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

I have a loan with NATIONAL CREDIT ADJUST and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, NATIONAL CREDIT ADJUST and XXXX XXXX with no successful resolution. There was definitely an error on their part
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I mailed my monthly payment to XXXX as I have always done for my student loan payment. I have always paid my student loans on-time every month with a 100 % on-time payment structure. On XXXX XXXX I receive a notification saying that my five of my accounts with XXXX are 90-140 days past do. I called XXXX and they stated that it was reported as a mistake. They show that I am a full-time student with loans in deferment mode. They showed that they are receiving a {$30.00} payment per month as well. Although, my payments are not required, I still make payments to maintain my good credit score. My score has dropped due to this mistake from a XXXX to XXXX. I have never had a low score and I am asking if someone will please correct this. I struggle to make a monthly payment to XXXX monthly and this is an insult. Thank you for allowing me to place this complaint as something needs to be done in reference to student loans being able to do this to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this 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 complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX 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 60 days straight with XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my credit report, I have found certain information that should be excluded outlined in 15 U.S. Code 1681a ( 2 ) ( A ), ( B ) and ( C ). I believe that any information about a transaction or experience with companies, can not be include on a consumer report and must be removed. 

XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX Under the Gramm-Leach Bliley Act, the consumer must be given the chance to direct whether they want the information about a particular transaction to be reported or not. This is referenced in 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ). Furnishing any information on my credit profile without my permission, constitutes as identity theft and is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681b ( a ) 3 ( f ) ( i ). Also not maintaining a joint notification system amongst all consumer reporting agencies is also in violation of 15 U.S. Code 1681b ( e ) ( 6 ).

Failure to respond satisfactorily with the removal of the above referenced accounts, and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for willful noncompliance which I will be seeking {$1000.00} per violation for : Defamation of Character, Negligent Enablement of Identity Fraud, Fair Debt Collections Practices Act 15 USC 1692g violations. Reminder under 15 U.S. Code 1681o you must comply with my instructions within 5 days. Additionally, continuing to show the information on the consumer report is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 an account without my written instructions.
Product: Debt collection

I looked at my credit and I see that there is a debt of XXXX dollars. Called 1st federal collection and they ca n't find me in the system. I never received any mail in regards to this. Need to be fixed asap
Product: Credit card or prepaid card

XXXX XXXX,2017 Unauthorized atm transactions were being processed on my account more than {$1400.00} was taking out my account! I have an account with rushcard I did everything possible to prove & show to them i didnt authorize these transactions Im still getting a hard time & want to get the lawn involved now
Product: Mortgage

To Ohio Banking Authorities : PNC Bank has consistently overcharged us on our mortgage since the term started XX/XX/XXXX. In the last 3 years of the 5 year term, they have overcharged us {$400.00}. 
I complained to them a short time ago. I explained I was using the statement they send me every month to calculate the interest and principal. 
For instance, on XXXX XXXX, XXXX, they calculated that the interest payable on XXXX XXXX was {$170.00}, and the principal would be {$2900.00}, for a total of {$3100.00}. 
But the next month, they sent me a statement saying that what they actually took out was : interest of {$190.00}, and the principal was actually {$2900.00}. Every month they do the same thing. Charge us a little more than they say they will. 
I complained to them on the phone. My complaint : Every month they change the interest that they charge. It is always a little greater than the posted interest they ask us to pay. It is always changed in their favor. They told us it was due to monthly fluctualions in the calendar. I said the calendar was known when they issued the loan. They refused to address my complaint. 
Our issue is they are overcharging us. When the loan was created, it was a fixed rate loan that never changes. The calendar never changes. How could it change in their favor every month? 
I enclose my statement from XXXX XXXX, XXXX and XXXX XXXX, XXXX. These statements are part of a monthly pattern of price changes in the bank 's favor every month. I have copies of all of the other statements. Again, every month they tell us what will come out on the XXXX of the month. Then the next statement comes out, and they tell us what they took out last time. It is always higher than what they project they will take out. Always. 
My complaint to the bank was basically ignored. But I feel I have been overcharged, and I continue to be overcharged every month. The amount of the difference between what they tell us they will take out, and what the tell us they already took out will soon be over {$500.00}. If they do this to all of their customers, it would be XXXX dollars of excess interest. 

Thank You
Product: Credit reporting or other personal consumer reports

I was informed by a few companies that my account was denied due to information listed on XXXX, Transunion XXXX XXXX. XXXX, XXXX XXXX Transunion are Credit Agencies not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - XXXX, XXXX XXXX Transunion is not correct in what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Transunion. I have been experiencing identity theft since XXXX XXXX. Today I go into my Credit Monitoring Service, and I see the following that took place on XX/XX/XXXX. 
-- My fraud alert had been removed, as last week my Credit Freeze was removed. 
-- also removed were the following : name, employer, and my Consumer Statement -- Of all ( 3 ) Credit Bureaus, Transunion is the only in my experience, that allows the aforermentikned items to be removed at will by others. From this point on, for Security Purposes, I wish to be conacted by Email : XXXX before any items can be removed by Consumer relevant to my Credit Report. There are consistent Security concerns with Transunion in regards to my Private Info. 
XXXX : XX/XX/XXXX SS # XXXX
Product: Student loan

