23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This company has reported my account XXXX XXXX late and that is incorrect. I tried to make numerous payments but could not make payments through the website please investigate thoroughly to get everything correct and remove this now! 

Money lion Account : XXXX
Product: Credit reporting or other personal consumer reports

Identity theft!!! Proper documentation was sent to ( Transunion, XXXX, XXXX ) about these fraudulent accounts and transactions made over a year and a half ago. PoliceReports of identity theft, Identity theft affidavit, complaints of fraud and identity theft through cfpb, fcra, XXXX.These accounts are still reporting after validated documents was sent to all involved institutions. I would like information of how I go about starting an class action lawsuit against these deceptive practices from these credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX Dear Sir or Madam, I am writing in regards to my five XXXX XXXX Student Loans totalling {$64000.00} ( as of XX/XX/XXXX ). I have qualified and been making payments on a Rate Reduction Plan, as I, nor my cosigner, can afford to make the previously quotes full payment of over {$800.00} per month. 

After several conversations with customer service members, I was offered a Rate Reduction Plan of {$280.00} per month, and that amount has been automatically deducted from my checking account on the XXXX of the every month for the past year. However, last month, on XX/XX/XXXX, XXXX separate charges of {$53.00}, {$50.00}, {$49.00}, and {$47.00} were made to my checking account without warning or my consent. On XXXX, following these charges, my monthly payment of {$280.00} was automatically deducted as usual. As a result of these four unauthorized charges, my checking account was overdrawn and I had to reschedule payment on other bills. 

On Friday, XX/XX/XXXX upon discovering these extra charges to my account, I called Navient and spoke with a customer service representative. She informed me that the reason I was charged these extra fees was, " another team member processed the payment without realizing payments had been automatically scheduled. '' When I asked the representative how quickly the charges could be reversed, she informed me that my case would not be reviewed until XX/XX/XXXX and charges would not be reimbursed for at least 5-7 business days after that. 

As a result of these charges, the rate reduction plan was cancelled and I was told to call back to make my XX/XX/XXXX payment and re-apply for the program. On XX/XX/XXXX, I contacted Navient in order to re-apply for the Rate Reduction Program I have been enrolled in for a year, and was told by the customer service representative that they, " do not offer any sort of Income Based Reimbursement Program for private loans ; it is only offered for federal loans. '' When I disagreed and explained that I had been enrolled in this program for the last year, I was asked to hold and nobody returned to my phone call. 

I have submitted a previous complaint to the Consumer Financial Protection Bureau regarding the initial monthly payment of over {$800.00} quoted in XX/XX/XXXX, and I am prepared to submit as many complaints that are required in order to resolve this matter. 

Please feel free to contact me at your earliest convenience with any questions or concerns.
Product: Credit reporting or other personal consumer reports

The following accounts were used unauthorized. It affects my credit file and lifestyle. I need help to remove the following accounts from my credit report. 

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

I've emailed the XXXX XXXX for assistance about this matter that your companies holding this account over my, and interfering with my life in regards to obtaining a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried freezing my credit on XXXX/XXXX/XXXX at XXXX, Transunion, and XXXX  and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a store card with XXXX back in 2015. Unfortunately, I had a financial issue at the time, and the account was charged off. I have since recovered, and started addressing the results of the financial issues I had in the past. I called XXXX to pay the outstanding balance they are reporting on my credit report, but they refused to accept my payment. And although they refused to accept my payment, they still refuse to take the account listing off of my credit report. I want this account to show as paid on my credit report, but by refusing to accept my money to resolve the account, and also refusing to take the account off of my credit report, XXXX is holding my credit report hostage. Not only is this unfair, it is illegal. A company can not refuse to accept payment, and still continue to report as debt as unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2500.00}
Product: Debt collection

I received a notice of debt from California Business Bureau , Inc. about a bill that I partially paid and informed the clerk at XXXX that I was waiting on the second XXXX card less than 30 days ago. Having just returning from vacation on XX/XX/XXXX I received a letter dated XX/XX/XXXX. In the letter is states " If we do not hear from you within 48 hours from the date you receive this notice, we will assume that you do not intend to pay ''. This is a direct violation of FDCPA and further UDAAP causing a false sense of urgency, deceptive practices, and harassment. 

Engaging in behavior the natural consequence of which was to harass, oppress, or abuse the XXXX in connection with the collection of a debt ( 15 U.S.C. 1692d ) Using false, deceptive, or misleading representation or means in connection with the collection of a debt ( 15 U.S.C. 1692e ) Employing false and deceptive means to collect a debt ( 15 U.S.C. 1692e ( 10 ) ) Using unfair and unconscionable means to collect a debt ( 15 U.S.C. 1692f )
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I told them to stop calling me today, XX/XX/2019, over the phone. I have been getting frequent calls before XXXX, as well as throughout the day. They don't even check the account statement, they just go through a list of clients, harassing them to pay the minimum ( I paid of a significant portion of this a week prior to the call ). On top of that, they frequently use robodialing ( I get calls from them but nobody responds when I answer, just a silent call. When I call back it's their number )
Product: Debt collection

Dear Discover Bank, I am writing to request a debt verification letter for the debt that you claim I owe. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt before I make any payment or take any other action. 

