23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I applied for a Loan in late XXXX and was informed by my lenders that my XXXX  and XXXX  scores were 100 points lower than XXXX  ( XXXX vs. XXXX ). I have never been delinquent on a debt in my life. I am an XXXX XXXX military member ( since XXXX and still XXXX  ) now XXXX  XXXX. I have disputed the claim with the credit bureaus they simply updated dates and reflected the balance {$0.00}. XXXX originated from XXXX XXXX and was listed as {$130.00} charge, this was quickly updated to $ XXXXThe information remains on my credit report. Reported date was XX/XX/XXXX. I have lived in XXXX since XX/XX/XXXX when I XXXX  'd XXXX  so the dates are impossible to justify. Diversified Consultants ( XXXX XXXX XXXX XXXX, FL XXXX ) is listed as collection agency and has also been contacted and notified this is a faulty collections claim. Reporting agencies continue to show a XXXX  balance but neither Diversified, XXXX  or reporting agencies will delete this faulty collection that is adversely impacting my score and making it so I can not purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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
Product: Credit card or prepaid card

On XX/XX/2021, I formally contacted American Express to close my personal AmEx Gold card ending in XXXX. I received confirmation from the American Express representative that the account was closed and that no further transactions would be processed on the account. As a result, I was under the impression that the account was closed in its entirety. 

Much to my surprise, on XX/XX/2021 I received notification from American Express that there was an outstanding balance of {$560.00} because there was two transactions that AmEx processed AFTER my account was closed, including : 1 ) Transaction # 1 - {$14.00} processed on XX/XX/2021 2 ) Transaction # 2 - {$550.00} processed on XX/XX/2021 In addition to processing these transactions without my authorization, AmEx is threatening to assess interest charges on the unpaid balance even though these transactions took place AFTER I closed the account and the transactions were processed WITHOUT my approval. As a result, I am contacting CFPB to request support, as I believe that I should not be liable for these transactions.
Product: Debt collection

Have received several phone calls from office of XXXX regarding an attempt to collect a debt. Their tactics include calling family members and using threatening and abusive language when speaking to me about matter. I have attempted to resolve matter but have been told I will be sued.
Product: Credit reporting or other personal consumer reports

A charge off is considered a certificate of indebtedness, which means it is income. Income can not be reported to your credit report, it must be removed from my credit report.

The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of information from a system of records absent of the written consent of the subject individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Additionally, with people granted the right to review what was documented with their name, they are also able to find out if the " records have been disclosed '' and are also given the right to make corrections.
Product: Student loan

I applied for a student loan refinance with Commonbond ( commonbond.co ) on XX/XX/2020 in the amount of {$25000.00}. When they did the soft pull on me, I was offered a 5 year variable rate loan for 0.8 % APR. I opted to select that loan option and submitted documents verifying my Id, Income as well as my loan statement from my current financial institution. At this point in time, I also agreed to a hard credit pull given the rate was 0.81 % ( variable ) which was better than the 1.95 % APR loan I have with XXXX XXXX XXXX. 

After I did not hear from the company for a while, I contacted them again at which point in time they told me that the rate has increased to 4.26 %. I have been able to provide proof for the income I had stated in my application as well as any ID documentation they needed. This is purely bait and switch. I would never have accepted a 4.26 % APR to begin with as my current APR on my loan is 1.95 %. These practices are deceptive and in my opinion against UDAAP. Now, not only do I not have the lower rate, there is also a hard credit pull on my bureau which I would never have had if CommonBond had fairly disclosed their rates after the soft credit pull. I have screenshots to prove the rate offered to me. 

Very disappointed in the unfair and deceptive practices that CommonBond is following, and at the same time this is classic bait and switch. I hope you take actions against this company. 