I have submit a compliant last year regarding to a private student loan from the creditor XXXX XXXX XXXX XXXX. ). At that time the collection company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am beginning harassed about a debt that I do not owe. First Financial Resources , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX have notified me via US mail and I replied in writing on XXXX/XXXX/XXXX. I requested copies of all text books, labs, uniforms etc. but were not provided the information. This company mailed a copy of a contact on XXXX XXXX, XXXX. I have no knowledge of the contract. I am not responsible for the amount the creditor states that I owe. The creditor to this day have not provided me with proof of this debt as I requested ( ex. all books, labs, etc ). Why should I pay for something that I do n't know what I was charge for in details. Also, the company has threatening to place me in collection due to this matter.
Product: Debt collection

Portfolio Recovery Associates has not verified a debt with my signature which they claim I owe, and they are not licensed in the state of CT to pursue such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning System issued a report on my banking activity. It contains numerous false statements and Ive tried to address these issues with the company but it seemingly refuses to rectify them.

I can not open any checking account because of the report. This causes great inconvenience and the company informed me that the false information will stay on my record for five years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft of XXXX
Product: Debt collection

In XXXX, 2014 I entered a written dispute with XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ASSET ACCEPTANCE LLC was attempting to collect a debt for which I had no knowledge and alleged was fraudulently opened by an unknown XXXX party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ASSET ACCEPTANCE LLC failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ASSET ACCEPTANCE LLC an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ASSET ACCEPTANCE LLC failed to report said debt as disputed and failed to conduct an investigation into my allegations of fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ASSET ACCEPTANCE LLC is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ASSET ACCEPTANCE LLC have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of fraud.
Product: Credit card or prepaid card

2 chime cards were opened in my name and a electronic fund transfer document was filled out and emailed to me. I called and closed the accounts. 

Unemployment check from the state of ohio was sent to me. 

XXXX sent me a card that was opened in my name and I called and closed the account.
Product: Credit reporting or other personal consumer reports

Pursuit to 18 USC 8, I owe no debt.This company is violating my consumer rights to privacy pursuant to 15 USC 1681 b.the company also has no permission to report anything using my info.. pursuant to 15 USC 1681
Product: Debt collection

I am getting repeated robo-calls from XXXX - Harris and Harris Ltd . They ask me to call back at XXXX. 

I don't have any outstanding debts, and this is just a harassing scammer that won't stop calling.
Product: Checking or savings account

Ally Bank seems to be in the middle of a software upgrade. During this time consumer accounts have been inaccessible for over 4 days and the company has made numerous false claims relating to money accessibility and account availability. Ally Bank made no communication attempts to consumers about their software upgrades, they have made no attempts to rectify the situation at all. 

Ally Bank is also a " online bank '' meaning they have no physical branches to make deposits into when their IT system is down or being upgraded. 

Ally Bank is incompetent as they pushed a major software update that affects consumers not only during business hours but over the course of, so far, 4 days. 

At this time Ally Bank consumers have no access to their accounts, no access to funds and no way to make deposits or access US Government payments such as treasury checks or payroll.
Product: Credit card

I received a letter in the mail dated XX/XX/, stating that a credit card application with Captial One was denied. This application was done fraudulently using my maiden name. I recently updated my last name with Capital One on XX/XX/20XXXX
Product: Credit reporting

XXXX line identified as XXXX appears on my credit report, however, the alleged original creditor has FAILED to supply proof of a debt. Additionally, I asked Experian to provide me with the 'Method of Verification ' for the disputed item, as attached - yet the trade line was somehow 'verified '. Since neither the data furnisher nor Experian can provide me with ANY proof that I signed a contract for debt, Experian needs to permanently delete this item as FCRA does NOT allow for unverified items to remain on consumer credit reports.
Product: Checking or savings account

