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

the consumer reporting agencies ; XXXX, Transunion and XXXX have responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting Per 15 usc 1681e ( b ) they have failed in doing so. XXXX, Transunion and XXXX Is violating the FCRA and have failed to delete this inaccurate information from my credit file, i've disputed and requested for XXXX, Transunion and XXXX to verify the collection account information XXXX XXXX XXXX they are reporting on my credit report and they have failed to do so. It has been over 45 days for XXXX, Transunion and XXXX to conduct a proper investigate of the disputed information. by law if a investigation has come and the information being disputed can not be verified, it must be deleted.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following accounts and inquiries were fraudulently added to my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request your prompt action to remove this information : Fraudulent 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
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern The late payments status on my credit report are invalid and inaccurate. I have requested credit reports agency. Credit Bureau fail to verify inaccuracies.I have not received supporting verification of documents of being late on account This a violation of 15 usc 1666 b Please delete the inaccuracies. 

XXXX XXXX XXXX  date XX/XX/22 XXXX XXXX XXXX Date XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and told them that this is a FRAUD account and needs to be delete from my credit report. I have not received anything from this company or give them permission to access my credit report. There are inquries that I didn't give permission to have reviewed my credit either for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Please delete this FRAUD information.
Product: Student loan

When I had first graduated and explored my repayment options I was never properly counseled on what may lie ahead of me. I felt like I was guided toward the most common repayment plan without disclosing the costs and benefits. After graduating from XXXX school, without a job in my field, and unable to make my monthly payments XXXX I was counseled to defer my repayment plan. I was never advised to make smaller monthly payments or offered alternatives. My interest rates were never discussed nor were the way my repayment would be applied. After graduating XXXX, taking a year off, then we applying to graduate school and enrolling I had to defer my student loan payments. During the time I did this and called to discuss my student loan options they simply stated I should go inter Department. The loan counselor never explained that my interest rates would continue to grow and I would accrue interest over there as I was in XXXX school as well. I have previously tried to call and calculate a better repayment plan and feel I was never given a direct answer.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am sending you the facts of my Consumer Financial Protection Agency complaint against your company, in the hopes that you may use the information to conduct your business in a less predatory / more honest way. 
In 2015 your insurance was added to my account without my knowledge or authorization, resulting in monthly charges of XXXX, totally {$350.00} at present. 
My husband, who is authorized to discuss my mortgage account but not make changes to it, attempted to make a claim, describing to your agent a sewer line problem in our house. After several weeks, your company was able to dispatch a plumber to our house who said the problem could not be addressed because the pipes were not " accessible '', but still charged us {$85.00} for the visit. 
My complaints are : 1 ) The insurance was added to my account without my request 2 ) When service was requested, it took 3 weeks to get a response 3 ) When response was made, a plumber was sent even though the condition was falls within the very broad and very subjective exclusions in your policy regarding " inaccessibility '' of pipes, etc. As if the representative was aware that the issue was not covered, they listed the problem as a water line problem when it was clearly stated twice to be a sewer issue. 
I request : 1 ) Immediately stop charging my Ditech account for the property at XXXX XXXX, VA XXXX 2 ) Refund of {$350.00} I was improperly charged for nearly fictitious insurance, which in any event was not available in a timely manner when it was requested 3 ) Refund of {$85.00} we paid as a result of the incorrect and deliberate dispatch of plumber for issues that were obviously not covered Were you ( or an external regulator ) to impose transparency and integrity on your practices, attention should be paid 1 ) how customers are signed up ( a signature or voice recording would be advisable ) ; 2 ) how exclusions are disclosed upon sign-up and upon service requests.
Product: Credit reporting or other personal consumer reports

