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

I contacted Experian on XXXX XXXX, XXXX @ XXXX informing them of the fraudulent inquiries on my credit report. I was transferred around until I spoke with a supervisor whom I explained to that my identity had been stolen and I sent them a copy of my police report months ago to no avail. The supervisor located the documents and proceeded to transfer me to the fraud dept whom he stated would help me with the removals of the fraudulent inquiries. In turn I was hung up on after being on the line for XXXX minutes and did n't get to speak with anyone. All of these inquiries add a hardship and my rights were violated by Experian. I asked that the CFPB help me stop Experian from victimizing me.
Product: Consumer Loan

There is a repossession from DT Credit on my XXXX credit file that does not belong to me I contacted XXXX and DT Credit and they are not helpful about removing this fraud account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Every time I make a payment on my Lowes Credit card ( Synchrony Bank ), the payment wholly applies to my special apr rate, not what I have just purchased ( which has a much higher rate ). I am able to call and have the payment reallocated, but you have to pay close attention to statements and call after every payment. The payment portal doesnt give an option as to how to apply the payment, and it defaults to what will cost the consumer the most in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am guessing that this account was given to Asset recovery solutions Inc, under false pretenses, I will not pay this bill until XXXX XXXX XXXX AKA XXXX. XXXX sent someone out to fix the wiring that their electrician messed up. I was going to pay for myself up front until they began to be rude, tell me how long I had and who I needed to get to fix it. I had XXXX and that didn't matter t them, so now they can send someone out to fix the problem or I will have my landlord start the process of suing them. I refuse to spend my money up front and wait until they feel like paying me back
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY XXXX  REPORT 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
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE FRAUD ALERT ON MY FILE, I DID NOT AUTHORIZE ANYONE TO PUT IT ON MY CREDIT REPORT, I DON'T WANT IT. PLEASE. THANK YOU!
Product: Debt collection

I sent continuous letters to Equifax, asking for proof on 6 accounts that they reporting on my credit report. They just answer that the account are been verified, I asked how they verify this accounts and never answer my petition. I don't remember having any business with companies. That's why I'm soliciting them for proof of valid information to keep this accounts on my credit report.
Product: Checking or savings account

I went through my bank statement and found a couple of unauthorized transactions and reported them to my bank. I am living in XXXX and the bank blocked my ATM card. This is the 3rd day that I have not been able to withdraw money to eat. I am starving. My bank will not respond anymore to my emails and I don't have a phone to call them. They keep insisting I call them when I have no means of paying a company here to use the Phone service. 
I suggested they authorize to use of the other new ATM card so long as they can allow me to activate it, but they said no. I can't eat, my rent is past due. Wells Fargo will not let me get access to my money and I am really hurting out here. 
Please someone do something quick!
Product: Checking or savings account

I contacted Chase via the secure message center for a credit balance refund on XX/XX/2022. I requested the {$460.00} credit balance to be deposited to my Chase XXXX Checking account. On XX/XX/2022, I received a response that the refund had been processed. I was instructed to wait to receive an email within 1 to 2 business days with further instruction about how to deposit the funds into my checking or savings account. This email never arrived, not even in junk mail. The original response says " if you don't receive an email or if you do not accept the funds electronically within the timeframe specified in the email, a paper check will be mailed to the address on file within 7 to 10 business days from the initial request. '' It has been 15 calendar days ( 11 business days ) since my initial request and I do not appreciate Chase not fulfilling this simple request more promptly, especially for credit card customers with Chase checking accounts. That transfer of funds should be deposited easily. I personally believe they try to hold onto customers ' money for as long as they legally can.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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/year>
Product: Student loan

I use to have XXXX loans with XXXX and then consolidated them into which then it went to navient. I have been in forebearance or deferment for the last few years do to hardship. I recently received a small settlement and would like to pay off my student loan. Like most people know student loans do n't usually settle. I owe a little over XXXX at the moment when I received these loans I only borrowed a little over XXXX. Anyway my complaint with Navient is how much interest has occurred on these loans in such a short time. From where they were at when Navient took over till now. Is there someone who can look into this and see if I 'm being ripped off or what can I do. I want to pay this loan off now but for the right amount and I think I 'm getting screwed over with the interest rate and how my loan has went up so much with them so fast. Please help me
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 ; XXXX  XX/XX/2023 ; XXXX  XX/XX/2023. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX  XXXX numerous times about my two mortgages with them. Informed them the credit report states I owe $ 200ish and confirmed I do not owe them any outstanding balance. 

