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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$240000.00} XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$21000.00}
Product: Debt collection

I am writing on behalf of our business, an auto dealership, regarding harassment by a collection agency which arose out of billing errors on old invoice for transport services. Accounting needed to verify appropriateness of old debt invoices that were sent almost 2 years after the fact and paid all old invoices directly to the company. A balance remained that was being investigated and company referred the matter to collection agency with no notice to our company. Debt collection company claims entire amount assigned to them by other company including amounts already paid directly. Refused to investigate actual amount in dispute, threatened and harassed comptroller and contacted the undersigned using the foulest of language, screaming and repeated calls after written notification that the amounts were in dispute, to return the debt to the maker, and to cease all harassment.
Product: Debt collection

There is currently a debt in the amount of {$170.00} owed to Advance America for an online payday loan. I receive calls from this company three times per day everyday of the week Monday throug Saturday, always between XXXX and XXXX, XXXX and XXXX and XXXX and XXXX daily. I have spoken with them and asked that the volume of cals be decreased and was told " as long as there is a debt owed, We ca n't stop the number of calls. ''
Product: Mortgage

On XX/XX/2021, I paid a XXXX payment on the web to NEW REZ LLC SHELLPOINT. I requested to have the payment credited back to my account since I was refinancing. They stated they would. On XX/XX/2021, I see the XXXX was reversed on XX/XX/2021 and as of today XX/XX/2021, I have never received the money. I have called repeatedly and have been lied to, hung up on, promised the money would be back in my account, would be mailed to me (? ), credited to my account for the mortgage. Please check on this and let me know how can this be resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX LOAN NUMBER XXXX
Product: Credit reporting or other personal consumer reports

After XXXX  years and what now appears to be a federal lawsuit company has still failed to investigate and resolve consumers credit issues. XXXX XXXX BANK Is a fraudulent account and has been removed from all other agencies yet this company fails to comply with other reports as well as CFPB request. Attached you see a clean credit report as well as the deletion for XXXX XXXX BANK as verification that company has maliciously reported date inaccurately in the past on numerous occasions. FCRA XXXX that have been ignored state the account must be deleted immediately.
Product: Credit reporting

XXXX 2009. I have asked them to remove it since it has been 7 years and the credit bureaus refuse to remove it. They 're saying it will stay on my credit report for 10 years
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud / Identity Theft XXXX Accounts opened fraudulently XXXX XXXX ( Personal unsecured Loans ) # XXXX. {$15000.00} Opened on XX/XX/2022 # XXXX. {$12000.00} Opened on XXXX XXXX 2022 XXXX ( fraud dept ) : spoke XXXX XXXX **** was emailed that inquiries and loans would be removed from my credit reports but to date is false **** requested ip addresses used to apply online and no response ***** told that loans were approved fully online and nobody physically reviewed the application nor verified the identity. 
**** perpetrator used a made up email address and no idea how they were able to obtain approval and funding **** perpetrator used a google voice phone number that is not mine XXXX # XXXX. XXXX XXXX Opened XX/XX/2022 {$9000.00} *** received XXXX emails each asking me to provide time consuming paperwork and put an unreasonable time frame for them to receive or else they would validate the debt *** have not provided any information regarding how the loan was obtained, information provided, etc. 
**** called customer service multiple times and they were unable and did not have a number to the fraud department ***** to date. Co has refused to provide any documentation on information utilized to gain approval and funding XXXX XXXX # XXXX Security freeze Conf # XXXX
Product: Credit reporting or other personal consumer reports

Please erase these inquiries. I have no information about them, and the company conducted them without my permission.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit report listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. XXXX. ( A ) ( XXXX ) 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 card

Hello, I have a Avant credit card. From what I have read, they have been a problem in the past with the FTC. Today is XX/XX/2024. 

I received my bill statement that is due every XXXX of every month. I called customer service and asked if they could change my due date. Reason being, I am on Social Security, and do not receive my pymt until the XXXX week of each month. Therefore, as soon as my pymt is received, I pay Avant credit card, immediately! 

