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

These were a corporate accounts and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX, XXXX and Transunion Credit bureaus are willfully in violation of FCRA and condoning illegal behaviour, They must correct or remove these fraudulent accounts immediately. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On my Equifax credit report they still have a inquiry from XXXX XXXX XXXX XXXX  XXXX XXXX this inquiry was done due to identity theft your company took off XXXX XXXX XXXX  so why not this one too? XXXX XXXX still has XXXX? Still one here on my credit report after 90 days. Still have not taken this inquiry off.
Product: Credit card or prepaid card

I transferred a balance to my American Express card for a 4 % fee and no interest for 12 months. I transferred it from a card where my APR was 13.9. On my first bill I noticed that I was charged the transfer fee as well as interest at 22 %! I called them they apologized and took off the interest charge and said it will not happen again. The next month I'm charged interest again. I call them they said they know it's a problem and notated my account. The interest fee was never refunded for last month and my bill this month has another interest charge on it. I feel like 3 months is more than enough time to solve this problem and I am tired of having to call every month and getting nowhere.
Product: Student loan

Mohela recently moved my student loan account into repayment status. However, the servicer calculated my monthly payment incorrectly when it transitioned my account to the XXXX plan. There is no math on planet XXXX that shows how Mohela arrived at a monthly payment amount of {$530.00}, due XX/XX/XXXX. 

On XX/XX/XXXX, my monthly payment was calculated to be {$410.00} under the XXXX plan. I have not recertified my income since that date. Now that the XXXX plan is effective and uses 225 % of the XXXX XXXX XXXX instead of the 150 % figure that XXXX used, the monthly payment should have decreased. That means " gone down, '' for the kind folks at Mohela doing their best to keep up. 

In addition, my spouse 's repayment increased from approximately {$180.00} to over {$500.00}. Clearly, Mohela has calculated monthly payments incorrectly under the XXXX plan XXXX has not accounted for the appropriate family size *and* has ignored the requirement to prorate monthly payments among spouses when both owe student loans and are on income-driven repayment plans. 

The Mohela logline that " some borrowers will have a higher monthly payment '' after the XXXX plan recalculation is not an adequate explanation, as demonstrated by the facts above. On XX/XX/XXXX, I used the " Contact Us '' feature at Mohela to request a correction of the repayment amount but I have not received a response.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received XXXX 's credit card in the mail at my XXXX address, account ending # XXXX. I reported identity theft to XXXX 's - XXXX XXXX XXXX. XXXX 's processed claim to close card. I received letter dated XX/XX/XXXX to my previous address in XXXX XXXX, IL XXXX that I had applied for XXXX 's credit card - XXXX  XXXX XXXX Ref ending # XXXX. I contacted XX/XX/XXXX to report identity theft. I received another letter dated XX/XX/XXXX to my previous XXXX XXXX address that I had applied for XXXX XXXX XXXX credit card -XXXX XXXX Ref # ending XXXX. I contacted XXXX XXXX on XX/XX/XXXX to report identity theft. XX/XX/XXXX Called XXXX XXXX to report identity theft on XXXX XXXX XXXX credit card inquire ref # ending XXXX. XX/XX/XXXX pulled credit report, submitted fraud alerts with all 3 credit agencies, submitted Police Report and Identity Theft Report to Federal Trade Commission. XX/XX/XXXX Submitted extended fraud alerts via mail request and mailed dispute requests to credit card companies and credit agencies.
Product: Mortgage

Bank of America NA, XXXX CA is asking me to send them a wire every month for next 1 year to penalize me for XXXX late payments which were paid within a month of the due date but none of the payments were over a month late. I work Monday to Friday and am unable to go to the bank to do the wire every month. I would like them to do automated payments through my bank account. I am on the XXXX year of mortgage payments. Also they sent me a letter saying that my automated payments have been cancelled on my request. I never contacted them to stop the automated payments. they choose themselves to stop the automated payments because of their internal policy
Product: Credit card