On Monday, XX/XX/XXXX I tried to transfer money from my savings account ( Citizen 's Access ) to my checking account ( XXXX  - XXXX  ). I have transferred to/from this account previously with no issues. 2 other times the account was locked for ID verification, and I followed all the prompts to undo the hold. 
Called to find out why the account was locked- and was given no information - " it's under review '' it could take up to 3 days. 
Called again every day - and was given the run around. No information or explanation as to why. 
Called on Thursday XX/XX/XXXX and was told " they sent you a letter regarding this- but we can't tell you what it says or why it's still locked. '' Was told to go online and try to transfer to a different account- but I can not get online because the account is locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXX XXXX XXXX XXXX reports the correct loan balance to CFBP, and to consumer, but inaccurately reports the balance to credit reporting agencies. XXXX XXXX in its documentation to CFBP accurately reported a mortgage balance of XXXX ( see page 2 of their response to my last complaint ) but reports a balance of {$86000.00} ( see attached screenshot ) to the credit reporting agencies for the month of XXXX. When I presented this to them they refused to correct it with credit reporting agency in their letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous disputes with credit bureaus, the company, two complaints to XXXX, and this is the second complaint to your agency. I have provided documents to all the credit bureaus and every time this company either auto verifies or validates inaccurate information on my file as accurate. They have violated FCRA several times. The credit bureaus and this company are in collusion. They have validated on two or more occasions information as accurate. I then submit proof showing they deliberately continue to report inaccurate information on my file. They report the account as closed, they reported the balance incorrectly, the type of account, and payment history to all the bureaus. XXXX, TransUnion, and XXXX continue to act blindly and do not enforce FCRA statutes. All the investigations from bureaus regardless of the documents provided go back to this scum bucket company that validates or takes my proof to then update the information to be accurate thus the collusion because the bureaus allow it happens and leave this fraudulent information on my file. This item has been disputed over 7 times since 2019. I have never even entered into a legal agreement with this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been told by the employee of this XXXX LLC  that every time I dispute it is just a click of the mouse saying the record is accurate. On some occasions the dispute would be resolved in XXXX hours with the bureaus. Time and time I have followed the FCRA guidelines identified the inaccurate data but yet for over 3 years this item has remained on my file affecting my life negatively. My credit score has taken a toll which affects my financial situation at home because my rates on loans and other items using the credit score are affected. I have not been able to purchase a home or other transactions due to this company 's refusal to do the right thing along with the bureaus. FCRA just asks that a company reports accurate and truthful information to the bureaus. They have made this personal since they acquired this debt which is illegal. They are the scum of the earth and because I told them to XXXX XXXX, they continue to report false information.
Product: Checking or savings account

Claims were filed online with Chase Bank on XX/XX/XXXX for {$440.00} and {$330.00} allegedly by me. I went into the branch to dispute the charges and the branch manager called the claims department to file a dispute. Claims were again filed coming in as " claim reversals " for {$440.00} twice and {$330.00}. The bank said because they provided temporary credits for those amounts and because the claims they couldn't refund the amount. I have lost {$2000.00} and two months time dealing with the issue. Chase refuses to help. I have also filed a complaint with the local police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX RE : FORMAL DISPUTE OF INACCURATE INFORMATION THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 
XXXX  XXXX XXXX The reporting data for this account is incorrect and must be removed. XXXX is reporting the DATE LAST ACTIVE as XX/XX/XXXX. XXXX reports date LAST ACTIVE as XX/XX/XXXX. Experian reports date LAST ACTIVE as XX/XX/XXXX. XXXX is also reporting the date LAST REPORTED as XX/XX/XXXX. This is not consistent or accurate with the other reporting bureaus and must be removed. XXXX date LAST REPORTED is XX/XX/XXXX. Experian date LAST REPORTED is XX/XX/XXXX. EXPERIAN reports the DATE OPENED as XX/XX/XXXX while XXXX reports this date as XX/XX/XXXX. THIS INFORMATION IS INACCURATE AND IS ACTIVELY DAMAGING MY FINANCIAL LIVELIHOOD AND MUST BE DELETED! 

XXXX  XXXX XXXX The reporting data for this account is incorrect and must be removed. XXXX is reporting the DATE LAST ACTIVE as XX/XX/XXXX. XXXX reports date LAST ACTIVE as XX/XX/XXXX. Experian reports date LAST ACTIVE as XX/XX/XXXX. XXXX is also reporting the date LAST REPORTED as XX/XX/XXXX. This is not consistent or accurate with the other reporting bureaus and must be removed. XXXX date LAST REPORTED is XX/XX/XXXX. Experian date LAST REPORTED is XX/XX/XXXX. THIS INFORMATION IS INACCURATE AND IS ACTIVELY DAMAGING MY FINANCIAL LIVELIHOOD AND MUST BE DELETED! 

According to fair credit reporting act, 609. disclosures to consumers [ 15 U.S.C. 1681g ], you have 30 days to investigate these accounts and delete them if they are not verified correctly from the creditor. I demand a signed contract with my signature in ink from the creditor. I demand the name, account number, the payment terms, the status of the account, the amount past due, the payment amount, the date the account was opened, date of the last activity on the account, and the balance due on the account sent to me. THIS IS NOT A REQUEST FOR VERIFICATION OF DEBT, THIS IS A DEMAND FOR DELETION DUE TO INACCURACY. FAILURE TO DO SO WILL IMMEDIATELY RESULT IN FILING OF A FORMAL FTC COMPLAINT AGAINST YOUR AGENCY.

The Fair Credit Reporting Act 611. procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] states an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I DEMAND ALL UNVERIFIED AND INACCURATE INFORMATION TO BE DELETED FROM MY CREDIT REPORT. PLEASE SEND AN UPDATED COPY OF MY CREDIT REPORTS AND THE RESULTS OF YOUR INVESTIGATION NO LATER THAN 5 DAYS AFTER DELETING THE ACCOUNT. 

I sent the aforementioned letters to XXXX, Experian and XXXX and they have not responded or corrected these errors which continue to adversely affect my credit score.