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

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION and UNAUTHORIZED INQUIRIES : XXXX : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX Date of Inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

TRANSUNION : 1. The inquiry was not authorized XXXX XXXX Date of Inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

This company, Consumer Collection Management- acct # XXXX is showing an delinquent account as of XX/XX/XXXX for {$2000.00}. I never received any mail notice regarding this debt nor have I done any business with this company. I have requested that the credit bureaus investigate this, via electronic disputesXX/XX/XXXX, XX/XX/XXXX and via a credit repair agency as of XX/XX/XXXXand XX/XX/XXXX. As of this date, the bureaus have refused to investigate this account or they state that it was an error with my request. In addition, whenever I request or attempt to have the account investigated, the company keeps changing how their name appears on my credit report.
Product: Debt collection

VALIDATION AND CEASE AND DESIST National Credit Adjusters , L.L.C XXXX XXXX XXXX XXXX XXXX KS XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear National Credit Adjusters , L.L.C I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Prepaid card

I tried to use my U.S. Bank National Association Gift Card ( debit Visa ) on XXXX on XX/XX/XXXX and XX/XX/XXXX ; however it did not process. So I tried again on XX/XX/XXXX to use the card on XXXX but still same issue. So I called the number on the back of the card to officially register it, assign a pin and add my contact info and address. I went back to XXXX to try and use and still several failed attempts. I went online to their site to double check that my info was correct and it was. I called the number again on XX/XX/XXXX and spoke to someone in customer service who advised that I clear my browser and not save the card. I cleared my browser went back on XXXX and still same thing. Even tried on my phone and still same thing. This is not a usable card. A friend spent their hard earned money to gift me a card for my birthday and now their money has gone to waste with the only benefit going to the company.
Product: Credit reporting 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  Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

NO information given. Accounts unknown. It's been 3-4 months and no sign of investigation. Accounts violate multiple laws including 15 USC Law 1692 ( e ) ( f ) ( g ) and 1681 ( a ). I was never notified of these debts and never authorized or given permission to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX al, XXXX Creditor. Experian Address XXXX, XXXX, TX XXXX Recently i looked at a copy of my credit report and noticed several inaccurate accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in intrest every year.it is my understanding that im entitled to a proper investigation of these items to insure accuracy. 


Here are the items im asking to be verify as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX  After your investigation is complete please send me the results via email. 

Thanks in advance, XXXX XXXX XXXX regards
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is reporting incorrect late payments from multiple federal loans I have with them going back to 2016.
Product: Checking or savings account

BMO Harris is using unfair if not illegal practices concerning depositing of cash funds and and backdating checks to create overdrafts. 
On XX/XX/2019 I went to my account online to find it was overdrawn $ XXXX.xx at XXXX XXXX. At that very moment I transferred {$700.00} from a savings account into that checking account. 
Looking at the account the next day ( XX/XX/XXXX ) showed a XXXX OD fee ( yes, I agree ) PLUS 2 more checks posted against the account on XX/XX/XXXX creating 2 more OD fees of {$72.00}! 
Clearly the two additional checks ( XXXX, XXXX ) were received by the bank on XX/XX/XXXX and then backdated to the XXXX. They WERE NOT in the account as of XX/XX/XXXX. I saw that figure online. 
Furthermore, the bank inexplicably puts my cash transfer deposit on a " PENDING ''  status from the XXXX to the end of day on the XXXX! This itself is also wrong. 
The bank is manipulating all transactions to skew them against the customer and this should be illegal. 
I called them two times, once on the XXXX and again today. A customer service supervisor named XXXX at their XXXX XXXX center offered to refund 1 OD fee and not both of them. When confronted with details of their shenanigans she becomes very evasive and towed the company line of " we feel a customer needs to have full funds in the account as soon as they write a check. '' This is absurd, Full funds must be in the account when a check is presented to the bank for cashing. 
Another fishy bit about this is customer service on the XXXX confirmed the time of deposit was XXXX XXXX and that agrees with my memory. I knew it was past XXXX XXXX, BMO 's cutoff time for entries that day. 
Today, XXXX tried to tell me the transaction time was XXXX XXXX on the XXXX! Which actually supports my case. When questioned about thisd ridiculous statement she huffs and says she has " no time to go into minute by minute details ''. I point out that we are not talking about minutes here but DAYS!! And that is not important to her when it comes to being caught in a deception. 
In a nutshell, BMO has a strategic plan to defraud customers of fees by purposely manipulating dates a check debits ( posts ) and then holds deposits as " PENDING '' with no valid explanation, so on paper, it appears everything is smooth and legit. The blue " PENDING '' banner disappears when they finally credit the account, never to be seen again by an outside auditor or online in my account. 
Nail these thieving XXXX will you?
Product: Credit card or prepaid card