Somehow, it seems to take nearly 10 days to pay from my bill pay on-line with my bank. The bank has told me this is how Avant has this set up, therefore if my payment gets to them late, I am once again charged a late fee, yet the payment is being sent from my side 5-8 days sooner to them. But they keep attaching a late fee. I owe XXXX. I have never dealt with any other credit card company that will not work with me changing the due date. This will now effect my credit score, and that is not fair to me. Please let me know what options I have to help me deal with this crooked company. 

Thank you. 

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

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX XXXX. Please delete the items as soon as possible.
Product: Credit reporting

I am filing a disputed account with Equifax through the CFPB, because I am currently XXXX in XXXX and my disputes have always been returned as verified by the Creditors, no matter how much documentation I provide. I filed a lawsuit against several of my Creditors for the disputed adverse information reported to the Credit Reporting Agencies and all of them denied that they had been contacted by Equifax in Court documents. I dispute that my payments were delinquent in XXXX on the XXXX XXXX account ending in XXXX and that the account was wrongfully charged off. I was a XXXX XXXX serving on XXXX XXXX from XXXX XXXX until XXXX XXXX. The XXXX account was in XXXX XXXX, and I had 21 % APR on my {$490.00} pre-service obligation, I requested the SCRA XXXX XXXX in XXXX XXXX. XXXX ( a ) to limit the interest charged to a maximum 6 % APR during the period of my XXXX XXXX military service by mail and by Faxes with copies of my orders several times. 
XXXX claimed that they had n't received copy of my orders and had increased the interest charged to a 26.99 % APR, then a 29.99 % APR, they did n't grant my SCRA request until XXXX XXXX, and removed all of the adverse information filed with all three Credit Reporting Agencies throughout the whole period of my military service. XXXX adjusted the {$780.00} balance for XXXX account in XXXX XXXX, but only for the {$110.00} interest charged in XXXX and XXXX of XXXX. XXXX sent a letter dated XXXX XXXX, XXXX, stating no payments were required on the XXXX account until XXXX XXXX, XXXX or until I was released from XXXX XXXX. 
I had asked that XXXX adjust the remaining {$670.00} balance on the XXXX account several times for all of the interest charged at the 21.00 , %, 26.99 %, and 29.99 % APR, and interest charged, as interest is defined in App. XXXX ( d ) for the purpose of the XXXX, to include any late fees, return check fees, and service fees, because I was charged several of these fees during the period of my military service between XXXX XXXX and XXXX XXXX, which rapidly increase the {$490.00} pre-service obligation, despite all of the payment I was making. If XXXX had properly adjusted the XXXX XXXX account ending in XXXX for the interest and fees charged back to XXXX XXXX, as the XXXX provision of App. XXXX ( a ) requires, the remaining {$670.00} balance would have been a negative {$12.00}. I provided XXXX copies of all of my orders during my period of military service on their SCRA website. XXXX knew that I was XXXX to XXXX on XXXX XXXX in XXXX and that in XXXX XXXX my XXXX was extended until XXXX XXXX. I did n't know that the XXXX account was reported delinquent and charged off before the payment was even due on XXXX XXXX, XXXX, but the {$670.00} balance that was reported owed for the XXXX XXXX account ending in XXXX since XXXX XXXX, was never properly adjusted for the interest charged as required and without my knowledge was charged off in violation the SCRA provisions of App. XXXX XXXX a ) while I was XXXX to XXXX on XXXX XXXX orders until XXXX XXXX.
Product: Consumer Loan

