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

XXXX XXXX gave me a CareCredit brochure with a promotion to help pay for some XXXX. I was not told at the time what would happen at the end of the promotion period. Applied and got the Credit Card. Paid for some of the XXXX with the card. made the Payments and when I got close to the end of the promotion I though the balance had been transferred to another credit card account with a 4 % interest rate. Yet no transfer happened. My payments were still being made though and at no time did I fail to make payments. Autodrafted! In XXXX I got a notice that my card had been charged over {$4000.00} for past interest! I had no idea that would happen. I assumed like regular credit cards it would go to a high interest rate on the remainder of the balance. NOT be charged for the promotional period. I called the Dr. office to find out why they promoted this company! I told them what had happened and they claim to have no idea that this practice of charging the accumulated interest was possible. They, like me, thought the remaining balance would be charged the ultra high interest rate 26.999 %. NOT retroactive. I paid the balance of what I owed for the original amount. And I have paid {$720.00} as well. I called and wanted to find out what I could do about that charge. They just said sorry. This is unacceptable. I pay my bills but this is robbery,.
Product: Mortgage

My payments were current until XX/XX/2023 at least that is what I thought after making my XXXX payment everything was showing that I was current and then a week ago I receive a statement saying that I was 2 months behind to my surprise and being told a few days ago without my knowledge that they had reversed my XX/XX/2023 payment to pay on my escrow payment and today they claim that my payment in only a year after being traded from my other lender that they have raised my payments 2 times by XXXX. But yet without my knowledge they reversed my XXXX payment and this has put me behind again and they won't me to allow me to make payments online because of their mistake. I have also reported the company to FHA. I am scared that they are trying to take my house away from me for their fraudulent acts. I have a XXXX XXXX  child and a XXXX 's XXXX. My mortgage is supposed to be a streamlined and fixed rate. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent over and also call this company about this matter for about 2 months. I Have accounts as well as an address that does not belong to me but they continue to call it " verified '' in which they have it gave me proper proof that what their saying is " verified ' is not actually really accurate. Having Unverifiable accounts on my credit report is against the law and they still continue to not follow the law in my case. I have file an FTC report and sent it to them with also other documents showing them what I stated is correct to proof what I am saying is correct. They still yet to give me a real investigation on my case. Again those accounts and address do not belong to me and want them situation handle the correct way. I am tired of being treated this way and I have a right to an accurate credit report.
Product: Student loan

XXXX submitted to XXXX XXXX, XXXX. Applied to only half my loans by XXXX ( all of my loans qualify for both XXXX  ). Was told this would be updated to the remainder of loans in XXXX. Federal loans transferred from XXXX to Mohela in XX/XX/XXXX for XXXX. Mohela only applies the XXXX  rate to half the loans and does not update this. The remaining loans are on XXXX repayment. Spoke over phone XXXX XXXX, placed on admin. forbearance and resubmit XXXX  request at that time. Forbearance ends in XX/XX/XXXX. I call again several times and eventually am told they are still processing IDR request. Placed back on forbearance once again through XX/XX/XXXX. XXXX  request remains unprocessed. Have now missed 5 months worth of XXXX payments while on forbearance. No information is being provided by Mohela and they continue to delay processing of my XXXX  request with recurrent forbearance placement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am becoming more and more frustrated. I understand that mistakes happen. Nevertheless after repeatedly communicating with you company that the information that your company has been reporting is inaccurate I would like to think that you all would act fast to resolve the issue. Especially since this is a violation of ( 15 USC 1692e ), which states that ( 2 ) the false representation of ( A ) the character, is illegal! This is also a violation of ( 15 USC 1692d ) 1. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. By reporting inaccurate items on my credit report you are tarnishing my reputation which I will not allow even if I have to seek litigation. Also this is clearly defamation of character! 
Which I remind is you will not be difficult to prove in a court of law. 
1. I can prove the information being reported is invalid 2. I can identify your company as being the one who made the false statement ( copy of your report is easy evidence ) 3. I also can prove that this was reckless and was a knowingly made action ( I have evidence that I have contacted you guys about the error and know actions have been taken ) 4.The statement was published ( once again my copy of your reports can be used as evidence for this ) 5. The false statement harmed me ( I have proof of the denial letters that have occurred because of your misleading information being provided on my credit report ). 

