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

XXXX and Experian are reporting incorrectly a collection/chargeoff in the amount of {$16000.00} on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account balance is incorrect. I had XXXX insurance at the time and the liability insurance paid off any remaining balance due. ( Please see verification of XXXX insurance documents attached for reference. ) This account should be reporting a {$0.00} balance and not be reporting as a collection/chargeoff. I have made numerous calls and inquiries to XXXX XXXX to send me an accurate accounting to date. Each representative I have spoken with assured me they would send me my account history and any current information they have on file. They have never reached out to me either by telephone ; email or written correspondence to date. I have contacted the bureaus as well to fix this incorrect reporting however, I have not been successful. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report.
Product: Credit reporting or other personal consumer reports

i am a very XXXX  person battleing XXXX, that being said i have hired a XXXX XXXX XXXX to take care of me for the past XXXX  years, and XXXXXXXX XXXX XXXX  years of age has stolen my personal information to get credit cards under my name. and using my personal bank account to pay small payments using my personal checking account. i have filed all compliants to everyone to support my claim in this matter, please take the time to review my claim for fraudulant accounts opened in my name!. 
thank you. 
XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XX/XX/15 Balance : {$270000.00}
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, fraudulent accounts and inquiries have been added to my credit report without my consent or knowledge. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all of the following accounts and inquiries be blocked and deleted from my credit file : Fraudulent Account : XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Fraudulent Inquiries : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 with my written instructions
Product: Credit card

RE : Case Number XXXX XXXX In appreciation to the Financial Bureau I would like to respond to the recent American Express correspondence. 

The letter dated XX/XX/year> is one of scripted remarks.

In paragraph- '' you're not eligible for the welcome offer '' It mentions informing me consequences if I apply for the credit card application, knowing I have a XXXX XXXX or related credit accounts. It also advises me I would adhere to an agreement without a checked credit status?. American Express neglects to provide these sources during the application process. This dispute is based entirely on having any XXXX  accounts. I explained unknowingly if any th

ese accounts exists, for the fact of not receiving any statements by any means. American Express is required to inform valued customers the conditions of their accounts during intervenes. American Express has an expense to maintain active accounts and it is a company deduction if done properly. As a consumer, I should be advised how my accounts are trending during the given duration. To this date, I still don't know what accounts are active or closed. I have made inquiries to the " SWITCH '' of my credit card policy. I was seeking a valid tangible explanation and was promised a letter within 10 days. Several weeks have passed not receiving this letter compelling me to make another inquiry that call was met with disregards or concerns. If the communications were ethical I would not ask the Financial Bureau to mediate. In closing, I have experienced a shameful event and it is without any frustrations to enlighten potential customers about American Express deceiving programs.

Truly yours, XXXX XXXX
Product: Debt collection

I changed my address and had XXXX transfer to new address. It is a free service the offer but somehow they made a mistake and had my cancelling service hence charging me a XXXX dollar early termination fee. I have contacted them 20 times as well as speaking to their corporate office in Pennsylvania with XXXX. I have been assured for months they would fix and never did. Now it is in collections with a company called Financial Business And Consumer Solutions . Please Help! 
Thanks for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXXXXXX XXXX XXXXXXXX. Please correct and update.
Product: Student loan

I had long term loan w XXXX paying for over 15 years on time. With new XXXX terms I was strongly encouraged to file for XXXX relief. I was told I must consolidate my FFLEP loans and transfer to MOHELA. XXXX Mohela account number is XXXX. ** I called XXXX to discuss and MOHELA before applying in late XXXX. In XXXX loan data it showed payments back to XXXX. My payments thru Navient were under {$300.00} until I was told to consolidate by XXXX along with PSLF app. I contacted Mohela and was advised to send XXXX app at same time as consolidation app which I did in XXXX. But once submitted ALL records of my past payments are missing in XXXX and not credited by Mohela towards forgiveness! My new interest is good but starting in XXXX my payments will be {$700.00}! My work history appears to have qualified ( as it should ) but NO CREDIT towards forgiveness for all those years. They have this posted on website as my PSLF status. 
Received Date Status Description XX/XX/XXXX Processed A notice has been sent. Please allow 7-10 business days for the notice to be received. I called Mohela and they reported previous payments will be posted once confirmed. Confirmed by whom? No record yet and my credit report reflects total debt the same w payments due next month. This makes me worse off than I was. Please investigate.
Product: Credit card

