23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

After completing my XXXX degree, I consolidated my student loans in 2007 and my total was $ XXXX. 9 years later without missing a payment, I have paid over $ XXXX! My student loan has changed companies multiple times and as a result of a recessed economy and poor business practices, which were totally out out of my control, my loan has also restarted multiple times and I still owe $ XXXX. I am currently paying {$670.00} per month of which {$520.00} is going towards accrued interest NOT my principle. I have already paid an incredible amount with nothing to show for it but a 'generous ' offer from your customer service representative XXXX ( Edfinancial Services Case ID : XXXX ) to pay more! Is this how the American education system works for honest citizens who strive for higher education and learning? 
I would like to make a cash offer to buy out my student loans for {$20000.00}. That will give your company a total amount of over $ XXXX in repayment.
Product: Vehicle loan or lease

Please note my chief complaint is misappropriation of principle and Interest payments made to Chrysler capital. As a young XXXX American who is considered low-income. I also believe that I am paying a higher Interest rate because I am XXXX American. This is A payment was made to Chrysler and Chrysler capital applied the entire double payment that I made to my interest and nothing to the principle that was due. They advised that they did not send out a notice or have to get my signature for such action because it was a recording. I asked them to provide documentation of such motion but to no avail. In this current pandemic, I was able to pay {$1100.00} which I really did not have to spare. ( From XXXX XX/XX/XXXX to Date XX/XX/XXXX, {$5200.00} has been paid towards the interest. {$1700.00} has been paid towards the principal. )
Product: Debt collection

I recently paid this collection off in full, they told me they don't pay to delete they only update the account as " PAID IN FULL '' and they still have not updated my account at all, the ORIGINAL account is from XXXX XXXX. this account is hurting my credit score very badly to where i can't get any credit cards. I have multiple phone recordings of all conversations about how the account was gon na be updated to " PAID IN FULL ''. I need this account updated ASAP.
Product: Credit card or prepaid card

I changed my address with unemployment and it changed the address on my card and so USBank Reliacard blocked my card, saying they were not sure if it was fraud. Said I had to send in state ID and selfie i have been doing that for 4 days and they keep saying they have not received it or there system is down, I have had a couple agents tell me they received them, then they say no they did not receive them .I have uploaded them through the site they gave me, I have also uploaded through there document center, and also faxed them there is quite a bit of money on the can not use or even touch. And when it is unlocked I will barely be able to do anything because of all the restrictions they have put on it, I have a XXXX old who does not understand my card is locked. All she wants is to know why I can't buy groceries and other things she needs. This is the most trouble i have ever had with a card and I will be finding another card company for unemployment that won't block my card like this.
Product: Credit reporting or other personal consumer reports

Dictation on. There is a severe problem the CAPITAL ONE financial they report incorrect information to credit bureau for the last two years. For example, yesterday ( XX/XX/XXXX ) I reported {$420.00} and {$420.00} as incorrect charges for XXXX car rental on XX/XX/XXXX my credit card states that I was given XXXX different different CAR RENTALS on XX/XX/XXXX. 

Today XX/XX/XXXX, I reported a charge for {$78.00} from XXXX again XXXX XXXX XXXX and I had no XXXX car rental. I also reported XX/XX/XXXX XXXX XXXX charge for {$360.00}. The fourth person on the phone at CAPITAL ONE stated all three of the reports from XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX ( Duplicate charge, I believe before my health ins was used because XX/XX/XXXX charge of {$5.00} is correct, as I physically gave them my card, and have {$5.00} receipt ). That XXXX person said these complaints and charges were already reported. Maybe to the first XXXX people, but that was my first complaint of those XXXX charges. I'm XXXX and take notes of every complaint and keep receipts, etc. Capital One has made false reports to THE 3 CREDIT REPORTING AGENCIES. MY copmplaint of {$130.00} from XXXX was from XX/XX/XXXX. XXXX was notified I was being double billed. I can not force a {$130.00} refund, but it needs to be credited back to that XXXX date and interest and late charges removed. Every month ( except XXXX ) my bill is paid in full. They do not post credits when due. They posted a {$100.00} credit for a {$100.00} hold fee of {$100.00} which was to be held until checkout fot ESA HOTEL ON XX/XX/XXXX for months ... .. it still has not been credited. The list goes on. My wallet was stolen XXXX while my truck and RV were demolished in a freak windstorm and my RV flipped over 3 times the officer said and it caused mt truck and me to flip over. During hospital recovery ( in XXXXXXXX XXXX  ) my things were looted at XXXXXXXX XXXXXXXX XXXX XXXX XXXX My drivers license, a passport, a document of ownership of my XXXX XXXX a generator was all stolen. Capital One also has delayed posting {$41000.00} from XXXX XXXX by EFT from XXXX XXXX till now even though XXXX way phone call XXXXXXXX XXXX agreed to pay the transfer as {$68000.00} is inn that bank account. I'm XXXX and consider this ELDER CRIME
Product: Credit reporting or other personal consumer reports

Here is a list of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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
Product: Credit card

Every time I pay a sum of my credit, I get charged with an interest rate charge of at least {$130.00} or more
Product: Credit reporting

