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

I dont recognize these credit inquires and I have asked for them to be removed and the bureaus did not do as I have asked. I am providing identity theft report and I am requesting for them to be removed because they are inaccurate and not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXXBalance Owed : {$7100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance 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 instructions. Excessive interest fee charged illegally
Product: Debt collection

Today XX/XX/2019 First time I tried to call this company that has negatively impacted my credit it appears since XX/XX/2019. 

I contacted this company via telephone to get some understanding or dispute it if possible and I was connected eventually to a person named XXXX I was told. Her real name despite asking and even speaking to someone under her named XXXX lied and told me it was XXXX not XXXX or even XXXX - unsure of who is in charge at the place affecting my credit negatively upon first call ever. You can probably see based on what I have just said how this doesn't sound good. Never the less I was told she doesn't have a supervisor and later that the supervisor she doesn't have doesn't take calls from the floor. I asked for that persons name over and over and was refused to be given an answer - the person that lied about how her named was spelled numerous times and clarified if this was the full spelling and accurate spelling and lied over and over is named XXXX - some guy apparently after trying to get the owners name of the company since the person in charge is just hanging up on me and her employees under her just lie about who you are speaking to this has gone absolutely no where. I can not believe people could act so immaturely after calling about something this serious. I have since filed complaints everywhere possible except the County today and I will be mailing off my complaint to them tomorrow. There is no excuse for people acting this way and not being able to get information when calling about something that has this much of an impact on someones life. They clearly feel they can say or do whatever they want with no reprocussion. I feel bad for anyone that has a substantial amount owed from these people. I have since reached back to the DR office that initially reported this and explained what happened when calling them for the first time and am supposed to get a call back by end of business today about what they can possible due regarding the account at hand and the non sense mentioned taking place by these less than responsible people at PLUSFOUR inc in XXXX XXXX nv. Thank you
Product: Debt collection

Today XX/XX/20 I checked my credit report via XXXX when I noticed my score went down. I went to review the changes I saw that SouthWest credit system was on my report for XXXX I immediately disputed the information via XXXX  and call said company. My first question was why was I not informed on the debt. The rep stated they just received the information about a month ago. This still did not answer my question. I requested an manager. I spoke with an XXXX whom stated that in Florida they do not have to give a notice about said debt before placing the acct on my credit report. I know this is not true as I believe I am given the ability to dispute the charges. I have already reached out to the original creditor whom is during an informal investigation. However I feel this company violated the fair debt collection practice act.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I identified some incorrect information. The three credit bureaus are obliged to verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unauthorized to report unverified accounts without providing proof within the required period by law. Please investigate and correct the following accounts 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
Product: Credit reporting

Todays date : XX/XX/XXXX Dear To Whom It May Concern : TransUnion XXXX XXXX, CA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, GA XXXX I recently pulled a copy of my credit report and found that you are reporting the following account on my credit report that should be removed immediately. At one time I was an " Authorized User '', however, I requested to be removed as an authorized user a very long time ago. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$19000.00} REV {$14000.00} MIN {$290.00} {$0.00} XXXX AS AGREED XXXX AUTHORIZED USER XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4500.00} REV {$2200.00} MIN {$64.00} {$0.00} XXXX AS AGREED XXXX AUTHORIZED USER Per the Fair Credit Reporting Act, if I am not a joint owner, or co-signer of an account it should not be reported on my credit profile. I am requesting that you contact the creditor to confirm that I am not an owner of this account and that I am no longer an authorized user, and remove it from my report as soon as possible. 
I look forward to receiving a copy of my corrected credit report. 
Thank you for your help. 

Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL XXXX
Product: Credit card or prepaid card

I filed a claim ( XXXX ) on XX/XX/2021 with Chase Card Benefits services under purchase protection for an amount of {$7300.00}. After filing the claim, I received an email that I would get a status of the claim back in 5 business days. I waited for 5 business days and contacted XXXX XXXX XXXX ( via phone ) around XX/XX/2021 and was asked to wait for another XXXX days. 
After a lot of back and forth, on XX/XX/2021 I received an email that my claim has been moved to adjudication and I should wait for another 5 days. Then on XX/XX/2021, I got an email that my claim is approved for {$1000.00}. I called customer care, immediately, asking for the clarification as to why my claim was approved only for {$1000.00} while I filed it for {$7300.00} and I was given a reason a WRONG reason ( that my benefit limit is {$10000.00} per year buy, it is {$50000.00} per year ). I then requested for a call back from the claim XXXX to understand the right reason behind {$1000.00} claim approval and I was asked to wait for 1-2 days. 
I never got a call back and I called customer care again and I was then given another reason behind the {$1000.00} claim approval. I again asked for a call back from claim XXXX and was again asked to wait 1-2 days. By XX/XX/2021, I called customer care multiple times and requested for a call back from claim XXXX but that never happened. 
Here are a few reasons that I have got, so far, from the Chase your team for my {$1000.00} claim approval as against {$7300.00}. 
XXXX. My card has an annual {$10000.00} limit and I have exhausted the limit XXXX. We only pay the deductible of your home owners insurance and that is {$1000.00} 3. This kind of loss is only covered up to {$1000.00} And all of this is WRONG, as per my benefits guide that I had received along with my card. I had already filed a claim with my home owners insurance and they provided a settlement letter explaining that my home owners policy only covers {$1000.00} for this loss. 
I have requested, several times, that I would like to talk to the claim XXXX, but I never got a call back. 
I finally connected with a supervisor ( XXXX XXXX and he agreed that there is something wrong with my claims decision. He mentioned that he is going to reach out to the leadership team and come back to me the same day ( XX/XX/2021 ) or, XXXX, the next day BUT I never got any call back. 
I am now stuck here, trying to get an explanation on why my claim was only approved for {$1000.00} and not the full claim amount, and sending this complaint to see if I will get the CORRECT explanation behind the {$1000.00} reimbursement from Chase card benefits while my claim was for {$7300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried going through the centralized website XXXX and then through XXXX to get my credit report as I believe I am the victim of identity theft. 

Neither are willing to help me even though I verified all the credit information questions over the phone for XXXX. Since I am living abroad in XXXX where I am a student, they are refusing to help me see my credit or to mail the credit report to either me or my family. 

They are negligent in their responsibility to help me and are endangering me by being irresponsible and now I am unable to act to secure my credit or my identity. 

The US government should fine these companies and provide a public option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXFailure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Product: Mortgage

Good day, once again, XXXX the company that you had pay XXXX XXXX in fines, and redress to customers in XXXX, continues to erroneously code payments incorrectly. I was making my next to last monthly payment of XXXX for XXXX to include my principal, and escrow payment. I was scheduled to make my last payment in XXXX after they had sent out my tax payment to XXXX XXXX taxes of XXXX dollars. I purposely delayed paying off my home because of the thousands of complaints filed against this company of fraud, and tying up deeds, and escrow refunds. I had agreed with XXXX on Friday, XX/XX/XXXX, to make a regular payment, then payoff my home in XXXX. Mr. Cooper sent it all to my principal, paying off my loan, and offering no information on escrow, pay off, or anything else. I am a single mother who lost her job, in XXXX, and have been struggling for years. I do not have the XXXX dollars lying around to pay my own taxes while they pay me back my escrow at their leisure. Please help me. I need my payment recoded, or them to pay the taxes early as I know that they have already received the statement. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. Loan number XXXX. I can be reached at XXXX, or XXXX. Thank you for your time. Please do not close this complaint again, they did not help me
Product: Debt collection

XXXX DIAGNOSTICS XXXX {$430.00} XXXX XXXX {$150.00} XXXX Lab {$150.00} These invoices were paid and covered by Insurance and still reflecting on my credit. I have called the companies and the physicians stated insurance was paid and should have reflected XXXX and off my report, but it is still showing on my credit report. XXXX will call me back nor correct this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called the CapitalOne customer service department multiple time ( s ) during XX/XX/2017 where I had made payment arrangements to include an agreed upon payment so that no adverse mark would have been reported. More specifically, I had inquired multiple times that this agreement would not have the consequence to impact my credit score poorly. I was assured that this agreement would not adversely impact me with all respective credit reporting. However, I continue to receive these dates reflect 30 days late for XXXX and XX/XX/2017. 

