23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Prior to filing bankruptcy last year I had a private student loan through National Collegiate Trust for a sum of approximately {$19000.00}. A year later after my bankruptcy is discharged I get a call from their debt collector and now it is {$30000.00}. How can they charge {$11000.00} in interest in one year, when I took out the loan in XX/XX/2006 for {$15000.00} and it only accrued {$4000.00} over a period of 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have trying to resolve the matters with multiple inquiries and accounts that hit my account a couple of months ago. Equifax is slowly dragging their feet with three accounts : 1 ). XXXX XXXX ( {$1500.00} ) Charge Account, I reached out to this company on  multiple occasions, they did eventually close the account in XXXX, but not before having multiple unpleasant conversations with them, given the run around and to top it off, they added of late payments to my credit file. I am in Indiana, They are located in XXXX, Texas, with 1.2 stars and a D+ grade with the XXXX ; I have never heard of this company. 

2 ). XXXX XXXX {$500.00}. I have also disputed this item as well. They are reporting this account as late on my credit report. 

3.XXXX XXXX {$500.00}. This account keeps going from negative to positive. I have no clue as to what is going on. I will not be bullied into keeping and paying for theses two measley accounts that I never applied for. 

I am not sure if I am my name has merged with someone else 's. I did see on my credit file that my name was misspelled as XXXX XXXX. My name is spelled XXXX. 

Other than this issue. I am just waiting for XXXX  to remove inquiries and Equifax to fix the issue with these accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 The Credit bureaus stated Account Name : XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXXAccount Name : XXXX XXXX Account # XXXX Account name : XXXX account number # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 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 is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit
Product: Credit card or prepaid card

On XXXX XX/XX/XXXX, I disputed a {$70.00} transaction made on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, Upgrade Inc informed me that the dispute has been declined and that the " provisional credit [ Upgrade InXXXX ] issued will be reversed and [ I ] will be responsible for payment of the transaction ( s ) and related accrued interest. '' On XXXX XX/XX/XXXX, I paid off my Upgrade Inc accounts in full. On XXXX XX/XX/XXXX, I closed my Upgrade accounts with no balance. 

On XXXX XX/XX/XXXX, Upgrade Inc informed me via email that the provisional credit related to the {$70.00} transaction dispute has ( after more than 8 months ) been reversed. Upon logging into my Upgrade account online, I learned my account balance is {$75.00}. However, Upgrade Inc is unable to accept a payment/payoff online because my account is closed. Upon contacting Upgrade by phone, I was informed that payment/payoff by phone is also not an option because my account is closed and that my actual payoff amount through XXXX XX/XX/XXXX would be {$87.00} -- however, Upgrade is unable to accept payment/payoff because my account is closed. Until this is resolved, and until Upgrade Inc can accept a payment/payoff, my balance is presumably accruing interest and reportable to the credit bureaus XXXX XXXX XXXX, and XXXX.
Product: Debt collection

Reviewed credit report and discovered a collection : CMRE Financial Services for {$260.00} for emergency XXXX XXXX. 
I am disputing this debt unless the collection agency is able to validate the debt. 

I did not receive a notice that any medical bill was outstanding and then all of a sudden a collection was noted on my account.
Product: Payday loan, title loan, or personal loan

I signed up for self lender today and thought i understood that each account only 12 months. However I read the confirmation email and it said 24 months. I called self lender and tried to explain that i misunderstood their website and wanted to subscribe to the 12 month plan, even though its higher monthly amount. I spoke with a XXXX, who unprofessionally shortened her name to XXXX when i asked to speak to a manager. XXXX told me that it was pretty much my fault and they don't refund the {$9.00} service fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 6 months and per tracking ( investigations have been received ) I started my investigation on XX/XX/2020 I contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given. I have not heard back from you in over 30 days since my formal written notice of disputed dated XX/XX/2020 and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called multiple times disputing these items that are unauthorized accounts and inquiries that I demand deleted. I believe the 3 main credit reporting agencies Experian, XXXX, and XXXX this a deliberate act of discrimination, I am displeased that you included the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. this grave error has damaged my confidence in your companys procedures, and because of this I will no longer be extending credit, and I will not be extending my consumer credit if this information is not removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX CC, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX XXXX XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

The bank said where doing an investigation and decided to close my account after XXXX  years without an issue and told me theyd transfer my monies to my linked Investment account at XXXX. This was XXXX months ago and my money is just sitting they blocked me from having access to. Ive called them several times and they keep saying they are going to transfer it. There collecting interest off my money. They are committing theft, extortion, and practicing bullying practices on me.
Product: Credit card

I am on XXXX serving in the XXXX. In XX/XX/2016 I asked Barclaycard to apply SCRA benefits to my Luxury Gold Card account. They said yes, saying in a letter that " While you 're on XXXX, the following terms apply ... : The APR for all balances have been lowered to 0.0 %, All fees, including annual fees, will be waived. '' I have a large balance on the card now because of this, and Barclaycard just notified me that they would start charging me the {$990.00} annual fee. I believe that they are violating the promise that they made me to keep my fees and APR at 0 while I remain on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit card and never used it. Not even once. The card was used by someone else. I did not realize this till I recently reviewed my credit report. Wells Fargo will not remove it
Product: Credit card or prepaid card

