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

Trans union received official documentation of my police report and affidavit proof of identity theft but they continue to report XXXX  XXXX account ending in # XXXX and XXXX account ending in # XXXX i will attach a notarized affidavit and i will attach proof of police report. Also checking my credit on XX/XX/ i have also found that XXXX account ending in # XXXX is reporting additional inaccurate information on my credit report which will be attached. Trans union reports last payment on XXXX account on XXXX XXXX XXXX reports last payment XXXX. Error number two same  account two different close dates trans union reads XXXX XXXX XXXX readsXX/XX/XXXX. Error number three days late trans union  reports 120-149 days late XXXX   says 180 days past due. Also the XXXX account ending in # XXXX is a closed account reporting monthly payments of {$230.00}. These errors on my credit report has been harming me financially and emotionally i cant continue my line of business with inaccurate information on my credit profile.
Product: Student loan

I took a student loan through American Education Services while I was going to college at XXXX XX/XX/XXXX-XX/XX/XXXX. The original loan balance was {$11000.00}. I started paying the loan in XX/XX/XXXX over 8 years ago and my current balance is still {$9200.00}. I have not missed a payment in 8 years. I receive notices several times a year that my monthly payment amount is changing though there is never an explanation as to why. I have called to request overpaying the principal each month in order to pay down the loan faster and that was denied. They said I would have to mail a separate check each month and that I could not adjust my auto-debit. I also have called to request consolidating this loan and have been told twice that it is not possible with the type of loan I have. 
I have XXXX other student loans ( some federal, some private ) that are all coming down nicely and set to end in the 10 year period originally defined. I feel that this company is gouging interest and unnecessarily extending the life of the loan. If I continue on this path I will pay more than double the original loan amount and it will take over 20 years. This is unacceptable to me considering all XXXX of my other loans do not work this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I received a letter from Greensky dated XX/XX/20 regarding an overdue balance. I never opened an account with them. I never received money from them. Five and a half years after I allegedly opened this account, they say I owe {$15000.00}. 
This amount is on my credit report and should not be as it is not mine. 
Please help! 
Thank you
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I purchased two monitors through XXXX. financed by affirm.com. 

On XX/XX/XXXX, both monitors started having an issue with the USB C connection, and the next day they stopped working completely. 

At the time I was still on the return window, however, XXXX refused to return since I did not have the original box and original packaging. 

They have rerouted me to go through XXXX manufacture warranty. 

From XX/XX/XXXX till XX/XX/XXXX I have been back and forth with XXXX XXXX, returning monitors and sending monitors back. I don't have them anymore with me and after speaking with XXXX again today they don't think it is a warranty issue. 

At the end of the day, I am paying for something I don't have and was delivered to me defective. 

XXXX points out to Affirm if I have an issue, Affirm points out to XXXX, XXXX points out to XXXX and XXXX points out defective unit sales at XXXX. 

And I am paying for something I don't have and something that does not work from the time of delivery. 

Affirm refuses to do any dispute and is not willing to hear me out or help me address this issue.
Product: Credit reporting or other personal consumer reports

Consumer Reports Regarding Address Discrepancies to all 3 Credit reports XXXX, TranUnion, XXXX. Data Leaks due to identity Theft and Mortgage Loan reporting inaccurate information to all 3 Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On    XXXX   XXXX   2017, we paid our HE LOC balance in full.   Prior to payment we called Chase Mortgage to let them know we were paying off the full balance on   XX/X/2017 .    We asked if there would be any problems if we did not m ake a  XX/XX/2017  pa yment, as full pay-off would be made  72 hour s later.   We were assured it was ok and there would be no problems.   B ut Chase cre ated a major problem for us, by reporting a " late '' paym ent on  XX/XX/2017 , when  they assured us they would.   As the full amount of the loan, not just a monthly payment was made 3 days later and  Chase knew it was coming, from to notifications ; one from our phone call and the second fro m the  XXXX   XXXX  notification of pay- off seven days  earlier, it was unfair of Chase Mortgage too harm our credit with a late report.   The  Credit Rating companies - XXXX  - XXXX  and  XXXX - have wrongly repo rted this as a late payment The harm has been extensive, stopping us from getting a new mortgage.
Product: Credit reporting or other personal consumer reports

Account Number starting with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Whose address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. Thank you for your cooperation. 

