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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items /information below : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$1200.00XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : {$20.00} XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$1200.00XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$120.00}
Product: Credit reporting or other personal consumer reports

Im giving experian 30 days before I file a claim of unfair and deceptive practices Against XXXX for firstly never sending me method of verification for the the verified accounts Also for allowing Transaction history and experiences to be reported on my credit report which is a huge violation 15 us code 1681a ( I ) I proved to you guys in my last complaint which will be sent you as support documentation XXXX will remove accounts removed non public accounts in three days of receipt of this notice If XXXX does not respond and refute this matter then that will be the contractual agreement that these accounts will be removed from credit report and I will not file a claim on experian taking you to arbitration Us department of education will be in Trouble as they never disclosed any opt out information giving me a chance to express not wanting my account to be reported on my consumer report Experian will remove accounts Two U.SXXXX DEPARTMENT OF EDUCATION Account number XXXX In the XXXX days. If experian does not refute this information in XXXX days the this notice will be accepted and enforced U.S. department education are just as guilty for not showing proof of debt validation and authorized signature for the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Victim of Identity Theft. This Account does not belongs to me.

I did Not give anyone Consent to open this Account.

this Account, That is on this Report is Fraud
Product: Credit card or prepaid card

On XX/XX/XXXX, I accepted a balance transfer offer from Chase XXXX and in exchange for paying a transfer fee, my transferred balance was to be interest free. 

What was not clear was that their rules require that you pay your entire balance in full ( both the regular balance and the balance you transferred ), otherwise they charge you interest on the average daily balance ( not to include the transferred amount ). 

For two months I have paid the entire statement balance, minus the amount I transferred. Both months I was charged interest that far exceeded what I would have paid had I just left the original balance on the prior credit card. 

This is a clear bait and switch. They entice you to transfer, in my case, {$3800.00} for 0 % interest, while burying in the small print that if your prior balance was {$8000.00} - and you paid that in full - that they would charge you interest ON THOSE FUNDS. 

I traded multiple messages with them and was told to read the fine print. 

Im utterly flabbergasted. What good is an interest free transfer option if they can turn around and charge you interest on the average daily balance of the account - even if you paid that balance IN FULL - before the due date?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
Product: Debt collection

Starting 6-12 months ago I began to receive up to 3-4 calls from this company per day. I have had very poor health and have been in and out of the hospital. The calls are now daily, and often at XXXX XXXX, waking up during the night and causing me to either miss or perform poorly at work. It is extremely devastating and has been a very hard toll on my quality of life. Often agents are incredibly short with me and hesitant to reveal any information regarding my debt. 

It is so bad that my voicemail completely fills up within a week or two, and important messages from my doctors are not able to be recorded to my voicemail. This is extremely bad for my health, as I have been and currently still am awaiting information regarding some very acute and life threatening medical conditions. 

I have asked them to reach out via email instead of leaving me upwards of 3 voicemails PER DAY, but it has not helped. Unfortunately I am not able to identify which numbers belong to them. The voicemails range from XXXX XXXX to XXXX XXXX, but I am sure there are many other calls that have not gone to voicemail that I am unable to identify. 



I would also like to note there is a very strong possibility this debt was incurred whilst I was a minor, which my legal consult has urged me to mention. I am not sure how the proceedings for such a situation normally go, but I believe it is important should they actually give me pertinent debt details such as amount and origin.
Product: Credit card

XX/XX/year> I went to XXXX to see if I would get approved to get a new vehicle. After the seller checking my credit report, appeared that there was an account open under Citi with the amount of {$XXXX}. The person that lived with me knew all my personal information opened a credit card under my name and address under my knowledge. The company denied my claim because it was opened in my address. They did confirm that the billing address has changed to a new one, phone number and email are not my personal ones, they belong to the other person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent the past several months sending certified letters and countless calls to all 3 credit bureaus XXXX, XXXX  and Experian trying to get this one account DELETED from my credit file. These credit bureaus are reporting inaccurate information. I have requested them to validate the account, I have requested to show me proof as to how they verified their information and have not received any proof other than them sending me letters stating that the account was verified. In addition to that these credit bureaus are updating the account with " inaccurate/false information ''. Originally they were reporting that XXXX XXXX acct # XXXX was included in an alleged bankruptcy dated back in XXXX, that is false. How can an account be included in a bankruptcy dated in XXXX when the account shows paid & settled for less back in XXXX. This account was originally opened back XXXX, Charged Off back in XXXX and paid back in XXXX. This tells me that they are not properly investigating their information and then adding false information. I just reviewed my credit report it now shows that they are reporting a Charge Off in XX/XX/XXXX. This is False and should be Deleted. This account was already charged off back in XXXX how can i be hit with another CO for an already closed and charged off account. Its fraud and because of this false reporting my credit score has dropped and is now showing i have been late as of recent. i have not been late on any accounts for the past year.
Product: Checking or savings account

