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

I noticed that Experian is reporting my Experience with XXXX XXXX, XXXX XXXX, XXXX Card and me. The balance I have with XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX Card and me is characterized as utilization on my consumer report Experian is in clear violation of the law : Pursuant 15 U.S. Code 1681a 2 ( A ) ( 1 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions or Experiences between consumer XXXX XXXX and the person XXXX  XXXX, XXXX XXXX XXXX XXXX Card that is Making the report is NOT INCLUDED ON MY Consumer Report XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX Card has attempted to remove the balance section. Experian keep putting the balance back on my consumer report
Product: Credit reporting or other personal consumer reports

My Equifax score has not refreshed for a few months. I think my credit with equifax is split. Too many soft inquiries. I called equifax and the sent a ID verification to my phone and it was not successful on Equifaxs end. I need this fixed. It says on their end its a technical error. I provided code XXXX  to agent. I just want to see my equifax updated score.
Product: Debt collection

The credit card was never mine and I never had a Walmart credit card. I contacted them years ago and thought it was cleared up now XXXX XXXX XXXX has reopened this to the credit agency years later and has reported it opened in XXXX that is also incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening to whom it may concern, As of today, I have called XXXX, XXXX and Transunion several times and have sent them letters disputing violations reporting on my credit profile. I have attached the receipt when I mailed my letters and the actual letters and copy of credit report from XXXX and today. The accounts are the XXXX XXXX and XXXX reporting several inaccuracies across all three credit agencies. This is a FCRA violation, the accounts should be removed and deleted as soon as possible. The agencies have also not given me details on how these accounts was supposedly verified because they did not do an actual investigation by law as they should. On one occasion a representative form XXXX stated that my identification I sent to them was wrong. I feel as if they have tried every effort to NOT solve the issue with this account. Had they done so they would have come across the discrepancies as I have. Also, the reporting of inaccurate information is affecting my credit worthiness and my ability to secure funding for personal and business endeavors.
Product: Credit reporting or other personal consumer reports

Since I found out about the account I informed them that I never authorized it. and yet they don't care about me. I let them know that I am a victim of fraud and I have alerts on my credit that for any account they should call me and I never received such a call. I have been calling all three XXXX Equifax XXXX for a week to also let them know the problem. I am in the process of purchasing my first property and I have a contract which I am going to close this month and I can not have these types of accounts which do not belong to me and are fraud. I hope you can help me, thank you
Product: Debt collection

My wife and I moved into XXXX XXXX XXXX apartments in XX/XX/XXXX, and paid a security deposit of {$1000.00}, as well as other deposits and fees. The managing company switched three times in 3 years, and when we moved out in XX/XX/XXXX, we were sent a bill totalling {$1000.00}, due to them not having our security deposit on file. The day after sending the bill via certified mail, I received a call from NCC Business services to collect said bill, which was movefd to collections in less than 24 hours. I have been actively trying to discharge the collections for 3 years with no luck.
Product: Credit card or prepaid card

I had an XXXX System installed by an authorized Carrier installer that offered 36 Months zero percent financing through Wells Fargo. When I enrolled I was told that if I pay down my balance the monthly amount would change based on the balance and remainder of time. about my 3rd payment I payed down more that half my balance but the monthly charge stayed the same. I contacted Wells Fargo and they stated the they do not change the monthly payment. They stated this is NOT a credit card but my statement says the credit card. And they sent me an actual credit card. This is deceptive and wrong! 

