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

Well I receive pa unemployment And my card was locked by us bank And I am unable to use my card. 
One of there agents used my old address on my form And when I used my new address that I currently live at they made it a fraud claim when there is no fraud present to lock my card I receive a deposit on there and I am in great need of my money and they wont release my funds. 
Ive submitted several forms of documents proving I am who I say I am and Ive waited more than the 10-14 business days the copy have asked to follow after every submission of my documents Ive sent them over 10 times yet Ive been waiting 3 months for my answers and card to be unlocked and I have yet to get my money I have a family and the funds that are loaded every week are being held for no reason
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Re : Account Number ( XXXX ) I accept no responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file-is incorrect : ( XXXX XXXX XXXX XXXX  ) Account # ( XXXX ) The true account type for this account is a Credit Sale Agreement. Please remove this account from my credit file immediately.. I look forward to resolving this matter quickly Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint! 

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

Experian will not let me dispute unauthorized inquiries on my credit report. I have tried contacting the individual companies involved to request proof or a letter of deletion but have gotten no response from any of them. I tried disputing with Experian several times but they refused each time. I filed a complaint against XXXX and they investigated which led to the deletion of the unauthorized inquires. I then tried to call Experian to send them the results of the investigation so that they could remove the unauthorized inquiries as well but they refused once again.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to investigate a XXXX  XXXX  on my credit report to equifax, XXXX. i have received no response of the status or up date
Product: Payday loan, title loan, or personal loan

Around XXXX/XXXX/XXXX I called and told them to stop payments becausd I XXXX my job and can not pay. They told me it would go to collections and in XXXX weeks if I could make a XXXX $ payment I can try that. Instead on XXXX they took XXXX $ out. Not in XXXX. I keep getting notices that it wll go to collections if I dont call and so I 'm like okay I asked for it to go to collections so let it. Then on XXXX/XXXX/XXXX THEY tried to take XXXX $ they have forged a check once before that I never authorized. We have tried paying off account before and they didnt take out the full payment and have continued charging interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my reinvestigation Report # XXXX XXXX from Experian on XX/XX/2022. It states that all accounts are 100 % complete and accurate. I would like to receive the discription transcript according to 15 USC 1681i ( 7 ). 

The of the list of accounts below are not accurate, the open date, date last active, date of last payment is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not modify nor delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i )
Product: Debt collection

I have contacted capital one on multiple occasions regarding this debt. It was never a debt owed to capital one.
Product: Mortgage

Select Portfolio Servicing Inc. is the worst mortgage servicer I have ever dealt with by far. Not even close. They do what they want and when they want. Never in 29 years have I dealt with a company that is so incompetent and un-ethical in any industry. Report these XXXX  immediately to government agencies so hopefully they are put out of business or fined into oblivion. Keep in mind they will do what they can to foreclose on your house. They have canceled my payments twice in 2022. Not my choice but theirs.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a missing tradeline from my credit report that was once on it. This missing tradeline is from XXXX. This missing information denies me the full financial responsibility for over a year of on-time payments.
Product: Mortgage

I refinanced my SoFi personal loan with a SoFi home equity loan. 

SoFi home equity told me they funded on XXXX. 

On XX/XX/XXXX I was notified that the wire went out to SoFi personal loans to pay off my loan. 

On XX/XX/XXXX XXXXoFi personal loans showed the payoff and notified me that my personal loan had been paid. 

On XX/XX/XXXX I learned that SoFi personal loans reinstated my loan and I now have a payment due on a loan that was supposed to be paid off. 

SoFi personal loans says I have to talk to SoFi mortgage and SoFi mortgage says I need to talk to SoFi personal loans. No one can tell me where the {$79000.00} went or why I now have two loans with SoFi financing the exact same debt.
Product: Credit card or prepaid card

so I had some fraud happen on my checking and I had a few late payments on of Bank of America account as a result because I could no make the payment this no fault of own. I asked B of A if they could waive the late fees for me. I had 3 they waived 2 of the 3 and would not waive the last one. I talked to a really rude manager in the coperate office this morning and was like even if you might I will get this every time and they will decline and acted like she was XXXX or the ceo of the company. Its XXXX I dont understand why they are making a big fuss about this. I am an excellent customer who never missed payment s before now. This late payment is not my fault and they need to remove all this company does is press a computer and say they are not going ti remove it they dont even care about me a customer and they dont even try to help me. I am very upset and am very amazed how horrible and rude there cooperate office employees are. They dont care about human element or anything they just press buttons on a computer like a Bunch of robots and they refuse to help out at all. I am very very upset and will keep fighting this until this late fee is removed.
Product: Student loan

I have XXXX loan accounts with Navient. I understand that these are private loans and they can do whatever they want to my interest rate ( though I swear I signed up originally for a fixed rate loan, but ca n't find my paperwork ), but I signed up for auto payment in order to receive a .25 percent rate reduction. Within one or two months, the rate went up to void that reduction. This was frustrating, but what can I do. They hold all the cards and talk in circles when you try to get information. 

