23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have contacted XXXX XXXX regarding an account. According to XXXX, they have no knowledge of this account, nor do they recognize the amount associated with it. 

I have been a XXXX customer for two years, and I have consistently made my payments on time. All my accounts with XXXX are current. The reason for this report is that the erroneous information is negatively impacting my credit, and I would like to request that this issue be resolved as soon as possible. 

Thank you for your attention to this matter. 

XX/XX/2024 XXXX ( High Balance {$2400.00} ) ( Unpaid Balance {$0.00} ) XX/XX/2024 experian ( High Balance {$2400.00} ) Unpaid Balance {$0.00} )
Product: Debt collection

I am a consumer, natural person and original creditor. A letter was received from Credit Control LLC on XX/XX/2021 alleging as fact that i owe XXXX XXXX XXXX XXXX {$4200.00}. No money was given to me by this institution and would like to know where the bank got the money from that they alleged i owed. Credit Control LLC violated 15 USC 1692b ( 5 ) by advising that they were " attempting to collect a debt '' which 15 USC 1692b ( 2 ) states that a debt collector can not state a consumer owes a debt. Pursuant to 15 USC 1692c ( a ) they sent communication without prior consent and committed identity theft by creating an account in my name without my knowledge. XXXX XXXX XXXX XXXX is also in violation because this is an invasion of individual and family privacy. Pursuant to 15 USC 1692d ( 2 ) Credit Control LLC violated me by demanding that i " submit '' or " make a payment '' to them. Pursuant to 15 USC 1692f ( 1 ) that's a violation to attempt to collect a debt unauthorized by an agreement between parties. I have no contract with them nor have i ever done business.
Product: Student loan

The FedLoan Interest Rate and Capitalization Scam. 

It all started when my income based repayment schedule was up for renewal. I paid up to the maximum interest for the federal tax credit for the year. I called FEDLOAN servicing to find out if I could switch to a different plan to extend the amount of time I had to repay the interest before switching to a standard repayment plan. 

The representative on the phone not only told me that I could switch plans without the interest capitalizing, he went so far as to walk me through the application process while on the phone to make sure it would go through. ( XX/XX/XXXX ) It went through. But they capitalized {$720.00} worth of interest ( XX/XX/XXXX ). So I called back. A supervisor told me to send a letter stating what happened which would be reviewed by PHEAA for action. Suggesting that because it was because of FEDLOANs misinformation that the actions could be reversed. ( The application ends on page two. The one liner that says interest will capitalize is on page eight of the instructions which you wouldnt see when you fill it out on the website. ) Ive spent countless hours on the phone with fedloan trying to solve the mystery. In the meantime the penalized my account in the following ways : They put me on forbearance. 
They assigned me a penalty interest rate. 
They pushed my PSLF date back two months. 
They capitalized my interest. 
They switched me on the more expensive REPAY schedule when I never applied for involuntarily. 
They forced me to pay my loans out of order so that the forbearance interest wouldnt get capitalized. 
When I submitted my forbearance interest payment they applied it incorrectly. I followed the instructions on the interest letter and they sent monies to every loans principle balance which goes against specific instructions Ive given them in writing about how to apply any monies received towards my loans. 
They have now sent me another interest notice ( XX/XX/XXXX ) that there will be further capitalization even though my interest balance is XXXX. 
Over two months later and I cant get a coherent FEDLOAN rep on the phone. 

They also do not respond to letters that are sent to them via the debtors portal.
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the following information with XXXX, Experian, and XXXX. Unfortunately, the issue persists and remains unresolved to this day. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

Experian 1. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX  XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove. 

XXXX XXXX. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX  XXXX Case Number : XXXX I ask that your agency please verify all information regarding this account. Please verify the correct date filed, plaintiff, liability and the asset amount. I ask that your agency report full and only complete information and if your agency is unable to do so please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for over 20 years. I have countless police reports on file with my Chex Systems regarding me being a victim of identity theft. The following inquiries viewed by others currently listed on my Chex Systems XXXX Report ID : XXXX is fraudulent, unauthorized, and not my inquiries : XXXX XXXX Bank, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XX/XX/XXXX and XXXX XXXX XXXX XXXX, XX/XX/XXXX. I want Chex Systems to immediately delete and remove the fraudulent and unauthorized inquiries viewed by others from my Chex Systems XXXX Report today. The inquiries are not my inquiries. Furthermore, I want Chex Systems to mail me an updated copy of my consumer report via XXXX mail. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Established an IRA account for {$14000.00} in 2003. XXXX/Key Bank says they can not find any record of this account. You will see this account information in the copied documentation.
Product: Checking or savings account

On XX/XX/XXXX21 a deposit for a Trucking company asked for a deposit for a moving trucking company for move on XXXX to XXXXXX/XX/XXXX-21, the trucking company failed to service Van. I was advised a refund will be issued with 7-10 business days. I have not received my refund as of date. The XXXX  and the FTC was givin a claim against XXXX XXXX XXXX XXXX. It was stated to contact My bank which is Chase Bank. They will not help with my refundable
Product: Mortgage

I have a mortgage with SunTrust Bank and I requested a forbearance under the CARES Act, so they granted me three months of forbearance. Now, however, they want all three months paid or I will be deemed delinquent. How is that possible? What was the forbearance for under the CARES Act? If I could not pay during the last three months, how do they think that I can all of a sudden pay all three months in one lump sum? Is that how this works? 

