23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2023, I signed up for a student loan consolidation and repayment plan on studentaid.gov. The repayment plan I signed up for had a 0.5 % interest rate once consolidated and the consolidation would be handled by AidVantage before eventually being handed over to XXXX for servicing. I have a screenshot from that day showing the rate quoted. In early XX/XX/2023, I received a letter in the mail stating my interest rate could be significantly higher than previously told to me, so I called AidVantage about it. I called on XX/XX/2023 and spoke with XXXX XXXX on a recorded call ( XXXX XXXX XXXX XXXX  ) about the letter I received and she told me that the letter was incorrect and that I did indeed have a 0.5 % interest rate locked in. She advised that I was only receiving the letter because of all the backed up loans coming back to repayment at the time. She told me not to worry, that my interest rate would definitely be 0.5 % when all was said and done. 
Sometime after that call my rate was changed to a 7.125 % interest rate and my newly consolidated student loan debt was handed over to XXXX at that higher rate. XXXX is telling me that if there was a mistake, then it was AidVantages fault. Studentaid.gov says they only handle applications. And AidVantage said I should talk to XXXX about it. This is a nightmare. I finally got an AidVantage manager/supervisor to email me about this and she said she listened to the call, heard me being told I had a 0.5 % rate, but is still refusing to adjust my rate to match what I signed up for and what they verbally told me was locked in. 
I need help. The payment theyre asking me to make is so much higher than I ever imagined and they are racking on interest with every passing month as Im fighting this. I just want the loan I was promised.
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 nephew, 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 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: Credit reporting or other personal consumer reports

I will upload the information. I have Equifax " statements of factual proof '' I noticed I had inquiries I didnt notice. I told them many times and they claimed to look into it which was untrue. I got an alert from my bank on XXXX that I was all over the dark web with all of my information in multiple spots. They found a minimum of XXXX hits. I tried to tell Equifax, but they just say that it is mine and I now have proof that my information has been breeched again. 

I was also apart of the Equifax XXXX and this seems to be still apart of that.
Product: Debt collection

united recovery systems XXXX # XXXX this company has failed to provide me with competent information that I own this debt they have failed to provide the following information to me. 

1. provide me copies of papers that show I agreed to pay what they say I owe. 
2. prove the statute of limitations has not expired for this account 3. show me that they are licensed to collect in my state 4. provide me with there license numbers and Registered agent My request for validation was sent via USPS certified mail dated XXXX/XXXX/2015
Product: Checking or savings account

On XX/XX/year>, my car was broken into, and the thieves stole my phone, wallet, and all its contents. 

They used my debit card to make a purchase at a XXXX store. Despite the fact that no PIN was used, Chase Bank allowed the transaction to go through by processing my debit card as credit. Unfortunately, Chase has refused to refund the stolen funds and provided no security measures to protect my account.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX, the following accounts below has violated my rights according to : 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 section 604 section 2, States a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 1, The Original Contracts with my signature on it 2. Creditor information ( Name, Address and phone number of original merchant ) 3. The payment history and itemized billing associated with each account 4. Proof of Ownership ( Proof that the company trying to collect this debt has authorization to do so ) If you cant provide these four things for all of the above accounts then please delete these accounts immediately. Thanks
Product: Debt collection

I have written 2 letters informing Transworld Systems Inc. that the XXXX bill does not belong to us. The bill was for a shipment that did not originate from the address indicated and the billing address was for a company that does not exist. I suggested they contact the sender indicated on the bill or the recipient indicated on the bill for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$1100.00} on the XXXX XXXX XXXX   PAYMENT DATA account number XXXX. ( Please see page attached from my credit report. ) This account was billed incorrectly and should have been submitted directly to the provider. ( I have attached a copy of my insurance card for reference. ) I had insurance coverage at this time. This incorrect reporting of a collection I do not owe is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

