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

The billing information for my promotional balance of my credit card was not provided via the account webpage that purported to contain all of my account information resulting in me being charged {$400.00} in interest that could have been avoided had I been provided with the same information provided in billing statements. I signed up for paperless billing and I am directed to the homepage of my profile each month to make my monthly payment. I do not see the " paper statement '' that is sent nor am I prompted to review said statement prior to making my payment. Instead, I visit my account home page that contains my transaction history, payment information, due date, etc. I also look for messages regarding my account in the electronic messaging system. To my surprise, having received no notice via the messaging system or my account homepage, I have been charged over {$400.00} in interest because of promotional balances that have allegedly not been paid off. I did not receive anything electronically notifying me that the expiration period was upcoming or that I risked being charged these amounts. Had I known of these issues, including the fact that there was remaining balance on the promotional amounts, I would have made sufficient payments to avoid these interest payments. It is disingenuous that the homepage purports to represent pertinent account information, but this issue is hidden in a statement that requires to be downloaded. This information should be readily available on the account homepage as is all other important account information. It should be far harder to find what my XXXX Rewards balance is than to find information that exposes me to {$400.00} plus in interest. <P/>The failure of the resolution of this matter has led my account be over the limit and the cardholder closing my account without notice.
Product: Money transfer, virtual currency, or money service

Wrong email was provided and I XXXX  {$400.00}. Called my bank they couldnt help me and told me to speak to XXXX all they did was a claim but never returned my money back.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$12000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The following address, names ect must be removed from credit report as the are incorrect. 


DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( correct address is " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( remove the XXXX XXXX ) ) DELETE : " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' ( correct address is " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( Add a XXXX XXXX XXXX' ) ) DELETE : " XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( was my XXXXXXXX no longer own, not residence ) DELETE : " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( My mother and fathers old house not mine ) DELETE : " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' ( NEVER LIVED THERE ) DELETE : XX/XX/XXXX ( XXXX ) NOT MY XXXX DELETE : XXXX XXXX XXXX, " XXXX '' IS MY MIDDLE XXXX NOT " XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to remove 2 hard inquiries on my credit report. Even though both companies have admitted to Equifax that they were fraudulent. 
XXXX and XXXX have admitted the problem and both have said they have contacted Equifax to no avail.
Product: Credit reporting or other personal consumer reports

I am appalled by the inaccurate accounts on my credit report that clearly belong to someone else. This mix-up has severely impacted my score and finances, and I have repeatedly reported this issue, only to be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccurate late payment reporting on my credit reports associated with XXXX Account [ Account Number : XXXX ]. This account is listed on my credit report twice, showing two different amounts for the same account, and it also inaccurately reflects late payments. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), and I request immediate corrective action. 

The FCRA, a federal statute governing the accuracy and fairness of credit reporting, provides specific guidelines that must be followed by furnishers of information like XXXX XXXX : 1. **Accuracy of Information ( Section 623 ( a ) ( 1 ) ( A ) ) ** : The FCRA mandates that furnishers provide accurate and complete information to credit reporting agencies. I assert that the late payment reporting on my credit reports is inaccurate and does not reflect my payment history accurately. 

2. **Duty to Correct and Update Information ( Section 623 ( a ) ( 2 ) ) ** : The FCRA places an obligation on furnishers to promptly correct and update any information found to be inaccurate. As the late payment reporting is erroneous, I demand that you correct this information immediately with all credit reporting agencies that have received it. 

3. **Investigation of Disputes ( Section 611 ( a ) ( 1 ) ( A ) ) ** : Upon receiving notice of a dispute from a consumer, the FCRA requires furnishers to conduct a reasonable investigation into the disputed information. I hereby formally dispute the late payment reporting on my XXXX account, and I expect you to initiate a thorough investigation into the accuracy of these entries. 

4. **Time Limits for Investigations ( Section 611 ( a ) ( 1 ) ( A ) ) ** : The FCRA mandates that furnishers must complete their investigations within 30 days of receiving notice of a dispute. I insist that you adhere to this time frame when conducting your investigation. 

Failure to comply with the FCRA could result in legal action against XXXX XXXX. If these inaccuracies are not promptly resolved and corrected, I am prepared to take legal action to protect my rights under the FCRA. 

I request that you promptly investigate and correct the inaccuracies in the late payment reporting on my XXXX Account [ Account Number : XXXX ], addressing both the duplication issue with two different amounts and the inaccuracies in the late payments reporting. Please provide a detailed written response to me within the time frame stipulated by the FCRA, outlining the results of your investigation and any actions taken to rectify the inaccurate reporting. 

I am committed to ensuring the accuracy of my credit reports, and I anticipate your full cooperation in this matter. Please be advised that legal action will be pursued if XXXX XXXX fails to rectify these inaccuracies promptly and in accordance with federal law. 

