23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Self lender is reporting late payments to my credit report even though the account has already been closed and paid in full. They have made errors in the past resulting in multiple accounts being reported to my credit report. They keep sending me emails trying to collect on debt that i do not owe.
Product: Credit card

I had opened a Baclays Bank Visa card through an offer from XXXX in XXXX. I recently noticed that even though I do n't use the card much and pay every month, My balance does not go down much. I realized that I am paying a gigantic 22.4 % in interest when the XXXX rate is near XXXX and the mortgage rates are around 4 %. As a result, I am paying well over {$200.00} every month in interest and it hurts me financially. I spoke to the bank XXXX/XXXX/XXXX to lower the rate and they offered 18.4 % going forward and said that because the XXXX is raising rates, they have no flexibility to offer any other lower rates. I have XXXX XXXX and this is outrageous for a bank to do to a consumer. Please help me get a lower, reasonable rate of interest from this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX i uploaded a new copy of a police report of fraud of someone using my identity to purchase cars and credit card loans, I also uploaded the public copy of the police report from the website wake county.gov and sent in my Driver license and SS Card and once a week i call in and talk to a fraud agent at Experian to make sure all the fraud address are still blocked and to make sure everything is in order on my credit file with Experian. Experian back in XX/XX/XXXX verified the police report and blocked several items on my credit file the was fraud, But in XX/XX/XXXX on my Experian Credit File the fraud address that were blocked are showing back up on my credit file with new car loans and credit card loan. Now of XX/XX/XXXX the police report that was update showing the fraud address on the actual report and which its the same police report i filed and Experian verified now says its a fake and it wasn't verified. I worked for XXXX  consumer Affairs for several years and have always heard that Experian Verif team is a joke! I honestly called the Police department up when i was one the phone with the lady From Experian and verified the police report. she stated it wasn't her problem and she agrees that the verifcultion team at Experian isn't good. I will attach all the police reports to this complaint and plus i got a email yesterday which was the XX/XX/XXXX and stated that the items i deputed were removed and blocked and all addresses were removed and blocked. Never happened. i want those accounts removed and blocked or ill go to the courts and civil action protect my rights, Credit bureaus must report good information not fraud information and the bank never needs to show any proof to have it unblocked, Thats against the fair reporting act. Remove now please
Product: Student loan

I am currently having difficulty with Navient private loans. My co signer passed away from XXXX in XX/XX/XXXX and I have been unemployed. I never received any confirmation on adding a new co signer or help with the loan only to make payments of {$300.00} or go into default and be sued.
Product: Credit reporting or other personal consumer reports

I would like to follow up and formally escalate a persistent issue regarding late open accounts that remains unresolved despite multiple attempts to seek resolution. I have previously submitted complaints on [ list dates of previous complaints ], but the problem persists, causing significant inconvenience and frustration. Despite my repeated efforts to address this matter, I have not received a satisfactory resolution. I request immediate attention to rectify this situation. Please provide a timeline for resolving this issue and any steps being taken to prevent its recurrence. I expect a response within the exact timeframe. I request regular updates on the progress of the correction process to ensure timely resolution. The following items should be correted as soon as possible : XXXX XXXX XXXX XXXX Balance : {$260000.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my credit usage as fair rating and high impact which is inaccurate.
Product: Vehicle loan or lease

I acquired a car loan from Wells Fargo Dealer Service onXX/XX/XXXX. When I received the car loan, I made all the payments in a timely manner but I noticed each month I was being charged additional fees. In XX/XX/XXXX, I called to find out why my payment was so high and so far behind. I could not get any information other than it had to do with my insurance. I continued calling on a regular basis to no avail until XX/XX/XXXX or XX/XX/XXXX due to the extremely rude and dismissive behavior from customer service on each call. I filed a complaint with the XXXX XXXX XXXX in XX/XX/XXXX. Wells Fargo Dealer Services onXX/XX/XXXX, explaining that they added insurance to my loan on XX/XX/XXXX. In their own letter, they admit to not sending any notices until XX/XX/XXXX, and XX/XX/XXXX. They had been charging me for insurance while I already had car insurance and before they sent notices asking for proof of insurance and not until after I was inquiring about the charges incurred. In XX/XX/XXXX my daughter was in a car accident and the vehicle was totaled. The insurance paid off the remaining balance of the original loan. However, Wells Fargo Dealers Services has put on my credit report that I still owe them {$950.00}. I continued making payments until the insurance paid off the loan. The charge of the {$950.00} comes from the insurance they added without my knowledge or permission. It was added erroneously. This is exactly like the illegal and unethical practices they have already been fined for.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX Account Number : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account Number : 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 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, credit repair services, or other personal consumer reports

Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account Did not receive outline of Do Not Refer Businesses During the Process of Company being opened ( FTC Complaints, XXXX XXXX, XXXX XXXX XXXX ) Posted information about my patients Health Records during the time without consent, Failed to attend XXXX Fair Hearings leading to worsened Medical experience and showed other customers first priority checking accounts but denied me those options and banking plans that would have cleared up my credit score.
Product: Payday loan, title loan, personal loan, or advance loan

Check n go is accusing me of taking out a loan back in 2019. No proof has been giving. They are trying to take me to court and get me fired from my job
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of unauthorized or fraudulent information from my credit file. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I paid {$770.00} for an appraisal that FirstTech ordered. This appraisal allowed me to remove the private mortgage insurance from my current mortgage. To use the appraisal for a second lien on my current home, a different lender asked for a letter from FirstTech stating that FirstTech releases the interest from my appraisal. 

