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

I was XXXX  in the XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. My information was used to establish these accounts by way of FRAUD! I have filed disputes with all 3 Credit Bureaus and contacted the creditors listed below. 1 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$27000.00} 2 ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$2100.00} 3 ) XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX With a balance of {$1600.00} 4 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$2500.00} 5 ) XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a past due balance of {$820.00} 6 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$18000.00} 7 ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$37.00} and a past due balance of {$32.00} 8 ) XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$280.00} 9 ) XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Opened on XX/XX/XXXX With a balance of {$3500.00}
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX a XXXX XXXX bill was sent to collections of {$500.00} dollars was paid in XXXX with receipt saved. The debt was sold anyway on XXXX I fought back and disputed the collection with the credit bureaus and was awarded it be taken down months later the debt was sold twice now on my credit report twice under 2 different collection agencies. I reached out to both collection agencies for the original debt document and called after 30 day to check on the documents was told the file was pulled and resold. This harassment and harm to my credit score has been going on for 2 years they post the debt and pull it when I dispute. Post again almost 4-5 times a year. I called the hospital to gain access to all debts owed and there is not one {$500.00} debt owed. When I dispute now this the credit bureaus say the debt is valid. But everytime I request information from the debt creditors they sell the debt which is under XXXX XXXX XXXX XXXX  of different collection agencies own by the same company. Help what do I do. I have all documents to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of not  XXXX , but  XXXX  (   XXXX     XXXX   and again in early   XXXX   deleted EVERYONE 'S TransUnion Inquiries ) and in  XX/XX/XXXX    XXXX   ) computer glitches that was TransUnion 's and   XXXX   XXXX   problem - not mine - caused inquiries to be deleted and/or We have recently updated our system to provide our customers with an even more accur ate    XXXX   XXXX   XXXX    and Score, it said. Because of this, some people may notice some information on their   XXXX   XXXX   XXXX   that they didnt see before..TransUnion and  XXXX  later added/re added them all ( back ) onto my credit report without giving me the legally required written notice 5 days prior to them being re-added. I have contacted TransUnion and   XXXX   in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries have added a hardship and my rights were violated by TransUnion and  XXXX . Please, help me to make TransUnion and  XXXX  stop victimizing me. I ask that a resolution of all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Product: Student loan

In XXXX, I took out a XXXX Tuition Answer Loan with Sallie Mae ( now Navient ) to help pay for my daughter 's college education. At the time she was attending XXXX XXXX XXXXXXXX University. The loan was disbursed on XX/XX/XXXX in the amount of XXXX. 
I did not have a clear understanding of the repayment options on this loan and the university apparently disbursed the monies to my daughter as she used part of the money to buy a car! A year later when my daughter was no longer attending college, I received notice that I would have to start repaying the loan. As I was under the impression that these loans would not mature until after she graduated 4 years later ( she actually NEVER graduated ) I was not in a position to start making the payments. When I called to discuss the potential of an easier repayment schedule I was advised that a deferment was my only option. I had the loan deferred several times from early XXXX off and on through early XXXX. From XX/XX/XXXX through XX/XX/XXXX, Sallie Mae added XXXX in capitalized interest to the principal balance of the loan. It was never explained to me that this would happen while the loan was in forbearance. Over the next 10 years, I made regular payments. To date, 118 full payments to be exact. The statements from Navient always show different ways of applying the payments to principal and interest with no rhyme, reason or explanation. To date, my balance remains at XXXX. How can this possibly be? I have paid XXXX to Navient to date and that means that in over 10 years of making payments only XXXX was applied to the principal balance and XXXX has been INTEREST ONLY!!!! 
According to my statements, I will be making payments until XXXX on this loan before it is paid off. I believe that I am being stolen from- this has to be fraudulent practice and I would like to know how I can proceed with getting this abomination discharged. I understand there is a class action lawsuit against Navient for these unfair, unexplained practices. Please advise how I can get help getting this loan discharged.
Product: Payday loan, title loan, or personal loan

I have a loan at Cash Store in XXXX, Texas. Address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. My payment was due on XX/XX/XXXX. Today is XX/XX/XXXX. I called to make the payment and I was told by XXXX that I'm required by the contract to refinance because my payment is late. I understood that she would turn my account over for collection and ruin my credit if I don't refinance, She does not want just the payment that is due. Is there a law to protect me? This is the first time I'm late with my payment.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit. This is fraudulent.
Product: Debt collection

In XXXX XXXX suffered a major security breach which leaked the personal data of over 143 million Americans, I was one of those individuals who were affected. XXXX  was negligent on securing my information, during this breach a hacker gained access to my Name, Social Security Number, Birth Date, Address, Phone Number, Drivers as well as my Driver Licenses Number. As a result of my personal information being compromised, I have become a victim of identity theft leaving several accounts listed on my credit report with XXXX, XXXX, and Experian that I did not authorize. My overall creditworthiness has been destroyed, my personal information will forever be assessable, this has caused me a great deal of stress and anxiety. 

