23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I the natural consumer became aware of the fraudulent account on my credit report XX/XX/2021. This consumer contract was open on XXXX XXXX without my knowledge permission, or consent. The consumer contract pursuant 16 CFR 433.1-433.3 is incomplete it takes two signatures and I never signed a contract with CAPITAL ONE BANK USA N. I have the right to demand to stop of communication on all mediums in collection to this alleged debt pursuant 15 USC 1692 c ( c ). Since XXXX XXXX and XXXX failed the banking system by reporting this unfair inaccurate information pursuant FCRA 15 USC 1681 delete this account or be held liable for all damages listed. XXXX XXXX and XXXX are not exercising their grave responsibilities with fairness, impartiality, and respect for my privacy. The account is impairing my abilities to receive goods for my personal family or household usage as a natural person consumer pursuant 16 CFR 433.1. XXXX XXXX and XXXX does not have permissible purpose to furnish this account per my written consent in accordance to the FCRA. This is aggravated identity theft 18 USC 1021a and all parties will be held liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will call my lawyer and file a lawsuit if this is not removed ASAP!
Product: Checking or savings account

Fraudulent Bank Statements. Simple Bank provide customers with fraudulent Savings Account Statements that do NOT reflect the accurate Interest Rate earned on the account. They are Advertising a Higher Interest Rate, then changing the Interest Rate Mid-Month and only reflecting the Lower Interest Rate on the Banking Statement. The Bank Statement does not state when the Interest Rate Changed during the Month nor what days the account earned the Higher Interest Rate Advertised or the Lower Interest Rate actually stated on the Statement. 

Chronically Incompetent or Pretentious Complaint Responses. Despite stating my Complaint very clearly in multiple ways over repeated complaints, Simple Bank repeatedly provided the very simple minded response that they could not answer my concerns and that I needed to consult an accountant. This either reflects the chronic incompetence of their support team, or their conscious refusal to respond to this concern. 

After repeated Complaints, they finally confirmed that they KNOW their Bank Statements only reflect the Closing Interest Rate, and NOT the Opening Interest Rate. They KNOW their Statements do NOT indicate when the Interest Rate changed and how many days in the month the Advertised Higher Interest Rate was applied to the account, versus the Lower Interest Rate stated on the Bank Statement as the Interest Rate earned. Thus, they KNOW they are providing Fraudulent Bank Statements that do NOT reflect accurate information on interest earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX. Someone is impersonating me and stole my identity. I am requesting that any other variation of my name be deleted because its wrong, thats not me. 
My address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove every other address because no mail can be delivered to me through the Post Office, to these addresses and are therefore not reportable according to the Fair Credit Reporting Act ( FCRA ).

I did not grant anyone written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be deleted immediately My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX | XX/XX/2022 You have reported information that has damaged my reputation, caused me personal harm, and denial of credit products. Please remove these items now. 

I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Keeps showing late payments history. Transunion/XXXX XXXX will take it off one month and the next month it will appear back on my credit report
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Please provide accurate and verified information for each claim, as the allegations are not true, or I'll delete them immediately if that is indeed the case! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Prosper Funding LLC continues to inaccurately report this account. As the holder of the contract I have initiated arbitration for fraud. Prosper Funding LLC failed to disclose the contract is the security that is being used. Not only is Prosper Funding LLC benefiting from the trading of the security they have kept all proceeds from the trading. As the registered owner of this security I am entitled to the profits and interest that my security has generated as an investor of Prosper Funding LLC. Since Prosper has failed to answer to my demands as a protected consumer I have initiated arbitration and Prosper Funding LLC is violating law by continuing to report this account delinquent and take money from my. Until the arbitration action is concluded Prosper Funding LLC is barred from reporting.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Credit Score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to EXPERIAN. In my credit report from XX/XX/, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

