23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

TDBank 's website said any account opened online and not funded within 45 days would automatically be closed. I tried to open one account, and their system opened three in my name. I never put any money in any of them. After a month, I got a statement with a service fee indicated for each. I called and tried to close the accounts, unsuccessfully. I went to my local branch and was assured that the accounts had been closed. Just got another three statements, now indicating negative balances of {$32.00} each. 

When I call, I am told I must go to a branch. When I go to a branch, they apparently can't close the account. It's Catch 22.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute the bankruptcy reporting on my Experian, XXXX and XXXX credit reports in connection of a violation of the fair credit reporting act. Account : XXXX XXXX XXXX XXXX XXXX Please remove account immediately. account is reporting in error. 

15 U.S.C 1681 section 602A states that I have a right to privacy..

15 U.S.C also states that can not be furnished without my written consent Remove this account or provide my written consent to publish
Product: Credit card or prepaid card

Earlier in th month of XXXX I worked with American Express on a card that was opened in my name. Amex removed the account from my credit report and verified the application was accepeted as a result of fraud. This has unfortunately impeded my ability to obtain a business loan back in XXXX earlier of this year. I am happy with the results of the findings, but as a results of this account opened & being charged off I was not able to obtain ledning from a lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2022 or provide proof in writing within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute latter 30 days ago, and still havent received any updates yet.
Product: Mortgage

We took out a 5 year ARM with Chase ( JPMorganChase ) in XXXX, never missed or was late for a payment. Our intent was always to pay off the balance of the mortgage at the end of the 5 years. We received a letter from them 5-6 months ago making us aware that the 5 years was ending soon and called to verify the information we have received on every monthly statement weve received over the 5 years that the 3.125 % rate was valid through our perceived payoff date of XX/XX/XXXX and were assured that we would be fine. I called in late XXXX to ask for a payoff number from them and was again told that I had until XX/XX/XXXX but I had to call back after our XX/XX/XXXX payment was received to get the payoff. When I called on XX/XX/XXXX to get the information the number looked high to me and I immediately inquired and was told that our interest rate had jumped on XX/XX/XXXX to 4.5 %. The gentleman we spoke with acknowledged that his computer screen showed our rate as still being 3.125 % but claimed that was in error. We went into a branch close to us and they got a supervisor on the phone who understood our complaint and said she would review and get back to us in 2-4 days. When she called back denying our claim, we made arrangements to pay it off the next day ( XX/XX/XXXX ). We would like Chase to refund the difference in interest rates for the 10 days.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX XXXX XXXX was in short sale. XXXX refused all 3 offers from the primary lender on the property and the short sale never happened. The house went into foreclosure and was auctioned off as indicated on my credit report under XXXX XXXX XXXX in XXXX of XXXX labeled with an " F ''. When the house was foreclosed upon, XXXX lost the lien on the house and it became an unsecured debt. XXXX failed to report the foreclosure in XXXX of XXXX  and has been reporting the mortgage debt for the last 5 years only to charge it off recently. This blatant and intentional false reporting has ruined my credit for years and precluded me from securing a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report a public record labeled " XXXX XXXX XXXX  TN XXXX '' is allegedly being reported from the XXXX XXXX XXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the XXXX XXXX XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately.
Product: Debt collection

I am a third party and do not have a debt they are trying to collect. They have contacted me several times after I have asked them to stop.
Product: Credit reporting or other personal consumer reports

I was notified by XXXX that they experienced a data breach that contained my information. Their advice was to contact the three credit bureaus to initiate a credit freeze/security freeze. 

I was able to successfully set up online accounts with XXXX and XXXX, but I have been unable to set up an account with Experian. I submitted all of the correct information to them, but they say they were unable to verify my identity, and gave me a phone number to call. 

The phone number is an automated system that sends me through a loop every single time with no option to speak to a live representative on the phone. Overall, this has been an incredibly frustrating experience. 

