23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I finished repaying my student loans in XX/XX/XXXX and my account with Great Lakes student loan provider was closed. I received a communication from them congratulating me that my loans were repaid, and I downloaded my full payment history for my records. The payment history showed {$0.00} unpaid principle balance.

In XX/XX/XXXX I logged into my online account to print out my XX/XX/XXXX tax statement. When I logged in I saw a balance of {$30.00} in unpaid principal, and {$1.00} of unpaid interest, for a total of {$31.00}.

I promptly contacted Great Lakes. The first person I talked to was unable to explain the charges. Finally, I got through to an account manager, and when my questions persisted she told me that Great Lakes was being audited by the FSA, and that they had failed to apply an interest cap adjustment to my account at the time. They could not explain how or why they were able to reopen my account and apply these charges without notifying me. Had I not logged into get my tax statement I would not have known about these charges. Eventually, they sent me a generic statement on XX/XX/XXXX that reflected the new charge, however, I have been informed several times that this may not be the accurate amount.

I have been in contact with them twice since then. On all occasions they have told me that the amount has not " settled '' yet, and that the {$31.00} might not even be the correct amount. I requested a letter detailing the charges, and explaining how and when the interest cap adjustment was applied so I could provide it to my attorney. When they finally provided the letter, it did not include any of the information I requested.

I have been unable to resolve this issue with Great Lakes. My issues are : 1. How they were able to re-open my account and apply charges without notifying me.

2. That they made a mistake that was caught by the FSA during an audit, and that they are attempting to pass that fee along to a former customer, even after the affected account was closed.

3. That they have not been able to provide relevant or accurate information in a timely manner - or even let me know when the charge will be finalized or when I can expect a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX, XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized EXPERIAN XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

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

FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220, So called " Creditor '' FCRA Section 611 Part ( A ) ( 1 ) have failed to respond to written validation of no debts and liens. According to UCC California there are no liens on my name or property. After this company contracted with XXXX XXXX, they have in fact stolen my private vessel. Have notified said companies of a cease and desist FDCPA Section 805 ( c ), I have asked in administrative process, to proof said claims FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, still nothing after months. Fraudulent merchant claims of property that has been paid. Willful intent of harm, injury, false facts, defaming of character, my credit report as a consumer of heaven, and causing intentional emotions distress. Also under Under 15 USC 1681b - Permissible purposes of consumer reports, CONSUMER PORTFOLIO SERVICES never gave XXXX written consent to report anything on my report. This is in fact IDENTITY THEFT. I would like my property back and response and remedy from company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX has violated this law because this late payment is reporting on XXXX, Experian and XXXX XXXX XXXX XXXX ( XXXX ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment reporting on XXXX, Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX, Experian and XXXX and I didnt give them permission to do so.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have multiple hard inquiries on my report that hasnt yet been verified by the credit bureaus as requested several times through multiple phone calls and certified verification letters. Ive recently sent off another letter on XX/XX/24 still no response. XXXX
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 XXXX XXXX XXXX. 

ACCOUNT NAME. ACCOUNT NUMBER XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX states : I have the right to privacy. 

XXXX XXXX XXXX section XXXX section XXXX states : a consumer reporting agency can not furnish an account without my written instruction XXXX XXXX XXXX ( a ) ( XXXX ) Section states : no consumer reporting agency XXXX make any XXXX Report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which anteater the report by XXXX years. 

XXXX XXXX XXXX ( A ) ( XXXX ) states : A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to the believe that the information is inaccurate. 

XXXX XXXX XXXX ( b ) ( XXXX ) states : A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed XXXX XXXX of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2020 an account XXXX XXXX and XXXX was deleted. But has been reinsurted as a new account in and around XXXX, XXXX 2020. This is a violation of FCRA rules. 

Please see attachment ; I believe that XXXX XXXX XXXX and XXXX original creditor : XXXX XXXX XXXX XXXX with a balance of {$1.00}, XXXX was reinserted intentionally to hurt and damage my credit score and profile. This is a violation of FCRA rules and regulations of the FDCPA.
Product: Debt collection

I,  XXXX   XXXX , took out an installment/payday loan at the Check 'N Go location at  XXXX   XXXX   XXXX ,  XXXX   XXXX , MO  XXXX  in  XXXX    XXXX  . The hours where I work got cut down, and I have been having difficulty paying the payments. This company began calling the place I work,  XXXX   XXXX , on days I was not at work, and my manager asked them to stop. Then today,  XXXX / XXXX /  XXXX   they called again, and I told them that I was not allowed to receive phone calls here. I am actually not even employed by  XXXX   XXXX , I am a temp worker through  XXXX   XXXX   XXXX . I finally had to hang up on the lady,  XXXX . Then another person from Check 'N Go called back almost immediately. I told the man again, that I can not receive personal calls at work, and not to call again. They immediately called over and over while my manager told them to stop each time. They told her that they could call whenever they wanted, and would keep calling. She tried reporting this to the corporate office, so far with no results. I may very likely lose my job over this. Please help me.     Sincerely,  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MO  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have the XXXX XXXX XXXX account removed and have been unsuccessful. The scheduled date of deletion is XXXX XXXX and I would like to request an early exclusion as a courtesy.
Product: Credit card

My card was charge wihout my conset from XXXX  and adobe and email through XXXX
Product: Credit card