I tried writing letters, calling them, and disputing through the credit bureaus without resolve. 

Please help as I have attached my letter that I have sent them!
Product: Credit card

Santander credit card charged interest on the negative balance after the balance on a card was paid in full.
Product: Debt collection

I was contacted on XXXX XXXX, 2016 by XXXX XXXX ( or XXXX XXXX ) from XXXX XXXX. She told me that i should contact XXXX XXXX XXXX immediately or I will be served tomorrow. I called that agency immediately with that number XXXX. I spoke to a woman that asked for my reference number ( XXXX ) and transferred me to a lady name XXXX XXXX ( or XXXX ). This is the second time this company has contacted me. The first time was XXXX, 2016. They claim that they sent me letters in regards to this matter, which I never received. When I told that I never received them, she called me a liar. I asked for which court was this claim filed. She first said it was Superior Court in XXXX, XXXX. There is no such thing and I questioned that. But she continued to tell me that she meant Superior Court in XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX and the number of the court. I asked for the case number instead she gave me the same reference number. I specifically asked for the case number and she said I will receive all that information tomorrow when I get served. Anyway I looked up that same reference number in XXXX, XXXX, & XXXX and it does n't exist. There is no case that has been filed against me and according to my credit report my account is paid in full and closed. I am tired of the harassment. They keep calling my mother 's house and now they are calling my cell phone as a " Restricted '' call. I do not know why they are telling me that I have a debt because I do not.
Product: Student loan

After my loans moved to Mohela from XXXX. After the first XXXX payments, I realized that my loan amounts were incorrect. 

In XXXX of XXXX, I called and provided the record of my account with fedloan which showed that my payment was lower in XXXX of XXXX. 

Mohela offered no explanation for this difference. When asked, they told me they didn't know my income, they couldn't explain how my payment amount was calculated and they didn't know what my repayment plan was. 

Because the payment was incorrect, I requested an administrative forbearance in accordance with the Dept of Education 's instructions. 

After trying to convince me to recertify my income, they told me to put my account in forbearance for 1 month so they could investigate the issue. 

After XXXX month, they restarted my auto payments without contacting me. I called to stop the payment. They told me that they could not stop the payment but they would refund it immediately. To date, the payment has not been refunded and it is not showing up as a payment in my account. 

After this incident, I called several more times to try to correct the above and a variety of other account issues. The issues include correcting my payment amount, correcting my repayment plan to XXXX, reimbursement of the incorrect payments, and inappropriate capitalization of interest. 

I sent a final message on XX/XX/XXXX summarizing all of the issues that I've experienced. In response, I received a message it would take another 90 days to respond, they've kept my account in repayment and continue to send notices of late/missed payments. 

This is a summary of the relevant facts that compose the essence of my complaint against Mohela. I have witnessed several other behaviors that may be concerning including the suggestion that I could recertify my income at any amount ( even if it wasn't accurate ) if I agreed to switch to the XXXX plan.
Product: Credit reporting or other personal consumer reports

