23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In 2008 my husband and I had business bankruptcy. We paid off all our debts accordance to judge decision and our credit score slowly started going up. Now I have close to XXXX score with XXXX and XXXX but Experian score is only XXXX! My husband and I do n't have any credit cards since 2008 and XXXX late payments since 2008 so there is no reason for Experian to give us XXXX points less than the other XXXX agencies. We called Experian many times trying to figure out why our score only with this agency so low and because of Experian we can not get any credit cards at all. Unfortunately Experian refuses to change anything saying " it is not us - contact XXXX '' and .... XXXX of course saying " nothing we can do about it - it comes from Experian - so contact them '' Its like " Catch XXXX situation '' - there absolutely nothing wrong with our Experian credit report ( we have XXXX negative items on their report ) but they can not change anything and XXXX can not change anything. The most frustration is ( according to Experian ) since there is " nothing wrong '' with my credit ( of course we are never late and do not own any credit cards and almost no debts ) there is nothing to fix! 
we even bought XXXX XXXX about 6 months ago by using XXXX XXXX and paid if XXXX back but even this did not improved our score with Experian!!! I have the only question : is Experian is about the law and they can XXXX anyone, anytime and can not be hold responsible?
Product: Credit card

Consider this as a Billing Dispute to Navy Federal Credit Union : There have been several " late fees '' and " interest fees '' on my NFCU Credit Card Statements since the credit card was opened, and each one has been included on my credit report, and I believe all past, present and future charges of this nature to be incorrect. Please provide to me all documentary evidence for all interest fees and late fees for the account number XXXX, on the public AND the private side according to XXXX. I am now opting out from Navy Federal Credit Union reporting of " credit utilization '' for this account based on 16 CFR 313, 16 CFR 433.2 and 16 CFR 433.3. It is illegal to report transaction history ( 15 USC 1681 ). Do not remove this credit account from my credit reports, but instead, remove transaction history and cease reporting credit utilization.
Product: Credit reporting

I submitted a dispute to Experian XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as XXXX days past due. after receiving my results from XXXX I called XXXX and they told me that they did NOT verify to XXXX anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that XXXX correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them.
Product: Credit reporting or other personal consumer reports

I am writing to request the method of verification used to determine the accuracy of the disputed information on my credit report. 

Previously, I informed your agency through CFPB Complaint # XXXX on, XX/XX/XXXX that the account in question XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX is inaccurate. However, your response indicated that the information was " verified. '' As such, I am now requesting clarification on the specific method used to verify the accuracy of this account.
Product: Credit card

I had a XXXX balance on my paypal credit account I made many charges which included XXXX promotional balances expiring 6 months away and XXXX standard apr charges of approximately XXXX for both non promotional standard apr purchases. I sent an XXXX dollar payment to pay the standard apr purchases of approximately XXXX and XXXX to go to promotional purchases. I had no minimum payment due from the previous month and thought that would b the case. Instead when I called they said I paid back the money too soon and applied the entire XXXX payment to my promotional balance and none to standard apr purchase because they said I had n't been billed yet. Although the charges already posted to my account from a few days earlier and was part of my balance they were no longer in pending status. They said because it was not part of my statement that has yet to come out the, entire payment went to the promotional balance. Also about three months prior I had promotional balances and XXXX charge of XXXX dollars no balance was expiring within2 months on both cases but when I disputed and won the dispute of the only standard apr charge of XXXX when they credited me back instead of crediting it back to my standard apr purchase they credited me back to my promotional balances. I was supposed to have no payments and deferred interest for 6 months but instead they billed me in this case. My problem is I thought when I pay more than the minimum it was supposed to go to the higher or standard apr and the minimum would go to the lower apr, but they are doing differently and their supervisor told me they are doing nothing wrong because I paid too early and have not been sent a statement for the charges of the standard apr I was paying when I sent XXXX more than the minimum payment from the previous month of a XXXX balance. I only sent the payment about 2 weeks after making the standard apr purchase and it posting to my balance.
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquires on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. ~168B1i ), Unverified inquires must be removed. Please investigate and remove any unverifiable inquires.
Product: Credit card

I made a purchase for XXXX EUR with my Citibank credit card on XX/XX/XXXX and was charged XXXX USD + an additional 3 % foreign exchange fee. The XXXX was based on a conversion rate of XXXX EUR XXXX XXXX USD as I was told by Citi. However, the official exchange rate on XX/XX/XXXX was XXXX. 

I understand that banks/credit cards use rates that are somewhat different from the official exchange rate, but this difference seems quite outrageous, especially since they also charge 3 % foreign exchange fee on top of it. 