Also, I had to file for bankruptcy during this period and now the bank is holding that against me stating that they will not accept a reaffirmation agreement until I pay the lump sum. In effect, they are discriminating against me for having filed bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX XXXX XXXX the total balance owed for an auto loan, which amounted to $ XXXX in XX/XX/2020. There was an issue with their accounting and they reported my account late for the following month of XX/XX/2020. I disputed the derogatory information in writing online/by phone and they submitted an electronic correction of the erroneous information to all 3 Credit Reporting Agencies. The derogatory information was removed/corrected by XXXX XXXX and XXXX, but not has not been corrected by Experian. After repeated attempts, Experian has not removed the inaccuracy and the representatives have been unprofessional and not very helpful, especially during my call today.
Product: Vehicle loan or lease

I am submitting a complaint regarding a car dealership, XXXX, for misrepresenting my role in a vehicle purchase on XX/XX/year>. While I agreed to co-sign for the vehicle, the dealership incorrectly listed me as the primary owner and submitted the vehicle for registration in my name. 

This mistake has created financial responsibilities and legal obligations that I did not agree to. The issue remains unresolved despite repeated attempts to address this with the dealership. 

The sales representative informed me that the customer, XXXX XXXX, was unable to obtain financing on her own due to her lack of credit history and required a co-signer to complete the purchase. The representative assured me that the vehicle would be registered in XXXXXXXX XXXX  name, and I agreed to co-sign based on that understanding. XXXX paid the deposit directly in her name, and the insurance for the vehicle is also in her name, with me listed as an additional driver to lower premium payments. 

However, the dealership submitted the title and registration in my name, despite assuring that the car would be in XXXXXXXX XXXX name. This has created legal and financial complications for me that I did not anticipate or agree to. 

I am requesting the CFPBs assistance in holding the dealership accountable and ensuring that my role as a co-signer is accurately reflected in all related documents, including the vehicles title and registration. 

I am available to provide additional details or documentation if necessary. You may contact me at XXXX or via email at XXXX. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX noticed some unauthorized inquiries appearing on my Transunion report I have listed the inquiries below with supporting documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have been trying to log into my account and call Comenity Bank to pay my bill for several days. Can't contact them at alI ( phones ine, went on XXXX to contact someone about the general issue I have been having, so many others having the same issue. If I can not pay my bill, I should not have to pay any late fees. 
Thank you for your time. XXXX
Product: Payday loan, title loan, or personal loan

I worked directly with Comenity Capital Bank to set up autopay to complete and comply with the terms offered to take advantage of the promotional deal that was to save additional finance charges This payment schedule was set up in XX/XX/2021 for the amount of {$170.00} to be applied every month on the XXXX of each month to satisfy the loan by XX/XX/XXXX as my documents will show these payments were made by autopay as setup except on XX/XX/XXXX - Comenity Capital Bank on XX/XX/XXXX instead charged a {$27.00} late fee then on XX/XX/XXXX charged {$620.00} XXXX owed {$160.00} on XX/XX/XXXX and I paid {$160.00} on XX/XX/XXXX after being contacted by Comenity Capital Bank The bank has had no interest in explaining why they failed to complete the agreed upon autopay nor fix this error - I was simply told that there was nothing I nor they could do to address these changes I consider the loan paid in good faith and I am asking for your review and assistance in addressing this abuse and request that Comenity Capital Bank close this account in Good standing and report this to all credit reporting agencies
Product: Credit card

In XXXX, I contacted Best Buy Credit Card Services, which at the time was being managed by Citi, to request a credit line increase on my account. I was very clear with the representative that I wanted to avoid any unnecessary hard credit pulls. The representative read me my rights, and I verbally agreed to the credit pull. After a brief hold, I was told that my credit line was approved for a maximum of {$10000.00}, up from the {$2500.00} limit, and that I would receive the new Citi card within a few weeks. 

However, upon receiving the new card, I noticed that my credit limit had not been increased, despite the hard pull on my credit and the verbal confirmation from the representative. I contacted the company several times throughout the following weeks, and I was told each time that the credit line increase had been approved but was delayed due to the transition and processing issues. 

In late XXXX, I received a letter prompting me to call the company. When I called, the representative confirmed there was no issue with my account and assured me that everything was fine. By the beginning of XXXX, after still no changes to my credit limit, I escalated the issue to a higher-level representative. They informed me that, for unspecified reasons, my credit line increase would not be processed, and I would need to request another hard pull to move forward with the increase. 

I am upset that despite the original hard pull, my credit line was never increased, and I was given conflicting information throughout this process, including over and over again that my credit line was increased! Additionally, I am concerned about the impact the hard pull has had on my credit score, as it resulted in no tangible benefit. 