I would like to get a copy of my recorded phone conversation and the inception of this account.
Product: Vehicle loan or lease

Every time I make a payment, I attempt to pay additional principle payments and they are never applied. I have included a note, written on the check, envelope, The company is intentionally not applying extra principle payments. 
I have called them at least XXXX time and spent hours on the phone with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I would like to state that XXXX is in violation of 15 USC 1681 ( a ) ( 4 ), which states that in relation to accuracy and fairness of credit reporting The congress makes the following findings : ( 4 ) There is a need to ensure that consumers reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX is going out and fishing for negative information about me, it an infringement upon a consumers right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). XXXX is also in violation of 15 USC 1681b ( a ) ( 2 ) which states ( A ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX did not have a permissible purpose, nor did they have my written instruction to report a bankruptcy on my behalf the consumer XXXX XXXX XXXX XXXX. XXXX, without my written consent furnished negative information about a XXXX  XXXX Bankruptcy XXXX # XXXX to TRANSUNION. I never gave TRANSUNION or XXXX any written consent to report anything on my consumer report.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my information was compromised either due to a hack or someone obtained it illegally another way but It was used to open accounts that I have never done business with and now they are coming after me for the debt. These include XXXX XXXX XXXX, XXXX XXXX, the bureaus, XXXX   XXXX  and XXXX  XXXX XXXX. Please help me get these fraudulent accounts off of my credit permanently. Thank you.
Product: Credit card

A fraudster impersonating an employee from Wells Fargo had me do a cash advance from two credit cards and XXXX for wire to themselves. I have several names and partial account number from XXXX XXXX XXXXXXXX. Wells Fargo is not FDIC insuring my money and charging me for the large sums of money with interest. Banks are not allowed to do electronic transfers. I should have received a phone call alerting me.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report late payments on the account listed as XXXX reporting this account late is subjecting me to financial harm. This is against federal law and the consumer agencies know this. They are not permitted to report late payments. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Vehicle loan or lease

I entered into a car loan payment agreement with XX/XX/XXXX with Ally Servicing LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX. ) 18 payments of XXXX was due until XX/XX/XXXX. I was had the understanding that my payments would be finished, owing {$810.00}. On XX/XX/XXXX through a telephone conversation with Ally representative, I was informed that my XX/XX/XXXX payment arrived on XX/XX/XXXX. I did not receive any calls or mail about late payment. Why did it take 6 months to let me know about my XXXX payment? Representative stayed my agreement was longer valid. I will now owe Ally Servicing LLC an additional {$2400.00} due XX/XX/XXXX ( XXXX ). This was a unpleasant surprise. I was offered a second agreement which I did not a choice.
Product: Payday loan, title loan, personal loan, or advance loan

Im lots of calls and way of talking threatening me and filling lawsuits on me and main my I.d stolen my credit score and profile all mass up. Im having all the proofs also all paperwork.
Product: Credit card or prepaid card

Discover is fraudulently collecting late fees on my payments. 
I keep paying on the due date, and Discover keeps collecting late fees EVERY TIME I PAY ON TIME!!!!! 

I have paid the minimum on XX/XX/2020 ( the due date ) and got charged a fee for " paying late ''. 
I have paid the minimum on XX/XX/2020 ( the due date ) and got charged a fee for " paying late ''. 
I have paid the minimum today XX/XX/2020 ( the due date ) and will likely get charged a fee for " paying late ''. 

Discover needs to refund all the late fees associated with payments on XX/XX/2020, XX/XX/2020 and XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$950.00}.

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Product: Credit reporting or other personal consumer reports

I have been trying to inform all three credit reporting agencies about inaccurate information being reported on my credit report. They have not shown me the method or the proof of how they are validating that the information is correct or mine. It is still showing up on my credit report. I tried working with them and they did not properly investigate my accounts. I have numerous attempts to clear this inaccurate information. I asked them to delete and they refused to comply with the Credit Fair Act. 

Student Loan {$3700.00} Account number XXXX date opened XXXX XXXX, XXXX Dept Education {$13000.00} Account XXXX opened on XXXX XXXX, XXXX XXXX XXXX {$1300.00} Account number XXXX opened XXXX, XXXX XXXX XXXX XXXX {$1100.00} Account number XXXX opened on XXXX XXXX, XXXXXXXX XXXX XXXX {$2300.00} Account number XXXX open XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have a charge off with the XXXX XXXX XXXX  company. I paid this card off and it should just say paid off. It is impacting my credit negatively when I paid the full balance. I wish to get this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a matter of great concern regarding the recent handling of my credit report as per the Fair Credit Reporting Act ( FCRA ), specifically in relation to the list of accounts outlined below. These actions appear to be in violation of my federally protected consumer rights to privacy and confidentiality as stipulated by 15 USC 1681. 