Citibank refused to explain to me how they determine their exchange rates and only sent me a document with vague description that doesn't really say much ( attached ).
Product: Credit card

Concora Credit was advised to close my account when the account was paid off. Now I am showing that I supposedly have a balance with this company. When I go in to pay it, there is nothing there for me to be able to pay these people. Now, I can't pay the account off so that they can close it.
Product: Debt collection

I was called by a debt collections agent on XX/XX/21 and quoted over XXXX  grand. When I called today XX/XX/21 to make a payment I was quoted as only owing roughly XXXX dollars. I asked the agent if that was for sure because I was quoted alot more the other day. He searched for anything else including spouse 's debt and found nothing. I have also recieved a letter from the agent I spoke with the from the first call. I paid the smaller amount.
Product: Debt collection

I am writing to bring to your attention a concerning matter regarding a collection account held by XXXX XXXX, with the original creditor listed as Carmax. After conducting a thorough investigation, I am unable to find any record of an account in my name with the aforementioned entities. 

Upon reviewing my credit report, I was surprised to discover an entry from XXXX XXXX, claiming an outstanding debt related to a purported transaction with Carmax. Despite my best efforts, I have been unable to locate any information or documentation pertaining to this alleged account. I have contacted both XXXX XXXX and Carmax, and they have been unable to provide any substantive details or evidence of this debt. 

In light of this, I am formally disputing the validity of this collection account. I believe that there may be an error or misunderstanding in the reporting process, as I have no recollection of any financial transaction with Carmax that would lead to this debt. Additionally, both XXXX XXXX and Carmax have been unable to furnish any supporting documentation or verifiable information regarding this account. 

I kindly request your assistance in investigating this matter further and ensuring that my credit report accurately reflects my financial history. I believe that this discrepancy may be negatively impacting my creditworthiness, and I am eager to resolve it as soon as possible. 

Please let me know if there are any additional steps or information required from my end to facilitate this investigation. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and assistance.
Product: Debt collection

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 XXXXXXXX XXXX PA XXXX Dear National Credit System : XXXX XXXX XXXX or XXXX Account Number or other information to identify account : National Credit System XXXX Naturally XXXX XXXX XXXX XXXX GA XXXX Source of dispute information : Forty-Nine North Apartments Type of disputed information : Rental Debt Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Before issuing a final determination in any dispute in which informal resolution has not been achieved, the Contracting Officer shall suggest that the other party consider the use of voluntary consensual methods of dispute resolution, such as mediation. The DOE dispute resolution specialist is available to provide assistance for such disputes, as are trained mediators of other federal agencies. ADR may be used at any stage of a dispute. 


Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Both my Citibank and XXXX cards were skimmed in XXXX XXXX. I contacted both companies and neither are cooperating in reimbursing the fraud. It is clear they are not me and I feel they didn't even both investigating. I am supposed to be protected from fraud and this is devastating as the amount for both together are almost {$3500.00}. I have filed a police report and have a copy, a report with the XXXX  ( for Citi ), and the FTC ( reference number XXXX ). Below are the amounts for both : Citibank XXXX XXXX XXXX - {$110.00} XXXX XXXX  XXXX Nevada XXXX {$150.00} ( I live in NC ) XXXX XXXX {$590.00} XXXX - {$180.00} XXXX XXXX Nevada XXXX {$200.00} XXXX XXXX XXXX {$490.00} Nevada CHild Support - {$300.00} ( I don't even have a kid ) XXXX  XX/XX/XXXX XXXX XXXX - {$480.00} and {$900.00}
Product: Credit card or prepaid card

This is the second complaint I have filed. Your company sent a inquiry to Citibank and their response has been to go back and other fraudulant charges made by the same establishment apply back to my card after they initially removed them from what I owed. They tacked on charges of approximately 12000 dollars that a bar ( XXXX XXXX   ) charged me when I never purchased anything near the amounts they charge me. I sit there and drink beer there is no possible way I worked a bill to the amounts of XXXX. Its insane and others have complained on reporting sites. Citibanks justification for charging me the fees is that I admitted to being present at this establishment. That in no way means I racked up that much in a bill. The bar is run by gangsters and no one is stopping them from over charging and not having he customer sign for their bill. I need someones help. I have this card for many years and this is the only time ever I have filed a fraud case.
Product: Credit reporting or other personal consumer reports

Be advised this is my last attempt to secure my LexisNexis consumer report that Im entitled to under 15 U.S.C. 1681 et seq.

Ive provided you with all the required identification documentation requested, only to continue receiving your moronic boilerplate letters, which Ive attached. 

I need my consumer report by XX/XX/XXXX, or a proper and justified complaint will be filed with the CFPB.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureaus Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX DATED XX/XX/2024, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I submitted a dispute with Equifax disputing the XXXX XXXX XXXX collection account that is reporting on my credit report. XXXX claims the debt was validated and did not remove it from my reports. XX/XX/19 I submitted a request for Equifax to provide me method of verification they used to ensure the debt was valid. I never received anything confirming. 

I reached out to XXXX XXXX XXXX on XX/XX/19 to request validation and they also failed to provide me with any documents regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit yesterday XX/XX/2023 because i want to buy a house and noticed erroneous infornmation on my credit profile. below is the information. 

Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$760.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Amount Owed : {$1000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$600.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$610.00} Account Name : NATIONAL CREDIT ADJU Account Number : XXXX Amount Owed : {$310.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$220.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$750.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Amount Owed : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$200.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : XXXX
Product: Debt collection

On XX/XX/2024, I became aware of a balance of {$170.00} in an old checking account number XXXX that was in collections with STEEL RIVER SYSTEMS. This balance needed to be paid, along with a satisfaction letter, in order to close out my mortgage loan. I promptly paid the balance on the same day, XXXX XXXX, 2024. However, when I requested a receipt or the satisfaction letter, I was informed that I would have to wait XXXX weeks from the payment date to receive the satisfaction letter via email. 

On XX/XX/2024, I contacted the same representative I had spoken with XXXX weeks prior to request the satisfaction letter. Unfortunately, I was belittled and told that it was not possible to email the letter. I was not informed that payments could be made over the phone or online until XX/XX/2024. The initial payment on XX/XX/2024 was made over the phone. 

Upon accessing the STEEL RIVER SYSTEM portal, where consumers are supposed to view upcoming, past, and current payments, I discovered that the debt of {$170.00} was still shown as owed. In order to obtain a receipt or the satisfaction letter by email before XX/XX/2024 to proceed with moving into my new home, I may need to make another payment online. I have attempted to resolve this issue multiple times, which has resulted in spending half a day trying to speak with a supervisor.
Product: Mortgage

Shellpoint Newrez assumed my HELOC loan and changed the payment amount from {$380.00} to {$500.00} per month. I filed CFPB complaint XXXX to have the issue resolved. Shellpoint provided an incorrect response stating that the new payment was increased because it would not be paid off in full by the maturity date with the current payment of approximately {$380.00}. This is mathematically incorrect. The Shellpoint website shows a loan maturity date of XXXX  ( screenshot attached ), which is approximately XXXX months from today. A balance of {$33000.00} amortized over XXXX monthly payments with an interest rate of XXXX % is a monthly payment of approximately {$380.00} ( see attached amortization schedule ). 

Paying {$500.00} per month with the current interest rate results in the loan being paid off in approximately XXXX months, which is XXXX, nearly XXXX years ahead of the stated loan maturity date ( see second attached amortization schedule ). 

I included supporting documents : - Screenshot of the loan details from Newrezs own website stating a loan maturity date of XXXX 
- An amortization schedule showing the payment for XXXX months, using the current balance of {$33000.00} at XXXX % interest. 
- An amortization schedule showing a payment of {$500.00} for the same principle and interest. 
- A copy of the original complaint for reference. 
- A copy of Newrez 's response to the original complain for reference. 

Please review these documents again and adjust the account to the appropriate payment amount.
Product: Credit reporting or other personal consumer reports

I am filling this complaint indicating my dispute of information in my credit report. 
XXXX XXXX XXXXXXXX Balance Owed : {$73.00} XXXX XXXX XXXX Balance XXXX : {$90.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear lexis nexis Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 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 or other personal consumer reports

After reviewing my credit report, I noticed several billing errors, including late payments that don't align with my usual payment habits. Please make the necessary corrections and update my account. Thank you.
Product: Credit reporting or other personal consumer reports

Code ( XXXX  ) XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TXXXX XXXX XXXX XXXX, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
( Accounts ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX needs to be removed from my credit report " I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof the XXXX XXXX XXXX, nor therefore any such debt exists this company is sharing my information back and farward with another company and it is illegal to do so without my permission
Product: Payday loan, title loan, or personal loan

On XXXX/XXXX/XXXX, I was contacted by a XXXX from Regional Finance located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, stating that I had cashed a check for {$2400.00} on XXXX/XXXX/XXXX and that I had missed payments. This was the first time I heard of Regional Finance, and I did not cash a check for {$2400.00}. XXXX, from Regional Finance, informed me that Regional Finance buys information from credit card companies, pre-approves people for payday loans, then mails the payday loan to the address. Unfortunately, the check got mailed to a previous address of mine, and someone else signed the check in my maiden name and cashed the check. XXXX, from Regional Finance, informed me that my driver 's license was on file, but when she read me the driver 's license number on file, driver 's license number on file did not match up with the number on my driver 's license. They also told me that the email address on file was XXXXXXXXXXXX, which is not my email address. I asked XXXX, from Regional Finance, how they got my telephone number, and she said they " googled it. '' XXXX, from Regional Finance, also informed me that if I did not come into their office to sign an affidavit, my credit would be affected.