Navient Corporation, The purpose of this is to communicate the extreme financial hardship I endure over a XXXX  XXXXXXXX timeline, as part of my student loan experience. What I had hoped for, was an associates degree in computer programming, but the outcome was the opposite. My loan originated on XX/XX/XXXX in the amount of {$10000.00}, issued from Sallie Mae Corporation. The original federal loan allowed me to attend the former XXXX XXXX XXXX. Due to a lack of money for rent and food, I was only able to complete less than a year of school. I was forced to move back home, to work full time. Over the course of 19 years, my immediate family members were often helping me with my loan payments. I did not have any positive experiences repaying my loan. Deferred payments, harassing phone calls, late fees, forbearance and a non-existent income- based repayment plan were all very discouraging. Overall it didnt appear that anyone from the Navient Corporation had my best interest in mind. My loan history documentation will confirm the financial distress to which I am referring. By the end of XXXX, my loan balance was still XXXX. I was able to reach a settlement with Navient for XXXX with the help of a family member. The settlement date was XX/XX/XXXX. In total, I repaid Navient XXXX. Along with the above mentioned, my credit score was severely damaged and continues to be to this day. I reached out to Navient in XX/XX/XXXX, for discussion regarding the federal lawsuit against the corporation. The response I was given was, since my account was settled, they had nothing further to discuss. I have been a public service employee for XXXX years in XXXX XXXX XXXX XXXX XXXX XXXX Ive been with my current employer for XXXX years. I can provide previous employment history upon request. The wages I earned did not provide me with enough money to support myself and repay my Navient loan. It is my understanding, that my employment history along with negative student loan experiences, would qualify for loan repayment in the full amount of {$27000.00}, as well as resolution to the above stated hardship. Thank you.
Product: Credit reporting

Equifax on XXXX/XXXX/2016 provided a FICO score of XXXX to XXXX. The reason codes for the score were high balances and ratio of balances to credit limits. My balances at the time of the report were less than 5 % of my credit limit, I pay all my revolving off in full each month and have XXXX delinquencies. On XXXX/XXXX/2016 I pulled my credit report and paid {$7.00} for my credit score. Equifax reported a score of XXXX. There were XXXX discrepancies on my report, both addresses at which I never resided which were promptly removed. I have asked Equifax to explain the wide difference and they just say it can happen. How they will not explain. I want a factual discussion of why the XXXX scores differ line by line and why they say in their reason codes that I have high balances.
Product: Money transfer, virtual currency, or money service

I dont know why my PayPal account gt permanently limited. Iys been yeara and has a good transactions. I dont see any misuse to my account. I just want it to get back and restore please help me.
Product: Student loan

My lender refuses to apply payments to principal rather than to interest even when I gave explicit instructions to do so. The loan is not currently in repayment, so the payment of {$2000.00} was well over any minimum due ( which is XXXX ). Below you can see their response, and, below that, my original payment instructions. It is also strange that they say they were required to apply the payment to interest when the payment was n't even scheduled to happen for another week. I have since cancelled the payment until I figure out if they really are allowed to do this. Thank you for your help. 

Their reply and my instructions : " Dear [ NAME ], Thank you for your inquiry regarding applying a payment to principal. 

Please accept our apologies for the confusion and inconvenience you have faced with your account. Please be advised your student loans are simple daily interest loans, meaning interest accrues on a daily basis, even if the account is paid ahead, based on the formula, Principal x Interest / XXXX = daily accrued interest. When a payment is received it must first be applied to any outstanding late fees, then any interest that has accrued, and then finally to principal. 

Unfortunately, we were required to apply all of your payment to interest. Please accept our apologies for the inconvenience this causes. 

If we may be of further assistance, please visit our website at Navient.com. Or, you 're welcome to call us toll free at XXXX. We 're here to help you Monday through Thursday, XXXX XXXX. to XXXX XXXX., and Friday XXXX XXXX. to XXXX XXXX XXXX. 

Sincerely, XXXX, Your Navient Email Representative -- Original Message -- From : [ EMAIL ] Date : XXXX/XXXX/2016 XXXX PM To : XXXXXXXXXXXX Subject : Special instructions for payment Account No : XXXX Borrower XXXX Dear Navient, These are instructions for how to apply my loan payments : Please apply payments to the principal when at all possible. For example, I will soon pay {$2000.00} toward my loan [ XX ] online, and I would like the {$2000.00} to lower loan [ XX ] 's principal from {$12000.00} to {$10000.00}. Thank you, [ NAME ] ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Management and residents at the XXXXXXXX XXXX XXXXXXXX XXXX have illegally and fraudulent compromised my accounts. Including stolen birth certificates and bank/credit accounts with out my permission. The credit sesame application noticed the illegal use of such actions and the illegal use of an XXXX by the medical department/authorities here in XXXX XXXX XXXX NV. And in doing so, notified me by an fraudulently charged transaction on my credit report for this incident.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

I have contacted Equifax previously that this account fraud being reported is not my account. The account listed as XXXX XXXX  XXXX in the amount of {$500.00} does not belong to me. I have never done business with any company or signed any type of contract with them. There are also inquires from companies listed that I have never applied for any credit with XXXX or XXXX. I have contacted the company listed and called Equifax and explained this is fraud in great detail. I have given them all requested information and this information is still being reported.
Product: Vehicle loan or lease