The Lowes consumer card has recently added a {$1.00} monthly fee for not accepting to opt in to the paperless option. A paperless option is not necessarily a good option for all of us, as I am XXXX XXXX XXXX, and I am not as good as I used to be at using computers. As a consumer I need the paper bill to come in the mail so I may use it as a reminder to pay the monthly bill and to monitor any activity on my account. This new fee is a great example of being able to monitor the account since I would not notice a similar fee on a digital or paperless account. I believe it's unfair to consumers to have to pay a fee on top of current interests for these retail credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

I am a parent of a student who attended the school between   XXXX   to   XXXX   or so.. from what I can figure out base on my conversation with navient is my son loans were subsidized and unsubsidized. i believe the parent plus loan amount of   XXXX   from distribution dates as follows : PER  NAVIANT  PARENT PLUS LOAN   XXXX   XXXX   XXXX   ***1st son --   XX/XX/XXXX - $   XXXX ** XX/XX/XXXX - $   XXXX  **  XX/XX/XXXX  $  XXXX ** XX/XX/XXXX  $  XXXX **total  {$23000.00} AND  XX/XX/XXXX - {$10000.00}     XXXX   XXXX   XXXX   XXXX     -2nd s on only had this parent plus.    CONSOLIDATED   XXXX    {$26000.00} CONSOLIDATED  XXXX  {$10000.00} FOR TOTAL OF {$36000.00} @ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SON ACCT CONSOLIDATED   XXXX   TOTAL {$24000.00} AND  XXXX  TOTAL   XXXX @ XXXX   INTEREST RATE..I BELIEVE THE  XXXX  ACCTS ARE  ONE  IN THE SAME ...   XXXX   UNDER MY SON 'S NAME AND  XXXX  UNDER MY NAME. NEED SOMEONE TO ANALYZE BOTH LOANS. WE ARE BOTH CURRENTLY PLAYING ON THE TOTAL AMOUNT OF THOSE CONSOLIDATIONS OF   XXXX **   XXXX   AND  XXXX  ** XXXX .    ACTUALLY LOANS DISBURSED   XX/XX/XXXX   TO ABOUT  XXXX  THEN TRIED TO CONSOLIDATE
Product: Credit card or prepaid card

Today is XX/XX/XXXX and I just got off of the phone with Capital One regarding a restricted account. Ive been making my on time payments for the past few months as the card was restricted and theyve sent me a letter stating my card would be available for use again if I made 5 on time payments which I did since last year ( XXXX XXXX and I spoke to someone a few months back and they indeed found the letter but still couldnt open back up my account. Theyre stating its permanently restricted. One issue is that this is my oldest card and second issue is that the card has an annual fee. I confirmed today with a Capital One Account Specialist that my account would be remained opened without spending privileges and he doesnt know what he could do to help me with the annual fee which will be charged on XX/XX/XXXX.
Product: Debt collection

Again, opportunity financial is attempting to collect on a debt registered with the federal government as fraud. They continue to try and connect my name to this debt without being able to give me the location the debt originated. None of the documents provide this information. The ip address used for the loan is based in Iowa.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XX/XX/XXXX Balance : {$470.00}, XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$9800.00}
Product: Checking or savings account

BMO Bank closed my account without valid reasoning and has refused to provide specific details.

Three specific employees were directly involved, and one ( XXXX XXXX XXXX contacted me from his personal cell phone to discuss my case in a non-official capacity. 

BMOs response to the OCC was vague and omitted key details, suggesting potential misconduct.