Credit reporting laws ensure that only 100 % accurate information should be reported to the credit reporting companies at all times. Due to the XXXX XXXX  Security Breach, XXXX, Experian, and XXXX are currently reporting incorrect accounts to my credit file. My Lawyer is prepared to move forward in court on XX/XX/XXXX in the " State of Alabama '' On XX/XX/XXXX I will file a civil suit against XXXX, XXXX, and Experian for continuing to report this incorrect, fraudulent information to my credit file at that time I will seek for Punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach if this account is not removed from my credit file. 

The following accounts are currently being reported to my credit files and should be removed as soon as possible. 
1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX 4.Dept of Education 5.XXXX XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX  8.XXXX card 9.XXXX . XXXX 10.XXXX Hospital 11.XXXX XXXX XXXX 12. Us Department of Education
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent prove to business credit experion that thay have wrong information on my business credit my company is XXXX XXXX not XXXX and no family linkage and thay havent fix credit
Product: Checking or savings account

Bank OZK illegally removed me from my bank account and then kept my funds, which they still have them today years later. I have legal documents to prove they have stolen from me, and they had me banned from going to any location with threat of being arrested by the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized credit inquiries from my credit report. These inquiries were made without my knowledge or authorization following a data breach that compromised my personal information. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent inquiries blocked and permanently removed from my credit file. 
Unauthorized Inquiries XXXXXXXX XXXX Date : XX/XX/year> XXXX. XXXX  Date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX : XXXX XXXX XXXX is reporting this account as a " paid/charge-off '', in which it should not be any derogatory mark. I paid this account in full when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a misrepresentation of a derogatory account. The balance shown is an erroneous amount that was caused by the company 's flawed reporting records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and updated my address, in which, XXXX failed to notify me of the account 'NOT '' being closed. The XXXX sales representative sales manager stated my account was at a XXXX balance and my account was closed, in XXXX of 2019, and it was not updated on their end. This account is damaging my creditability and providing emotional hardships to remain employed in the Armed forces.
Product: Payday loan, title loan, or personal loan

PNC wont let me link my account.
Product: Debt collection

I have obtained online a personal loan from XXXX XXXX XXXX XXXX in XXXX of XXXX, at that time I was getting paid for my XXXX from 3 Insurance companies, In XXXX of XXXX, one of the insurance companies stopped paying me and I lost more than 50 % of what I was getting to live on. 
I have contacted XXXXXXXX for help and payments reduction, but they refused to offer any kind of LONG TERM SOLUTION. 
Then in XXXX of XXXX they charged off my debt and ceased all their communications with me. 
Later that year I received ( In XXXX ) I received debt collection Letter from Spring Oaks Capital telling me that now I owe them money. I have indicated to them in writing that I have NEVER signed any agreements with Spring Oaks Capital, And per American Collectors Act they can not collect from me if I did not take funds from them!!! Also they can not report delinquency or collection account from Spring Oaks Capital as it would be double Jeopardy situation. I also send them Cease and Desist letter on XX/XX/XXXX and yet they are still reporting and contacting me in violation of The Fair Debt Collection Practices Act
Product: Debt collection

I have XXXX accounts reporting to my credit report from Receivable Management Group. I do not know what these accounts are for! I have sent letters requesting validation but I have not received anything from this company who has this false error on my credit report. I want this removed IMMEDIATELY! This is violation of the FCRA and the FDCPA. I have received nothing from this company showing what this erroneous mark on my credit is about. There are XXXX accounts for {$690.00} and {$680.00}. Please take a look into this companies practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 a second dispute was completed on a collection showing on my XXXX credit report. The institution that has filed the claim. Is not an accredited business with the XXXX, you can not get any documentation from the company to verify the information. At no time did I enter into any agreement or accept the amount being filed against me. I have no letters, voice mails, missed calls, emails, text etc. to verify they even tried making contact with me prior. Complete fraudulent and false information.
Product: Debt collection

My most recent credit report has several accounts that appear to be unauthorized and incorrect. I request immediate action to block and delete these fraudulent accounts.
Product: Credit card or prepaid card

Citi Double Dash card, engages in unethical practice of issuing a high credit limit and promotions to get you to use the card, but as the credit is used they continuously decrease limit to it's just above usage amount creating a loop of decreasing your credit score and lowering your limit. Customer service acknowledged the issue, to no resolve, as they sight risk assessment, to which they cause.
Product: Credit card or prepaid card

