona keep calling, even when i told them i was planing to pay and gave them information about my debt relief.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed.

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law.

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting or other personal consumer reports

Investigations related to fraud. I don't recognize any information placed in my report. Please delete them from my record.
Product: Credit card or prepaid card

My wife and I both Applied for the Barclays Frontier Airlines Mileage Master card on or about XX/XX/XXXX. On the website and in the terms and conditions it stated we would receive XXXX bonus miles after we spent {$500.00} with in 90 days. I had my card rushed delivered and received it on the XXXX of XXXX. Upon receiving the card the documentation that came with the card stated on XXXX miles upon spending {$500.00}. I immediately called Barclays to address the conflict between what I signed up for and what I received. The agent was very helpful and she and I walked through the web links, which I screen shot for future reference, and she agreed that it did say XXXX miles but she needed to open a case. When my wife received her card it was the same issue. After no response other than a message stating the issue was being looked into we called again on XX/XX/XXXX and again explained the issue with both cards. The agent at that time said the cases will be reviewed and they would get back to us. Each of received a letter on XX/XX/XXXX stating " We're currently unable to assist you with your rewards issue. '' The case # s are as follows XXXX and XXXX. With the case numbers being consecutive it tells me the original agent never opened a case for myself as if was going to fix it self.
Product: Credit reporting, credit repair services, or other personal consumer reports

did not have premission to use my personal info
Product: Student loan

As of this year, the department of education determined that the for-profit college I attended, the XXXX XXXX, had defrauded its students and would cancel the federal loans from those schools. 
Navient, in response to mounting pressure from lawmakers, decided to launch a debt cancellation program for students that attended those schools but had private student loan debt. 
I am writing to formally complain that Navient has not contacted me whatsoever in regards to my eligibility for this misconduct form application. In fact, they only harass my cell phone to collect on the debt that I have long not paid ever since I was denied dismissal of the loans from a prior settlement through Navient. I was denied from that previous settlement only because I had continued to pay the loans even though I met all other criteria for loan cancellation. 
I wish to be sent this application to apply for cancelation of the private loans from the XXXX XXXX.