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

I just received another can letter from Experian company stating that you already verified the account listed below. 
Chapter XXXX Bankruptcy XXXX You know, Im tired of sending letter after letter to Experian company. Ive wasted a lot time trying to get this matter resolved ; yet you still will not conduct a proper investigation into my account. When your back is up against the wall, and you have nowhere to go? Well Im contacting a consumer rights attorney who specializes in suing creditors collection agencies and credit bureaus. If you choose to send me another can letter and do nothing, I ll explore all legal options and fire complaints with the following agencies : The ball is in your court.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORT DISPUTE LETTER I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. 
The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX Amount : {$480.00} HARD INQUIRY : XXXX XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS DERAGATORY AND I AM REQUESTING FOR IT TO BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item ( s ) to be deleted off my credit report. Enclosed may be additional evidence to support my claim. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX lowered my credit limit because TransUnion reported delinquent payments on 2 credit cards, which were not mine but had been taken out in my name. 
A XXXX XXXX XXXXXXXX XXXX and XXXX Credit Card . 

I contacted XXXX  XXXX XXXX and they are closing the fraudulent account. I have not yet contacted XXXX. 

I disputed this with TransUnion but did not get a response by the date they said I would, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have been in repayment status for decades and have made payments as required, with bulk of payments having been timely made. 
I have whittled payments down to {$2300.00} or so from much higher balance. 
I have now had several years of payments " reversed, '' without explanation, and have been sent a check by company Navient, which appears fraudulent because of typos in the letter attached. 
The check is for {$8000.00} or more, and loan balance has now gone up by this much. 
This is an illogical null concession. 
I anticipate that Navient is attempting to recover debts it has incurred as a result of recent lawsuit activity against it, at my expense, doing so because it is a XXXX XXXX, run by investors whose ulterior motives include purgicide against XXXX intellectuals like myself, who refuse to join white institutions, because they are all raceological obscenities. 
Because of this ulterior motive, I anticipate that I will have trouble depositing the afore-mentioned check, and that I will not be able to thus, transfer the monies back to the student loan account, therefore still having the higher balance left to pay. 

I have attempted to contact Navient several times in writing, by email, to no avail. 
I am due a response and a resolution that does not include excessive exposure to illogical bureaucracy so that Navient and staff can pledge their allegiance to raceological obscenity and XXXX mutiny. 
XXXX.
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX  # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

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: Student loan

I contacted navient to inquire about payment options and try to set up a payment that reflected my income. Navient gave me no options at the time to adjust my payment options and rejected my request for forbearance. Then, all of a sudden, after struggling to pay the minimum amount due and falling further and further behind - Navient randomely sends me an email saying " reply yes to this email '' to opt into forbearance. So of course, thinking there still wasnt an option to adjust the payments based on income, i opt into forbearance. Again and again and again. Just pushing my total higher and higher. Navient purposefully evaded offering me alternative options and subsequently pushed towards forbearance all so they can make more profit. This is unacceptable. When i got my original loans through XXXX i didnt have a choice on loan servicer. Certainly didnt have a choice when they switched things up with Navient. These are forced on students at the federal level with federal funding. As a taxpayer i am outraged that i help fund the very institution that is blatantly taking advantage of me and evading my efforts to successfully pay off my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

A fraudulent account was opening with XXXX using my social security number, name and birthday resulting in a made in my name as well. The account is with Bank of America, I have informed them of the fraud as well as offer proof of the identity theft at hand. Currently the funds inside of the account are showing as an earned income when my name was looked up for social securitys data base. I would like access to the account that I am responsible for. I would like to know where the XXXX dollars deposited into the account under my name went. I worry that the link to this bank account can affect me later in life and would like to know where the money that is said to be from me and tied to my social went. I want the address used to open the account to file charges with the XXXX XXXX police department. Bank of America will not give me access to the account which is hindering my abilities to seek justice against the criminal who stole my identity. After numerous agents at Bank of America confirmed my identity with the XXXX department I was told they will bypass the authorizations and get me in the account, I was hung up on. Again I called back and I spent hours on the phone explained my situation again and again and was denied the information pertaining to the account Im legally responsible for. I was told they have recordings of the calls, I was hung up on and taunted by the representative and supervisor XXXX of whom I believe was names XXXX. Here in California we have rights for victims like me and XXXX of those is to provide documentation pertaining to the fraudulent activities that were committed in my name. I would like my calls listened to by someone higher up in corporate. I would like the ones who mocked me to be held accountable for the customer service they provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm relocating to LA and looking to purchasing a condo. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. This is fraud so I have taken the liberty of reporting it to the police as well and FTC. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX.
Product: Debt collection

Sir / Maam, Good Afternoon. 

