23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The following creditor did not contact me nor did they send me statements on my promotional purchase XXXX via XXXX XXXX. In both XX/XX/XXXX and XX/XX/XXXX they marked my payments as late. XX/XX/XXXX specifically - was the date that no statement or invoice was sent and I was not contacted. I had no way of paying this debt due to a lack of information provided. In XXXX, I contacted them - because I noticed on my credit report that they had filed a Late Notice in XXXX. I paid the debt in FULL and was reassured that they would not mark the account as LATE. Simply Closed. 

How is a consumer supposed to pay a creditor if the creditor does not send statements? 
I never receive email or phone calls despite the fact that it appears they had this information. 

I suspect because this was a promotional period whereby no interest or fees were supposed to be assessed, that they intentionally did not make good faith efforts to contact me. 

I believe that Barclays Bank engages in behavior willingly and knowingly to defraud customers and make them ineligible for the promotions that they sell. 

I will never do business with this bank again and suggest that others do the same. 

Barclays Bank XXXX XXXX  XXXX XXXX, DEXXXX ( XXXX ) XXXX
Product: Debt collection

I've attempted more than 5 times to submit a dispute online with XXXX at their website : XXXX XXXX XXXX and everytime it states that the information that I entered does not match their records. I was able to successfully submit dispute with XXXX  and XXXX in regards to the same account ; Portfolio Recovery Associates for amount of {$600.00} opened XX/XX/XXXX. Investigation has been conducted and found in my favor that I did not own this account. However, online is impossible to submit dispute with XXXX and today XX/XX/XXXX I have been calling all day to the number : XXXX and XXXX and every representative states that their undergoing system updates and can not assess anyone 's account to call in 30 minutes and this has been going on since XXXX this XXXX XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized credit inquiry on my Equifax from XXXX XXXX XXXX XXXX dated XX/XX/2017 that I did not authorize.
Product: Debt collection

In XX/XX/XXXX I signed a six month agreement with XXXX. I signed the lease over from another person. The apartment complex agreed that I would live in the property from XXXX XXXX until XXXX XXXX. In XX/XX/XXXX when I went to turn in my keys management told me that I owed rent up until XXXX XXXX. They said that they would not try to find anyone else. Even if I found someone else they wanted me to still pay the next six months, which is illegal. They told me that If I did n't pay the next six months rent right then, they would turn it over to collections. I set up a meeting with management to try and discuss some alternatives. They kept giving me the run around and ignoring my calls and emails. A few weeks later I received a collection notice from Pro Collect for over {$3000.00} dollars which included huge fees for cleaning a tub and lost keys ( which I turned in ) and unpaid rent. I was only obligated to stay in the property for six months, and regardless it 's illegal for a landlord to not mitigate their damages. They sent my account over to collections for six months accelerated rent three weeks after I moved out of the property. This is illegal! They ignored all my calls and attempts to work something out, they told me to pay up the next six months rent or they would send it to collections right away. They intentionally ruined my credit without making any attempts to mitigate their damages which the law requires. When I contacted Pro Collect through a written letter, and called showing evidence of this unfair charge they told me to sue XXXX. They admitted that I was right about the landlord 's duty to mitigate their damages, however if I wanted this off my credit I would have to sue the apartment complex, and that would cost me more than paying the {$3000.00} that they were attempting to collect. They also advised me that disputing this charge would hurt my credit. I later called back to try and get more explanation on how it was legally to try and collect when they broke the law, the lady said she was n't there to argue with me and proceeded to end the phone call. They refuse to remove this from my credit, even though legally the apartment complex broke the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I'm a Veteran and I have a VA home loan, my original mortgage company sold my mortgage to Carrington Mortgage LLC. Carrington is now charging me {$77.00} more on my monthly mortgage than I was paying to the original company. Also, Carrington has not paid my tax bill, which is now defaulted. I called them months ago and they told me that everything was up to date and that they would be paying the tax bill, as that is what we had set up with our previous company. They also informed me that the mortgage was going up in price to " protect me '' from higher property taxes. I live in CA our property taxes are set and do not fluctuate. I would like this matter resolved so my property taxes do not default and I want to be reimbursed for the extra monthly charges. This company has been a nightmare to deal with, it's almost impossible to get ahold of a person and when you do, they consistently transfer you back and forth and do not give the same information, and they are very rude and demeaning.
Product: Credit reporting, credit repair services, or other personal consumer reports

Only address should be on file XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Legal name : XXXX XXXX I am in dispute of all accounts showing Delinquent or charged-off, late pay on closed accounts, alerts on report with no basis, such as an account. 
3rd party accounts showing active And delinquent, no certified contract proving relationship..to validate the accounts please provide certified copy of original contract.. No other document will properly verify alleged debt.
Product: Bank account or service

Paypal has closed my account down & permanently limited it when they should n't have/mistakenly did. They even have a lawsuit against them ( class action ) for shutting down accounts and limiting them for incorrect reasons plus inappropriately handling disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - XXXX XXXX Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy .15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written Consent
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Something I have No Idea of I dont know why its on my report I want proof of who they are they can be some type of random bill that can be fraud I never received anything from the company or who they are.
Product: Vehicle loan or lease