Thanks!
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 : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 CREDIT BUREAU 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: Credit reporting, credit repair services, or other personal consumer reports

This dealership XXXX XXXX ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase on XX/XX/2023, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than 2 hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be 2 inquiries from XXXX XXXX XXXX and it will NEVER be more than 2 inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw 7 inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only two inquiries and I then told him that I can very CLEARLY see 7 inquiries on my credit ( from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Santander, XXXX XXXX XXXX ) and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his manager XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit. After that, their sales manager XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX  days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional  distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Checking or savings account

The Condo association I manage has a bank account with Valley National Bank. I am listed as sole signatory on account. My name is XXXX XXXX 
On XX/XX/2019 a fraudulent check was written in the amount of {$5500.00} to someone named XXXX XXXX and SIGNED by XXXX XXXX and the check was never flagged nor was I notified. I only realized there was fraud by looking at the generated paper account statement and by that point in time weeks had passed. 
By the time I notified the bank I was told the 30 day allowance to recover fraud monies had expired and they were not bound to cover the loss to the account. 
I believe there should be some culpability by Valley National Bank for allowing a check to be cashed by an individual whose name and signature was NOT listed on the account. And for not notifying me of said activity.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft due to a data breach. Fraudulent accounts and unauthorized inquiries have been added to my credit file without my consent. 
Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account and inquiries be blocked and permanently deleted from my credit file : Account to be Blocked and Deleted : XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have a loan for a used vehicle with XXXX XXXX. I pay my loan every month, but the bank does not report my payments to the credit bureau on time. I am currently checking and it appears on my report that the last payment was in XXXX. Today, XX/XX/year>, I have paid the months of XXXX and XXXX and it does not appear reflected in my credit. I have had the same problem in previous months.
Product: Debt collection

A credit card was opened up fraudulently in my name through Ashley Furniture. Their partner bank that services the cards is Synchrony Bank. On XX/XX/2023 I became aware of the identity theft as XXXX XXXX XXXX had sent me a letter trying to collect a debt owed to Synchrony Bank. From there I took all the required steps to report Identity Theft but to this day I can not get ahold of Ashley Furniture to close it through them. Synchrony Bank Solutions reviewed my claim and found the Ashley Furniture account was not opened by me. As a result they were suppposed to shut down the account and clear myself of all responsibility on XX/XX/. On XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX attempting to collect the same debt from Ashley Furniture for their client XXXX XXXX XXXX, XXXX. I explained to them that this was already declared fraudulent activity and I was cleared of all responsibility but they informed me that their client purchased this debt and hired them to collect it. They would not allow me to report it as Fraud and instead gave me a payment option. On XXXX I received a letter in the mail from XXXX XXXX informing me that they are also a partner bank to Ashley Furniture and that I need to file a declaration of fraudulent activity with them as well. XXXX XXXX  allowed me to submit the required documentation to start my fraudulent claim.
Product: Credit card or prepaid card

I have received letters from credit card companies, XXXX XXXX XXXX approved and then they applied for Discover cards.
Product: Student loan

I had a loan with XXXX XXXX, that was paid off by XXXX -- a Company that helps with student loan debt. Persels closed their operation. A year later, I received a letter from Navient Credit Solutions stating that I owed a balance and interest had accrued for the past 18 months. 

I attempted weekly to obtain verification of the debt and have never received it. I even offered to pay the minimum balance to bring the account out of default while I disputed the debt. 

My Credit Report is clean, yet they still maintain I have and owe the debt.
Product: Credit card or prepaid card

I didnt receive my Avant credit card until the end of XXXX. That is when the card was first activated. On XX/XX/XXXX I logged into my Avant account and there was no balance due, no statement and no pending transactions. The very next day on XX/XX/XXXX I log in my account it shows I am over my limit on my credit card, no pending transactions, and no statement available. I called the customer service line and I was informed my statement would be available in 2-3 business days. To much of my surprise I am trying to get someone to identify how my account was over the limit with no pending transactions showing or transaction history showing for the statement period ending on XX/XX/XXXX. This is the first time my card has reported to the credit bureaus and it dropped my score 20pts with a utilization of 111 % this has adversely affected my credit due to shady reporting tactics of Avant credit card company. I was finally able to identify why my card was pushed over the limit from an Annual fee of {$39.00} that was posted on the same day of the statement ending date. I dont have a problem with the annual fee however, shouldnt a consumer be notified ahead of time like other major credit card companies on this billing cycle we will be adding your annual fee? 