I am writing to request assistance in handling an important matter with Pentagon Federal Credit Union ( PFCU ) .In 2010, I received I received a letter that I had maxed out on a line of credit with this financial institution. This was the first I had heard of any sort of line of credit with PFCU. I mad inquiries to discover that there was in fact a loan that listed jointly in my name and my ex-wife 's name. I had no knowledge of such loan. When I asked for loan documents where I surely would have been required to sign, I was told that the loan was overdraft protection linked to my checking account. I then asked for documentation to indicate that I had requested such overdraft protection. Thus far, I have received a promissory note with no signature and documents for the checking account with no indication that a line of credit was attached. I asked that the line of credit be closed immediately. 
When I pointed this out to PFCU, I was told that notices were sent out whenever the line of credit was used. I requested copies of these " notices '' but that request was not fulfilled and I never saw these notices. 
After making several payments on the loan when I was still married, I discovered that the balance was much the same as it was when it was maxed out. I called to inquire and was told that the line of credit was never closed. I again requested that it be closed. Months later, I experienced the exact same issue. 
How is one supposed to protect thier money and financial interests with PFCU when such a loan existed without signature? The continued response I received was, " you 're liable and payments must still be continue to be made. '' Futher, I have paid of XXXX vehicles with PFCU and they are holding the titles of those cars against this loan that is completely isolated. I am arguing to be removed from this line of credit as PFCU has misused my membership. 
1. ) I never signed for this loan and the signature block of the promissory note is PFCU provided is blank. 
2. ) There is nothing on my checking account application or check card application to indicate I had knowledge that a line of credit was linked as overdraft protection. There is a line which states " XXXX as applicable, '' however, how is any customer to know what " XXXX '' stands for and why would it matter to a customer if they know no such thing is applicable as they must have knowledge of it. 
3. XXXX vehicle car titles/ are being held despite loans being satisfied over a year ago.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues which may Violate the EFTA as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Debt collection

I have asked the company to delete this debt from my credit report. This debt is not mine. I have asked them to verify this account under the FCRA Laws. I never did any business with this company. They cant provide signature, original contract, or anything, which is a direct violation of FCRA laws. This company claim that I owe {$290.00}. This has caused me multiple denials, due to account being in collections. Also hindering my mortgage process.
Product: Credit card

XXXX switched from paper billing to paperless. They were to email and text the customer when a bill was due. I did not receive notification of a bill but instead got a lot of junk advertisement from XXXX. Long story short, I missed XXXX months payments. I have never missed a payment when they used paper bills. They waived the late fee for XXXX of the months but I was still charged interest and the other late fee. the only way I found out about this was going to my account online and digging up the current balance and finding out what the late fees were. I was never contacted by XXXX stating the balance. I am concerned with how this could effect my credit score. I am also concerned that other people are being taken advantage of from XXXX and being charged late fees and XXXX when it is really not their fault.
Product: Credit reporting

While requesting a pre-approval mortgage loan from XXXX XXXX, on XXXX XXXX, 2016, i found out there 's is something in my credit report that does n't belong to my personal credit history. It is from XXXX, joint acc. # XXXX opened on XXXX for the amount of {$6800.00}. i called XXXX, they told me they could't help me with this because the account was n't under my name. they reffered me to Equifax to be helped with removing that transaction from my credit report history.
Product: Money transfer, virtual currency, or money service

Between XX/XX/2022 and XX/XX/2022, I fell victim to a multi-layered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX which were transferred from my wallet
Product: Mortgage

My Loan no is XXXX for XXXX and XXXX XXXX. I am getting collections and threatening letters from XXXX XXXX regarding unpaid taxes. I have not missed a payment and my XXXX XXXX have filed a judgement against me for unpaid property taxes. I have written and called XXXX XXXX regarding this and also sent the notices that XXXX XXXX have sent me. Per XXXX XXXX. They have sent invoices and statements to this mortgage company and have not received payment. Now, they are threatening me and file a judgment against me for unpaid taxes. 
My payments are up to date, Why arent they paying my taxes?
Product: Credit reporting or other personal consumer reports

The app wasnt working and i wasnt able to log in to make the payment. I wrote them multiple times and 60 days later i was able to log in and make a payment. i was on the phone multiple times and wrote multiple emails.
Product: Debt collection

This is not my debt. I had my identity documents previously stolen and don't recognize this account. I didn't recieve any written communication about this debt from the debt collection agency ( which is required under the law ) and have been unable to substantiate it with the medical provider. I have opened a previous dispute but the agency provided no assistance or resolution.
Product: Credit reporting or other personal consumer reports

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system 15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF XXXX XXXX XXXXXXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX. I request that my current address be updated accordingly. 