FirstTech refused to provide the appraisal transfer letter and gave no reason. They said they would not release the interest in the appraisal I paid for, therefore, they would not provide the letter for me. They tried to refer me to a FirstTech loan officer to talk about a second lien with FirstTech,  but they don't offer the financial product I'm looking for and their interest rates are not competitive for it. 

XXXX XXXX guidelines state that lenders can transfer appraisals. In addition, most lenders have a standard template to transfer the appraisal for customers. One of them is XXXX XXXX XXXX. Therefore, there's no reason they can not provide an appraisal release letter. 

If they were going to keep the interest in my appraisal, they should have paid for it and informed me upfront about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. This complaint is against XXXX XXXX XXXX. They refuse to report to Equifax and the other bureaus that I paid off my car on XXXX. My Equifax report is showing a balance with XXXX for {$16000.00}. I disputed this and received the dispute results on XXXX stating that XXXX verified to Equifax that the {$16000.00} balance is correct. I cant believe that they were blatantly untruthful. I called them on XXXX and spoke to XXXX. She told me that they will report my payoff to the credit bureaus within 2 months of the payoff. However, it has been more than 3.5 months, and they did not do so. Today is XXXX and I paid it off on XXXX. 

I have copies of the car contract. It shows the date of the original sale ( XXXX ) and the balance ( after the down payment ) that was financed by XXXX XXXX XXXX {$16000.00} ). I have the printouts from my personal and business checking accounts. I made XXXX payments to XXXX totaling {$17000.00} from XXXX to XXXX. I have a copy of the car title that was sent from NC DOT. It has an issue date of XXXX. I have screenprints from the XXXX website showing my payment history and a note that my account is paid in full. Please contact XXXX on my behalf. Hopefully they will finally report to Equifax ( and the other credit bureaus ) that my account has been paid in full and has a {$0.00} balance. Thank you.
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report linked to ongoing litigation, which are currently unresolved
Product: Checking or savings account

Hello, There was 2 separate transactions ( {$100.00} ) and ( {$150.00} ), on XX/XX/XXXX and XXXX. This happened at the ATM, using a card-free access. I filed a dispute on XX/XX/XXXX, since Wells Fargo was have a system failure ( on my end, until XXXX ) and they denied my claim, because they had assumed it was authorized, when in fact, it was unauthorized. I was in another city at the time of the transaction and this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The XXXX are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Money transfer, virtual currency, or money service

The transaction of my bank ( Simple by BBVA Compass ) should update to my XXXX account in every payday, which it did n't.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$22000.00} from XXXX XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please confirm this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a statement from citi/COSTCO : XXXX Statement : Minimum payment due : XXXX Balance as of XX/XX/19 XXXX Account is past due my name/address NO ACCOUNT NUMBER I DO NOT WON this credit card, nor have I ever authorized its use. 
I called 4 different phone numbers ( account assistance ) ... .no options since I had to include my account number. Also asked for phone number or SS number. Foolishly I gave the SS number. Finally had to call 'technical support ' to talk w/live individual ( i guess ). When she asked about 'which ' citi credit card I was having an issue with, her she said 'costco ' ? Transferred to another rep. He wanted all vital info ... dob/ss/phone etc. I disputed providing this information over the phone. He said, 'but you called me ', like that made an already illegitimate fraud legitimate. I said I was going to report fraud ; he put me on hold ; then came back on and said he had 'their fraud ' person on hold and was going to transfer me to her ... .so I could make a complaint.
Product: Payday loan, title loan, or personal loan

This is my third loan with One Main Financial. I am an older American and XXXX Veteran. 
My title was never returned to me upon full payment of the previous loan. One main instead coerced me into another loan in order to get my title back to my car. One main also without my consent after I clearly declined their insurance offer still signed me up for auto insurance I do not need as I already have automobile insurance saying. 
One main is charging me an unfair, excessive, and unconscionable amount of interest on this title loan. I have never been late with any loans and should not be charged excessive interest as I am not a subprime consumer and I have a excellent payment history.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inclusion of a bankruptcy listed on my credit report. I have a court-issued letter that clearly confirms this bankruptcy should not have been reported to your agency. Despite this official documentation, the bankruptcy remains on my report, which is not only inaccurate but also highly concerning. Additionally, there appears to be the involvement of an unauthorized third party in this matter, further complicating the situation and raising serious concerns about the security and accuracy of my credit file. This is a pressing issue that requires immediate attention to ensure my report reflects only accurate and verified information
Product: Debt collection