I was told to send a dispute request XXXX by a XXXX rep. BELOW IS A COPY HI, my former account is XXXX. 
I request an expedited dispute against the XXXX past XXXX loan accounts that were transferred XXXX to XXXX XXXX . These accounts are still showing up open on my Experian credit report & XXXX account for ( XXXX XXXX ) is still reporting open on XXXX . The other XXXX accounts have been removed on XXXX & all XXXX Accounts have been removed completely from the XXXX report. 
I have been disputing these error for XXXX months & the bureaus are making it very difficult because when they send a dispute to XXXX to verify if these accounts are accurate, at the time of XX/XX/XXXX, XXXX credit department keeps saying YES they were accurate at that time, though they are not opened & I have a XXXX balance with XXXX & this allows the account to stay on my reports. I have requested several times to Experian & XXXX to please ask XXXX if the loans were transferred to XXXX XXXX & are no longer opened & they seem to refuse to dispute correctly & investigate. I have submitted to Experian & XXXX the transfer letter & the recent letter I received from XXXX XXXX & they still won't remove the old loans. Both Experian & XXXX are violating my rights & it's against the law to report inaccurate information on your credit reports. Experian stated they need a letter directly from XXXX stating the loans were transferred & no longer opened & I no longer have a balance with XXXX. The last rep. I Spoke with XXXX ( XXXX ) informed me that they reported the loans transferred to XXXX XXXX  XX/XX/XXXX & no longer opened. 
Experian & XXXX act like they never received that info. I'm requesting XXXX to report to Experian & XXXX these accounts were transferred & are NOT opened & for XXXX  to include a letter of transfer stating the loans are with XXXX XXXX now & not opened & I have no balance with XXXX any more & please remove these accounts. 
I have included a copy of my credit reports from Experian & XXXX, showing the XXXX accounts are currently still reporting open to these credit Bureaus. I also included the letters XXXX provided me about the transfer etc. 
I appreciate your help tremendously, in getting this matter finally resolved quickly, it is slowing me down from getting the best deal on buying my 1st home & other future endeavors of using my credit.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed an inaccurate collection on an account that never had a signed agreement. Consumer Reporting Agencies have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have not entered any agreement to pay the agency ( XXXX  ) : ( XXXX  ) Please investigate and provide signed Proof with statements stating im obligated to pay this agency.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  -Date of inquiry : XX/XX/XXXX XXXX -Date of inquiry : XX/XX/XXXX XXXX -Date of inquiry : XX/XX/XXXX
Product: Debt collection

I received a letter from XXXX XXXX XXXX on XX/XX/year> stating I owed XXXX When I went to the website to pay the debt before the 30 days were up the amount jumped to XXXX. I called them and the lady that anwered the phone said she could not help, and no matter what I do nobody can remove the extra {$57.00} from the debt. I pointed out to her that I received the letter on the XXXX of XXXX, and it had not yet been 30 days, but she didn't care. I paid the original amount on the letter. I have receipt of that and can prove reception of the letter on the XXXX of XXXX.
Product: Student loan

Initially I saw an additional XXXX in student loan debt reporting on my credit report by a parent company whom acquired the loans several years back. When I first inquired about information to consolidate the loans the loans were reporting XXXX owed in total on XXXX, when on my credit report it stated XXXX. I requested more information to open a investigation into the loans by this company since they were not reporting the XXXX additional loans totaling the XXXX in addition which was not being reported to XXXX. The remaining loans that total XXXX I know to be true and valid, however the additional XXXX loans totaling XXXX I challenged the validity of them via the company 's dispute portal. I believed the loans to be potentially duplicates of when these accounts were initially acquired back in XXXX etc. I have since submitted my documentations supporting the facts stated and requested in full including but not limited to, all supporting facts and documents providing the validity of debt. They have since not providing anything besides a XXXX page document providing the signature of a unknown loan because they blacked the loan number references out when they sent the document over. They have replied stating they believe the loans to be true and accurate yet have not submitted the requested information to prove the validity of debt.
Product: Credit reporting or other personal consumer reports

I asked the consumer reporting agency & creditors to remove the inaccurate information on my consumer reports they told me they can not remove anything it was against their policy to remove items from my consumer reports. I ask for proof of permission that I gave to report such items and never received anything.
Product: Vehicle loan or lease

