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

XXXX XXXX XXXX has reported an account with a {$0.00} balance to the credit reporting agency as 30 days past due. They have charged a monthly fee and added a late fee and NEVER sent me a bill electronically or via US mail and now have damaged my credit report. On numerous occasions in the past I have attempted to close this card due to them not allowing me to pay the annual fee up front and for them doing this sort of thing in the past. They then waived the annual fee and now they are charging it again and adding a fine and not sending me any billing information. This is fraud at the highest level and damaging to my credit report for an annual fee that I am not allowed to pay upfront.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am requesting to delete the following fraudulent 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 nor accounts. 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the listed items below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

on XX/XX/XXXX, i sent this company a letter about some errors on my credit report but its been over XXXX  days and I still havent received any response from the company I was informed that they may be violating the fcra law for not complying. Please take a look at this matter, as those errors on my credit need to be cleared as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against timeshare XXXX XXXX. I can't remember the names of their employees I spoke with but all of them claimed to be something other than a salesperson and that they're not working on commission. They told me I can definitely make money from this timeshare by either renting it out and/or resale because according to them, the resale value would go up. They also said it had some tax benefits similar to owning a second home. They offered us gifts such as {$200.00} credit card, trips, etc. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. Everything felt rushed because they didn't even allow us time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. We experienced financial difficulty caused by this timeshare, earnings lost and inability to keep up payments based on our income. They repeatedly calling us for payments, I even lose sleep over the stress of the timeshare. I'm old, I'm already at my XXXX 's and already have some medical conditions and having this timeshare only makes it worse, it doesn't even help me relieve stress at all. We felt like our age we're taken advantage of. They lied about maintenance fee, they lied saying we can resell and other sales tactics. As old people, we felt like we were taken advantage of, they used our age to defraud us.
Product: Debt collection

I have literally sent this company a copy of my SSN, a copy of my ID, a police report, a fraud packet. In the mail and in an email. And they STILL have not removed this from my credit report. It has been MONTHS.
Product: Student loan

Across multiple dates in XXXX and XX/XX/2022, login to the Aidvantage XXXX XXXX XXXX processing website was attempted. Attempts were made during as well as after business hours on multiple days without any success at gaining access to my personal student loan billing information. Troubleshooting guides on the Aidvantage website were not helpful, if they loaded at all. Automated help desk calls also did not address the issue as it appears the login function of Aidvantage 's website simply odes not work. In fact, more often than not, the login dialogue box in particular will not load into the main website page. Reading the experiences of others on student loan finance forums indicated that this is the rule rather than the exception and many individuals with loans now administered by Aidvantage are frustrated with the company 's inability to provide adequate services for their customers. The website does not work.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$5900.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$6000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$60000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account on my report that I've never applied for or received service so its fraud. My name is also spelled incorrectly on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered a lot of billing errors. Under U.S. Code 1666 ( b ), the creditor 's failure to properly reflect a statement, the debtor 's payments, or a credit extended to the debtor is a violation. A creditor 's computation error or other accounting error on a statement There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and was considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civ

il liability law which i will sue under is clearly here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the fo llowing findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairne
ss, impartiality, and a respect for the consumers right to privacy.
Product: Prepaid card

Card information was stolen and used. I filed a claim and some of the money was returned however they needed to " escalate '' my claim because there was some very weird charges like to pay taxes etc. that wasn't mine and I can not get a return call or answers. Also, One of the places that was card was fraudulently used agreed it was fraud and credited back my canceled card but the prepaid card company says I can not access that money because the card was canceled and they could not issue me a check for that money or transfer it to my replacement card that they issued me and that I could not claim that money. Fraudulent charges were from XXXX. I have attempted to request for a supervisor to contact me and have talked to the risk management department for the prepaid company. I have also spoken to many consumers that have had similar experiences with the same prepaid company. Perhaps this needs to be investigated further i.e. class action lawsuit.
Product: Credit card or prepaid card

I tried to use my American Express and they said that I didn't pay the Annual Fee but I was not aware of it. Please allow me to pay the Annual Fee and reinstate the account. I can not afford to lose access to his card because my business took a hit because of COVID-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. The account was opened without my authorization. Fraudulent charges were made and are being reported on my credit report. I have contacted the creditor to get this matter resolved. They refuse to honor my fraud claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request to begin a reinvestigation to verify the accuracy of the information with which I disagree, that it is incorrect, inaccurate or incomplete. 

