23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/14, I contacted XXXX XXXX XXXX to settle a debt. This debt was past the statute of limitations in my state but they would not remove it from my credit report. However, I wanted it removed so I received an offer to settle the debt. I called and settled the debt for {$140.00} less than what was owed. They then proceeded to inaccurately report it to the credit bureau so I disputed it with XXXX XXXX stated it was certified by XXXX, so I uploaded all the pertinent documents and XXXX came back the very next day and denied my request. This needs to be corrected and if you read the reviews for XXXX, this isnt the first time theyve done this to consumers. Its a shady tactic to collect more money once youve paid what was agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting act XXXX  Account # XXXX, has violated any rights. 

15 U.S.C 1681 Section 602 A. States that 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I, XXXX tried to unfreeze my credit report and Experian portal redirected to their 888 number and dialing that number redirected to sending all my licence, SSN card and other details by mail. In this age, Experian is making it hard for me to access my own credit report for credit purposes. Why can't they verify on phone like how XXXX does? XXXX also did not pose any problems for us.
Product: Credit card or prepaid card

Hi my name is XXXX XXXX and I was a customer of Best Buy/CitiGroup when I opened my account I called their representative to set up auto pay and asked what amount should be automatically take out of my bank account the representative calculated and said X amount of dollars I paid more than what was told, so I was set up for auto pay 3 months later I purchased another TV and continued making payments, now almost 3 years later they send me a outrageous interest fee stating that the money I was paying only was going toward 1 TV and not the other ( which I wasnt informed until today ) and when I spoke with the agent ( XXXX team XXXX XXXX ) she apologized and said that the representative may have miss calculated and that since I was enrolled in paper less I shouldve seen where the money was being placed ( like I would know what Im looking at ) and she even admitted that the only way I wouldve know is if I knew the verbiage in the statement, this practice is very deceptive and unfair for the consumer its a trap I have multiple credit cards and never hav I had a issue like this, if you could please look over this matter for me, Thanks
Product: Debt collection

I settled this debt directly with Chase Receivables. I disputed the collection with XXXX explaining that I had previously settled the debt. They continue to report a balance on my credit files in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax and the XXXX data breach and may have gotten into the wrong hands.
Product: Mortgage

My husband and I have two loans with the company NationStar that correspond to two properties located in the same street, on both of those loans we pay to an escrow account for the payment of property taxes and homeowners insurance. 
Late XXXX we were made aware by our County Tax Office that the property taxes on one of those loans had not been paid for four years ( about the time of the life of the loan ). When we contacted the mortgage company, after several communications back and forth, NationStar made the corresponding payment of property taxes on XX/XX/XXXX. 
Since then the company is also known by the name Mr. Cooper. 
Thinking that everything was cleared out, I was shocked when we received a loan statement with our monthly payment increasing from {$1200.00} to {$2500.00}. 
When I called the mortgage company to ask the reason of this increase they said that our escrow account had a negative balance of the amount they had paid in late property taxes. Let me clarify that we had always paid to the escrow account the amount calculated by the mortgage company, and had never been late on payments. Therefore if there was any discrepancy in regards to the payment of property taxes, it was an oversight of the mortgage company since it was them who should have been making those payments on our behalf, but had not during several years. 
I contacted NationStar a.k.a Mr.Cooper by phone and mail requesting a detailed review and evaluation of our loan so to identify the cause of all this problem. 
Until everything is cleared I had asked the company to stop collecting the payments, and that the loan not accrue late fees or be considered delinquent. Still, the company sent a communication otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XXXX, I contact all 3 credit bureaus to have this company remove this XXXX XXXX debt from my credit report because a Judge during my divorce settlement has confirmed that this debt is not my responsibility and has been determined to be the responsibility of my ex-spouse. This debt should not be on my credit report because it is not my responsibility to pay. However, this company still has this debt listed on my credit report and it should b removed as ordered it is not my responsibility by the judge in my divorce judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

last month on the XXXX, i sent out letters to all three credit bureaus in regards to inquires i did not authorize or have any acknowledge of. I was appling through a first home owners program a few months back and thats when i was denied. when i requested my credit report i found over 16 inquiries on my report. 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 XXXXXX/XX/XXXX ). IN return the credit bureaus stated that my request for deletion could not be completed due behind my letters looking like they were sent from a credit agency on my behalf which i clearly sent these letters myself. i was also told by the bureeaus to write a letter disputing the inquries and a complaint from the CFPB, FTC OR POLICE REPORT along with providing a copy of the CFPB complaint with a copy of my license and proof of address. i requested a copy of the reinvestigation and a list of people i spoke with also. As of today XX/XX/XXXX, i have gotten no updates or satisfaction so on XX/XX/XXXX i will repeat the same process again to all three credit bureaus
Product: Student loan

Under Title 12 CFR 1026.10 ( a ) ( 3 ), part of the Truth in Lending Act ( TILA ), creditors are mandated to promptly credit consumer accounts for payments or other transactions. If a creditor fails to credit a consumers account, it constitutes a significant billing error. This provision ensures that consumers are accurately charged and that payments are correctly applied to their accounts. 