My primary Doctor wrote a letter explaining my condition to the dealer and XXXXXXXX XXXX. 
I turn the car in on XX/XX/XXXX  with the letter. My lawyer at the time inform me that would be the right thing to do. He has retired now, I have paid {$1300.00} for the one year I had the car, at lease that what Prestige Financial have shown on the paper work. So I'd owed {$18000.00} at that time and then they sold the car for {$11000.00} but they want me to pay {$16000.00} even those they sold the car I should only owe the different, Which should be only {$7100.00}. It is fraudulent to try to make me pay more, please let them know that am not foolish enough to go long with their scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue before! XXXX XXXX XXXX from XXXX XXXX XXXX XXXX Accounts have an ERROR and Im requesting for immediate BLOCK or DELETE information from report. They are at VIOLATION as the data is inaccurate and inconsistent across all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

Due to the XXXX XXXX projected and upcoming Higher Education Act in XXXX, I ceased making payments to my outstanding XXXX loan starting XX/XX/2023 and resumed payments starting XX/XX/2023. [ also see XXXX acct stmt & news articles attached ] During that timeframe, I received numerous messages -- letters from XXXX, stating that the loan I currently had was in forbearance, therefore did not make payments for that period of time. I did receive a final letter from XXXX ( in the Fall ) stating that it was important that I begin making payments again -- and catch up with any outstanding payments no later than XXXX, which I did. 

In the month of XXXX alone ( and within a 30-day period ), I made five separate payments each a minimum of {$180.00} ( with 3 payments at {$220.00} minimum ) totaling {$1000.00} ( see attached XXXX statement ). 

During the forbearance period ( XXXX XXXX ), I received numerous letters from XXXX stating there was an overall forbearance in effect for outstanding student loans and there was an opportunity available at that time for a pause in making payments. 

My intent was to pay the amounts due I had the funds available to do so Thinking that the forbearance would not create a problem with my credit history -- as it has and looking forward to the XXXX Administrations next steps for the upcoming program. 

My current FICO is much lower ( from XXXX ) which dropped at the end of XX/XX/2023. But also the forbearance ( payments ) have been reported to the Credit reporting bureaus as Serious Delinquency. 

Im requesting that my credit history be corrected and the delinquencies be eliminated due to the understanding I ( and the XXXX ) had regarding the ongoing forbearance period during XXXX 2023, which was not accurately reported to the Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am a natural man and consumer. I was impacted by the so called 2017 XXXX data breach. I am spending incalculable hours and energy trying to keep up with the fraudulent accounts and inquiries appearing on my personal consumer credit report. This is the third cycle ( 30 day increment ) that I'm sending out disputes to XXXX, XXXX XXXX, and Experian. XXXX XXXX has sent me stall letters and postcards after each of my disputes stating that they applaud my decision to take control of my credit, but they continue to completely and wilfully violate the FCRA by stating that my letters, which have my identifying information, doesn't appear to come from me. First of all, the FCRA does not stipulate that a consumer must notify any credit reporting agency that they are working with the assistance of someone else. Secondly, XXXX XXXX is a multi billion dollar corporation that does not know me personally, so how can they possibly determine what my mail seems like? Experian continues to send me form postcards that are essentially stall letters as well, stating that my proof of address is insufficient, thereby denying me my right to challenge or dispute any information that is inaccurate erroneous or incomplete, and therefore access to my consumer report. The law states that upon receipt of dispute, a CRA must initiate a " reinvestigation '' of the disputed information, and complete it within 30 days. I am now approaching 70 days with no progress. I've submitted proof of my being a longtime victim of identity theft and the law states that ANY ITEMS THAT ARE REPORTED TO BEE THE RESULT OF IDENTITY THEFT MUST BE BLOCKED WITHIN 4 BUSINESS DAYS. FCRA 605B ( 15 USC 1681c-2. XXXX and Experian continue to report a fraudulent account from XXXX and company called XXXX ( XXXX XXXX ). I've contacted XXXX  and they said they'd forward it to the fraud department, but all that's happened is they verified the accuracy of the information to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to LEXISNEXIS due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt or credit management

I switched to XXXX back in XXXX and was told if i turn in my old phones i would get credit in store to pay off the left over of those new phone i got from XXXX And they told me to wait 6 months via mailing address. I waited and nothing come so i went back to the store talked to the manager and they changed the story by saying that i have will receive a email with the code for the credit from the old phones and they told me that its expired. I told them how is credit that was sent to me expired if you guys provide it and never told me it was going to my email. I got mad left and refuse to pay something i was wrongfully informed. Then i received a notice that this will go to my debt collection, and it has been 6 years going into 7 years with that debt keeps refreshing every year and still appearing under my account like if i just obtained this debt collection as of XX/XX/XXXX. Which is a lie and should of been cleared by now. XXXX  said they sent me an email with the credit back in XXXX and i still haven't seen it in my email.
Product: Credit reporting or other personal consumer reports