I am writing to you for the purpose of helping me with this problem with the company " Experian ''. I have been doing it for more than a year, asking them to fix some erroneous information that they are putting in my credit, this is affecting me critically in my search of work and in the loans to buy my house. 

My reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal. 

I demand reinvestigation this dispute for account information from XXXX " XXXX XXXX XXXX XXXX / XXXX '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. " Experian '' has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. 

I have asked them on many occasions to investigate the error they have, but they use an automated response system, where all the answers are the same and do not pay attention to the request that I write to them. It is a total lack of respect for citizens not to take seriously the letters I send them.
Product: Credit reporting

XXXX XXXX XXXX. is not a company i 've done business with. its my son of same name but he is the XXXX. 
XXXX XXXXXX/XX/XXXXXX/XX/XXXXAutomotiveCreditor Contact DetailsXXXX/XXXXXXXXXXXX, MA XXXX ( XXXX ) XXXXSee something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XXXXXX/XX/XXXXXX/XX/XXXXAutomotive
Product: Bank account or service

Wells Fargo processed a transaction on my debit card as a credit card transaction attached to my checking account. I did not have funds in the account, instead of declining the charge, they process the charge, They then charged me a XXXX insufficient fee for paying a charge that should have been declined if funds were not available.
Product: Credit reporting or other personal consumer reports

Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Product: Checking or savings account

I filed a complaint with Bank of America XXXX  prepaid card they denied my complaint I put in for reconsideration that as well was denied there's a federal lawsuit against Bank of America right now that they're not to freeze block or deny any claims due to the XXXX fraud A new card was sent out to me but no credits were ever applied
Product: Payday loan, title loan, or personal loan

Constantly calling with short ANNOYING statements " CALL ENDING ",  XXXX  THEN A PAUSE AND DISCONNECT and other short comments through out the day Several Times A day ... ..sometimes Just Holding the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX, my XXXX XXXX ACCOUNT # XXXX XXXX, was closed on my report and it should be open on the bureaus instead of closed. i paid the balance down, been on time every month, and it drop my score 7 points as well
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you cease all communication with me regarding the debt you are attempting to collect. Pursuant to 15 U.S.C. 1692c ( c ), I hereby request that you immediately stop all communications with me concerning this debt, including any communication through credit reporting. Under the Fair Debt Collection Practices Act ( FDCPA ), once a consumer requests in writing that a debt collector cease communication, the debt collector must stop all communications, except for the following exceptions : To inform the consumer that the debt collectors efforts to collect the debt have been terminated ; To notify the consumer that the debt collector or creditor may invoke specified remedies that are ordinarily invoked by them ; To notify the consumer that the debt collector or creditor intends to invoke a specified remedy. This requirement was reinforced in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX 2010 ), where the court emphasized that debt collectors must adhere to a consumers request to cease communication under 15 U.S.C. 1692c ( c ). Additionally, any reporting of this debt to credit reporting agencies after this notice will also be considered a violation of the FDCPA. Any further communication from your office regarding this debt, including through credit reporting, will be considered a violation of the FDCPA, and I will pursue appropriate legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I rented an apartment at XXXX XXXX XXXX XXXX located in XXXX, Florida. In XX/XX/XXXX after obtaining my credit report I learned XXXX XXXX XXXX XXXX claimed that I owed them {$3700.00}. I learned that XXXX XXXX XXXX XXXX sold the debt to I.Q. Data International. Inc. a notorious collection agency. I also learned the debt had increased to XXXX. As of today the debt is {$4200.00} ( see derogatory_mark.jpg ) On XX/XX/XXXX I mailed I.Q. Data International. Inc. a registered letter, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate '' the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see uploaded iq_data_letter.pdf ). Then again on XX/XX/XXXX I mailed I.Q. Data International. Inc. the same letter ( by registered mail ) that I mailed to them on XX/XX/XXXX. I mailed the registered letter to two known I.Q. Data International. Inc. known addresses. 