Bank of America closed my credit cards on XXXX XXXX and froze by XXXX  and XXXX  accounts without any notice and claiming that i never responded to them for updating my personal information ( Name, SSN, phone, email, Address ) and i got fined for late fees and payment bounced. They closed my personal and business credit cards which had XXXX thousands dollars credit. That affected my credit score. I am with Bank of America since 1998. I need help to get this resolved as ban is asking me to reapply for credit cards which will reduce my credit score and i will lose my account history. This is a discrimination on a baseless reason and punishment to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information appearing on my credit report regarding the following account : Creditor Name : XXXX Account Number : XXXX Upon reviewing my credit report, I noticed several discrepancies and inaccurate reporting between credit bureaus. The information reported on this account is inconsistent, incomplete, and/or incorrect. Below are the specific issues I am disputing : Account Status Discrepancy : TransUnion lists the account as Open, while Experian and Equifax report it as Derogatory/Charged-Off. If this account is charged off, it should not be marked as " Open. '' Monthly Payment Amount : TransUnion reports a {$65.00} monthly payment, while Experian and Equifax report {$0.00}. A charged-off account should not have a monthly payment obligation. 
Date Opened Inconsistency : TransUnion states XX/XX/XXXX, while Experian and Equifax report XX/XX/XXXX. This date should be consistent across all bureaus. 
High Credit Amount : TransUnion and Equifax report {$690.00}, but Experian reports {$0.00}, which is inaccurate. 
Credit Limit Discrepancy : TransUnion and Experian report {$300.00}, while Equifax reports {$0.00}. 
Past Due Balance Inconsistency : TransUnion reports {$330.00}, while Experian and Equifax report {$690.00}. 
Payment Status Discrepancy : TransUnion lists the account as " 120 Days Late '', while Experian and Equifax list it as " Collection/Charge-Off. '' If the account is charged off, the reporting should reflect that. 
Date Last Active Inconsistency : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX These dates should align. 
Date of Last Payment Missing : TransUnion and Experian do not provide a last payment date, while Equifax reports XX/XX/XXXX. 
Inconsistent Two-Year Payment History : Payment statuses vary significantly across the bureaus, including incorrect reporting of " OK '' by Equifax when the account is derogatory. 
Given these inaccuracies, I request that the credit bureaus investigate this account and correct any errors. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit report. 

I have attached a copy of my credit report highlighting the inconsistencies, along with any supporting documents. Please conduct an investigation and update my credit report accordingly. If the furnisher of this information can not verify the accuracy, the incorrect information should be removed. 

Please provide a written response confirming the resolution of this dispute. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

A XXXX credit card was opened via identity theft in my name in or around XX/XX/XXXX. I ( inaccurately ) assumed the information I received about the credit card was a scam. After payment was not made on the credit card, it was sent to a debt collector ( midland credit management ) on XX/XX/XXXX, with a balance of {$990.00}. 
I contacted MCM in XX/XX/XXXX to dispute the charge, as it was fraudulent. They opened an investigation and found the charges to the card to be accurate. I was notified on or around XX/XX/XXXX. Well, yes, someone did use the credit card, but it was never me. They still expected me to make the payments to the {$990.00}. 
They listed next steps in order for them to continue their investigation. Steps included completing an FTC fraud affidavit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of purchasing a home my credit report was pulled. To my surprise I had a late reported to my credit by XXXX XXXX for the month of XXXX. I obtained an Auto loan with XXXX XXXX in XXXX  of XX/XX/XXXX. For over 40 months I have made payments on time within a 30day period. On XXXX XXXX of XX/XX/XXXX I called in to make my regular payment OF {$1200.00} to XXXX XXXX, with 5 days remaining in the month. After speaking with their customer service and loan department, I was informed that there was nothing they could do to reverse the late that they reported on my credit. They confirmed that I did call in on the XXXX of XXXX  but they out source the processing of their payments to a company called XXXX which post the payments within 2 business days from which they were made. In my situation they did not post until the 4th business day which was the XXXX  of XXXX, causing me to have a 30 day late on my credit. This is definitely unfair trade practices. I had NO knowledge of their outsourcing and I should not have to suffer from a 30 day late when in fact the payment was made well within that time frame. I am in the process of purchasing a home and this has greatly affected my ability to qualify for a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report. 
Account Name : XXXX XXXX XXXX Account NumberXXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit Report.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed some UNAUTHORIZED HARD INQUIRIES.Equifax and other credit reporting agencies are obligated by the FCRA to report accurate accounting. I the consumer have advised ALL the inquiries reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer. Consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was authorized by the consumer. EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for XXXX  report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed ASAP. SAID company is liable under SEC to follow certain rules. EQUIFAX Communication file number is XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I will be filling 211 treasury omb forms to audit my consumers account. Equifax is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. Please remove items listed below. 15 USC 1581 PERMISSABLE PURPOSES.
Product: Money transfer, virtual currency, or money service

Date XX/XX/2020 amount XXXX $ converted to XXXX XXXX  I had purchase this serviced supposedly I was getting and I been wanted to get my money back and the seller doesnt want to give it back she said she doesnt have it so I dont know where my money is at so I want it back
Product: Vehicle loan or lease

Dealing with Santander consumers has been a nightmare! I made a mistake by accidentally paying 2 car notes in one month. Since I needed to be reimbursed for one of the payments I contacted Santander as well as chase ( my bank ) for details on reimbursement.

My bank was able to reimburse me the extra payment and later contacted Santander for a refund. Instead of Santander refunding my bank.. they marked the car as said off. Sent me my title and dropped a 30 day LATE PAYMENT on to my account.

This ultimately resulted in my credit score dropping over 75+ points. My auto loan was paid every month on time. This company reported a false delinquency out of spite. I am asking that action is taken to remove this false Delinquent claim
Product: Payday loan, title loan, or personal loan

I wasnt aware that for the {$800.00} loan I was going to be charged 752.99 % APR. The company was not clear about it and I was not made aware that I would have to pay {$2000.00} in finance charges. So my total amount due is {$2800.00}. I believe I already paid 5 payments of {$230.00} Which totals {$1100.00}.