On XX/XX/XXXX  I received a letter from Synchrony Bank saying I had an overdue account of {$20.00}. I called the number repeatedly but couldnt get a live person. I emailed the company but got no response. I kept calling and finally talked to an agent and filed a fraud report. I was told that I would not be responsible for the charges while there was an ongoing investigation and that they would notify the credit bureaus as well. Now I continuously get emails and text saying that I have a balance over 60 days and my credit has gone down XXXX points as a result of this!! Im so upset about this and its giving me so much XXXX  because I keep getting notices from the credit companies about how much my credit has gone down. Ive called all the credit bureaus and written letters to all of them as well. Ive also written to Synchrony Bank. I havent received any responses yet. Ive always paid my bills on time and Ive never had a late payment. My credit is very important to me and Ive worked hard to keep it in excellent standings. This is outrageous that theyre ruining my credit for two charges for {$5.00} that they cant even tell me what theyre for! Ive had an XXXX account with XXXX for many years and its set up with automatic payments. Im a reliable and responsible person. Im XXXX XXXX XXXX and plan on XXXX in a couple years. I need my credit to be in good standings so I can get a small mortgage if I need one. Please help me with this. I would be so grateful. Thank you very much. XXXX XXXX
Product: Debt collection

I certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). Additionally, I certify that I am authorized to initiate this disagreement under FEDERAL and STATE LAW. Additionally, I am aware that major factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, perjury is a crime under 18 U.S.C. 1621, which makes these lies punishable. My credit report contains a collection that has nothing to do with any purchases I've made. I claim that someone or some organization utilized my personal information without my consent to apply for products, services, or money and was successful in opening several accounts. The FTC is looking into everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID theft victim XXXX, XXXX and XXXX all have other data reporting reports that is unfair not notifying the consumer of other agency they use when we opt out of everything
Product: Debt collection

On XX/XX/2023, my partner and I received a debt notification from " Columbia Debt Recovery LLC DBA Genesis " along with a statement for a " move out cleaning fee '' of {$150.00} from XXXX XXXX XXXX. We responded and formally disputed debt the same day. In the dispute, we made them aware that the debt collection is unlawful as per the California law Civil Code 1950.5, " tenants are not responsible for ordinary wear and tear, and no charges for cleaning of wear and tear are allowed... The burden of proof lies with the landlord to provide evidence supporting any cleaning charges. '' In light of these legal requirements, I requested they provide me with an itemized statement as specified by California Civil Code 1950.5, Section F, including the texts of paragraphs ( 1 ) to ( 4 ) of Subdivision ( b ). I also requested to include the necessary documents as outlined in Section G of the civil code, providing a clear breakdown of charges incurred for cleaning that they are claiming are beyond wear and tear, including the details of the work performed or the invoices/receipts from the relevant service providers.

To assist in reviewing the relevant laws and guidelines, in the dispute I included the website link to California Civil Code Section 1950.5, which can be accessed at [ XXXX XXXX XXXX XXXX XXXX XXXX ]. Additionally, I provided the website link to California 's Tenants and Landlords Rights and Responsibilities guide, which can be found at [ https : //www.courts.ca.gov/documents/California-Tenants-Guide.pdf ]. 
The debt collector sent the invoice, rental agreement lease and move out statement however failed to provide what is required by California Law which is an itemized statement required to show damage beyond wear and tear which requires a professional cleaning. I made them aware that it is lawfully required to show exactly what was done to fix the apartment, a blanket cleaning fee does not suffice the requirement. I also made them aware that to continue to ask for this payment without the required documentation is now a violation of California 's Rosenthal Fair Debt Collection Practices Act.

Instead of receiving an answer with the lawfully required documentation, the debt collector sent the collection amount to the Credit Bureaus and the derogatory mark of the debt appeared on our credit reports. In addition, the debt collector did not tell the Credit Bureau 's that we were formally disputing the debt, which they are legally required to do.
Product: Debt collection

Equifax illegally reinserted accounts in violation of the Federal Statute Rules 611 of the Fair Credit Report Act. Equifax failed to follow policy and procedures when it reinstated accounts on consumer 's credit report. Equifax failed to certify accurate information ; notify consumer within 5 business days of the reinsertion ; and provide business address and information of the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account that is a student loan and this is not mine I have been disputing this with the bureaus for months now I need this off my credit since it does not belong to me!!! 