I called Capital One in regard to my interest rate. I am an Independent Contractor and my business has been affected impacted with the higher interest rates on mortgages, which has resulted in more usage of my credit card. I've been with Capital One for XXXX XXXX and asked for them to lower the interest rate until I'm able to get back on my feet. They blamed it on the government and only offered bill payment arrangements. Capital One is able to negotiate interest rates with the Feds ; however, refused to pass that along to their clients. My tenure with them ought to count for something. I'm willing to pay my bill, I have not filed bankruptcy which when that occurs, we all bear the burden of that ; however, I asked for them to lower their interest rate and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

Complete Credit Solutions who was previously notified the supposed debt is NOT mine.I demanded they validate this debt and provide the original contract with my signature on it which they have failed to do.

Where is the original contract with my signature on it? I have stated multiple times this debt is not mine. They claim this supposed debt is over 8 years old ( well beyond the statue of limitations ) without providing any ORIGINAL SIGNED AND DATED CONTRACT yet they have it on my credit as a debt from XXXX. They claim " Our records indicate the agreement between XXXX XXXX/XXXX XXXX and XXXX XXXX was executed on XX/XX/XXXX. The last payment date was XX/XX/XXXX, and the last payment amount was {$18.00}. The first delinquency was on XX/XX/XXXX and the charge off date was XX/XX/XXXX. '' So the last payment date and first delinquency are almost a year apart? Where is the documented contract with my signature on it? 

Throwing out some random account number and dates does NOT prove this account is mine as anyone can make this up, still NO ORIGINAL SIGNED AND DATED CONTRACT PROVIDED! Also, I was not living in the US in XXXX and XXXX which is another reason I know this debt is NOT mine. I lived overseas during that 2 year period so there were no new accounts opened at all. 

This has been an ongoing issue for years of multiple collection agencies selling it to another agency and then the new agency will try to add it to my credit report as a " new debt ''. I have never had a XXXX XXXX 's card and do not ever get store cards. 

Again, They don't have a single original contract from XXXX XXXX with my signature on it or anything of the sort as I never had it. Years of seeing this constantly pop up with random letters from various collection agencies trying to collect on a debt that can not be verified as it is NOT mine and has passed the statue of limitations.
Product: Credit card

On XXXX/XXXX/2015, I set-up a payment of {$300.00} using Best Buy 's online payment center to be paid on my credit card 's due date of XXXX/XXXX/2015. On XXXX/XXXX/2015, my checking account showed a debit of {$300.00} deducted from account but when I checked my Best Buy account, I noticed that my balance had not decreased and in fact, it had increased, and that my account was delinquent with the summary page showing that a payment was still due for XXXX XXXX, 2015. 
When I checked my Best Buy Account activity, the activity on my account showed a {$25.00} late fee was posted to my account on XXXX/XXXX/2015. I opened a chat session with Best Buy Customer service and the agent kept asking me if I made my payment last night. I told him that I set-up my payment on their online system a week ago on XXXX/XXXX/2015 to be paid on my credit card 's due date of XXXX/XXXX/2015. He kept saying that my payment had not posted and that it takes a couple of days to post. When I provided the payment confirmation number from their website that stated the payment of {$300.00} was posted on XXXX/XXXX/2015, he said that the payment had NOT REALLY posted and when it did, the payment would be applied and the late fee would be reversed. 
It makes no sense to require people to make payments on a certain date only to apply a late charge, reflect the account as delinquent, and then have to reverse it ( and me to monitor it ) when they should just really require me pay on the REAL due date of the XXXX or XXXX of the month so the money hits their account on THEIR due date of the XXXX. I would like to know if my credit score is being affected by what are essentially rolling " late pays '' each month because they are delaying posting my payment when I 'm successfully making the payment in THEIR system on THEIR stated due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take XXXX to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cant get aproved for anything which is casing me even more XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX gave me a credit card. On XX/XX/2022 the closing balance on the account was XXXX dollars and the balance on the card is still XXXX dollars. Yet on my credit report it is showing that I owe {$1400.00} on the credit card and that is false. 
The balance on the card is XXXX dollars and it should be reported as such. 
Kindly fix the account balance being reported on my credit report to XXXX dollars please on my XXXX XXXX XXXX XXXX Credit card please.
Product: Mortgage

I have continue to communicate by phone to XXXX XXXX XXXX  XXXX and there has continued to be some miscommunication. I have not been able to gain access to my account online to submit a payment on a monthly basis. As of XX/XX/year> the system will not allow me access to submit a monthly payment so i can bring this account current which was initially became 30 day passed the due date due to a hardship ( water damage to my home which has been resolved and an reduction in income that has now been resolved. 
My loan is now 60 days passed due because I do not have access to make a minimal monthly payment of the mortgage {$1200.00} payment online Loan Number : XXXX