The car was a XXXX XXXX XXXX. All of these vehicles had recalls on them and transmission problems. I was overcharged for the vehicle with an extended warranty that was {$1700.00} odd dollars. The warranty never addressed my issues with the transmission or my concerns with the car they only replaced my battery once and I paid out of pocket for it. When asking to trade the car in for a newer vehicle they advised they would reimburse the warranty because I never used it. Fast forward and lost my job and the car was repossessed in XX/XX/XXXX. The car was sold at an auction for {$1600.00} and they are now telling me that the balance owed plus taxes, fees, and interest is {$5700.00}. My credit report shows {$3600.00} owed on the car and everytime I call and speak with them they wont help. They only reimbursed {$200.00} odd dollars for the extended warranty that was purchased and not used when they agreed to reimburse the entire {$1700.00} odd dollars. They also never sent me an intent to sale the car at an auction or the sale itself. I had to call them to find out the car was sold for {$1600.00} at an auction and they are still trying to overcharge me or stick me with a balance of {$5700.00} on their records and {$3600.00} on my credit report. Please help me get this resolved or removed because it is negatively affecting me and they dont care to help.
Product: Debt collection

In XXXX Divorce Settlement my Ex assumed the XXXX cc debt. He passed away in XXXX XXXX. Within a week of death, I contacted B of A to put a freeze on the business checking account. They were sent a copy of his will and to pursue his very large estate for the funds. B of A was sent Exhibits mentioned below. Attached is the XXXX XXXX fraud ; how did Ex accomplish this event. 

1. B of A lost the XXXX Original Agreement. We wouldn't have qualified for the CC because we were XXXX, I was not working, and he was a mechanic. Before 1980 we were cash buyers, and didn't have a B of A checking account until we needed to make house payments on the new purchase. 
2. Ex was a financial XXXX XXXX. He took my name off of XXXX XXXX Mortgage Deed without my knowledge. Ex removed my name from the B of A Joint SubS corp business checking without my knowledge or signature. Based on this info, I was probably an Authorized Signor only and needed the Original Authorization as proof. 
3. B of A was provided documents on how Ex didn't allowed me to have any business income, or CC 's in my name. 
4. B of A violated their Customer Billing Rights and filed a default with CC Agencies on my credit before informing me a debt was owed.
Product: Student loan

I accepted a loan from a company through my institution not being aware that it was private. This loan was accepted in XXXX and I continued accepting each year up until XXXX. The interest was not suppose to go up on this loan as the company gave me until XX/XX/XXXX to start payments. The loan is now affecting my credit because the interest went up now it is more than I borrowed.
Product: Debt collection

The collection agency National Credit Systems , Inc has put a collection on my credit report in the amount of {$1600.00} but I checked on a website that they not licensed to do business in the state of Tennessee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Constant phone calls, when you answer the line hangs up! they keep calling my cell, my wife 's cell, plus my home phone!. They never leave a message!. So my wife called back the phone number, XXXX and was told that she was calling First Choice Assets. Then they asked to speak too XXXX Which is me. So my wife hands me the phone, and the person on the other end was XXXX, i cant remember his last name. It started out that he needed me to verify that i was XXXX by giving him the last 4 of my social security number, which i am sorry i did!! Then i ask XXXX what is this call about? He starts telling me that he is a dept collector, that i owe a balance from a medical bill which my insurance paid, and i am responsible too pay the balance owed.He tells me this is back in XX/XX/XXXX and the name of my insurance company was commercial medical ins. Now it gets better!, because he lets me know that this phone call is being monitored then tells me that i owe {$250.00}. I told XXXX that i have no idea what he is talking about, just send me papers and i will look at them. Then he goes into the next phase of his tactic 's asking me am i refusing too pay the balance owed?. Well by now i have reached my boiling point and lost it, i told XXXX yes i am!! especially to you! I might have cursed at him, because he raised his voice, which he did not intimidate me at all!! I told him to do whatever he has to due, and hung up! Also be advised that i did not have a Commercial medical insurance policy, and i do n't think they Exist.This phone conversation was on XX/XX/XXXX in the evening between XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX  ; Credit Center , LLC XXXX XXXX  XXXX XXXX CT  XXXX Re : XXXX Dear Credit Center  , LLC, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/XXXX and identified the debt as {$270.00} for XXXX XXXX XXXX that my father, XXXX XXXX utilized while ill with XXXX. He has since passed as of XX/XX/XXXX See attached death certificate. I do not have any responsibility for the debt you are trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your cooperation. 

Sincerely, XXXX XXXX