Covid 19 hit in XX/XX/XXXX forced me to buy things i dont normally buy or stock up, uaed Sears citi to payoff other cards due to their 0 % interest but covid 19, home damage thats costing me ect so on when thte XXXX hits ill not be able to make it tried to get them to lower their interest to 8 % for 7 years so i could pay it off THEY STRICTLY said cant do it and referred me to credit coulseling and when i applied for bankrupcy let them no. I tried to do right in heading this off before it ever got to a point i dont want to do but after 2 times trying they said no. As i can see it they think that as long as i can make the payments at 25.24 % they will leave it alone I think this is wrong when other credit cards understood and helped. Sears Citi Mastercard since XXXX .... will not help you..Hopeing you can
Product: Payday loan, title loan, or personal loan

I first applied online and it said I was approved but had to come in to the store for verification documents so I go to rabbit cash number XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX on XX/XX/2020 providing them with extra documentation requested from the manager they told me she had to wait for another manager to get the approval to disperse funds where XXXX I had already came into the facility with documentation and identity verification however the man Standing to the right of me left with the loan he applied for and didnt even have an ID card. I was there for over two hours and left with no loan she was Disrespectful rude making fun of my clothes and laughing at the fact I was there for over two hours and last but not least she was XXXX
Product: Debt collection

Debt Collector : My understanding is that you are attempting to collect a debt from me that I do not recall owing. In good faith, I called XXXX to terminate my service with them. I was told that my account would be terminated at the end of the present billing cycle. I also was told to return their equipment in boxes that they would send to me. After receiving the boxes, all of their equipment was package and hand- delivered to the Mail Bag Shipping and Mailing Center ( XXXX XXXX XXXX AL ) as directed by XXXX XXXX I paid my balance via credit card ( as usual ) to XXXX. A follow-up phone call was made about three weeks later to ensure that all equipment was received and that my bill had been paid-in-full. I was told yes to both inquiries. I asked them to send someone to remove their satellite dish from my property. Their reply was that they did not want it back. Now, after almost 1 year later, I get this debt collection letter from your company, requesting payment. 

On XX/XX/2020 I sent you a certified letter requesting that you provide me with information that will validate a debt to XXXX that you said that I owed. I received a reply letter from you on XX/XX/2020 ( dated XXXX ), asking me to settle a debt ( for 75 % of the current balance if you receive payment on or before XXXX ). 
You, however, failed to address my request for documentation to validate that the said debt belonged to me per my written correspondence ( letter ) sent to you on XX/XX/2020. 
I believe that your actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ), Section 1692 ( g ) subsections 809 ( a ) ( 4 ) and ( a ) ( 5 ) ; and subsection 809 ( b ), and are not done in good faith. Secondly, derogatory statements that were placed on my credit reports by your company have not ( to this date ) been removed. Your actions appear to be done with unclean hands.

Based on my prior letter to you ( XX/XX/2020 ) I informed you that I do not recall owing the said debt to XXXX. Please note : This is my Second Attempt to obtain validation of this debt that you are telling me that I owe to XXXX.
Product: Mortgage

I applied for a Home Equity loan from Discover Bank. They took 2 months to process my request and refused to do an actual appraisal on my home, thereby lowering the amount of the loan, raising the LTV, and raising the APR since their rate is based on LTV and loan amount. I was forced to go to another lender to get an accurate appraisal so that my loan application was processed correctly. The other lender appraised my home for {$55000.00} more than Discover who refused to use anything but county records to determine the appraised value. This difference allowed me to obtain the full amount of the requested loan that I asked for at less than XXXX % LTV where discover reduced the amount available to me and said I was at a XXXX % LTV even with the lowered loan amount. I want the loan inquiry removed from my and my husbands credit since they refused to acquire accurate information to process my application and this additional inquiry is dropping my FICO scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX have been reporting inaccurate information regarding a Bankruptcy on my credit report. When I contact the agencies regarding this issue they keep responding with " verified '' by XXXX and Bankruptcy Courts. I contacted XXXX and the Bankruptcy courts and they reported that they did not verify any information in which I have the letters to prove it. I also sent the letters to all credit bureaus and they keep stating that it was verified by these agencies even with the proof in front of them. I want this information deleted from my credit report because it does not comply with FCRA 611 to report inaccurate information. I have attached the documentation from all agencies so you can see that they are giving false information as to how they are verifying the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed a public record on my credit report. Experian said they investigated and the results were provided and confirmed by XXXX. The first issue is XXXX should investigated the account themselves as stated by the federal law. I initiated a request from XXXX and they say they don't even have a file on my name or information. This public record should be deleted immediately from my credit report as it is incorrect and false.
Product: Debt collection

Vengroff Williams kept on sending me collection letter which I've already paid for.
Product: Credit reporting or other personal consumer reports

Under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e XXXX, Transunion, and XXXX, as allowed by law. In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. As a diligent consumer, I am concerned about the privacy and security of my personal information. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.
Product: Mortgage