Credit Karma, on around XX/XX/year>, dropped my credit score XXXX points, all my accounts are current, and have always been current threw the life of my credit reported. 
I received credit card offers, loan offers, card loans offers, from Credit Card Karma weekly. 
I strongly believe this company is lowering my credit score, for I will be forced to go to one of there partners, to obtain a high interest personal loan to pay down on my little total credit debts of under {$5000.00}, This is a fraudulent direct abuse of credit reporting power.. 
My next step is Texas Attorney General, to file formal complaint
Product: Student loan

I have a {$24000.00} 6 % interest consolidation loan through Navient ( originally XXXX ) originating in XX/XX/2001. I have been making payment on this loan for 15 years ( less a few early periods of forbearance and an unemployment forbearance ). I logged in recently to see how much my remaining balance was and was shocked to see that I am after 15 years of payments listed as now owing Navient {$38000.00} in student loans. I have called and spoken with their customer service department asking how this can be the case on a 6 % loan I have been paying for 15 years on, they explained that during my forbearance periods interest was accrued and that for a time I was on an interest only repayment plan. My math still does not add up on how these amounts could lead to such a massive increase in the loan amount. I inquired on how we could get the loan paid in a timely fashion and the best offer they could give me was that I could pay $ XXXX/month for for 170 more months - which would be another {$55000.00} in addition to the 15 years of payment already made - which would be something like four times the amount of the original loan in total. 

I suspect something may have been added to my account or misfiled ( late fees, misapplied payments, etc ). Also, if I had been aware I would be accruing interest during forbearance or that I was paying an interest-only repayment plan ( and with that, if I was, how could I have been accruing interest as they claim ) I would never have agreed to those terms. I am turning to the CFPB as Navient appears unwilling to work with me on coming to a reasonable repayment of these loans. I would like to work out a reasonable and mutually acceptable repayment to get these loans resolved - I have been paying them for 15 years already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed my complaint and lexisNexis wanted me to send in a copy of my driver license and a bill and I did and I got a letter stating they are unable to verify my identity. I am sending a copy again for the 2nd time. 


I have several fraudulent accounts listed on my credit report. I have listed them and also the police report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANKRUPTCY XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - XXXX XXXXXXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX  XXXX. 
XXXX XXXX : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Product: Payday loan, title loan, personal loan, or advance loan

Reference # XXXX I got an email to XXXX - that my personal loan application was denied but I never applied for the same. 

I called up citi customer service at XXXX and he said they routinely run applications which in the same way as XXXX Scam. 

He did not even apologize. I need this fixed ASAP so XXXX does not play around with my credit score and share sensitive info.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # DATE : XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX, Equifax, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no fraud!!!!! 

I have sent letters with my id and my driver license and my SS cards and utility bills and still Equifax still will not remove the fraud alert from my credit report ...!!!!! 
They do not understand basic English remove the fraud alert from my report!!!!!! 

I did not place the fraud alert on my report!!!!! 
still they will not remove the fraud alert from my report!!!!! 



XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX VA XXXX
Product: Money transfer, virtual currency, or money service

All I need to do is withdraw my money - I have states many times ( in writing ) that I have my social security number, ID, and whatever else they need- I have sent self photos with ID matching next to my face showing I am who I say I am and still they won't let me withdrawl my money!
Product: Credit reporting or other personal consumer reports

Unable to unluck credit freeze with Experian, due to inability to verify identity. Unable to speak with a live person as they can not verify identity so they won't speak to me. I did get through on a dispute line but after I explained the problem the calls were both dropped. When trying to change password they claimed phone number was incorrect but I have not changed this number in over XX/XX/XXXX years. When trying to send link to change password via e-mail they sent it to an e-mail over XXXX XXXX XXXX. I have tried for XXXX days to reach someone to resolve this issue but have not been able to speak to anyone. I unlocked my freeze several years ago without an issue but it looks like they have incorrect personal information and I have no way to resolve the issue and unlock my credit freeze.
Product: Credit reporting or other personal consumer reports

This is not my account, I have submitted a Identity Theft dispute with the Federal Trade Commission in regards to this matter and I would all information that is being reported on this account be immediately deleted. 
The account opened on XX/XX/2023 it is now closed but still showing a XXXX $ balance. 
The Fair debt collection practices and fair credit reporting act states that the information reported on consumer must be accurate. The account opened XXXX 2023 This is not my account, I would like all information being reported from this ( XXXX XXXX ) account be deleted immediately, and a written notice of this information being deleted or I will be forced to sue for damages and negligent enablement.
Product: Student loan

Great Lakes Student Loans XXXX XXXX XXXX, is garnishing my wages through XXXX. All of my student loans are in forbearance or deferment. I am not sure where this came from. I can't get any information other than they are garnishing my wages for 15 % of net disposable income - $ XXXXpay period = $ XXXX/month.