Now, I have extra funds that I would like to apply to the principal of my loan, to try and reduce it so I can eventually pay off the loan, and I am told that I ca n't do that. Instead, it must first satisfy any unpaid interest. If I am satisfying my monthly payments, which they pull automatically from my bank account, how can I not apply extra in a specific way? From what I have read online and from conversations that I have had with other student loan holders, other people are able to do this with their Navient loans, but they say mine does not qualify. I am paying 10 % interest on a {$30000.00} loan ( and that is just XXXX of XXXX ), so I need to be able to pay principal only to get this paid off. I was told the only way to do that is to pay the same day as your due date, but that means I ca n't pay extra on my principal for a month, meaning they make extra money on the interest for the entire month. This is unfair and seems like taking advantage of me as a borrower. The interest accrues daily, so I can pay a payment and have some of it allocated to interest and it still makes my principal a bit smaller, but if I was allowed to pay the entire {$500.00} that I want to on interest, it puts me in a better position overall to pay less interest, reduce my loan amount and get out of debt faster. I have been out of school for almost 7 years, and have been unable to make much progress towards this loan, despite having paid for a majority of that time. This loan has never been delinquent, anytime I was unable to satisfy the payment I called and they charged me to put it into forbearance. It seems like this student loan nightmare will never end. I have loans with other companies, and none have treated me like Navient has. 

I realize that Navient is in the business of making money off student loans. This seems unreasonable and unfair to not allow a customer to pay above their monthly payment and pay on principal only. They have set this up so that you are not able to pay them less in interest and make it extremely difficult to get your loan paid off without coming up with a lump sum. 

From what I read online, it would be easier and possibly put me in a better position to stop paying on the loan and try to negotiate a lump sum payment with one of their debt collectors. I made an agreement to pay this amount when Navient loaned me the money, and I am trying to stand by that, but they seem to want to make it impossible to get this loan paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a company called  XXXX  made an inquiry on my experian credit report on   XXXX   XXXX   XXXX   I do not know who they are. I have disputed it with them but they claim it was a valid pull.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. 

XXXX. XXXX XXXX # XXXX
Product: Mortgage

consumer credit transaction initiated with Bank of America for mortgage loan via credit Application Ending in : XXXX. 
Bank of America by deceptive, unfair and discriminatory acts allege that a fully executed purchase agreement was required for pre-approval letter by bank to facilitate transaction. 
Bank of America cancelled transaction and would not respond nor advise how a fully executed transaction could be obtained without pre-approval letter by bank to realtor as to what could be offered for purchase agreement. 
This is deceptive as a fully-executed agreement is impossible without disclosure of amount pre-approved to offer ( e.g. one million, two million etc. ).

This is unfair and discriminatory per 12 CFR 1002.2 ( n ) Discriminate against an applicant means to treat an applicant less favorably than other applicants. 
XXXX XXXX Resolution Specialist Regulatory Complaints evaded providing response alleging issue was resolved which is false, deceptive and unfair. XXXX alleges that credit application a new credit application is required after 120 days but have not clarified why a fully executed purchase agreement is required before a pre-approval letter can be provided. This act is fraudulent and unauthorized per 15 USC 1602 against consumer otherwise identity theft. 
Further escalated dispute and have not heard back since XX/XX/2021 from XXXX XXXX Senior Resolution Specialist Regulatory Complaints ( see attached ) regarding why a fully executed purchase agreement is required for a pre-approval or why I was discriminated unfairly as a consumer. As of today no response nor resolution has been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Re: NOTICE OF METRO 2 NON-COMPLIANCE  DEMAND FOR IMMEDIATE 
REMEDIATION
Account: XXXX XXXX
This letter is a formal notice regarding severe inaccuracies and Metro 2 reporting violations
associated with the above-referenced account. Your agencys incorrect reporting of this account 
violates my rights under the Fair Credit Reporting Act (FCRA) and causes significant damage 
to my credit profile. Immediate correction is required to avoid further escalation.
Violations Identified for the XXXX Account
1. Incorrect Late Payment Reporting on a Closed Account
o The account shows 60-day late payments in both XXXX and XXXX 2024. Metro 2 
guidelines prohibit reporting new delinquencies on closed accounts.
2. Discrepancies in Last Activity Dates
o XXXX  lists the last activity as XX/XX/2024, while Experian reports it as 
XX/XX/2024, and Equifax reflects XX/XX/2024. This inconsistency directly violates 
611 of the FCRA, which mandates accurate and consistent reporting.
3. Failure to Align Payment History with Account Status
o The payment history indicates multiple late marks even after the account is 
marked paid and closed, which creates an inaccurate reflection of the account's 
standing.
4. Dispute Status Not Updated
o The account is incorrectly marked as "Account Not Disputed", despite previous 
efforts to correct the reporting. This non-compliance with 623 of the FCRA
demonstrates a failure to properly handle disputes and ensure accurate updates.
5. Conflicting Remarks and Status
o Remarks state, "Closed or paid account / XX/XX/XXXX, fixed rate," yet late 
payments continue to be reported post-closure, which is contradictory and noncompliant with Metro 2 formatting.
Product: Debt collection