On XX/XX/scrub>, 2024, application was submitted to Capital One XXXX, on my behalf, by XXXX FL, for an auto loan in the amount of {$52000.00}, as consideration and for my benefit, yet I have been unlawfully denied credit, which, according to the United States, I have an inalienable right to. I have full capacity to contract and anything else, prohibiting me from such freedom is constituted as unlawful discrimination, as I reserve my right under the Federal Equal Credit Opportunity Act and in good faith, exercise my rights under The Consumer Credit Protection Act. 
I am being directly effected by this violation of the Federal Reserve Act that states that XXXX XXXX notes, to be issued at the discretion of the XXXX XXXX XXXX XXXX XXXX Federal Reserve XXXX, for the purpose of making advances to XXXX XXXX XXXX, through the Federal reserve XXXX, as hereinafter set forth and for no other purpose, are hereby AUTHORIZED. Such application shall be accompanied with a tender, to the local Federal Reserve XXXX  of collateral, in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. MENTALLY, this is taking a toll on my XXXX. I am also being limited to working, due to lack of transportation. My right to choose is being impeded upon and damages are occurring due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies. I was victim of Identity Theft, somebody stole my personal information to open credit cards.
Product: Credit card or prepaid card

I have a Citi Costco Visa card for several years. My family pays for our expenses with the Citi Costco card and we pay the full amount due on the due date which is the XXXX. day of each month. While I always check for charges on my card I had no reasons to check for late fees and interest charges because I pay in full on the due date. 
However it turns out they have been charging me for late fees and interest for several months now, when I called to inquire I was told that I make my full payment after the XXXX XXXX Standard time, therefore I get charged for late fees and interests. I live in XXXX, I make money, in XXXX, I spent money in XXXX  and I make payments in XXXX  but I if pay this account in full after XXXX in XXXX  XXXX I'm late and need to pay more. Citi bank has brunches in XXXX  and is not and online bank and must extend the courtesy to XXXX to pay their bills by XXXX  times but apparently that is not the case. I called and was able to get some refund for them but not the full amount which I feel like I'm entitled to. Below please see the dates and charges : XX/XX/XXXX, full payment was made but was recorded on XX/XX/XXXX, {$29.00} late fee and {$92.00} interest was charged on XX/XX/XXXX. 
On XX/XX/XXXX, full amount was paid, no XX/XX/XXXX, {$60.00} interest was charge, no late fee this time. 
On XX/XX/XXXX, full payment was made, on XX/XX/XXXX, {$110.00} interest was charged no pay fees. 
On XX/XX/XXXX, full payment was made and was recorded but XX/XX/XXXX, {$95.00} interested was charged. 
On XX/XX/XXXX, full payment was made, it was record on XX/XX/XXXX, and interest of {$110.00} was charged on XX/XX/XXXX with a late fee of {$40.00}. 
On XX/XX/XXXX, full payment was made but the interest charge for {$95.00} was charged on XX/XX/XXXX. 
So far in XXXX they have charged me {$69.00} for late fee and {$560.00} interest. 
I called and spoke to their customer service on XX/XX/XXXX and was able to get {$40.00} refund for late fee charged on XX/XX/XXXX and {$200.00} for interest charges. 
I'm making the complaint because I think I'm entitled to a full refund for late fee of {$29.00} and the remaining {$350.00} interest they charged. Please help.
Product: Credit card or prepaid card

The XXXX Visa Card has been promoting XXXX Rewards points for every dollar spent in the following categories since XXXX : Gas, Groceries, and Dining Out. This is in addition to always receiving XXXX Rewards points for every dollar spent in their own Stores all the time. Since XXXX I have been receiving the bonus/promotional points in the Gas, Groceries, & Dining out categories correctly until in early XXXX I noticed a problem with the Points calculations. On the XXXX statement generated XX/XX/13 I should have earned XXXX points, however, the statement only shows XXXX points earned. I called Card Holder CS and was told this takes 1 - 2 billing cycles to calculate and this is incorrect/untrue as this had been working correctly since XXXX without any issues up until XXXX. I escalated to a Supervisor who agreed there was a problem and told me she submitted a ticket for this to be reviewed and re-calculated. A few days later I received an email with an amount of {$10.00} versus {$5.00} for the Reward issued on my XXXX statement. This is still not calculated correctly. I also took the time to review my XXXX statement and points and I was also shorted on that one. On the XXXX statement I was shorted XXXX points = {$5.00} and on the XXXX statement I was shorted XXXX points = {$30.00}. And my points are still not calculating correctly now. I do not feel I should have to wait 1 - 2 more billing cycles for this to be corrected. I have been a loyal XXXX customer for over 5 years and I have had this card for a year and a half without any problems until now. I am attaching the XXXX and XXXX statements as well as a detailed listing of all transactions and points calculated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Dear TransUnion, This letter is to inform you that you are reporting inaccurate information on my consumer credit report which is not my info. The inaccurate reports are affecting my ability to obtain credit accounts. I will list below all of the inaccurate information. According to 15 U.S Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit-reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. According to 15 US Code 6802 a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 