Also let me remind you that the banking system relies on the accuracy and fairness of credit reporting! According to FAIR CREDIT REPORTING ACT 15 USC 1681! 

In case you did not know Civil Liability ( REMEDY ) ( 15 USC 1692k ) states that I can receive compensation for each violation! 
So please resolve this ASAP or I will seek litigation!
Product: Debt collection

I do not own anything to this company, have never signed, picture xompany wont provide anything to testify it was me. I had no clue of this account and its affecting my credit really bad
Product: Debt collection

Yes I received a letter from check into the cash via postal Service. The letter alleges that I owe him a debt for a loan I took out. According to my knowledge and my records I have not taken out a loan with Check Into Cash since the late XX/XX/XXXX or early XX/XX/XXXX. The letter instructs me to get ahold of check into cash within 10 business days to pay in full a loan that I allegedly took out. If I don't get ahold of them within the 10 days they threatened lawsuit and garnishment of wages. The letter also alleges that they've tried to get ahold of me several times which is not true. What the letter does not say is the dollar amount of the debt and the date in which I took out the loan. I'm not sure what they constitute as reaching out to me on this matter. Because the only contact I've ever had with this company in recent years is to forward emails that I have received from them or someone on behalf of them stating that they are going to sue me because of a defaulted loan. In each case I was contacted by the company themselves and told that it was a scam. Outside of that check into cash has not reached out to me on any alleged debt that I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original complaint regarding XXXX and XXXX XXXX, ( Complaint Number XXXX ) on XX/XX/XXXX, I complained that the account had been taken care of through an accident and I was released of liability. Since the complaint, XXXX has updated the account to report an account charged off in XX/XX/XXXX to a late payment in XX/XX/XXXX. XXXX has updated the amount from {$12000.00} to my being currently past due of {$13000.00}. How can this be? 

I have uploaded the release that was signed in XX/XX/XXXX, so it is beyond me why XXXX would report false information.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX FUNDING ( XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX A ) XXXX Balance : {$830.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Collection was added to my report. I did not receive any letters regarding this. I am not sure about what the charges were for. Was not provided any information
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit 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 CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Bank account or service

I found out today ( XXXX/XXXX/2015 XXXX that Citibank increased its monthly service fee for my checking account in XXXX 2015, but I was not notified that a change in fee was imminent. Citibank 's competitor charges less and I would like to have had the chance to switch to another bank before the fee went into effect. Citibank has also made it next to impossible to avoid a fee on this account ; it requires in part a monthly bill payment using its " online bill pay '' system. However, none of the companies I work with, including cable companies such as XXXX or my utility provider are set up on its system. It simply does n't recognize them as companies. Other companies do n't exist at all. Its obvious the product was oversold ; since those other companies have their own payment sites, Citibank 's bill pay system does n't make sense, especially because it does n't work. For example, to send a payment to XXXX, Citibank 's online bill pay needs up to a week to print and mail the company a paper check. The money is deducted today but does n't show up in XXXX 's system more than a week later, since they need time to process a paper check. Citibank promised in its sales pitch and its marketing that I could use the service to pay utility and cable bills. But this is not the case.
Product: Debt collection

I paid this collection with Midland Funding in XX/XX/XXXX and it 's still showing a STATUS as OPEN, in collection and 90 days past due as XX/XX/XXXX on my XXXX and XXXX credit reports. I have made numerous phone calls and disputed this info to the company at least XXXX or XXXX times since I paid the collection in XX/XX/XXXX. All I have asked the company to do is update the collection iwith the correct info and show that is a paid collection. No such luck as of yet. Every time I dispute this collection it shows up with a new collection reporting date as if the collection is new. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX FCU Account Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX CREDIT UNION Account Number : XXXX FIRST XXXX BANK Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX SRVC Account Number : 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

us bank denied me consumer credit transaction in accessing a portion of my unlimited credit. 15 usc -1691- unlawful to discriminate against applicant with respect to any credit transaction.

12 USC -1431 : the banks are the borrowers Equal Credit Opportunity Act, CCPA 15 USC-1602 ( i ) I am the creditor in pursuit of life, liberty, and the pursuit of happiness. 

US BANK  XXXXUS BANCORPXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Item XXXX : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. 

Item XXXX : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. 