Discover has my card locked because of this IRS consent form to access my tax records. They are threatening to close the account in XXXX if I don't give them access to my tax records. They stated they need to verify personal information and the IRS is the ones they trust to provide that. They didn't use the IRS when they issued these cards, they was able to verify you without the IRS so, why you need them now. If they close my account that hurts my credit score and I'm in a program to repair my credit and buy a house, I can't afford to have this hit now.
Product: Credit reporting or other personal consumer reports

Bank of America is reporting inaccurate late payments to all 3 credit bureaus. They are stating the following inaccurate information, due to the FCRA this is a violation, please see below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm asking for these to be deleted.
Product: Mortgage

In XX/XX/XXXX, my attorney submitted all required documents to Carrington Mortgage for their review for a Short Sale. Carrington set the file up on Equator for processing. In XXXX, they demanded that a junior lienholder supply a payoff statement In 7 days, and it took us 8 days to get the document, so they reset the file. We submitted the file again, and they negotiated with us to submission for approval. While waiting for investor approval, we were informed that they had forgotten to put the file through a " waterfall '' process, and had to start over, in XX/XX/XXXX. After weeks of calling and getting unclear or contradicting answers, all documents were confirmed received in XXXX and we were told to wait 30 days, until the " waterfall '' was complete. On XX/XX/XXXX, we were told the " waterfall '' was complete, and that we could proceed with a short sale, but that the foreclosure sale date was 10 days away, and they would push that out to XX/XX/XXXX Today, they said that participating in the short sale was no longer " in their best interest '' and that they would let the property go to foreclosure on Friday, XX/XX/XXXX. Attached, however, is the Conditional Approval Letter they sent in XXXX, when they had first completed the waterfall process. They lied to us, strung us along, and dropped the file just close enough to the foreclosure date that we could not restart. This is a systemic issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.
Product: Money transfer, virtual currency, or money service

I received a 1099k form from Block, Inc. f/k/a Square, inc. for {$10000.00}. I have not used cash app nor square. I tried reaching out but could not get anywhere. they said to file an identity theft claim.
Product: Money transfer, virtual currency, or money service

i deposited nearly {$40.00} into coinbase, tried 6 different times to submit an identity document so i could pull my money back out after deciding it was too sketchy, after getting my identity document finally approved after two months, i cant pull my money out of my account due to buggy websites, site delays, constant maintenance, and over all terrible costumer service. ive done a lot of research and seen many other people experiencing the same problems
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting 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 under 15 USC 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : THD/CBNA Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX and list of Inquiries 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 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 ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Product: Debt collection

XXXX  XXXX  removed in XXXX at XXXX XXXX  dermatology. XXXX sent a bill for {$1100.00}. Contacted insurance at the time who provided EOBs for lines of service, including : Repair of wound to the axilla with an allowed charge of XXXX. 
Excision of lesion with max amount of allowed charge XXXX Office eval with XXXX allowed charge {$32.00} In addition to providing XXXX as well as central Missouri dermatology the EOBs for this medical bill I also inquired and sent proof of payments including : XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX. 
XXXX received in office date of service XX/XX/XXXX for wound follow up amount {$40.00}. 
XXXX paid XXXX XXXX A payment of XXXX on XX/XX/XXXX. 
Another payment of XXXX on XX/XX/XXXX On XX/XX/XXXX it was noted that there was no insurance applied to this procedure. Therefore a claim was filed to XXXX XXXX to reopen and I was instructed to disregard this bill with the knowledge that I had already provided payment for the total of {$370.00}, which was all I owed once insurance was correctly submitted. I actually have overpaid on this bill and Im owed {$26.00}. I have submitted this payment information first to physicians billing office on XX/XX/XXXX I faxed it to XXXX attention XXXX XXXX XXXX XXXX XXXX to the person named XXXX. This debt was then forwarded on to a second collection agency to whom I sent the same payment information XXXX law firm fax XXXX attention XXXX XXXX that fax was sent on XX/XX/XXXX. another facts with payment information was sent to physicians billing office of XXXX XXXX  XXXX  on XX/XX/XXXX of XXXX also providing the same payment information with receipts and EOBs from XXXX XXXXFinally today XX/XX/XXXX I am continuing to receive collection data now from XXXX XXXX XXXX XXXX for the continued charge of {$370.00}. I feel that this is harassment I feel that this information has been sent multiple times and that this agency is purposely and unlawfully forwarding on my debt and an attempt to maintain it with an current statute to collect when it is illegally being forwarded on between consolidation companies, regardless of facts and receipts sent.
Product: Credit card