My report continues to show account is delinquent. I have called as well as initiated email threads confirming I do not have a balance and the loan has been sold. However, my credit report and score are perpetually impacted. 

As of now the lenders have informed me they forgot to wire excess funds nearly {$6000.00} to my transfer lender. 

I do not owe XXXX XXXX XXXX anything and may have double paid them which they are looking to reimburse. Please have this removed from my account ASAP. I am in the process of purchasing more property and this affects my loan process heavily.
Product: Debt collection

To Whom It May Concern, Subject : Dispute of Collection Account on Credit Report - Account # XXXX I am writing to formally dispute an inaccurate collection account listed on my credit report. Below are the details of the account in question : Creditor/Collection Agency Name : FAIR COLLECTIONS & OUT Account Number : XXXX Date of Collection : XX/XX/2024 Date Paid in Full : XX/XX/2024 This account is associated with my previous residence at XXXX XXXX XXXX. Upon moving out, I was informed by the apartment management that my account had a XXXX balance. However, nearly a year later, on XX/XX/2024, a balance exceeding {$200.00} was falsely reported as owed. Despite this error, I promptly paid the balance in full on XX/XX/2024, upon being notified to avoid further complications. 

While this account is now listed as " paid in full, '' it continues to appear under collections on my credit report. This is an inaccurate and unfair representation, as I had no balance upon vacating the property, and the delay in reporting this balance was entirely unjustified. 

I have made numerous attempts to resolve this issue directly with FAIR COLLECTIONS & OUT by sending letters and calling them, yet the account remains on my credit report. 

I am requesting that this collection account be removed entirely from my credit report, as it does not accurately reflect my financial history or the circumstances of the debt. 

Enclosed with this letter, I have included the following supporting documents : Proof of payment for the disputed balance. 
Correspondence records with XXXX XXXX XXXX confirming a XXXX balance at move-out. 
Copies of previous letters sent to the collection agency. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I kindly request that you investigate this matter and ensure that the incorrect information is corrected or removed. 

I look forward to your confirmation of the resolution of this dispute within 30 days of receiving this letter. Should you need any additional information, please do not hesitate to contact me at XXXX or XXXX Thank you for your time and assistance. 

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

On XX/XX/XXXX I noticed on my credit report an account on my report that was not mine I called the company in question that day and reported it to them the took it from there I also contacted XXXX XXXX and reported it as fraud as well and put a flag on my credit for future fraud attempts the amount is for {$11000.00} according to my credit report and the company is Jpmcb and I do not have any knowledge of this account its a fraudulent account and this account according to my report says this was closed on XX/XX/XXXX and that it was opened in XXXX of XXXX and it says it has XXXX XXXX and never had a XXXX  I dont understand any of it these are things on my report that dont make any sense the fact that it just suddenly appears on my report is unexplainable and very disturbing to me ... Jpmcb removed the account from my report back in XX/XX/XXXX and then just today XX/XX/XXXX sent me a letter dated XX/XX/XXXX which is extremely late and it says they found that it was my account and theyre going to send it to the credit bureaus I just dont understand the angle or game here this company has played enough games with me to last a lifetime I dont want any contact with them as I already feel threatened and harassed by them they show up one day and now this and I dont even know who they are
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, the Loan Account XXXX with a balance of {$1000.00} was added to a third party Debt Consolidation Company called XXXX XXXX XXXX I initiated this transfer of the debt due to Affirm 's lack of communication and lack of payment options. Affirm is not communicating appropriately about this outstanding debt. Affirm will no longer be able to obtain this debt from me, but from XXXX XXXX XXXX as they act as Power of Attorney over the account. I had to make this decision because Affirm never contacted me about the debt and when I initiate contact now, they have no options for me to make payments on the debt, nor does their Collections Agency. If the third party Debt Consolidation Company is able to establish contact negotiations over this debt, then a payment or payments can be made to complete the payoff. It is highly suggestable to Affirm that they take this seriously because I made many attempts to pay towards this after they charged the loan off, but they are making it difficult for me to make payments. The purpose of this complaint is to allow this to be in the database for other consumers to see how Affirm operates so they can potentially make a better decision when taking out loans, as Affirm should not have charged off this debt. Affirm claims they sent me emails letting me know that the Debt would be charged off prior to this occurring, however, I have no record of emails from them stating such.
Product: Debt collection

Repetitive collection practices against me and on my credit reports, with XXXX, XXXX  and XXXX. 
every time i dispute the accuracy of the account, the collection companies file a new collection account action against me under a different name, with the same amount owed. this has resulted in my credit score going from XXXX in XX/XX/2020 to XXXX XX/XX/2020. 
I pay all my monthly bills and credit cards, utilities and phone bills. 
I'am service connected XXXX  XXXX XXXX Veteran XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting act 15 USC 1681 law, mandates that rights of a consumer be respected. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality in relation to the LAW. 