Belated XXXX to all. 

I have a terrible post-XXXX day, this is my story. 

I have a checking account with XXXX XXXX XXXX XXXX, NY, debit acct ending in XXXX. 

Upon logging in to my Online account ( XX/XX/XXXX ), to my surprise {$5900.00} of my hard-earned money, saving for rainy days has been put on hold. 

According to XXXX XXXX Legal Department it was put on hold until i pay the amount of {$2900.00} and plus the interest the full amount to XXXX XXXX XXXX XXXX XXXX. 

I was told by XXXX XXXX Legal Dept. to settle this amount and call them, this is the index number XXXX of my case. 

I havent given any information on what financial institution or whom i owed the amount being garnished, it was just the name XXXX something ( not Sure ), and it was in XX/XX/XXXX-XX/XX/XXXX debt. 

It was NOT CLEAR and im confused and frustrated that my honest and hard earned money can go to the Law Firm, just like that. 

Upon searching the internet the Mullooly, Jeffrey, Rooney & Flynn - XXXX XXXX XXXX, XXXX XXXX, NYXXXX- XXXX ( XXXX ) have been good cleaning up peoples bank account through legal maneuvers victimizing small and ignorant of the law like me. 

As i write today, my XXXX XXXX checking account has been on hold with the total amount of XXXX. i just did an external fund transfer and i was denied of acces. 

Cut the story short, im a victim of this XXXX XXXX, i dont recieve any confirmation or any letter of notification, or a formal phone call or any form of notifications from Mullooly, Jeffrey, Rooney & Flynn. 

I need help, i know this is illegal done to me. 

Please help me recover my money, this is all i have in life, this is my emergency fund. 

im employed as a clerk, i dont earn a lot, i dont deserve this, im honest and hardworking person. 

Thank you from the bottom of my heart. 

Respectfuly yours XXXX Attached are the pdfs for your info.
Product: Credit card

I purchased a XXXX watch/fitness tracker from XXXX. It came with a " free '' subscription. 
however, many months later I received an unauthorized charge from Google for {$79.00}. I did not authorize this. I was not asked if I wanted a subscription. they just give you a free one, then start charging for it. 
I tried to cancel it, but they say their terms of service state " no refunds ''. So I am charged for something I never ordered and don't want, and they refuse to make it right and give me a refund. 
DON'T BUY XXXX PRODUCTS!!!
Product: Debt collection

Harrassing phone calls daily, leaving threats that they will procicute for not being able to make my payments on time. I 'm struggling with my finances and payments are higher than disgust. They approved me without properly evaluating my credit reports and refinanced a previous loan at a ridiculous interest rate.
Product: Credit card or prepaid card

Navy Federal Credit Union ( NFCU ) has informed me that I was denied for a loan due to the fact there was a previous credit card charge off that was paid in full. However, I have no knowledge of such a credit card. This credit card dates back to either XXXX or XXXX. Currently, NFCU utilizes XXXX to view customers credit reports. However, there is no report of such an account on my credit report. Also NFCU has this charged-off account listed on my internal NFCU profile XXXX which is utilized to determine me for future loans with the bank. It has been well over XXXX ( XXXX ) years, and this account is still being utilized to determine my eligibility for future loans with the bank. I have also launched a fraud claim with NFCU, as this is an unknown account to me. The account that is associated with NFCU is for a XXXX Rewards Mastercard dating back to either XXXX or XXXX. 

NFCU has informed me personally that they are maintaining this information within my NFCU profile, due to the fact this information is being obtain from XXXX. The issue I am having is that this information within their internal system from an account that is over XXXX XXXX XXXX and is being pulled from XXXX Credit.