The accounts in question are as follows : Account Name : XXXX XXXX XXXX  Account Number : # XXXX Account Name : XXXX Account Number : # XXXX Account Name : XXXX XXXX XXXX Account XXXX : # XXXX Account Name : XXXX Account Number : # XXXX I initiated a request for reinvestigation of these accounts with XXXX, Transunion, and XXXX , in accordance with the FCRA. However, to my surprise, their response indicated that everything was deemed complete and accurate. This assertion baffles me, as several critical pieces of information, such as the open date, date of last activity, and other essential details, are clearly incorrect. According to 15 USC 1681 ( 5 ), it is incumbent upon them to rectify inaccuracies and discrepancies in accounts. 

My right to privacy, as provided by 15 U.S.C 1681 section 602 A, is paramount in this situation. Moreover, 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish any account information without my explicit written instructions. This principle holds significant weight in safeguarding my personal financial data. 

I must also highlight the provision within 15 U.S.C 1681c. ( a ) ( 5 ), which explicitly prohibits the inclusion of certain items of information in consumer reports, particularly adverse items that predate the report by more than seven years. This section is a crucial component of maintaining the accuracy and fairness of credit reporting. 

Furthermore, the obligation outlined in 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that no entity should provide information to a consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate. These provisions are designed to ensure the integrity of credit reporting, and their adherence is essential. 

It has come to my attention that the entities involved are not even in compliance with Metro 2 credit reporting standards, and I possess substantial evidence to substantiate my claims. Therefore, I kindly request a thorough review of this matter in line with the FCRA, and I anticipate a prompt resolution to rectify these violations. 

Please acknowledge the receipt of this formal complaint at your earliest convenience, and provide a clear timeline for the investigation and resolution of this matter. I appreciate your attention to this serious issue and trust that a fair and just outcome will be reached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has furnished several incorrect items on my credit report and have had to remove them at my request because of inaccuracy. They were never supposed to furnish the incorrect and invalid information in the first place. These discrepancies have caused damage to my credit file and delayed me from getting things done in my personal life. They are also still not removing some more information that I have told them was not accurate. If they got these inaccurate and invalidated accounts on my file and had to remove them, there is no telling what other information they have that is incorrect. It is their job to handle all consumer files with fairness and respect for the consumers right to privacy, and Experian is not doing that.
Product: Credit reporting or other personal consumer reports

I sent a letter off on XX/XX/. I have my tracking number. To remove personal information that. I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information with third party people.

These are clear violation of my federally protected consumer rights.
Product: Student loan

I borrowed money from XXXX XXXX to attend college and for about 6 months I 've been trying to have my payment lowered since neither my co-signer or I can afford them. They offered me XXXX paths : to lower my interest rate or extend the loan life. They said I would have a hard time qualifying for either since my loan was unfer 30,000 and under 9 years long. The first time I called in, they said since my account was current, they could n't do it until I had a payment due. Then I called back in the next month and they had raised my interest rate! If I did lower my interest rate, it would just take me bqack down to my original payments, which I could n't afford! So they got all of my information, income records from both myself and cosigner, and they tried to lower my interest rate AND extend the life of my loan, but said I had to wait to see if I was approved but they needed to set up automatic payments in case I was. Then my cosigner called in and they said they had enrolled me but I had missed a payment. I had set up automatic payments and they NEVER debited my account. 