Please provide me with a written and electronic statement that verifies the following information : - The amount of the debt - The name and address of the original creditor - A statement that you are authorized to collect the debt - A statement that you will provide me with documentation upon request I kindly ask that you provide me with the verification letter within 30 days of receiving this request. Please note that until I receive this letter, I will not make any payment or take any other action. 

Thank you for your cooperation. 

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

I did not authorize the credit inquiries below, please remove them from my XXXX and Equifax credit reports. I called XXXX, and they told me, I needed to file this report to have items removed. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

Opened Capital One Bank account in XXXX, 17 years ago. The last payment made on this account was made on XXXX/XXXX/XXXX, nearly 15 years ago. They continue to report this debt on my credit report even though it is way more than 7 years old, in fact it is twice that old. They appear to be doing this by re-aging the debt. The collection letters now come from " XXXX XXXX XXXX XXXX XXXX '' out of XXXX, XXXX. XXXX calls me daily, 7 days a week numerous times a day from numerous different numbers f ( XXXX from XXXX, XXXX from XXXX, XXXX, XXXX from XXXX XXXX XXXX. ) They even called me from the XXXX area ( a XXXX area code ) at XXXX at night on XXXX XXXX, XXXX. Is n't that against the law? The account # is ****************
Product: Mortgage

XX/XX/2020 at XXXX, loan amount changed from {$200000.00} to {$190000.00}. Discount points were increased from 1.155 % to 1.655 % an increase of .500 %. Closing was scheduled for XX/XX/2020 at XXXX. 
We were never informed of the changes. 
Chase exception department decided the changes and timing of the changes were because our Cash to Buyer at closing was too high. There is a limit of less than {$2000.00}. When the loan amount changed to {$190000.00} the threshold for points was higher so they added the .500 %. 
Our contention is we didnt request the loan amount when applying for the loan. The amount was decided by Chase. 
Changing the loan amount wasnt a problem for us but the addition {$980.00} in closing costs, and doing so without warning was grievous. 
We did close XX/XX/2020 after going back and forth with Chase. The decision to continue with the closing was difficult but we had worked for over a month to get this refinanced closed and were worried about interest rates. 
XX/XX/2020 we emailed a package to Chase escalation department outlining our complaint. They denied our complaint. Escalation ECW XXXX
Product: Debt collection

I am a victim of identity theft and I have been disputing information without knowing my true rights as a consumer. Per the FTC as a victim of identity theft the furnisher must delete and I have supplied the letter Notice to Furnishers. 

Per the Notice of Furnishers Information they must comply because of the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has had an item on my credit report for longer than the allowed time. This account was opened in  XXXX  and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had  XXXX  cars with  XXXX . After speaking with them and informing them that this account is inaccurately being reported as opened in  XXXX  when all the contracts state  XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in  XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in  XXXX  and not  XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a  XXXX  account opened in  XXXX  and all my documents show  XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with  XXXX   XXXX   XXXX  regarding this issue and was promised resolution but have yet to see it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my written request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me and you have previously removed but now it came back as a collection .Please block these account, note that there might some accounts that a not showing in my credit yet. I'm currently receiving collection mail from different place, I will report them as they come. I have follow the steps and filed an FTC complaint that is attach to this report well as my ID and SS. Thank you.
Product: Checking or savings account

I had a Wells Fargo account and was constantly charged overdraft fees unfairly.
Product: Credit reporting or other personal consumer reports

I discovered inquiries listed on my credit report for which I have never given consent. These are fraudulent and violate my rights to privacy. Remove them from my credit report immediately.
Product: Debt collection

Company has violated several of my rights under FDCPA. I have tried on multiple occasions to remedy these issues with the company but they refuse to cease from reporting false information to my consumer credit file. I have included not only a dispute to cease all communication with me to this company but i have also included a invoice and stated the laws that this company has violated my rights as a consumer for far too long. My ideal solution would be for this company to pay the invoice in full for inconvenience and humiliation they have caused me and to remove all information they have reported on my credit file and from the 3 main bureaus database as well as soon as possible.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I received a check for a truck I sold, drawn off Bank of America in the amount of {$12000.00}. I went to cash the check at the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, and was told they would not cash the check. Because I was not a client, they told me I could open a " new '' account, but there would still be an extended hold on the check since it would be considered new. Why would a bank place a hold on their own check? I was also told I could go to my own bank, if I had a bank account, and deposit it there. I was at the branch location for at least 45 minutes and spoke to several bank employees but no one could assist me. I then tried to call the B of A headquarters number, XXXX XXXX but was not able to get through since I was not a current client. If you are not a current client of B of A, there is no way to reach their headquarters since they ask for account numbers, debit card numbers etc.. I had a friend of mine call the " headquarters '' number since she banked there, and was then directed to a call center in XXXX Arizona and she spoke with a XXXX. She presented him with my scenario and was told that back in XXXX of XXXX, B of A had changed their policy and would only cash checks for non customers up to {$4000.00}. She then asked if a check was over {$4000.00}, could the remainder be given out in a cashiers check. She was told no. There was no other alternative other than depositing it into my current bank account at another bank or opening an account at B of A. When she persisted in asking as to the rationale for this decision, not one could be given. B of A stated that XXXX Bank had implemented this policy and B of A decided to follow suit. This is quite discriminatory and forces a non customer with no bank account to open one. How is this legal?
Product: Credit card or prepaid card