I have a Pennsylvania pua relia card from us bank. It has been locked since XX/XX/2020. Ive called customers service about 18 times and they say they cant help me and there is nothing I can do to speed it along. Ive also sent ID and selfie to there ID web page about 8 times and the card is still locked. I now have almost 4000.00 on there and haven t been able to use any of it for 2 months. This is the only income I have because I cant work because of covid.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the following Credit Reporting Agencies ( CRAs ) : Experian, XXXX, XXXX, for non-compliance with federal law, specifically the Fair Credit Reporting Act ( FCRA ), resulting in significant harm to my rights as a consumer : These agencies have failed to uphold their obligations under the FCRA by inaccurately reporting accounts, refusing to provide adequate proof of verification for disputed accounts, and perpetuating inaccuracies that harm my financial standing and restrict my ability to exercise my constitutional rights. 
________________________________________ Summary of Allegations 1. Failure to Verify Disputed Accounts I have sent detailed correspondence to the CRAs disputing inaccurate and unverifiable accounts listed on my credit report. Despite my requests, they failed to provide evidence of proper verification for these accounts, instead responding with generic statements that the accounts have been " verified. '' This is a direct violation of the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ), which mandates a reasonable reinvestigation and validation of disputed information. 
2. Negative Impact on My Constitutional Rights These inaccurate reports are adversely affecting my ability to : o Access housing due to unwarranted denials based on credit checks. 
o Obtain financing for essential purchases. 
o Utilize credit as the true creditor, which is my legal and equitable right under federal law. 
The CRAs ' negligence has effectively denied me the right to fair access to credit and housing, constituting a violation of my constitutional protections. 
3. Violation of Federal Law By failing to ensure the maximum accuracy of the information reported as required under 15 U.S.C. 1681e ( b ) and failing to verify the validity of disputed accounts, the CRAs have willfully and negligently breached their obligations under the FCRA.
Product: Debt collection

This letter is to inform you that I recently viewed my credit report, and noticed you are reporting inaccurate information. 
I am requesting that you provided all information pertaining to this entry, the original application with my signature, proof of purchases. 
under the FCRA I have the right to have a copy of the requested information with in XXXX or have the entry deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

a lot of information is invalid on my Equifax credit report. I am interested in disputing all inaccuracies on my credit report to help my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last 4 of Social is XXXX Earlier this year, I filed a complaint against XXXX XXXX for not closing my account when I requested to close it, CFPB took action and XXXX  closed my card. 

Now, I am having a much bigger issue with XXXX XXXX. I was affected by COVID-19, XXXX  XXXX  asked if I needed help with payment and I requested for the relief but they continued to send me same email over and over again. I called XXXX and we went over COVID-19 relief program but, again, got several calls a day every day. On Monday XX/XX/2020, XXXX called again, the rep apologized and and we went over COVID-19 payment relief program one more time and he asked me to make a small payment by the end of next week which I agreed to do so. 
Today, I received an email from credit reporting agencies that XXXX has reported late payment and my score went down by 62 points. XXXX 's rep falsely promised and assured me that late payments will not be reported.
Product: Debt collection

This complaint is about Nationwide Recovery. On Monday XX/XX/XXXX I sent by certified mail to the address listed on my credit report a letter regarding the validity and verification of multiple debts listed on my credit report from this debt collector. To date I have not received any correspondence back. I also went to their website and emailed the email address they provide to get further clarity on the alleged debt. I emailed them XX/XX/XXXX. Both attempts at communicating have not been responded to. There are three accounts in question respectively in the amounts of {$190.00} opened XX/XX/XXXX ( XXXX and XXXX  ), {$240.00} opened XX/XX/XXXX XXXX XXXX  XXXX, {$130.00} opened XX/XX/XXXX XXXX XXXX XXXX. I have also disputed the accounts with the above credit reporting agencies with no resolution. I believe this company to be a scam due to their not ever being ANY EVIDENCE or attempt in response to me. It is very detrimental to my credit report to have UNVERIFIED debts listed and harmful to my score. I have attached evidence of my attempt to reach the company by certified mail and email.
Product: Credit reporting or other personal consumer reports

I started making payments on an account for my Self Visa card that had been charged off in XXXX of XXXX. None of my payments were reflected on my credit report, causing continued damage to my credit even when the balance was lower than reported. I paid off the account as of XX/XX/XXXX. I made payments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I reached out to Self about the balance never being corrected and they told me they dont have to update the correct balance until the account is paid off. I find this to be unscrupulous, they have updated the incorrect balance for over six months pushing my credit utilization to almost 40 % even as the balance lowered, I feel this is a gross violation of the fair credit reporting act. They should not be able to report an incorrect balance on my credit report for months without repercussions. They have held my credit score back considerably for 6 months and I want them to rectify there blatant wrong doings.
Product: Mortgage

Mr XXXX from AmeriSave Mortgage has mislead me. The website said there was not application fee. I told them I was retired and on limited income. This was not a problem when they took my {$500.00}. Now they say they need employment verification. I have sent them the stuff and they keep asking for it over. XXXX XXXX in the XXXX office never responded to my emails. The original mortgage rate has changed and I am still waiting. It appears that because I am retired this is now an issue. I have been employed part time. Their story keeps changing. I feel like they took advantage of me when I asked why it said no application fee on the web site and I was being charged an application fee Oh you will get that money back then it was you will get it back when the mortgage is finalized. This has been going on since XX/XX/2020 2020