Diversified collections contacted me around XXXX 2014 notifing me that they had obtained there information from XXXX XXXX XXXX XXXX. I advised them that I had told XXXX XXXX XXXX that I would pay the account off in full when I received my income tax in XXXX and that since they had the account now that I would do the same. I made several {$25.00} payments to them and did pay the account off, the agreed amount with my income tax. They told me that once it was paid off that I could submit in writing to them via fax that I would like it removed from my credit bureau report as a deletion. I did so in XXXX around the XXXX and also called to make sure they received my fax. I was told that a supervisor had it and they would be in contact with me. Several weeks went by with no call from them. When I called again around the XXXX of XXXX was told that this could not be done and I would have to take it up with the credit bureau 's my self and dispute.
Product: Credit reporting or other personal consumer reports

Web XXXX XXXX XXXX XXXX settled a class action lawsuit and I was XXXX of the consumers that was included in this XXXX XXXX. This company switched financing partners and new accounts were opened without consent of the consumers and it affected my credit negatively. I was not properly warned about the effect that this change would have on my credit. Learning of this made me very upset that this happened and contacted to company to close the accounts, I owed no balances at this time. After finding out that this company began to report the old account and new account as negative, I called them again and told them to remove the inaccurate fraudulent information from my credit report as I had not ordered anymore merchandise due to me learning that my account was switched. My request was never granted and I have been disputing the accounts for almost XXXX now. This company ignored my pleas to investigate more into the breach of my account even when I told them that I didn't received anymore items from their company and that the last item that I received from them was completely paid off. This has left me in an XXXX XXXX and very XXXX. The negative impact has been affecting my credit for far too long and is being reported multiple times. This company also violated my rights to privacy by selling the fraudulent debt to another company with my personal information attached, while still reporting damages to my credit report. According to XXXX XXXX XXXX Laws, there should not be damages on my credit report as it is a deformation of my character.
Product: Vehicle loan or lease

I off Bridge crest need it to be report to XXXX credit report
Product: Credit reporting or other personal consumer reports

I call my mortgage company on the XXXX  because and ask him who was XXXX XXXX because they have ownership over my property cause when I purchased this home me and another guy that I know own the property so I went under the an agency website just to know that this company is not listed as the correct creditor which I told him that he wasnt listed so he stated that he dont owns the property he just financed it for me and I discovered that he was trading my securities for an equity and exchange and he stated that he has a lien on my property with I supposedly have ownership over.
Product: Credit card or prepaid card

Apple Card/ Goldman Sachs continuously performs adverse actions against me the consumer. They are also tarnishing my reputation by reporting negative activity to the credit bureaus when I have made numerous attempts to pay. Apple Card/ Goldman Sachs has also created multiple accounts through my consumer credit and will not allow me to access those accounts. When I submitted my remittance payment online, initially my payment was accepted. Apple Card/ Goldman Sachs then reversed the payment after many days. I spoke with a couple representatives and reminded them of their fiduciary duty to transfer the debt. I then tried another account opened through my consumer credit which was sent to me. That payment was accepted too then days later Apple Card/ Goldman Sachs reversed the charges once more. I am submitting a billing error 12 CFR 1026.13 and an adverse action claim against Apple Card/ Goldman Sachs for their malpractices and many violations of the Truth In Lending Act ( TILA ). As I was not made aware of the many accounts opened through my consumer credit nor was the legalese explained to me as the consumer about the remittance payment or the original security contract deposited for bailment purposes.
Product: Debt collection

XXXX XXXX XXXX  has sued me for a Bank of America credit card. I have told them that this was identity theft, and written detailed letters to them, and to the court. Since they persist, I told them of debt owed to me, in the amount of {$5000.00}, by XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. XXXX address : 1XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. After I was sued, I asked her for repayment. She came to XXXX and assaulted me, XXXX police report # XXXX. Then, she started paying me {$200.00} a month. I ask that XXXX have her pay them instead, and drop the lawsuit. If they insist on repayment of the full credit card amount, they should sue her on my behalf due to the assault. I am XXXX, and my primary source of income is Social Security XXXX payments. XXXX will not answer my calls or emails about this matter. Very strange that debt lawyers are the ones refusing calls.