XXXX - Acct # XXXX XXXX {$140000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an agreement with the attorney and company after the account was paid in full it would be removed from my credit report the account was paid in full some years ago and the account is still on my credit report. PLEASE REMOVE ASAP. Consumers have a right under the FCRA to challenge information in their files that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in In accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address, and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

Im having issues with inquiries from credit companies who say it wont affect your credit or it will drop off quickly and its still affecting my score. I also hired an attorney to remove a car loan that I wasnt responsible for and it didnt even raise my score. All the credit cards that say charge off were cards I had when XXXX shut my life down. They said over the phone they were releasing me from the debt due to hardship and reported after XXXX restrictions lifted : the lving corporation is a company who bought credit ones old debts. I settled it with credit one and it was sold. The other charge off was from bridgecrest where I was told it would be removed from my credit report and was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX XXXX/ Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX/ Account # XXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Debt collection

Comenity bank needed a formal letter to have a cease and desist put on my account to stop repeated calls to both work numbers on file. I am currently off from work due to XXXX related issues that continue to reoccur. I need all correspondence to go to my mailing address.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Mortgage

I sent letters to 2 addresses on XX/XX/XXXX and never received a response ( copy of letter attached ). I have also attached the tracking verifications from USPS. Also attached is a Sheriffs Sales listing that our home will be auctioned on XX/XX/XXXX. I have gone around and around with these people and the problems THEY have created. Foreclosure was started in XXXX of XXXX. Copies of checks they cashed with statements. Payments were set up for automatic transfer but somebody at Specialized Loan Service cancelled that agreement without out permission or knowledge back in XX/XX/XXXX. Three payments were deducted from out account... but then returned to the bank at a later date. As soon as I saw what happened, I sent a check. Can they legally change the payment plan without our permission or even letting us know? Nothing makes any sense at all about the payments. If they had been applied properly, I believe the Account would have been current in XXXX of XXXX when they started refusing my checks and started the Foreclosure process. Would THAT be legal? Payment break down from SLS was $ XXXX/Principal ; $ XXXXInterest and {$39.00} interest. The amount of Principal would have gone down MORE than {$12000.00}. When the balance was transferred from XXXX, it was {$78000.00} with {$3000.00} Escrow balance. The amount they say I owe is ridiculous. They have added THEIR attorney fees and thousands of dollars for unexplained charges. I applied twice for restructure. First to get time to get to the bottom of it ; 2nd when I was battling XXXX. Both denied. I also tried to send a large payment ( {$12000.00} ) and it was not accepted ( copy of letter attached ). I have also attached Escrow information. My bank will provide a spreadsheet which I'm sure would be easier ( I also offered that to them ) ..but I have to request it and pay $ XXXX/hr. Should I be reporting this to RESPA? Can you help?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I voluntarily surrendered my vehicle to XXXX XXXX ( XXXX ) under an agreement to pay {$5000.00} in exchange for the account being marked as paid as agreed. This agreement was made years ago, and I fulfilled my obligation by paying the agreed-upon amount. 

Despite this, XXXX XXXX  ( XXXX ) has continuously reported the account as a charge-off, stating that {$6800.00} was written off. This inaccurate reporting has negatively impacted my credit for years, severely affecting my ability to purchase a home. Additionally, I never received any documentation confirming the charge-off. 

I should not be held responsible for a debt that was settled amicably under a clear agreement. If XXXX XXXX ( XXXX ) is no longer in business, any remaining balance is their responsibility, not mine. 

This situation has caused me significant financial harm, and I am seeking immediate relief, including the correction or removal of this inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Co Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX have all 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I was getting charged too much money and my credit wasnt going up as promised and i was paying wayyy to much money for them now to do any work or help me improve my credit. 

Bad customer Service