Dear CFPB : My Citi bank credit card was stolen and I informed Citi and they did remove some charges but not all of them. They keep sending me a new bill with late charges and interest. I spend a lot of time on the phone with them to clear up this problem. They told me their fraud department is slow. I stop using the card and asked them to cancel the card. 
Could you please help me clear this up? XXXX XXXX XXXX Card # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My date of birth is incorrect on my credit file. I have sent several dispute letters to be corrected and called Equifax directly as well. I have sent in several request to the credit reporting agncies since XX/XX/2020. They notified me via phone that date of birth would be correct within 48 hours but has been more than 2 weeks and nothing been updated
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

On multiple attempts dating back to XX/XX/XXXX I have disputed multiple unverified accounts with Monterey Collections with account number : XXXX XXXX and XXXX. Each time this item was disputed with XXXX the collection agency responded with account verified. On or around XX/XX/XXXX/XX/XX/XXXX I called Monterey Collections and spoke with a rep that was unable to locate an account with my social but a similar account with the same or similar name/DOB. The representative would not provide me with any additional information although she mentioned an address ( apartment ) in XXXX or XXXX, GA that I have never lived or been associated with. At that time the rep advised I should dispute again with the credit bureau and stated that the account should not be reported if the information did not match with what the credit bureau report. Well, just the other day I received a debt letter from Monterey Collections which states it was a response to the dispute received and pursuant to the debt validation requirements set forth in the Fair Debt Collection Practices Act. Also, in the letter it states that I had 30 days from the date I was notified by Monterey that an account had been placed with Monterey Collections, to request to dispute the debt. They also state that they notified me of the accounts XX/XX/XXXX which could n't be further from the truth. I have used my current address over 10 years and have never received any communication from Monterey until it was reported on my credit report back in or around XX/XX/XXXX. This practice completely contradicts the standards provided by FTC and creditor should be reprimanded for these practices.
Product: Debt collection

This is not nice someone's been using my credit I have documents to court and I'm trying to get the things off my credit removed I think someone is the same name as me what has been using my ID I went to court. Release I went to jail for two weeks because someone was using my credit I even have court documents
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 under 15 USC 1681. 

Account name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX**** Account Name : XXXX XXXX XXXXT Account Number : XXXX Account Number : XXXX Account Name : XXXX  XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no co
nsumer reporting agency may 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: Credit card

I have an USBank XXXX XXXX card I opened recently. I keep getting charged late fees even though I pay the balance off early. They state that because I paid early, the payment automatically credits to the prior month and never to the upcoming month. This allows them to charge me a monthly {$27.00} late fee even though I have paid the upcoming monthly due amount early. They say it is my responsibility to withhold payment until some time determined by them to avoid late fees. This policy is designed to allow frequent late fees and to discriminate against the consumer in favor of the bank in a very unfair way. I have never had this issue with any other credit card before, and I plan to pay this off, close it, and never do business with USBank again. In the meantime though I think this company should be investigated and this practice brought to a halt. 

Please note that I paid the balance due on XXXX XXXX and then prepaid more than due on XXXX on XXXX XXXX and then got a late fee on XXXX XXXX
Product: Credit card or prepaid card

I was alarmed when I ordered my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due XX/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.