Inaccurate Info XXXX XXXX {$300.00} XXXX Closed Account ( Opened XX/XX/XXXX Closed XX/XX/XXXX ) XXXX XXXXXXXX XXXX {$1000.00} XXXX ( Opened XX/XX/XXXX Closed XX/XX/XXXX ) XXXX XXXXXXXX {$300.00} XXXX ( Opened XX/XX/XXXX Closed XX/XX/XXXX ) Hard Inquiry XXXX XXXX XXXX XXXX Hard Inquiry XXXX XXXX XXXX  XXXX XXXX Hard Inquiry XXXX XXXX XXXX XX/XX/XXXX Pursuant to FCRA section 607 ( b ), a consumer reporting agency must maintain procedures to avoid reporting information with obvious logical inconsistencies. The FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees. [ 37 ] Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees. 
Sincerely yours, XXXX XXXX
Product: Credit card or prepaid card

Enclosed you will a complaint against Chase Freedom card who closed my account without notice during this pandemic. I am a XXXX XXXX veteran. 

I reported to XXXX XXXX on XX/XX/XXXX to attend basic combat training at the United States XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. After completing the nine-week basic training course, I was transferred to the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX. I graduated from the XXXX XXXX XXXX XXXX in XXXX of XXXX and then completed XXXX XXXX at XXXX XXXX, XXXX. 

Amazingly, I XXXX twice in XXXX years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX   XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and XXXX XXXX for the XXXX XXXX and the XXXX XXXX. 

For the last two year, I have worked in XXXX with XXXX with XXXX. Last I saw physically was I have a credit due to me in the amount of about XXXX dollars on this account. Will you tolerate them closing my account during this time period. I recall using this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX Agencies are reporting an inaccurate bankruptcy on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint is concerning wrong address, Never own XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX XXXX LAST REPORTED XX/XX/2018 According to Equifax
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL XXXX AUTO FIN XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPROVE LEND XXXX XXXX CO XXXX CRB/UPSTART XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I was directed to XXXX XXXX  XXXX XXXX, XXXX of Prime Lending as the sole source lender of XXXX XXXX XXXX XXXX I was told that Prime Lending was the only Lender I could use building with XXXX XXXX XXXX whom I contracted on XX/XX/XXXX to build my house at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. I entered an FHA refinance loan on XX/XX/XXXX to build my house under the assertion that my interest rate was to be 2.99 %. On XX/XX/XXXX when asked " when does the rate lock '' XXXX XXXX said in an email " Rates are not moving much so we wont lock until about 60 days from when the house will be completed. To lock now you would need a long term lock which costs money. '' XXXX did not reach out to me again until XX/XX/XXXX at which time rates had already increased drastically. He then advised me that we needed to lock the loan asap. I was understandably dismayed and disappointed that he had directed me not to lock previously, and that he had waited for rates to increase so much before contacting me. I consulted XXXX XXXX representative XXXX XXXX who promised me the project would be done within 90 days. Based on XXXX 's statement XXXX locked the rate for 90 days. At this time, with a much higher interest rate the payment was getting to be unaffordable, so we changed to from FHA to conventional loan, with a plan to pay off outstanding vehicle loan to qualify. XXXX XXXX did not do any work for a month, which caused them to not complete the project as scheduled, and the lock expired. Nobody from Prime Lending ever contacted me to advise me that it had expired, or presented me with any options other than at closing time. I asked XXXX at this time what I could do to get the loan to be affordable, and he said nothing he could do at all. At this time, my property was being held hostage and with no choice, I had to sign the closing documents or risk losing my property all together. Now thanks to Prime Lending and XXXX XXXX, I have a loan that I can not afford and also had to drain my entire savings to pay the closing costs. I tried to explain this to XXXX XXXX and people from XXXX XXXX, and nobody has offered any assistance or resolution, they just want my money. XXXX blames the rising interest rates, but as a loan XXXX, he failed me as his customer, and put me in a bad situation. I would have never built a house or financed with Prime Lending had I known how it would turn out.