The banks actions have caused financial disruption, and I demand a full internal review and regulatory intervention.
Product: Checking or savings account

So Ive been banking with RobinHood for about a year now. All of a sudden when I add my XXXX dollars to my robinhood account they immediately froze ( restricted ) my account for no apparent reason. I asked them why, they provided me with no answer at all. They asked me for documentation like ID, Social Security card, selfie picture, and my bank statement. I provided all these documentation but My account is restricted. They are not helping me at all anymore. I am a very poor person and {$490.00} was for my rent and I have nothing left. Robinhood is not helping me at all and I really think they are trying to steal my money. I provided every piece of documentation they asked for but they still have not released my funds. Its been more then a week since my account has been restricted
Product: Credit reporting or other personal consumer reports

The car was taken back by XXXX XXXX, but the accuracy of the payment history wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under thes following circumstances and no other : ( 2 ) 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 listed IMMEDIATELY!
Product: Checking or savings account

My wife received unemployment benefits due to the pandemic. She can't read English very well and isn't adept at computers so I had to fill out the forms to make it happen. I added her as a co-owner of my bank account at Ally Bank and so I put this account number into the form to receive the funds from the government.

The problem is that for whatever reason, my request to add her to my account didn't go through at Ally Bank and I did not realize this. I added her to my other bank ( XXXX XXXX ) and they added her as co-owner immediately. However, Ally Bank asked for additional documentation because my spouse is a foreign national. I gave them the additional documentation and assumed that it had been taken care of. 

A few months into her receiving her unemployment benefits, Ally Bank locks my account and tells me to contact them. 

So I call and after waiting on hold for a while, the woman comes back and says in an accusatory voice, " Who is ( wife 's name ) to you? ", I say, " That's my wife. '' She must have thought I was lying because she then says, " Yeah? We're ending our relationship with you. Your account received funds for ( wife 's name ) which is not your name on the account. '' As I try to explain that I thought she had been added as a co-owner of the account, the rep hangs up on me mid-sentence. When I tried to call back, I found that my number was blocked. 

I understand that it may look strange because my wife is a foreign national and has an XXXX name while my name is quite plain. However, I do have a marriage certificate that shows we were married on XX/XX/XXXX in Pennsylvania. 

The incident with Ally Bank happened XXXX, XXXX and it is now XXXX, XXXX and I have not heard anything from Ally Bank. However, they keep sending me paper statements for my account which show that I have {$10000.00} in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in mid XXXX I was told I was approved for a credit card and I wasn't approved when I applied for it and it hurt my credit
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

Unauthorized access and breach of educational records, financial aid data, and IRS tax information by the U.S. Department of Education, and the Department of Governmental Efficiency on or around XX/XX/year>. I became aware XX/XX/year>. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act and Title IV regulations, as well as the egregious violation of my personal privacy and financial security. 

My sensitive and legally protected records were accessed and potentially shared without my consent. This includes : XXXX. Academic records and personally identifiable information. 
XXXX. XXXX XXXX for XXXX XXXX XXXX data, including aid history and load information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization.
Product: Mortgage

XX/XX/18 I contacted Ocwen loan svcs to pay my mortgage electronically by phone which I have done many times over the past 11 years, however this time it did not allow the call and transferred to a human. The rep on the phone told me my husband needed to authorize me so he did, she then said no he needed to put it u n writing. I then told her I am simply giving you money and not looking for any information i want you to take the mortgage payment directly from my account like you have done for the past 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The decision to not delete the public record on file is very upsetting and I do not think this is fair. I have sent supporting documentation to XXXX and Transunion showing, prior to the public record, that XXXX XXXX admits to an erroneous software miscalculation on XX/XX/XXXX which denied a loan modification which led to the public record filing on XXXX, XXXX, XXXX. This case has extenuating circumstances. The public record filing should never of been filed in the first place but was based on an error by XXXX XXXX. XXXX XXXX suppressed this information from me for 7 years as I was notified on XX/XX/XXXX of the error. This is the correct aspect of this matter. It is time to end all the controversy of this matter and by deleting the last public record on my credit report will do so.