When a creditor fails to credit a payment, it not only impacts the consumer 's financial standing but also may lead to wrongful late fees, damage to credit scores, and undue stress. Under this regulation, consumers have the right to dispute such errors and seek corrections. The creditor is obligated to investigate and resolve the issue, including crediting the account with the proper amount and rectifying any related adverse effects. This regulation protects consumer rights and ensures financial integrity in billing practices Under 12 CFR 1026.13, creditors must address billing errors promptly. Sections ( 1 ) through ( 7 ) outline the process : XXXX XXXX : Creditors must investigate disputes and resolve them within specific timeframes. 
XXXX XXXX : Consumers must receive written acknowledgment of their dispute within XXXX  days. 
Correction : Errors must be corrected, including adjustments to account balances and refunds if applicable. 
Notice of XXXX : Creditors must notify consumers of the resolution outcome. 
Error Explanation : If an error isnt found, a clear explanation must be provided. 
Interim Credit : XXXX credits XXXX be required while disputes are investigated. 
Continued Charges : Consumers should not be liable for disputed amounts while the investigation is ongoing. 
These regulations ensure fair treatment and accurate billing for consumers..
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXXXXXX XXXX Date Opened XX/XX/XXXX {$2400.00} capital one Date Opened XX/XX/XXXX {$3100.00} capital one Date Opened XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$28000.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received a letter about an application placed through Barclay 's for an XXXX XXXX credit card to and address i no longer use. I did not do this application and need it off my credit report.
Product: Credit card or prepaid card

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Product: Credit reporting or other personal consumer reports

HARD INQUIRES REMOVED FOR MY CREDIT REPORT, I also include a negative account that was also removed from my credit. 

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. DEPT OF EDUCATION XXXX # XXXX XXXX. DEPT OF EDUCATION XXXX # XXXX XXXXDEPT OF EDUCATION XXXX XXXX XXXX XXXXDEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. DEPT OF EDUCATION XXXX # XXXX XXXXDEPT OF EDUCATION XXXX XXXX XXXX XXXXDEPT OF EDUCATION XXXX # XXXX XXXXDEPT OF EDUCATION XXXX # XXXX XXXXDEPT OF EDUCATION XXXX # XXXX XXXXDEPT OF EDUCATION XXXX # XXXX XXXX.DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.
Product: Credit reporting or other personal consumer reports

Hard inquiries not authorized by me are affecting my credit. Please remove them under 15 USC 16c-2.
Product: Credit reporting or other personal consumer reports

Loans were from XXXX and are in a borrowers defense case The amount totaling XXXX With and interest of XXXX Principal of XXXX
Product: Credit reporting or other personal consumer reports

I requested bankruptcy be removed from all three credit reports and from suppressed by XXXX XXXX as the courts don't verify as per the email I submitted to them. This information is not verifiable. 

Request has been submitted in XXXX once, XXXX twice and I just requested in XX/XX/XXXX and sent this past one via certified mail. I have not heard back from them since the last communication. I included the letter provided to me by the courts stating they do not verify information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account begining with XXXX has violated my rights. 1 5 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 15 U.S.C 1681c. ( 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took out a loan for {$8000.00}. I signed a contract that said I would be charged an armorization fee of XXXX but if I paid my loan off early I would get that back. I made 9 payments of the {$230.00} the told me to pay and each month my owed amount was always above {$800.00}. When I did the math that mean out of {$230.00} XXXX $ of each payment was going to interest if you subtract the XXXX from the XXXX, XXXX dollars i had paid. I was given a paper saying I would pay XXXX in interest over 60 months but just in the first 9 I had already paid over XXXX and my loan amount was still over XXXX When I asked they said it was correct so I sent them XXXX to pay off the loan however a payment came due before they got the check for XXXX and i had to pay another XXXX the sent me back XXXX after I complained however I should have gotten the XXXX back as well as not have paid that much in interest according to the armorization schedule I have. They have completely ignored me about this even though I have the contract that shows they now owe me money.
Product: Payday loan, title loan, or personal loan

The date my loan with Check into Cash Originated on XX/XX/XXXX for {$800.00}. The APR for this cash advance is 299.99 % I have paid this loan back and the interest. Check into Cash keeps on withdrawing money from my checking account. On their website it does not show the payments made just a balance of {$1300.00}. This company will call me at least 3 to 5 times a day and I have explained my situation of my financial hardship and I am willing to pay {$50.00}. I have had several of the representatives argue with me stating that an arrangement was not entered into their system, even though, I have made the payment of {$50.00} over the phone. Check into Cash had withdrawn money out of my account after I have asked them not to causing my checking account to be overdrawn. On XX/XX/XXXX, I spoke with a representative with Check into Cash who stated that although I paid over {$800.00} towards their loan, they have to make money too.
Product: Credit card or prepaid card