During XX/XX/XXXX I made a credit transfer from my XXXX XXXX Credit Card to pay off a Macy 's balance of {$1000.00} XX/XX/XXXX I received a call from Macy 's indicating they did not receive my payoff and I needed to pay {$120.00}. I paid the amount and closed out the Macy 's account. 
XX/XX/XXXX Macy 's started reporting me late so I disputed this with all three credit companies with a copy of the letter from XXXX XXXX that the amount of {$1000.00} was paid. 
As this is going on Macy 's kept my account open but increased my credit limit on a closed account. 
I reached out to Macy 's through there dispute information in XX/XX/XXXX. 
During this time Macy 's reported back the amount was correct and I owed the money. 
After repeatedly disputing the amount being paid off during XXXXXXXX XXXX XXXX, Macy 's agreed the account was closed by customer and applied my XX/XX/XXXX payment during the month of XX/XX/XXXX and credited me around {$35.00} credit for late fees. 
During the month of XX/XX/XXXX I was not report to the three credit bureaus as delinquent but they raised my credit limit on a closed account and stated I owe {$200.00} plus dollars. 
Today is XX/XX/XXXX and Macy 's has been reporting me again delinquent to all three credit bureaus since XX/XX/XXXX. My credit score is ruined I have proof of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are reporting inaccurate and unverified information to my consumer report without my written consent. I have also been affected by the recent news of inaccurate reporting from XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1400.00} Late Payment XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX  {$9600.00} XXXX XXXX XXXX XXXX XXXX  {$0.00}
Product: Credit reporting

I had a fraudulent account on my credit report. I placed a fraud alert on my credit report with all XXXX agencies through XXXX. Then tried to dispute the account with all XXXX agencies independently. XXXX and XXXX had phone numbers to contact directly and dispute the charge immediately. However Experian lists phone numbers that are purely automated ( no option for an agent, hangs up after ) referring to the website. Tried the file a dispute on the website but i needed a copy of their credit report. I tried putting in my information and it told me " they are unable to honor my request '' and that I would have to submit in paper through the mail a request including all my personal and private information including social security number, date of birth, address and potentially money to buy a report. I already have a report through a different group, i do n't need a report. I just want to dispute a charge but there is no way to get this done directly. This is a consumer business that handles my credit information and is essentially holding it hostage to make a fee on a credit report. How is it possible that there is not a direct phone number to an agent required for this business?
Product: Debt collection

On XX/XX/year>, I received a letter from American Coradius International, LLC, a debt collector, trying to collect {$750.00} they claimed I owed to XXXX XXXX XXXX XXXX 

I DO NOT owe XXXX, XXXX any such amount. 

I called XXXX XXXX support and they confirmed that I have a XXXX balance. 

I also checked my credit report and there is no report of this collection or supposed debt.
Product: Student loan

XX/XX/XXXX AmeriTech contacted my cell. They had all my personal information, including my social security number. Not knowing I went along and set up to what I thought to be a repayment to my student loans. Fast forward to XX/XX/XXXX, I felt that there should have been some sort of decrease in what I owed towards my XXXX XXXX school loans. Not one penny was put towards it. AmeriTech became harassing. They called everyday, same time and emailed everyday. When I called to confront them, they were nasty, I have saved emails.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC XXXX and XXXX XXXX XXXX Dear XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Money transfer, virtual currency, or money service

Coinbase.com recently had an 'technical error ' resulting in many users having their personal bank accounts that are tied as a payment method to Coinbase deducted in amounts varying from person to person. 

The charges are all posted on XX/XX/2018 Time/amount XXXX - {$50.00} XXXX - {$100.00} XXXX - {$140.00} XXXX - {$220.00} XXXX - {$300.00} As of this report I am now subject to five {$35.00} overdraft fees per day and I'm attempting to work something out with my bank, as these charges will continue daily. 
These charges mirror some of my Coinbase purchases that I previously made. 

Coinbase costumer service has not responded to my inquiry on their site.
Product: Credit reporting or other personal consumer reports

There is an auto loan that was taken out on XX/XX/2018 in the amount of {$5600.00}. The loan is through new city funding. It was partially paid then charged off. This is not my account and most definitely fraud. You cant even buy a new car for that price. It shows that its an SUV. I have never owned an SUV in my life. I disputed it, but the company maintains that its my loan without providing the proof Ive requested. They simply ignore me.