This is not a good experience starting out with Avant I have paid the overlimit fee down. However, I dont like that I couldnt see my transactions to identify all charges for the statement period were correct per the Fair Credit billing act I should have access to these charges at all times. 

I am uploading pictures of my account from XX/XX/XXXX with no transaction history or statement. 

I was told I would have to wait 14 days before I am provided some sort of an update from a resolution team and this is not acceptable
Product: Student loan

Im a class action member of XXXXet vs CXXXX where my federal loans were forgiven from Borrowers defense. The loans were forgiven based upon the amount of evidence against the XXXX XXXX  XXXX practices, documented complaints, history of fraud and sales tactics. Due to this, my Navient Private Loans from XXXX should be forgiven as well. 

Navient has also violated many collection practices such as threats, intimidation, calling family members, my family members places of work. They have yelled at me ( made me cry years ago ). They have put me in forbearance many times without explaining the scope of what they were doing. They made income based repayments very difficult, and nearly impossible. Ive been given incorrect information. Theyve called my family members and yelled at them, intimidated and harassed in places of work. Ive been paying on my loans since 2012 and due to the terms, have barely made any progress on repayment. Their practices have been very deceptive and illegal. 

Combine that with the fraud of the XXXX XXXX XXXX and Navients criminal history of FCC and CFPB violations my private loans should be discharged and refunded. Theyve made it also impossible to remove a co-signer
Product: Checking or savings account

I reported these Transactions last month but I was told the boarding pass had my name on it which is not true. These transactions were not authorized. I have not been able to get any help and when I call the call center, the agents are very rude. Im not understand why i cant talk to anyone in the dispute department. This bank is too big not to be able to talk to anyone in the dispute department. 

XX/XX/XXXX XXXX XXXX Debit Card Purchase XXXX XXXX XXXX XXXX XXXX XXXX Debit Card Purchase XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Debit Card Purchase XXXX ____________________________________________________________________ XXXX XXXX XXXX I have disputed this transaction after fighting with the hotel to refund me my money for a hotel stay that i did not stay at. The room was nasty & dirty and I canceled my stay at the hotel and I was told I wouldn't be charged for this and I was still charged. Well I have provided the bank with all the info that was needed and still I was denied a refund and no one can tell me why.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the immediate update or removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX
Product: Mortgage

I have been going back and forth with XXXX XXXX XXXX  XXXX about two late payments that are showing on my credit report from XX/XX/2017 and XX/XX/2017. I Have never been late with my payments and when i spoke with them they claim their system was down and didn't process my payments on time but they refuse to correct the error that was caused by them not me. This has hurt my credit scores in a big way and i need this taken care of immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, I am writing because TransUnion credit bureau, refusing to delete fraudulent items from my credit file. I have written them several times via certified letters, however I dont get a response in the allotted time, or TransUnion would tell me they cant verify my identity though I attached my state Drivers license and a copy of my social security card. Or XXXX will send a response accusing of me using a credit repair company, which is certainly not true.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light to the recent CPFB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not neglected to protect consumers but has also allowed repeat offenders to exploit the system, but leaving users vulnerable to scams. This lack of accountability and transparency raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Experian sent an email on XX/XX/2024 stating they will not investigate my disputes claiming I did not mail them. I have mailed in several forms of proof of my identification and ask you enforce experian to process these disputes in a timely manner. These letters were sent by XXXX XXXX XXXX. I am writing in response to Experian stall letter /email ( see attachement ) that states these documents/disputes were not sent by XXXX XXXX XXXX XXXX These dispute letters are in fact being sent by XXXX XXXX XXXX. I have submitted my identity documents again. Failure to investigate these disputes will initiate litigation to proceed. I am requesting you proceed to investigate these accounts immediately as required by law. Please accept this letter as my formal written request for the following items on my credit report to be investigated.