There is no way to speak to a human being about my online account, and for a company with which I am forced to do business by virtue of being an American citizen with credit, I expect better customer support.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I bought a house and made a mortgage agreement with XXXX XXXX XXXX Ever since I made a recurring payment instruction to my XXXX XXXX XXXX against the monthly mortgage amount. The payment was done smoothly every month with no problem. In XX/XX/XXXX The loan has been transferred from XXXX XXXX XXXX to XXXX XXXX. They advised us while we were on our vacation overseas. Our monthly payment continued to go to XXXX XXXX XXXX which they supposed to transfered back to PennyMac during the transition period. XXXX XXXX XXXX  already did that but XXXX did not reconcile the account immediately and took some time to do so. When we got notified with the problem on our return, we made extra payment and sorted the problem. We have asked PennyMac to draw their complain about late payment from our side. We have proven to them that money has been transferred from our bank in regular base and it is not our problem. PennyMac agreed and supposed to fix their claim against late payment from our side. Apparently PennyMac did not withdraw the complain from their side. hence the credit report has been negatively affected without any legitimate cause.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible
Product: Credit card or prepaid card

Applied for a Best Buy card around XXXX an got a XXXX $ limit Bought items an got the no finance option an aways paid on time Then in XXXX they hit me with XXXX $ interest with a XXXX $ balance It was not much that i owed I have tried10 times to find what my balance was calling them an they never send me anything It was in XXXX that they put that XXXX $ on my account They say that it was acredit card when this happened but it was not, It was a card that you could buy stuff from there store with They will not give me any info but lies. I wanted statements from them an asked for them an got nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today. XX/XX/2021, I called EXPERIAN at XXXX because my written requests to EXPERIAN asking them to send me reports and results of their independent investigation of my disputed accounts have still not been honored and my rights are continued to be violated. Twice now I have requested, in writing, results and proof of EXPERIAN 's independent investigation into the disputed accounts listed on my credit report. Today on the phone I spoke to XXXX, who continued to deny me any information about EXPERIANS Investigation, he could not truthfully answer my questions and so I requested to speak to his supervisor, after being put on hold for 5 minutes XXXX told me that there is no supervisor available and then he promised me that a Supervisor would call me back within the next 3 hours, SADLY NOBODY EVER CALLED ME BACK! 
VERY UNPROFESSIONAL! EXPERIAN CONTINUES TO HARM ME WITH INACCURATE INFORMATION ON MY CREDIT REPORT AND CONTINUES TO IGNORE MY REQUESTES FOR PROOF OF THEIR INVESTIGATIONS INTO MY DISPUTES. EXPERIANS ACTIONS ARE HARMING ME INTO FINDING EMPLOYMENT! 
EXPERIAN by FCRA requirements must conduct an independent and reasonable investigation to ensure the validity of the debt and the integrity of the creditors in question. NO SUCH INVESTIGATION HAS EVER BEEN DONE! 
EXPERIAN ONLY GETS THEIR INFORMATION FROM eOscar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not asking your credit reporting agency to validate or verify any information from XXXX XXXX. I have already sent a notice of Validation according to 1006.34, XXXX XXXX has already sent me letters and statements from the original creditors they have bought the debt from. I am simply advising you that due to XXXX XXXX not being a creditor, they did not validate any debt according to 1006.34 ( b ) ( 2 ) ( iii ) 1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement, or invoice provided to the consumer by a creditor. For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. 
However, a statement or invoice provided by a debt collector is not a last statement for purposes 1006.34 ( b ) ( 3 ) ( i ), unless the debt collector is also a creditor.

According to CFPB 1006.2 Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 
I have already sent your agencies multiple documents and evidence showing proof that XXXX XXXX has not validated any of the debt according to 1006.34 b 3 i. Please follow the regulations that have been put in place for you to follow or I will have to seek remedy and file a lawsuit. 
Please look at the past complaints and documents I have already sent, do not request for XXXX to verify. THIS DEMAND IS STRICTLY FOR THE CREDIT REPORTING AGENCIES ONLY TO FOLLOW.
Product: Credit card