Me and my wife went into XXXX XXXX to return several pair of pants which she purchased previously. When we got to the service counter my wife took out her credit card as did I also for the credit process. The lady who was waiting on us told us that she did not need the credit card to process the return. At that time I thought that I had put my credit card back in my wallet, but in actuality I probably dropped it. When we got home I was looking in my wallet for something and realized that my credit card was not there. It was gone??! I immediately called Sears MasterCard and reported the incident. I asked the lady that I was speaking to if there was any charges made on the card, which would have told me that someone else had found it and used it, and she said that {$950.00} had been charged on the card, unauthorized by me!!! I was flabbergasted that someone could have used my card in such a short time, I have been a Sears MasterCard holder for 50  years and find it hard to believe that they would think that I go to all this trouble for a mere {$900.00}. I am a XXXX and would never think of taking something that does not belong to me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

I received a loan for my vehicle and I was never issued mail or a call saying my mail was sent back to the finical company and my first bill was due on XX/XX/XXXX which I made the payment on time but they still said I was overdue and that overdue payment dropped my score tremendously. The other complaint is my credit card company said they were going to stop the payments to my card that I have n't used and paid off about 3 months ago but still have to make payments every month.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts are not mine the name XXXX XXXX XXXX XXXX XXXX are not mine addresses other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are not mine never lived there I have sent documents such as XXXX, BIRTH CERTIFICATE AND RENTAL AGREEMENT showing support yet the 3 credit bureaus will not remove info that is false which is giving me bad credit there's also inquiries like XXXX showing up if the acct is there why would I have them run my credit report
Product: Credit reporting or other personal consumer reports

My mortgage was initiated with XXXX XXXX XX/XX/XXXX. I was told by the XXXX XXXX in XXXX my loan would be transferred to Freedom Mortgage so the payment I make would be transferred. I called to ensure I was paying in advance to get the option to pay every XXXX weeks split payment of XXXX. 
I made a payment to XXXX XXXX for my first month on XX/XX/XXXX. XX/XX/XXXX I received my payment disclosure showing a discrepancy which I contacted XXXX XXXX to discuss the transfer amount. 
I paid XX/XX/XXXX in full for XX/XX/XXXX which the account was due at that time. I contacted freedom mortgage which they said I pay in advance so I am always ahead. 
Moving forward, XX/XX/XXXX I have autopay in which the FIRST payment was MISSED, but I was already in advance. 
My next withdrawal occurred with no problem for that month. 
I checked my credit and it showed I was delinquent which in fact I was already paid in ADVANCE. 
I contacted Freedom Mortgage which a supervisor. Stated they would resolve this and you are not late. 

I then inquired about the option to safeguard my credit using forbearance but I NEVER SIGNED since I didnt want to use it since my credit was already impacted. 
I waited for the representative to contact me back after XXXX weeks I contacted them back with no changes and no documentation noted, I proceeded to mail all the documentation to the creditors and Freedom Mortgage on or around XX/XX/XXXX. 
I paid on time, the servicer then still reflected my credit inaccurate along with my payments applied correctly, stating they only see the escrow payment transfer from previous company. Please see my payment for escrow ( XX/XX/XXXX ) and payment for mortgage on XX/XX/XXXX. 
The company took my escrow and applied partial half payment to my payment for month of XX/XX/XXXX, then reported me as late for full month XX/XX/XXXX. I paid the balance XXXX for partial they stated was late asking them to have accounting contact my first servicer, XXXX XXXX and find why my payment is showing late if I could ONLY GET ON A BIWEEKLY PLAY IF YOU PAY IN ADVANCE A TOTAL OF 1 MONTH PRIOR. 
I paid over {$15000.00} for XX/XX/XXXX for next XXXX MONTHS. 
The company then said I was on a forebearance plan and would not report my credit as paid even though I PAID AND NEVER SIGNED ANY DOCUMENTS. My credit reporting accounts shows late indicator XXXX which is XXXX DAYS LATE. 

I never signed forebearance documents ; I paid advance 1 month prior to start of loan on XX/XX/XXXX but my credit now dropped XXXX to XXXX overall.
Product: Credit reporting, credit repair services, or other personal consumer reports

A lot of inquiries that I have not approve. With XXXX, XXXX and TransUnion