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

I found XXXX XXXX XXXX through the websites XXXX and XXXX. Those websites allow you to apply and obtain preapproval without affecting your credit report. I filled out the application on XXXX of those when I saw a car at XXXX XXXX XXXX that I was interested in. This all happened the first week in XXXX that week I found a car at another dealership and purchased the car. I was there made aware that I had a hard inquiry on my report from XXXX XXXX XXXX I contacted them immediately knowing that I did not apply directly for credit with the company. I asked them to remove the hard inquiry because I did not approve the inquiry. They stated I did apply online on XX/XX/year> at XXXX XXXX to which I responded that was not true because I was not at my computer and I had already purchased a car so there would be no need for me to apply for credit at that time. I was told by XXXX to have the IP address checked. Please investigate!!

The other two inquiries mentioned in the report were not authorized. Please report accurate information to my credit report as required by The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.,
Product: Credit reporting or other personal consumer reports

I am writing to formally report a violation of my consumer rights by XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX  which conducted an unauthorized inquiry on my credit report. This action contravenes my rights under the following consumer protection laws : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b Under this statute, entities are only permitted to access a consumer 's credit report with express authorization or a permissible purpose, such as an existing credit relationship or a court order. In this instance, XXXX XXXX  conducted a hard inquiry without my authorization or a valid permissible purpose. 
The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d and 1692e The FDCPA prohibits debt collectors from engaging in unfair or deceptive practices. Initiating a hard inquiry without my consent constitutes both an abusive practice and a misrepresentation of their legal rights. 


Thank you for your time and attention to this matter. I look forward to your prompt assistance in resolving this violation of my rights. 

Sincerely, XXXX XXXX
Product: Student loan

I am really hurting financially and have XXXX XXXX XXXX XXXX XXXX XXXX. The doctors are researching other issues. I am unemployed and living with my parents who are on social security and in their XXXX 's with serious health problems. I filled out an application for the RP program and sent it with XXXX checks. They have not posted it yet and I am getting collection calls. XXXX from an agency that I have never heard of. The point is that XXXX of my loans is with the National Collegiate Trust. They buy and sell loans, I find this to be unethical. Well they can not give me my original promissory note due to my understanding they do not know who owns the note. My family can not continue to pay these loans. i am meeting with a XXXX attorney and eventually will not be able to work. AES has been terrible to work with and they will not let me talk to my loan servicer me who it is ; it has been changed to my understanding. National Collegiate Trust I believe owns part of it or should I say buys and sells loans. So that investors can make money of my back of struggling to survive. That is twisted and unethical. My parents are in their XXXX 's and XXXX as well ; we can barely survive right now. The future looks bleak with the imminent collapse of the stock market and economy.
Product: Debt collection

15 US CODE 168 1B I NEVER GAVE ANY PERMISSION TO REPORT ANYTHING 15 US CODE 1681 C-1 YOU REPORTING ON ME IS IDENTITY THEFT 15 US CODE 1681 C-2 STATES YOU MUST REMOVE WHATEVER YOU GOT RESPECT THE LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be corrected or deleted immediately : 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I have a student loan with Nelnet that I started paying in 2012. At that time, the monthly payment was {$220.00} per month for more than three years. Then, without any notification this increase to {$330.00} per month. Now Nelnet increased to {$370.00} a month. This is a high amount that I have had difficulty paying. I contacted Nelnet and they did not give me any convenient option to make my payments in an affordable way. In addition, they informed me that the loan will be paid in full within ten years from now and this was the same information I was given when I started making my payments in 2012. The total of my debt is {$25000.00} and in ten years I'll end up paying about {$45000.00}. Nelnet must provide accurate information about the payment plans and respect the established conditions.
Product: Debt collection

sunrise credit services reported debt collection to the credit bureaus on XX/XX/19 I have sent a request for validity of this debt with no response from this company I have never done business with them and I don't owe this debt
Product: Credit reporting or other personal consumer reports

I sent a dispute via mail to the credit agencies and it looks like they did not process my dispute. Unfortunately I didn't send it certified mail as I didn't believe I needed to. The dispute was about a charged off account that wis reporting inaccurately on my reports. Additionally, the information is incomplete. See attached. For those reasons I believe that the information is also unverifiable. Pursuant to section 611 ( a ) ( 5 ) I am demanding that the credit reporting agencies deletes the account from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with  XXXX   XXXX  debt solutions since  XXXX -2016. Payments have been made on time every month to all credit card companies. I discovered that a lot of the credit card companies were reporting me late, so I sent in a dispute. It looks like all of them fixed the reporting issue accept   XXXX   XXXX   and  XXXX   XXXX .   XXXX   XXXX   shows I have never made a payment on time now which is completely wrong and   XXXX   XXXX    still is reporting me late and that is wrong. The only month that should have been late was  XXXX . From  XXXX -2016 to current all payments have been made by the debt management company.
Product: Credit card