They are a bunch of liars who NEVER follow through and when they see that you are trying to pursue lowering your payment, they hike your interest rate up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Firstmark services are currently handling my private student loans from XXXX. I recently became concerned with their service when they began requesting payment while I was still attending XXXX  school. Based on XXXX XXXX policy, All payments are deferred while in school. Firstmark claimed there was a time limit regarding deferment but could not provide a written document supporting this. It was clear that this policy could not be substantiated. XX/XX/2020, I requested to have my promissory notes from all three loans currently being handled by Firstmark services in order to verify if the deferment policy was listed on my signed documents. I only received two documents and was told that one was a mastery note ( that regarded three loan pay outs ) and the other was for only one. However, later I was informed in a phone call ( XX/XX/2020 ) that three promissory notes existed and would be sent immediately. This would prove to be false and I was sent only the two promissory notes again. Upon reviewing the notes, I found that I had checked a box that stated 'MAKE NO PAYMENT WHILE IN SCHOOL '. Also, I saw that there was a discrepancy between loan amounts on promissory note and what was being charged by XXXX based on Firstmark 's records. I believe I have been charged for an amount that I did not fully receive and therefore also charged interest based on a wrong principle amount ( original loan balance ). I will be attaching both promissory notes that I have a received and letter from Firstmark that shows what principle ( or what should be original loan amount ) and interest they have on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXXXXXX XXXX  XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$0.00} XXXX XXXX : XXXX -- -> : {$5600.00} XXXX XXXX : XXXX -- -> : {$440.00} XXXX XXXX XXXX : XXXX -- -> : {$530.00} XXXX XXXXXXXX : XXXX -- -> : {$400.00}
Product: Checking or savings account

I have been blocked from using the full services of USAA banking online etc since XXXX. They have claimed it to associated from an Insurance underwriter blocking me when I supposedly was involved in a crime while insured with USAA. I have called, emailed, chatted on FB etc with them and they still will not figure this out. I am being discriminated by having a crime that I have completed my sentence/parole etc. This has also brought complications to my familys accounts as well. 

XX/XX/2018. USAA replied with the following. In your submission, you state that you have been blocked from using USAA online banking services. You contend that you were advised the restrictions originated from an insurance underwriter who blocked you because you were supposedly involved in a crime while insured with USAA. You add that you have tried communicating with USAA and this has not been figured out. You ask for USAA to restore full access or provide information to show how these processes are reviewed and implemented. Mr. XXXX, the USAA Federal Savings Bank is unable to address your inquiry about the restriction on your account as this pertains to an insurance product. The FSB was notified that the appropriate party reviewed and attempted to respond to you about this matter. If you have additional questions, we remain available to assist you. 

How is USAA Federal Savings Bank not able to address my inquiry about the restriction on my account as this pertains to an insurance product? USAA owns or is a parent company that owns the Insurance Company. When and how did the appropriate party reviewed and attempted to respond to me about this matter? Who is the appropriate party you speak of? Please show me or tell me how this was done. You say you are will to assist, ok. Who do I contact about flipping the main switch to allow me access to full online banking? Do you run background checks on all your customers? If not, I see that you are discriminating against me. How can we fix this?
Product: Mortgage

My wife and I closed on a VA mortgage with Quicken Loans ( Rocket Mortgage ) on XX/XX/21. At that time my taxes for escrow was listed as {$9100.00} or {$760.00} a month. Today ( XX/XX/21 ), less than three months later I am being notified that my taxes have increased to {$13000.00} or {$1000.00} monthly. That is a difference of {$3800.00} Annually or {$320.00} Monthly. I am not sure how my taxes could've increased by 30 % within 3 months. I feel like Quicken loans has deceived me by allowing me to think my taxes were lower that what they truly are. I chatted with XXXX today concerning this and she stated that she was " shocked '' by the increase. She also stated that they can not get an exact amount for taxes and this is normal. I know that it is important to qualify borrowers and ensure that they can make future payments. This is not the way to do it. {$300.00} while in a COVID environment with rising gas prices and cost is not conducive to ensuring a borrower has the ability to repay a debt.
Product: Credit card or prepaid card

I noticed a total or 5 unauthorized transactions on my Chime Account totaling {$1400.00} all from the same merchant. I have let the bank know as well that I have no idea what these transactions are. This is in regards to my Chime account # XXXX. I did not have my debit card in my possession at this time, and the transactions are as follows : XX/XX/XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXX {$20.00}