I don't understand JP Morgan Chase i have filled this complaint out before before i like some answers to my loan. My escrow shortage, when i got the paper it showed a shortage from XXXX, and XXXX each year i paid insurance and taxes out Escrow ever year is different and if the shortage you pay it. And it starts new year of Escrow. How did JP Morgan CHASE come up with the shortage Escrow Impound Shortage : Escrow Credit : {$230.00} $ - XXXX then go to Escrow Impound Shortage : Escrow Credit : {$750.00}? when i paid in {$2400.00} in XXXX. and like to no where the corporate advance Fee ; s was paid to and who and why they was never applied to my loan but to Corporate Fee 's. over XXXX dollars and monthly payment was XXXX. When i ask about my loan from XXXX loan modification they XX/XX/XXXX PRINCIPAL AND INTEREST ADJUSTMENT Principal {$17000.00} {$17000.00} that was from XXXX and at XXXX a month would not come that amount XXXX but they payments made in XXXX. The amount is wrong .Why did JP Morgan take loan out of XXXX that added my loan to XXXX just when they was selling my loan. I want refund of Fee ; s and proof why i never got letter stating they was using my payments for Fee ; s not my home. I don't won't excuses or run around like i have been getting. loan number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I requested my credit file from my annual report, I was unable to get my Equifax information. I proceeded to the Equifax website, I attempted to sign up for Equifax monitoring where I can view my report and monitor my score. After completing the sign up, A message stated unable to view please call. I called the number provided. I was transfer to 2 departments that was unable to find a reason I cant view my report and score, Over 10 minutes on the phone, the associates was very nice I must say. I answered all the security question correctly still no resolution. I'm in the process of purchasing a new home, my score on Equifax is the lowest of the 3.Equifax is not a choice of mine! We need them to work on the consumer behalf this is affecting people lives!!
Product: Student loan

I have been trying to get a refund from Aidvanatage for the last several months. I made the refund application the first day and was told 4-6 weeks, which was for the amount of $ XXXX. We are well past this mark now and I have reached out every week asking about the status of my refund, whether it is approved, and how much time is left till I should see it back on the student aid website. Every time I call I see to get different answers on how to proceed or if I should see it by X date. I feel like no one knows over there and they are just saying things to get me off the phone. I now call every week to see if I get someone competent answers and is able to help me. It shouldn't be this hard to check the status of the refund, seeing the status on my account or a simple email update telling me they actually did it and did it right would help more than they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry that is reporting on my Experian credit report from XXXX XXXX XXXX placed on XX/XX/XXXX2017. I do not recall applying for a XXXX XXXX XXXX and I did not authorize XXXX XXXX XXXX to obtain a copy of my credit report. I have asked Experian to place a block on the inquiry because it is fraudulent. They asked me for documents and I have sent them everything that they have requested. The inquiry is still remaining on my credit report and I do not know what to do. It is fraud.
Product: Consumer Loan

I secured a loan from Synchrony Bank on XXXX/XXXX/2015 for $ XXXXXXXXI repaid the loan in full on XXXX/XXXX/2015By mistake I paid again on XXXX/XXXX/2015I reported this overpayment of {$23000.00} on XXXX/XXXX/2015 and asked for my money backThey said they would send it within 5-15 daysThey never sent it. I 've called several times to request the money, most recently today. 
Now they are telling me I have to wait 5-15 days again!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  these accounts XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX has all 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 an 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 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 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 have made several additional payments to Navient on my student loan. I elected to have these payments applied to the loan principle. I noticed that on at least XXXX occasions these payments were applied entirely, or partially, to interest. When I contacted Navient they told me this was done because the loan was past due, which was not true. It clearly states on the payment history that there were not late payments, as my minimum payment is automatically drafted out of my checking account each month. I pointed out that I could see at least XXXX consecutive payments prior to XXXX such occurrence of the payment being misapplied. After I was lied to by the representative, I requested to speak with a supervisor. The representative originally denied my request, but eventually connected me to a supervisor who informed me that she was unable to even see the additional payments on her system. The supervisor identified herself as XXXX # XXXX on XXXX/XXXX/15. I took screenshots and emailed them to her, and she acknowledged receipt of the images and stated that she would look into these payments and follow up with me when it was resolved.
Product: Credit card or prepaid card

I purchased this card and I kept on having issues using the card. Turns out that someone used my funds and registered the card under their own name.
Product: Debt collection

Company had contacted me several times from multiple phone numbers and continues to call me after blocking those numbers and asking the company to cease telephone calls. Balance has been disputed several times with all credit bureaus due to inability to provide verification of debt, as well as an itemized breakdown of charges. The collection has been removed from XXXX, but not XXXX  or XXXX.
Product: Debt collection

I have been called XXXX  times by citi bank since XXXX XX/XX/2025. This violates the XXXX XXXX XXXX rule. not only that but ive requested proof of the debt on XX/XX/2025 and never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been stolen and used to open several accounts and services in my name without my permission or knowledge. I have allowed the collection companies a timely amount of time and the issue as not been resolved, and i would like for these accounts to be removed immediately.
Product: Credit reporting or other personal consumer reports

Ive never received my credit reports, but it looks like I have unauthorized stuff on my credit my address is XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX my Social Security XXXX XXXX. My date of birth is XX/XX/year>.