Sometime in XX/XX/XXXX the registered letter that I mailed to I.Q. Data International. Inc. on XX/XX/XXXX was returned to me unopened with a sticker attached reading, Return To Sender In Dispute Unable To Forward. On or about XX/XX/XXXX one of the two letters that I mailed to I.Q. Data International, Inc. on XX/XX/XXXX was returned to me unopened with a sticker attached reading, Return To Sender In Dispute Unable To Forward. I know for a fact that all my letters were delivered, received and signed for by a I.Q. Data International , Inc. representative because USPS enables clients to track and verify registered letters are received and signed for ( see IMG_4072.jpg )
Product: Checking or savings account

fraudulent appraisals were used by appraisers who one had already been reported to the state and the other whose report was so fraudulent and biased it was unbelievable. he has also been reported and complaint in process. the banks representatives and crooked attorneys foisted these bogus appraisals on us and sold one of our assets by misrepresenting and defrauding us and the court. they knowingly and with malice knew these appraisals were XXXX and XXXX my XXXX XXXX XXXX mother with XXXX out of her/our property. this was supposed to be a trust but is XXXX instead. we have been accused, denigrated, demeaned, intimidated, railroaded and frauded at their whim. the pseudo lawyer representing Bank of Texas has been egregious and treated us all with malice and abuse. we lost a key piece of property and 23 % of our assemblage thanks to their criminal behavior. this took place on XX/XX/2023 and was all in the interest of the lawyers taking vast amounts of monies for themselves under the auspices of protecting my mother when all they were doing was feathering their own nests. I have massive amounts of information and files if you will even bother to call.
Product: Credit reporting

There is a charge that said XXXX then a creditor took it and charging me for debt i do not have.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate below : XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX I want reported accounts removed Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because Experian is reporting an account that is under litigation on a current lawsuit. For this reason, this credit reporting agencies is supposed to delete this account. 

I've been through a hard time with this account and now I even have to tell this credit repotting agency to do the right thing. This account must be deleted from my report. This situation has caused me psychological stress and I am just requesting what is fair. 

Account information : Account number : XXXX, date Opened : XX/XX/2020, high credit {$2400.00}. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

their is a collection on my report from XXXX XXXX  stating I owe an XXXX XXXX. I mailed them directly disputing this in which they never responded and never reported the account being in dispute. The letter stated I received your communication/attempt to collect the above-listed alleged debt within 30 days ago. Please be advised that I hereby dispute the validity of the above-listed alleged debt in its entirety. I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the above-listed alleged debt. Cease & desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain. This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and Ive noticed that I have a fraudulent inquiries reporting on my credit report Im asking that this inaccurate inquiries please be deleted.
Product: Mortgage

HSBC ( Hongkong and Shanghai Banking Corporation ) dba : Household Finance Corporation ; Beneficial Finance XXXX XXXX XXXX XXXX, XXXX, MN XXXX The Mortgage Bankers at HSBC gave us a sub-prime mortgage loan on which they foreclosed in XX/XX/XXXX. 
Our family has not been compensated for the illegal foreclosure of our home during the XXXX foreclosure crisis. We are asking that we be fully compensated {$300000.00} for the bank 's seizure of our home. There are millions of dollars floating around within the financial systems to compensate families like ours, yet we have not received compensation for the seizure of our home. 
My son was XXXX XXXX XXXX when our home was Foreclosed. He is now XXXX XXXX XXXX, and through his studies at school he has become well educated in the 'Troubles ' of XXXX XXXX and the XXXX Conflict. Similar to these situations our family was DISPLACED. We have been homeless and domestically unstable since our house was seized XX/XX/XXXX and then immediately sold on the Foreclosure Market for well below it 's actual market value. 
I have had discussion with my son regarding the conflicts that arise in other parts of the world when people are displaced from their homes. I told my son I do n't want to talk about XXXX and I do n't want to talk about XXXX anymore. I want to talk about the XXXX and getting XXXX and XXXX XXXX ( our family ) compensated for the sub-prime mortgage foreclosure of our home XX/XX/XXXX. We are asking to be immediately fully compensated for the illegal seizure of our home.
Product: Debt collection

OnXX/XX/19 I received a credit report alert stating that Penn Credit has placed a collection/charge off in the amount of {$120.00} with an assigned date of XX/XX/19 on behalf of XXXX XXXX/XXXX. This collection was also on my credit report under XXXX  XXXX XXXX  back in XX/XX/2019 and was deleted off my report on XX/XX/19 around the same time Penn Credit stated it was assigned the debt. I spoke with a customer service rep at Penn Credit on XX/XX/19 and stated I never received a dunning notice or any other communication in regards to this debt that appears to have been transferred over. She replied that a notice was mailed out onXX/XX/XXXX and that I should receive it in the mail any day now and that attempted to call a phone number which was not mine. Penn Credit placed a negative collection on my report before I could sent a DV letter in regards to this matter. I have paid the original creditor XXXX XXXX/XXXX and do not owe Penn Credit.