3. Employer : my current employer is XXXX XXXX XXXX. I request that my new employer be updated as my primary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not fixed any of my information : My credit limit is XXXX with XXXX XXXX and they are not reporting the credit line, available credit or on time payment history.
Product: Student loan

I graduated from XXXX XXXX University with the XXXX in XXXX. My student loan debt at that point, including the debt acquired as an undergraduate, was roughly {$90000.00}. 

I accepted an XXXX XXXX position ( tenure-track ), which was to start fall XXXX, at XXXX XXXX  XXXX XXXX, and was encouraged by the lender to request forbearance for the student loans. This was supposed to give me some " breathing room '' to relocate from XXXX  to XXXX, before beginning repayment. 

Accruing interest was presumably " capitalized, '' increasing the loan 's principal. 

I began repayment in XXXX. Payments were geared so that I could afford them. On average, I paid something like {$800.00} a month. Interest nevertheless continued to be " capitalized. '' That amounts to something like {$60000.00}. 

In XXXX, my Congressman told me about a new loan forgiveness program -- Public Service Loan Forgiveness ( PSLF ) program. I was instructed to contact XXXX XXXX, have my loans " moved '' to XXXX XXXX, at which time they would now manage them, and pay 120 payments ( 10 years ). Given that these payments were all made while serving in the public sector ( I am a XXXX XXXX ), after that 10 year period the loan would be forgiven.

XXXX XXXX took over my loans. They claimed that I owed them : {$160000.00}. 

I'm not kidding. 

I had paid {$60000.00} against my debt since XXXX, and instead of making even the dinkiest of dents, my loan principal actually exploded! 

In XXXX or so, I was told that none of my payments would be counted toward the 120 needed for loan forgiveness, because they had been paid after the XXXX of the month. I had always been under the impression that payment was due by the XXXX, which is when I and my wife made the payments. I had never made a late payment. But, according to XXXX XXXX ( which became XXXX? ), I would need to request a change in due-date if I wished to continue paying on the XXXX and have those payments count. I did. 

It took 3 years for the system to finally make the change of due-date to the XXXX. 

In XXXX, I was told that none of my previous payments would count toward the 120 needed, because I had to submit an Employee Verification Form and had to be a participant in a special Income-Based Repayment plan. This was news to me. 

Keep in mind that I ( almost obsessively ) contacted XXXX since XXXX to make sure that I was doing everything required for the PSLF program. I was beginning to think that either XXXX representatives were incompetent, or, worse, actually working to place obstacles in my way. 

Now, since XXXX, I've paid XXXX on average {$800.00} a month, and so, I've paid XXXX about {$90000.00}. Added to what I paid before entering this program, I've paid about {$150000.00} against my student loans, and yet I still owe {$160000.00}. This is outrageous. 

I'm not asking for anything for free. I happily paid back student debt ( originally {$90000.00} ), and have paid about {$150000.00}. But according to XXXX, I still owe {$160000.00}. 

Most recently, XXXX says that they will count 39 payments against the 120 that I've made. That means that I still must pay another 7 years of payments! ( 81 payments )
Product: Credit card or prepaid card

I got the card from my job as a reward for my XXXX years XXXX, this American Express Gift card can not be used anywhere as advertised by the company. I tried all the major retailer such as XXXX, XXXX, XXXX, it declined, load it on my XXXX pay, worse. Called the customer service, i was advised that the card would not work at any online store but i should go to an actual store and it would work, went to a XXXX and bought stuff for almost {$60.00}, it worked. Remembered i had some stuff i needed and went back the same day to XXXX and the card declined. I called the customer service, they stated that am now blocked from XXXX, that i should try other physical stores. They would not advise what store accepts this gift card. I still have about {$200.00} on the card and can not use the card anywhere. For all the declining transactions on this card, it chips in {$.00} each time. American Express XXXX card customer service, are not helpful, all have the same rebuttals and would not give any solution