I had a credit freeze on my ssn, I forgot about it and applied for the pre-approved creditcard. Then I got a reply saying that we can not approve your card at this moment, the reason for that will be send through the letter. And there is no indication that the application was on hold as of now. I recollected my memory and found that ssn was on freeze and I submitted my application 2nd time for creditcard after ssn was unfrozen. This time I was denied again saying multiple applications submitted for the same credit card. I reached out to the banker 's credit card services team and tried to explain what has happened and asked to process the first application using the second application credit report that was ran successfully. But Banker said, she can not do that since everything was automated and there is no manual intervention. And she asked me to contact the credit bureau to dispute the second credit report which was ran unnecessarily. 
The following is the vendor information. 
Scoring system name : Chase Proprietary Score Source : JPMorgon Chase Bank, N.XXXX. 
Date Calculated : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the following information XXXX supplied to XXXX, XXXX and Experian. The XXXX account shows as Derogatory for 30 days in XX/XX/XXXX. 
This item on this account is inaccurate because this loan was transferred from XXXX XXXX XXXX to XXXX Bank, effective XX/XX/XXXX and Federal law states XXXX  can not treat payments received on time by the original servicer ( XXXX  ) as late during the first 60 days after the effective date of the transfer ( XX/XX/XXXX ). This information is also stated in the XXXX welcome letter ( see enclosed welcome letter ). 
On XX/XX/XXXX I closed on the mortgage loan with XXXX XXXX XXXX and set up automatic payments to XXXX to start XX/XX/XXXX in the amount of {$3900.00} per the enclosed XXXX  First Payment Letter and Payment Coupons. XXXX received the first payment on XX/XX/XXXX, which is within the allowed grace period, and forwarded the XXXX payment to XXXX. XXXX received the XXXX payment on XX/XX/XXXX from XXXX and treated it as 'unapplied funds '. 
XXXX received a 2nd payment on XX/XX/XXXX and forwarded on the payment to XXXX. XXXX called me and informed me that I had a new servicer and new place to send payments. I was given the number to contact XXXX. On XX/XX/XXXX I called XXXX to get my account information and to update my mailing address. 
As can be seen in the account notes, I spoke with XXXX and she confirmed two amounts had been received from XXXX but they were not applied to the loan correctly and were considered unapplied funds. We determined the payment amount had increased with the loan transfer based on an increase in the home owners insurance premium. 
On that call on XX/XX/XXXX, I made a payment over the phone in the amount of {$650.00} to complete the two full payments, {$320.00} to be added to the XXXX payment and {$320.00} to be added to the XXXX payment. As of XX/XX/XXXX the account was up to date. 
I have requested numerous times that XXXX Bank have the derogatory item removed as Federal law states XXXX can not treat payments received on time by the original servicer ( XXXX  ) as late during the first 60 days after the effective date of the transfer ( XX/XX/XXXX ). Additionally, XXXX states on the website : You will not be charged a late fee for 60 days, and we will not report your account as delinquent to the credit reporting agencies during the first 90 days following your loan transfer. 
XXXX reported my account in XXXX as 30 days past due which does not comply with Federal law or the XXXX policy for mortgage transfers and this has wrongfully impacted my credit. 
I have and can provide copies of the derogatory item on my credit report, the XXXX First Payment Letter and Payment Coupons, the record of payments made to XXXX, the Welcome Letter I received via email on XX/XX/XXXX, the XXXX 90 day mortgage transfer policy, the legal statute of mortgage servicing transfers, and XXXX  account statements from XXXX, XXXX & XXXX showing the payments received but unapplied which support my request.
Product: Debt collection

IQ DATA INTERNATIONAL INC. appeared on my credit this debt is not mine. looks like I am a victims of fraud or Identity theft
Product: Mortgage

Shellpoint Mortgage Servicing took over my mortgage in XX/XX/XXXX. I received a letter saying everything on my account would stay the same and there was no action needed by me. I started contacting Shellpoint Mortgage Servicing in XXXX of XXXX when I received my property tax statement because my escrow account is set up for my property taxes and my homeowners insurance. Several times I was told various different answers- they would send a check to me, they would send a check to the county I live in, they would send an electronic payment to the county. I contacted Shellpoint on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I spoke to a supervisor who told me my escrow account was only set up for my insurance and not my property taxes. This is incorrect as I have had my escrow account set up for property taxes and insurance set up this way for 22 years. The supervisor said they would do an investigation to see if my escrow should have been set up for my property taxes and if so, they would pay them AND they would pay the interest charges I was about to get because the property taxes were past due and the interest charges would not come out of my escrow account -- it would be paid by Shellpoint Mortgage Servicing. I asked to receive a phone call when the results of the investigation were done and what was going to be done about my property taxes be told to me but the supervisor refused to schedule any call or note my account that I should be notified. I have found that they did in fact pay my property taxes on XX/XX/XXXX but they did not pay the interest I was charged due to the past due status of my account.