I make purchases at XXXX XXXX company every month using their store credit card through Citi card so I set up auto pay to pay off my balance every month, but for some reasons the bank charged me 29.99 % interest charge and {$29.00} late fee every month for the past 8 months. they said I did not make a minimum balance. With all the fees and interest charges added up to {$3800.00} that even my auto pay of {$94.00} every month still didnt pay the minimum balance. They didnt send me monthly statements that I had no idea I owed that much until my credit card was declined so I called the credit card company on XX/XX/year> and they removed one late fee of {$29.00} and one finance charges of {$63.00}. Theyre not trying to help me even though I asked to speak to the manager to at least remove some of the late fees and finance charges. I spent about {$200.00} every month on this card and they charged me at least {$63.00} for finance charges plus {$29.00} late fees every month. Please help me. Thank you very much!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft due to a data breach, and I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or accessed without my authorization using my stolen information. 
XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX  Account NumberXXXX Account name : XXXX  Account Number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. XXXX XXXX XXXX XXXX  datedXXXX XXXX XXXX dated : XX/XX/year> Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} XXXX XXXX. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name XXXX XXXX XXXX Company, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name:XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO AND I TRIED TO COMMUNICATE WITH XXXX DEPARTMENT OF FRAUD FOR THE CHARGES THAT APPEAR ON MY CREDIT CARD, I REPORT THE CHARGES AS A FRAUD ARE FRAUDULENT TRANSACTIONS, ALREADY I HAVE A LONG TIME WAITING FOR THE RESOLUTION OF THE CASE AND I NEED THEM ONE LETTER SAYING THAT THE CASE WAS APPROVED THAT THE CREDITS ARE PERMANENT AND NOTHING THEY GIVE ME THOSE CREDITS, IN THE CREDIT AGENCIES THEY HAVE BEEN REPORTED LATE PAYMENTS THEY ARE DAMAGING THE CREDIT WITH WRONG IMMIGRATION PAYMENTS LATE AND FAKE USE THAT I HAVE TO XXXX AND IT IS NOT SO I DON'T HAVE ANY PENDING BALANCE WITH VYSTAR I NEED THAT SOLUTIONS THIS QUICK PROBLEM IS TOO MUCH THE TIME I HAVE BEEN WAITING THEM TO DELETE THE NEGATIVE HISTORY THAT REPORTED THE CREDIT TO THE CREDIT CREDIT CARD.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX XXXX, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted.

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit card

We were on vacation and went to a time share sales meeting by Wyndham for free credit at our hotel. During the meeting we were given an electronic form to fill out presented as an income check for purchasing a time share. When I got back to my hotel I had an email saying I was getting sent a a Wyndham credit card that was never mentioned or that we agreed to
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX Open date XX/XX/2021 Account number XXXX Amount {$1000.00} high balance of {$1200.00} Contacted XXXX  XXXX in regards to this account that is reported in my Transunion credit and was inform that the account in question was not mine. However, they did nothing to try to assist me in removing it out my credit. I can not apply for a mortgage loan due to their negligence of reporting inaccurate information in my credit which cause my credit drop significantly. This home will not stay in the market for long. 

TransUnion accepted information from companies without asking the companies to confirm the validity of the debt to the consumer. Neither the accounts, addresses, inquiries that were placed in my credit was actually mine. For they negligence my credit has suffered significantly. Their negligence has caused me not to be able to meet the credit criteria/standard for a mortgage loan that I was negotiating the price of a home.
Product: Student loan

I am in school. On XX/XX/XXXX, I issued a fax ( attached ) of my current enrollment verification certificate ( attached ). On XX/XX/XXXX, I reached out to Navient for why my account has not been updated. They replied that they didn't receive the fax. With the help of Navient agent help, I submitted the document via my account page. On XX/XX/XXXX, I called for feedback and Navient confirmed that I do not have to worry about it given that they received my enrollment verification. 
Every XXXX of the month I always make interest payment. So I paid the interest on XX/XX/XXXX. On XX/XX/XXXX, I checked my account and it is shown past due and will be charged to pay late fee. Again I called Navient, they confirmed to solve the matter but nothing. 
Until today XX/XX/XXXX, my account is still not yet updated : my XXXX XXXX has been deeply affected. Navient is playing with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times to get a XXXX communications debt off of my credit report but it keeps coming back every few months. An account was opened in my name when I was XXXX and without my knowledge. I have supplied frontier and Equifax with my identification to get this resolved. It goes off my report then comes back on.
Product: Debt collection

I seen the collection appear on my credit report. I called the company verbally requested proof and sent an a debt validation letter. I received some type of medical coding that gives me no number to contact the medical billing department. I am unable to find a number to call the hospital as they have merged with another company. I am XXXX per XXXX and have full medical coverage. I have been to the hospital before and after the date listed and have had no issues. I contacted my health insurance and they have no bill submitted at that time for medical care.
Product: Debt collection

This debt was from a medical issue that dated back to XXXX 's with my parents, specifically my step fathers insurance. 

This debt somehow was passed down to me and still to this day reports on my credit report after it was bought and sold several times, despite it never being on my insurance as I was not of age. 

The company, choice recovery, bought the debt in XXXX of XXXX and the individual at the company even stated it would not have been my debt, but that they are a debt collector and have to collect any debts and accounts in front of them.
Product: Payday loan, title loan, or personal loan

Wells Fargo, through reckless incompetence, lost records of my payoff for {$3000.00} for my XXXX loan. Because of XXXX XXXX misconduct, I am in fear of loan default, overdraft that will not be fault, but solely the fault of Wells Fargo ongoing incompetence.