I received an alert from XXXX that a collection was added to my credit report through XXXX XXXX and associates with original creditor vip loan shop on XXXX XXXX, XXXX. Collection stated that the loan was taking on XXXX. Prior to the alert from experian, i had no knowledge of vip loan shop. I have never taking out any loan through vip loan shop. I have no knowledge of this account. Prior to contacting experian about this collection. I tried calling the number 10 times with no result. Only to have it go to voicemail
Product: Credit reporting, credit repair services, or other personal consumer reports

Just released from XXXX XX/XX/2019, after 10 yrs. Upon checking my credit I discovered accounts on my report that obviously couldn't been me, nor do I have any knowledge of these accounts. So I was instructed to reach out to all three major credit bureaus and notify them of this. I'm asking that these accounts be blocked from my credit file. Account 1, XXXX XXXX {$950.00} Account 2, XXXX XXXX  XXXX {$750.00} Account 3, XXXX XXXX {$550.00} Account 4, XXXX XXXX {$690.00} Account 5, XXXX XXXX {$270.00} Account 6, XXXX XXXX XXXX XXXX {$1500.00} Account 7, XXXX XXXX {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to reach a customer service representative at Equifax I even previously submit a complaint on this website however my issue still hasnt been resolved XXXX XXXX XXXX is still reporting on my Equifax credit report even though Ive sent documentation which I also included in my previous complaint with CFPB that they dont have this account they dont own this that Ive also attached a copy of the letter from Equifax saying they have no record of this account however it is still reporting on my credit report please remove account ASAP this is a violation
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX have repeatedly ignored my identity theft report that I have submitted in regard to acct ( XXXX ). Although, XXXX XXXX XXXX, PARENT COMPANY, and Subsidiaries ( XXXX XXXX XXXX XXXX ) are trying to collect on an alleged debt despite creating consumer account for securitizing consumers RETAIL INSTALLMENT AGREEMENT WHICH UNDER 16 CFR 433.1 IS INDEED AN CREDIT SALE AS CONSUMERS SOCIAL SECURITY NUMBER WAS USED IN SAID TRANSACTION. I have submitted a 1099C, 1099 OID, and 1099 B to the IRS since XXXX XXXX has not provided me with copies of the mentioned forms. FTC fraud report ( XXXX ) was filed on behalf of the consumer. Consumer requests XXXX  XXXX provide me with copies of my 1099C, 1099 OID, and 1099 B. I am also requesting that XXXX  XXXX Provide a CERTFIED copy by their CPA of their GAAP accounting records. I have also filed forms 3949 and 211 treasury omb to audit consumers ' accounts. 

XXXX, Experian, and XXXX has a duty to report inaccurate information that they have failed to uphold. XXXX XXXX, XXXX, Experian, and XXXX have caused me financial and emotional distress from their unjust practices. I would like all reporting to Cease and Desist : to immediately stop all collection efforts and information sharing related to this account. I would then like the status of Account # XXXX to reflect closed by consumer and marked as paid as agreed. 

Symbol : XXXX XXXX XXXX XXXX : XXXX ISIN : XXXX
Product: Debt collection

On XX/XX/XXXX Received letter of collections from XXXX regarding Metris Account XXXX ( last four digits ). Stating XXXX XXXX is attempting to collect a debt {$4400.00}. Not recognizing this debt, I called for further information and advised I do NOT recognize this debt. The representative stated she would request background information which should take 45-days. 

After phone call, I recalled a previous law suit from XXXX XXXX. I looked up my old paperwork and found the previously settled account with XXXX XXXX was also for the amount of {$4400.00}. This debt was settled and registered with XXXX XXXX XXXX XXXX, posted XX/XX/XXXX Case # XXXX
Product: Debt collection

Person or persons unknown to me use the name XXXX XXXX and my social security number to open two credit card accounts with XXXX XXXX XXXX. Note : My name is XXXX XXXX XXXX not XXXX XXXX that was used to open these two fraud accounts Allegedly Resurgent Capital Services purchased both cards on X/XX/2017 When I became aware if these two fraud credit cards I contacted XXXX XXXX XXXX and was referred to Resurgent Capital Services, I contacted Resurgent Capital Services Twice disputing these fraud accounts, I requested that Resurgent Capital Services supply me with copies of the applications that were submitted for the credit cards listed above to verify these two accounts, along with a copy of the sales contract from XXXX XXXX XXXX and Resurgent Capital Services, Resurgent Capital Services can not produce the applications for credit in my name XXXX XXXX XXXX nor will they supply a copy of the contract between XXXX XXXX band and Resurgent Capital Services to verify that both accounts are valid and that they own the two fraud credit card accounts. Resurgent Capital Services as of this date XX/XX/2017 is reporting False and incorrect information pertaining to both fraud credit card accounts to the credit reporting agencies. Fraud/Identity Theft report has been made to my local police department # XXXX and also made to the Federal Trade Commission FTC report # XXXX