I check my credit score every day and on XXXX XXXX my credit score was at XXXX, but when I checked it on XXXX XXXX, 2016 my score had fallen to XXXX ( XXXX devastating points ). I contacted Transunion and XXXX and discovered that XXXX ( Student Loan ) reported my XXXX payment as 30 days late although my payment was due on XXXX XXXX, 2016 and I made my payment on XXXX XXXX, 2016, which is only 15 days late. I would like to dispute the 30 day late payment for XXXX 2016. 
I have attached receipts of my on time payments with this letter for the last six months. My next payment is n't due until XXXX XXXX, 2016, so a receipt for that payment is not included. I am preparing to purchase a home for me and my daughters and am devastated by this set back after proudly watching my credit score rise over the last six months. 
Today, XXXX XXXX, 2016 my score rose by XXXX points to a high of XXXX with Transunion. I have no recent late payments and these credit reporting bureaus are playing with my credit score raising and dropping my score as they see fit. I spoke with the credit bureaus and they provide very limited information. I also spoke with XXXX, my student loan provider and they have confirmed that I do n't have any late payments with them. I have gone through my entire credit report and there are no recent missed/late payments that would 've caused my credit score to drop. This situation bothers me even more today than it did on XXXX XXXX, becase my score rose XXXX points today and if if the credit bureaus had not dropped my score on XXXX XXXX I could be well on my way to almost a XXXX credit score. I really need assistance with this because I am making all types of sacrifices to make sure my payments are on time and I am trying to change my life as well as teach my teenage daughters about credit in the process. Please help me with this i beg of you!! 
Also, on my credit report it shows that I did n't pay the full balance to XXXX for a XXXX XXXX account I had. I have attached receipts to show that the account was paid in full. 
Please let me know if you need any additional information to expedite this request.
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit reported and noticed charge off accounts and multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Product: Credit card or prepaid card

I ordered furniture from XXXX XXXX XXXX and used my Citi Bank Brand source credit card to pay for it, but I never received the furniture I ordered, and despite having evidence of XXXX the finance manager trying to extort money from me and intentionally defrauding me during this transaction, Brand source and Citi bank refuse to help me. I have filed complaints with both and they both say because I filed one week after the 60 days of the charge being filed they refuse to help and dispute the claim! They have refused t make a corona virus exception! 

XXXX XXXX XXXX  unethically used the corona virus as a delay tactic to prevent me from filing the dispute within 60 days since they knew all they had to do was fraudulent claim the custom order was still being built! I want someone to investigate this because I have found other victims of this scam by asking the maker of the couch if this couch was indeed delayed or if XXXX XXXX XXXX intentionally lied and committed fraud! During this state of emergency Brand Source and Citi Bank have been implicit in XXXX XXXX XXXX abusing the coronavirus pandemic by not giving its customers the same protections it uses to deceive its consumers with! This is not okay, especially during a federal state of emergency! 

XXXX XXXX XXXX is not registered with the state of california, they are under a umbrella corporation called XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX, California XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX all refuse to remove old paid account off my credit report. I have disputed this with each company at least 5 times. This account is from the Department of Education that was opened in XXXX. This account was never paid and after more than XXXX  years the debt was sold to XXXX. I have written letters to each bureau requesting this old debt to be removed but each bureau refuses to do so. This is a direct violation of the Fair Credit Reporting Act. This account reflects a negative mark on my report and no matter what course of action, these three bureaus refuse to remove this account. Once again this account was opened XXXX of XXXX. This account was never paid until forgiven by Biden in XXXX of XXXX. This account is XXXX XXXX XXXX and according to the LAW this must be removed after XXXX or XXXX  years at which this account has exceeded both. XXXX, Transunion and XXXX are all in violation of the Fair Credit Reporting Act. XXXX is reporting this account has been paid as of XXXX but this account has never been paid. Therefore this is also inaccurate reporting by both the Department of Education and XXXX, Transunion and XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX AZ called me on a local XXXX XXXX XXXX XXXX - first on my office number, which is XXXX and was very rude when I requested to remove the number from their call list. I gave the person XXXX XXXX XXXX XXXX my cell number and he called me, again from XXXX number, when he was in Arizona. I requested his company name, location,, and true telephone contact number, which is XXXX. He indicated that his client, Navient, was trying to collect on loans from XXXX ( XXXX and XXXX specifically ), but would not provide me actual loan numbers, instead gave me a sequence of XXXX which is part of my Social Security number. The loans in reference are old and should no longer be on my account and I called Navient, who said they had no idea who XXXX XXXX was. The loans amount to XXXX, but again, these are old loans that fall under the statute of limitations which I am no longer responsible for - regardless, this person was very rude and threatening and when I said that the loans were private and uncollectable, he stated very rudely that " these loans never go away '' which is an absolute lie.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 
15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. Section 604 A Section 2. It also states a consumer reporting agency can not furnis 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: Vehicle loan or lease

I financed a Yamaha waverunner through the dealership. The loan was through Yamaha finance. I paid the loan in full on XX/XX/2020. They confirmed receipt of payment and the loan was satisfied. I subsequently sold the waverunner and asked for the title. They stated they would not send it for a minimum of 30 days. They have no reason to do this and there is nothing in the finance documents stating they would do this. This is unacceptable. I made good on my loan and they need to release the title.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking 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. 
XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$540.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX  ) XXXX Balance XXXX {$690.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. There was never any problem, but this happened out of nowhere which really effects me negatively. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I notified Experian, XXXX and XXXX of fraudulent activity on my credit report with XXXX XXXX XXXX multiple accounts fraudulently reporting and XXXX and XXXX XXXX hard inquiries fraudulently acquired without my permission. As of today, nothing has been done. I 've provided XXXX and Experian with requested info such as police report, identity theft affidavit, FTC identity theft report and more but XXXX, XXXX and Experian have not deleted inaccurate accounts and inquries off my credit report. XXXX XXXX XXXX accounts are not mine. Experian, XXXX, and XXXX has not complied after I have complied by provided proof those accounts are not mine or permanently deleting them off my report. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws.D
Product: Credit reporting or other personal consumer reports

I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors like XXXX  and XXXX XXXX reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.