I would like to request either : A removal of the hard pull from my credit report since it did not lead to the promised increase, or The credit line increase to be implemented as originally communicated. 

This experience has been frustrating and disappointing, especially given my excellent credit history and partnership with many financial institutions. These folks are total garbage and deserve a spank.
Product: Mortgage

I sent a notice of error that was received on XX/XX/year>. XXXX received a request for information from me, XXXX XXXX XXXX on XX/XX/year> XXXX. SLS was required to provide an acknowledgement letter by Wednesday XX/XX/year>. SLS was also required to send a payoff/estoppel by Friday XX/XX/year> and or at the minimum Monday XX/XX/year>. SLS is showing a pattern of practice by not complying with the required written responses. Other items listed on the information request are due on Tuesday XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$2500.00}, US DEPT OF EDXXXX balance {$7600.00}, XXXX DEPT OF EDXXXX balance {$4200.00} XXXX XXXX XXXX balance {$8900.00}, XXXX balance {$280.00}, XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX BANKRUPTCY XXXX reference # XXXX.
Product: Credit reporting or other personal consumer reports

The date XX/XX/year> reported as last payment is inaccurate. The date shows XX/XX/year> payment history shows OK Not only is the date of last active incorrect, XXXX XXXX has provided a cancellation of debt ( 1099C ) for this account and no longer should be reporting on my credit report with TransUnion. This account has now become income with the IRS and income can not be reported on a credit report per the FCRA. XXXX and XXXX, have both removed this account from my reports after their investigations. Attached is a report showing the account removed from all other bureaus as well as a copy of the 1099C and a copy of my report showing the inaccuriaces. This inaccurate information falsely manipulates my credit worthiness and its hurting my abilities to obtain credit. TransUnion failed to investigate this account properly after I repeatedly asked to have the account correctly updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the the follow account : Account Name - XXXXXXXX XXXX Account Number : XXXX
Product: Checking or savings account

On XXXX XXXX was stolen out of my chime account I contacted chime made a dispute within hours later they told me they found no error in my dispute Im a XXXX XXXX mom and hard earn money was stolen out my account which they told me they would not refund back due to not finding a error i explained to them that I had no clue who the person was receiving the money nor did I authorize it and they still wont refund back the XXXX
Product: Credit card or prepaid card

I signed up for A Bluebird Card through Amex Bank. Once I activated and recieved the card, I set up direct deposit and started funding my account. After I tried to make a purchase on XX/XX/2020 My payment was declined and I was told to contact customer service. I called customer service and was told that my account was permanently suspended. Now I am trying to recieve the rest of my balance and am recieving no assistance from Amex.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning matter regarding my credit report. After reviewing my credit report recently, I discovered an account that appears to be fraudulent. The account in question is as follows : XXXX XXXX XXXX XXXX I have never had any dealings with the mentioned creditor, nor have I authorized any such account. This discrepancy is deeply troubling and has the potential to adversely affect my creditworthiness and financial standing. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, and I expect that your institution will comply with its legal obligations in this matter. 
I request that Experian initiate an investigation into this matter to verify the legitimacy of the account and take appropriate action as necessary. This may include removing the fraudulent account from my credit report and preventing any further damage to my credit score. 
I trust that your bureau will take this matter seriously and act promptly to rectify the unjust denial of my identity theft claims. Failure to do so may compel me to seek legal counsel and contact relevant regulatory authorities to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed out Identity Theft report, called and disputed information, and Equifax will not remove the fradulant information from my file. The are the only one that it now shows up on, and I can only access my report through either a 3rd party site or another CRA because my file with them is so inaccurate that they even had the wrong date of birth and social. I requested my report initially back in XX/XX/XXXX and still have yet to receive one from them.
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 XXXX Account # XXXX. Account name : XXXX XXXXXXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX XXXX XXXX, Account # XXXX. Account Name : XXXX XXXX XXXX XXXX Account # XXXX. Account Name : XXXX, Account # XXXX. Account Name : XXXXXXXX XXXX  XXXX, Account # XXXX. Account Name : XXXX XXXX, Account # XXXX. Account Name : XXXX, Account # XXXX. Account Name : XXXX XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I disputed a XXXX XXXX  bankruptcy on my credit due to information being inaccurate. They said it was verified but never sent me any of the courts documents to show me it was verified.
Product: Consumer Loan

Spoke to a rep at Capital one auto finance on XXXX/XXXX/XXXX named XXXX regarding them showing XXXX late payments on my account. I explained that my husband was XXXX XXXX military and he requested this loan be put on allotment. His finance department said it went through and he XXXX to XXXX. Well the allotment did n't go through so I called in to make other arrangements while waiting on the allotment to start. I have been fighting this since XXXX and would greatly appreciate if the late payments can be removed due to him trying to set this up before XXXX our country.
Product: Credit reporting

XXXX was paid by XXXX now they are out of business XXXX which i still have and never used have 2 collections on my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I donot recall doing business or applying for accounts with the following : -PRESTIGE FINANCIAL SVCS # XXXX -XXXX  # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX