23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I had a problem with XXXX XXXX which i paid them on time i have a proof of the cashed check by them they kept telling me they never received my payment and then finally my bank advised me to stop payment on this check and reissue them another check to solve the issue we did and then we though the problem is taking care of I closed my account with XXXX XXXX as well. but XXXX XXXX went a head and report me late on my payment for more than 90 days I learned about that when I was applying for a loan and my Loan was declined I tried to contact Experian they have no one to answer their phone it is an automated service and there is no person to talk to I tried to log to their website to dispute this wrong information I got a message I can not do that on Line I need to speak with them again I tried the number one more time during business hours I was not able to get a hold of any one. Now Exerian allowed XXXX XXXX to report the wrong information about me without no proof and they are providing this information to any lender who check my credit report and they are not giving me a chance to correct that error with them attached is the respond i got when i was trying to dispute the error plus a copy of the paid check to XXXX XXXX back and front to confirm they cashed it Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

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

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft! Ive sent in an ftc report to Transunion! The following accounts are fraudulent and need to be removed from my credit file. 
XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RADIOLOGY THE NAME XXXX XXXX DOESNT BELONG TO ME! 
I NEVER LIVED AT XXXX XXXX XXXX XXXX XXXX fl XXXX!! 

Both XXXX and XXXX has removed accounts. Accounts are fraudulent and cant be verified or validated!!! Please Block per fcra
Product: Debt collection

I received a letter from Commonwealth Financial Systems Inc. Dated XXXX/XXXX/XXXX attempting to collect on a debt. XXXX # XXXX and XXXX. Original Account # XXXX XXXX, XXXX XXXX. *Attached I did not recognize the debt and requested validation via letter Dated XXXX/XXXX/XXXX VIA USPS Certified Mail : XXXX return receipt requested. *Attached. 

The validation request return receipt was returned. *Attached I received a letter from Commonwealth Financial Systems Inc . Dated XXXX/XXXX/XXXX attempting to collect the same debt.They changed their account numbers to XXXX # XXXX and XXXX. However, it is for the same OriginalAccount # XXXX XXXX, XXXX XXXX. *Attached They keep trying to collect this debt ( for only XXXX knows what ) and will not validate the debt.
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 Account Name : XXXX XXXX  XXXX A Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX has violated my rights. Or 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: Mortgage

I called up my loan company Rushmore Loan Management during the month of XXXX they advised that they would give me a loan payment plan of 12 months and that my first payment of {$2700.00} would be XX/XX/2022 and said that I would be getting my letter to what was said and agreed as of today 's date I never got the letter and called on XX/XX/2022 and advised them that I needed a 1098 because I had no way of printing the document. As I was speaking to the rep I then find out from the rep that this was denied cause I did not make a payment XXXX I was never told to make a payment XXXX therefore how could I have known when it was agreed to pay {$2700.00} beginning XX/XX/2022 and I was never given a letter to this affect I am now told that I needed more money when it was already agreed to the amount and the payments to be paid over a 12 month period beginning XX/XX/2022. Mortgage company seems to not remember what is agreed and reps want more money than agreed in order to avoid calculating the 12 monthly payment plan. Mortgage company is keeping the customer in the dark on the status and at the last min wanting more than what is agreed in order not to do paperwork to assist customers. Mortgage company continues to keep customers in the dark with no notification of status as it is verbally agreed on a recorded call. No one wants to agree to something then be surprised, this is exactly what is happening with this company the customer can not do a payment when they are not aware of a payment then be penalized when the rep who works for the company told the customer when the next payment is going to be on the scheduled payment plan it makes the company look bad and affects the trust that customers give which now is at a all time low because the company is not doing what is said even though they are being recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 

privacy and consent 15 USC 1681 section 604 A section 2 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.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ] Subject : Dispute of Fraudulent Activity on XXXX XXXX XXXX Account Dear Sir/Madam, I am writing to dispute fraudulent activities on my XXXX credit card account that was opened on XX/XX/year> with a balance of {$1200.00}. I am a victim of identity theft and abuse, as well as caregiver fraud during a vulnerable time when XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

During this period, the caregiver who had access to my personal information, including my phone, social security number, and other sensitive details, misused my data to open a credit card account with XXXX without my consent. The unauthorized transactions made on the account are not reflective of my actions or financial decisions. 

I hereby request your assistance in investigating this matter and taking necessary steps to rectify the fraudulent activities on the XXXX credit card account associated with my name. I urge you to prioritize this dispute as it has caused significant distress and financial harm. 

Enclosed with this letter, please find supporting documents, including copies of my identification, proof of residency, and any other information that may help in resolving this issue efficiently. 

Request a freeze and deleting of credit card information on this matter during the investigation promptly. 

I would appreciate your prompt attention to this matter and request your support in restoring my credit and financial standing. 
Thank you for your understanding and cooperation in this challenging situation. 

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

Based on State law this account exceeds the State of California 's Statute of Limitations. Please verify all information is correct and does not violate consumer and State law.
Product: Credit reporting or other personal consumer reports

Last XXXX XXXX XXXX I am in disagreement with the items listed below which still appear on my credit report, even after your investigation. I would like this item to be re-investigated immediately. This inaccuracy is highly injurious to my credit rating. 

XXXXXXXX XXXX Account XXXX opened XX/XX/XXXX XXXX XXXX XXXX Account XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX  Account XXXX opened XX/XX/XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 

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

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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 XXXX XXXX
Product: Debt collection

The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
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  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Student loan

I paid one of my loans ( XXXX XXXX XXXX, 7.08 % interest rate ) in full on XX/XX/XXXX and received confirmation from MOHELA that the payment was accepted. I continued to make payments on XXXX of my other loans ( XXXX XXXX XXXX with a 6.6 % interest rate that was reduced to 6.35 % due to XXXX XXXX of which I have been enrolled in since XXXX ). Following the resumption of student loan interest, my remaining loans ( XXXX XXXX XXXX, XXXX, XXXX & XXXX ) were properly reflected in my account through XX/XX/XXXX. I called XXXX times to advise that my XXXX XXXX was scheduled by MOHELA to come out on XXXX different dates ( XX/XX/XXXX & XX/XX/XXXX ), asked for it to come out on XXXX date to prevent issues, and was assured that it would come out in XXXX lump sum payment on XXXX date ( XX/XX/XXXX ). Despite this, a payment for XXXX XXXX XXXX, XXXX & XXXX came out on XX/XX/XXXX and a payment for XXXX XXXX XXXX came out on XX/XX/XXXX. I called on XX/XX/XXXX and was told by the rep this would be remedied and would start coming out on the XXXX of each month. 

My account information was then erroneously changed by MOHELA so that XXXX XXXX XXXX ( paid in full ) was reapplied to my account and is currently accruing interest, while XXXX XXXX XXXX was put into a purported " credit '' status so that I couldn't pay it in full. Moreover, I received a delinquency notice ( and purported delinquency forbearance ) despite the XXXX XXXX taking out the full amount of the payment for all active loans. I called MOHELA repeatedly about this issue and was told on XX/XX/XXXX by a supervisor that it would be rectified within XXXX to XXXX business days ; however it has not been corrected. I then called about the interest accruing on my account based on erroneous principal balances and was told that my account would be put into a forbearance wherein the interest would not accrue. To date, interest continues to accrue on my account and the interest rate on XXXX XXXX XXXX was suddenly changed from the reduced 6.35 % to 6.6 %. Additionally, the representative that I spoke to this evening ( after trying to speak to a supervisor for over XXXX hours to no avail ) told me further incorrect information related to my account : that my interest rate was only to accrue at 6.6 % although my auto debit has been approved and in place since XX/XX/XXXX with multiple correspondences with MOHELA affirming same. 

MOHELA appears to be playing with the numbers because while the overall total balance appears correct, the individual principal balances on the loans remains incorrect and erroneous interest continues to accumulate on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information that was being reported by XXXX different creditors on my consumer reports with the XXXX XXXX XXXX TransUnion, initiated over XXXX  months ago, and I never received any correspondence that the investigation was started or completed and there is no evidence on my recently ordered credit reports that an investigation was ever conducted. It is my right under the Fair Credit Reporting Act to dispute inaccurate information. I sent letters to dispute inaccurate information on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 with no success.
Product: Credit reporting or other personal consumer reports

I am writing to express my utmost concern and frustration regarding the multiple unsuccessful attempts and delayed removal of fraudulent items from my account with Credit Bureaus. Despite numerous communications, the unauthorized transactions remain on my account, and the lack of swift action is causing significant distress. 

Discovered unauthorized transactions on my account statement. 
Immediately reported the fraudulent items to your customer service department, providing all necessary details. 

Received acknowledgment of my complaint but witnessed no immediate action on the removal of the fraudulent transactions. 

Followed up with customer service to inquire about the progress, expressing the urgency of the matter. 

Despite assurances, the fraudulent items persist on my account, causing additional stress and concern. 

This extended delay in addressing the issue is highly concerning, and I find it unacceptable given the urgency and potential risks associated with fraudulent activities. 

I urgently request the following actions : Immediate and expedited investigation into the fraudulent transactions on my account.

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Swift removal of the fraudulent items from my account and a confirmation of their removal.

Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed. 

Compensation for the inconvenience, stress, and potential risks associated with the delayed resolution. 

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$7500.00} XXXX, XXXX, Y XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX Balance : {$9700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX are still reporting a bankruptcy that does not belong to me. XXXX has removed the inaccuracies and I sent a letters for both TransUnion and XXXX to follow suit. I also was told that it was verified with the court in which the bankruptcy was filed. I reached out to the court in XXXX sc and Got a written letter that they dont verify such items and the letters I was sent from both TransUnion and XXXX said it was verified through the courts. Now there is a big discrepancy.
Product: Credit card or prepaid card

A year ago I applied for a XXXX XXXX credit card and was approved for a XXXX limit I have not kept a high balance on the card and currently owe less than XXXX. Synchrony bank decided to do a credit pull and decrease my limit from the XXXX to XXXX which has shown that the card is now maxed out and causing a credit score drop on my credit report. I have attempted through XXXX XXXXXXXX to resolve and Synchrony has denied to restore my card at the original limits I was approved for. Credit fluctuates and it is truly unfair to punish a card holder not by only decreasing the limit on the card but causing a negative remark on my credit report which was a total of XXXX points. I have a XXXX  XXXX card that around the same time decided to increase my limit from XXXX to XXXX so it is extremely confusing and frustrating for me to get a decrease in my limit when I don't keep the card maxed out and I am making payments on top of the damage this did to my credit score on my credit report.
Product: Bank account or service

bait and switched savings account and money market account resulting in fees if minimums not met
Product: Checking or savings account

Interest rates are rising helping banks earn more yet the seniors who have their money in their checking and savings accounts are not gaining much interest as the rate at most banks is .01 % interest being paid out. I think it's time that the seniors get what owed them by a higher interest rate on their money in savings and checking accounts. Thank You. 
XXXX XXXX Banking at 5/3 bank in TN
Product: Credit reporting or other personal consumer reports

Accounts not mine, I was informed through the the data breach, that my credit data was breached. 15 USC 1681 c-2 ( a )
Product: Credit reporting

In XXXX XXXX, I received a divorce degree from my wife and was awarded the marital home by the courts. However, after seven months of seeking to assume the full mortgage in my name, XXXX XXXX refused to refinance or remove my wife 's name from the mortgage and acted in bad faith throughout the negotiations by delaying any attempts for me assume the title and mortgage for the home even though I provided them with copies of court records, divorce decree and financial statements to prove my " financial fitness. '' In XXXX XXXX, I signed the house over to my former wife and left the home after XXXX XXXX said I was unable to pay the mortgage after the divorce although I had maintained the mortgage and maintenance of the house without a missed payment for 15 months. During our marriage, there was never a late or missed payment of the mortgage. When we obtained our original mortgage from XXXX XXXX, we also became involved in a dispute whereby a white XXXX XXXX employee refused to accept our application for a mortgage when she learned that I and my wife were XXXX. We had no problems with our credit or other applicant information until I corrected information on our application that had misidentified me and my wife as " XXXX. '' It was at this point, that the XXXX XXXX representative refused to complete our application or return our calls. It was only after we complained about these actions to XXXX corporate office and threatened legal action concerning the company 's well-known past actions to redline XXXX customers did we get a positive response from the company and completed our mortgage agreement. During my application for mortgage assumption, the XXXX XXXX representative told me that I should have no problem assuming the mortgaged after paying a {$1600.00} assumption fee, but after submitting my application I received a letter in the mail a week later saying my application was denied. Since then, XXXX XXXX has also refused to allow my former wife to assume the mortgage and has kept both our names on the mortgage and credit reports although we have been divorced now almost two years. Their actions have had halted my efforts to purchase a new home with a low-interest rate and has negatively impacted by credit report because my former wife has not kept up with the payments. In addition, although the company says that I am a mortgagee, it has refused to give me online access to the account and tax records.