1. Date of Closure : XXXX XXXX # : XXXX 2. Date of Closure : XX/XX/XXXX XXXX # : XXXX 3. XXXX XXXX XXXX XXXX # : XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  6. XXXX XXXX XXXX XXXX XXXXXXXX Hard Inquiries 1. XXXX XXXX XXXX Inquire date XX/XX/XXXX 2. XXXX XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX Inquired on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX All soft inquiries All home addresses Wrong Names These accounts, home addresses, hard inquiries, and wrong names have violated my privacy rights. 

15 U.S.C 1681 section 602 A. States that I have the rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : That No consumer reporting agency may make any consumer report containing any of the following items of information, a ) any other adverse item of information b ) 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: Mortgage

My mortgage is currently serviced Seterus, which was transferred from XXXX XXXX   on XXXX. On XXXX, I paid {$64000.00} direct to Seterus. This payment should have reduced my balance to around {$8000.00}. Seterus does not show proper application of this payment. Seterus has continued to accrue 6.375 % at the old principal balance, thus driving up the past due amount artificially ( see attached ). The attached statement also shows past due escrow of {$11000.00} and {$3500.00} of extra charges that were accounted for prior to the {$64000.00} payment. The statement also clearly shows an accelerated amount of {$21000.00} that Seterus can't account for. I have requested payment ledgers to prove up the validity of the accounting, which Seterus has failed to provide. Per RESPA and HUD law, Seterus is required to respond the QWR timely. Since Seterus is deemed a debt collector, they are bound by the FDCPA. Per the FDCPA, Seterus is in violation of 15 US Code 1692g. Seterus is required to prove up the validity of the debt before proceeding with foreclosure action. I feel cheated and deceived by Seterus and I am seeking your assistance on this matter.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Student loan

For the time that I have been out of school, my student loan has bounced around to different " creditors. '' Each time it has been " sold '' to them, another surcharge has been added. According to my calculations, they've tacked on almost another {$1000.00} dollars on top of my {$3500.00} dollar loan. I have set up payment plans numerous times for them to be paid for about six months and then suddenly stop, putting my loan back in to default and adding on more surcharges. 
Now, my account is currently being overseen by Windham Professionals. I spoke with them around the beginning of XX/XX/XXXX, they were trying to set up yet another payment plan, stating my loan was yet again in default. When I asked to young lady to provide me with any statements or records of my account, she caught an attitude, claiming that I should have records of everything I paid and that it wasn't their responsibility to provide me with any information. 
To me, this seems like I'm being scammed. There should have not been any reason to put a stop on any payments i was making. This seems like they are purposely putting a stop so they can add more fees and collect more money from me. 
In XX/XX/XXXX alone, I paid off {$2000.00}.

in XX/XX/XXXX, another {$510.00} That is just what I've been paying since I've been working at XXXX. I do not have access to the statements from previous employment when I was set up to make payments automatically. 
They are currently saying I still owe over {$2000.00}
Product: Credit card

I called citibank customer service twice and got nothing resolved so I cancelled my card. The terms say if you spend {$20000.00} or moe per year you will get an XXXX XXXX certificate for {$120.00}. I have had my card for 7 years and spend between {$5000.00} and {$10000.00} per month. I have never received a certificate. They wouldn't even let me talk to a supervisor. They said the supervisor said you have to talk to XXXX XXXX. I did. They said that's ridiculous, although they will honor a certificate, they can't give me one as they have no idea how much I spent on my credit card. I'll stick with my XXXX Card as they have wonderful customer service. But citi owes me 7 years of {$120.00} certificates. I want those certificates.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It XXXX Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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 methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed charge with Experian, several times, alerting that the account does not belong to me, within 5 hours the credit bureau states the account was verified by creditor. I contacted the creditor directly, spoke with Ms . XXXX, agent states the wrong address and could not pull any shipment information. I don't understand why the creditor is reporting fraudulent information.