Item XXXX : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please.
Product: Debt collection

On XXXX XXXX I received an email from XXXX yet the body of the email states its actually a company called resurgent capital services LP trying to collect a debt I allegedly owe to XXXX XXXX On XXXX XXXX I received a second email so I called and spoke to XXXX XXXX and requested additional info on this debt, I was told LVNV Funding LLC purchased this debt on XX/XX/XXXX and that resurgent capital services LP was their third party. I stated I never received written information along with dispute details and questioned why I would receive email notifications first and asked how my email address was acquired, XXXX XXXX said a skip trace was done to get my information, again I demanded written notification be sent to me with dispute details which I have not received yet I keep getting emails for payment. I find it alarming this debt was purchased XXXX day before last weeks XXXX XXXX, last week I received a second email from XXXX XXXX XXXX  since XXXX regarding a breach from XXXX of XXXX exposing call/data logs, Ive had my email XXXX hacked twice XX/XX/XXXX and XX/XX/XXXX, Ive had my medical records breached in the XXXX XXXX breach last year, Ive had accounts created for renters insurance by my previous landlord who would never give me policy number/details when requested it for XXXX XXXX XXXX XXXX XXXX  yet they were obtained in my name, Ive XXXX checking accounts compromised and XXXX debit/credit cards closed due to unauthorized activity, Ive received calls/texts wanting to buy homes I dont own all in the last XXXX years. I feel Ive been XXXX stalked and or my identity has been stolen/compromised, please advise on how to make a police report at your earliest convenience. The more I tell companies not to share/sell my personal information it seems the more vulnerable it becomes. The XXXX XXXX in the logo of resurgent capital services LP and LVNV Funding LLC look striking similar to the signature green of the corporate landlord Ive been battling with for XXXX yrs and happens to have the same agent for service XXXX XXXX XXXX
Product: Credit reporting

I have disputed three times now the validity of Equifax reporting I am 120 days or more past due on XXXX of my student loans. I have spoken with XXXX/XXXX and they do not show I was ever late, yet Equifax keeps coming back with a response that it was verified by XXXX/XXXX. I do not believe they have verified anything with anyone. I have all of the backup stating I have never been past due. Equifax is the only credit agency reporting this incorrect payment status. I would like Equifax to remove the late payments immediately.
Product: Mortgage

Follow up on to case XXXX Today I received the attached paperwork, stating that the refi was denied in part due to a judgement... I have ( XXXX XXXX ) pulled all my credit reports and see nothing... there are no judgements on my account -- why is the mortgage company stating this? They also state in this paperwork that my credit score is XXXX ... it is not, per the credit reports I pulled today? What are they doing?
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I had a home equity line of credit ( HELOC ) with XXXX. We never drew down the line of credit, and it was closed when we sold the home in XX/XX/2016. Indeed, we have the deed of reconveyance for the HELOC. Yet the HELOC still shows as open on all of our credit reports. It appears that XXXX never informed any of the three credit reporting agencies that the HELOC was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry on my report was not authorized
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SHELLPOINT MORTGAGEs customer service representative.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that are inaccurate and have been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information sent to ftc XXXX  breach po report sent to all bureaus
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

PLEASE CHECK ATTACHMENTS BELOW
Product: Credit reporting, credit repair services, or other personal consumer reports

For years experian has my name as XXXX XXXX XXXX XXXX. I am XXXX XXXX a woman. My husband is XXXX XXXX XXXX XXXX. This company is so in component they ca n't even get my name correct. I 've sent in proof so many times its ridiculous now. If they have my name wrong, how can they possibly actually be disputing items I have requested? They have the wrong name. How are they calling these companies with a fake name to verify? They are not, that 's how. They lie and never even dispute anything. I 'm attaching the report I got in the mail today and my license.
Product: Credit card or prepaid card

On XX/XX/2019 I called capital one to pay off my account they told me the pay off balance is {$1000.00} and I paid it I asked what is my balance phone prepressnative told me XXXX Now I recidved a statement bill which capital one charged me {$15.00} interests For what??????? 
I paid off according to what they told me Period ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all 3 credit bureaus about several inquiries that were not mine and a few that were duplicates listed in my report. I disputed these results and every time I call in they tell me there is no dispute. XXXX  told me I had to dispute directly with the company that did the inquiry. I sent notices to them and did not receive communication back. I updated XXXX on XXXX18 as well as Experian and XXXX  and was told they could not help me. I have 45 inquiries on my report and only 6 are mine and accounted for. All 3 credit companies will not aide me in the removal process.