On XX/XX/2019 I received a letter from one of my credit card companies named " BARCLAYS ''. I'm not a new card holder with BARCLAYS, but I've been holding their card for many years. I was shocked that Barclays was the ONLY bank from the banks I hold their cards, asking me to confirm my name, physical address, and the thing that offended me the most is questioning my citizenship ( see their attached letter/copy ). I took offence because they are claiming the USA Patriot Act is the reason for their questioning, at the same time, NO other banks sent me such letter and I have few credit cards! I want your office to understand that I don't have checking, saving or any other accounts with Barclays except the credit card ending in XXXX. I'm the sole user of the card that I been carrying for few years. I'm not convinced that EVERYONE that is a credit card holder with Barclays was mailed this exact letter. My belief tells me this is a " Racial Profiling '' case. I'm wondering if my name for example was " XXXX XXXX '', would I have received such a letter? I am a U.S. citizen living in the U.S. for the past 38 years. I'm filing this complaint with your office with the recommendation of State of Minnesota Office of The Attorney General, to investigate if Barclays sent this exact letter to ALL of their credit card holders OR only a selected few. As you can see in their letter, in bold lettering they are threatening to close the account by XX/XX/2019 if I refuse to submit the information. I'm more than happy to close the account myself if indeed it turns out to be racial profiling. Thank You.
Product: Credit card or prepaid card

I use XXXX  sometimes to make payments to vendors.. I have been using XXXX for YEARS with my Chase credit card and it has never been a problem. All of a sudden Chase started not only charging me an interest on a cash advance which WAS NOT a cash advance but they also started charging {$5.00} transcation fee for each charge when I used XXXX XXXX. All this started in XXXX! I called Chase and asked for them to take them off because I was unaware and I can PROVE where I been using XXXX  for 2 years with them and they just NOW started charging these fees without letting me know or making me aware! These fees are unauthorized being they did not make me aware! It also should be illegal they charge me a cash advance and a transaction fee when I was making payments to vendors, not taking out cash or going to a atm. It also should be illegal to charge me a {$5.00} transaction fee and a cash advance fee for sending {$3.00} payment to a vendor! This should be against the law and my next step is getting a lawyer. I was not aware and Chase could have worked with me but instead they just argued when I called them and said they cant take off transaction fees. I will be closing out my card at the end of summer and opening a new one with a different bank! I have had this credit card since XXXX. I have attached my credit statements to show how Chase just started charging these fees out of no where without any explanation! You can see in XXXX they don't charge cash advance fees or transaction fees but in XXXX and XXXX Chase decided to to just start charging fees without my knowledge. This should be illegal!!!
Product: Credit card or prepaid card

I am trying to pay down my balance with more of the minimum payment. as soon as i started to pay more CITI bank started to increase the interest rate on the card ( just last month as i started to pay more )
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT THE CREDIT REPORTING AGENCIES A SUPPORTTING DOCUMENT THAT WAS VERY RELIVANT TO MY DISPUTE WITH THE CREDITOR XXXX XXXX XXXX REPORTING INCORRECT INFORMATION. THE CREDIT AGENCIES HAS NOT AKNOWLEDGE MY DOCUMENT AND CHOOSE TO OVER LOOK IT FOR THE DOCUMENT SHOWS I HAVE NEVER BEEN LATE. I ALSO SENT THEM MULTIPLE DISPUTES BUT ONLY TO BE MIS LEAD STATING IT WAS CORRECT. WHICH I HAVE SUPPLIED THEM A LETTER DIRECTLY FROM THE CREDITOR DISPLAYING ON TIME CORRECT PAYMENT HISTORY
Product: Credit reporting

I disputed several things on my XXXX credit report and I am trying to make sure that they are removed from all credit bureaus.
Product: Credit reporting or other personal consumer reports

This is not a regular dispute. I am requesting an audit of the reinvestigation of this items on my report. The FCRA mandates you conduct your own investigation when requested by me ( the consumer ). I am requesting you provide me your own independent investigation of this item. I am requesting physical proof otherwise you are violating my rights as a consumer by not deleting this unverified item.
Product: Checking or savings account

XX/XX/XXXX {$450.00} 3 Transactions in Claim Claim number XXXX Status : Thank you for your patience. After careful review, your claim has been declined. 
Begin region Transactions PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX Status : Thank you for your patience. After careful review, your claim has been declined. 
Status : {$98.00} PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Status : Thank you for your patience. After careful review, your claim has been declined. 
Status : {$98.00} RECURRING PAYMENT AUTHORIZED ON XXXX XXXX XXXX XXXX XXXX XXXXXXXX CARD XXXX Status : Thank you for your patience. After careful review, your claim has been declined. 
Status : {$250.00} Details Updated : XX/XX/XXXX Dispute reason : Used another form of payment Submitted : XX/XX/XXXX Call us at XXXX to cancel this dispute. 
XX/XX/XXXX {$620.00} XXXX Transactions in Claim Claim number XXXX Status : Closed Begin region Transactions MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX CARD XXXX Status : Closed Status : {$150.00} MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX Status : Closed Status : {$150.00} MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CARD XXXX Status : Closed Status : {$150.00} MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX CARD XXXX Status : Closed Status : {$150.00} Details Updated : XX/XX/XXXX Dispute reason : Don't remember this transaction Submitted : XX/XX/XXXX