On XX/XX/2020 HSBC closed my account but is still withholding my funds. I've called them repeatedly but they refuse to return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I begin a dispute with Experian on XX/XX/2019 in regards to a bankruptcy on my credit report. The bankruptcy filing was identity theft. Experian stated that they validated the information however I contacted the courts and they advised that they do not report any information to credit bureaus. This bankruptcy has been removed from XXXX  with me providing the proper information however Experian refuses to remove after the proper documentation has been provided to prove otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

I am an American citizen and am living in XXXX. I concluded a wire transfer with the US Bank Wire Transfer Department on the XX/XX/2023. The document I was sent reads Date funds are available : XX/XX/2023. ( funds XXXX be available sooner than disclosed ). ( XXXX ) This transfer is from my account in the US Bank to my account in the XXXXXXXX XXXX XXXX XXXX XXXX The funds never arrived. My branch in XXXXXXXX XXXX  had transferred me to this department which took hours of being on hold as well as being transferred from several personal. 
I was not informed that the wire transfer was rejected until again after several hours and of telephone referrals. I subsequently tried to start another wire Transfer to no avail. I am currently in a legal battle with my husband and am being obliged to buy him out in oder to continue living in my house. This money is from recently liquidated stocks I have inherited. Also, I was able to complete this very same process last year. And yes the Internal Revenue Service was informed. 
One of the bank employees had informed me that I can only do this bank transfer in person and suggested that I just write a check. Similarly, I was in the middle of giving my information and the Bank representative said that she can no longer proceed past XXXXXXXX XXXX central time with a wire transfer and that I would have to call again tomorrow. She would give me a special number and remark my file in order to make the transaction run smoothly. The number was again an automated service and I landed once more on hold. 
I am at my wits end. Must I really fly to my branch office in XXXX XXXXXXXX to accomplish a successful wire transfer from myself to myself? 
Best regards, XXXX XXXX XXXX
Product: Student loan

I have this Navient account with Balance of {$12000.00} that is severely impacting my consumer report. 
Navient is in violation of 15 U.S. Code 1650 - Preventing unfair and deceptive private educational lending practices and eliminating conflicts of interest My original loan was with XXXX XXXX and Navient turned that dream into a nightmare. Navient provided bad information to me in writing and over the phone, processed payments incorrectly, and failed to act when I complained about the problems. These illegal practices made paying back the student loans more difficult and costly for me. 

Navient failed to send me emails regarding my renewal of my IDR plan. Now I have interest charges added that have increased. Due to Navient not informing me of critical deadlines or the consequences if I failed to act. Navient misreported to the credit reporting companies.This has significantly caused damage to my credit reports.This has also Impacted me emotionally and financially.Navient failed to correct it's errors until I discovered the problem and contacted them.
Product: Vehicle loan or lease

On XX/XX/year>, my ex fiance purchased a XXXX XXXX truck in my name with him as a co buyer without my permission or knowledge. I was at work that day and he asked for a picture of my drivers license. I did not authorize nor sign the contract. I was not present when the contract was signed by the co-owner at the dealership and the terms were agreed by the co-owner without my knowledge. The co-owner is living with another woman and most likely scamming her as well. I ended our relationship due to infidelity on his part. He purchased this vehicle while I was at work, and I was not present to agree to any terms. 

When I went to the dealership, I was not given the opportunity to read it or go over the terms. The contract the dealership supplied does not have my signature on it, it only has the co-owner signature. I purchased a vehicle for myself as my ex-fianc pressured me to. In hindsight, I believe I may have been conned into the truck purchase by the listed co-owner. Neither him nor I have the financial means to pay the outrageous monthly payment of {$1300.00} for the truck. Had I known the truck was in my name I would not have purchased a car for myself. How was I able to be approved for over {$120000.00} in auto loans in 24 hours!

I can not default on any loans as I XXXX XXXX XXXX XXXX XXXX XXXX XXXX and he knows that. I do not want this to jeopardize my career. I fear what he will do if he comes to my home and sees the vehicle. The police were called once already, and a police report filed. Please help so I can continue to rebuild my life. I have spoken with both the bank and dealership to no avail. Due to Virginia law, I can not sell the vehicle without the co owners signature. The co ow
ner refuses to sign it nor help pay the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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

I mailed a dispute to Experian about inaccuracy on my credit report. I don't think your report is accurate because of the lack of evidence in this complaint. I don't think the Experian report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX XXXXXXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. My credit report data is wrong! Which has a negative impact on my credit score! The information in my credit report isn't accurate so it's not going to be compliant with Metro 2 standards. I have attachments of my complaint that explains my multiple disputes but Experian has emailed stating that they have received my complaint but it doesn't seem as it was sent directly by me. I included my Driver 's License, Utility Bill and Social Security Card proving the letters are from me. Please see the attachments of all the information that was provided to Experian including their email they sent to me.
Product: Credit card or prepaid card

Comerica/Direct Express says a replacement card was mailed but it has not come. 
We have tried for 5 days, all hours if the day and night, to reach their customer service but literally no one ever answers.
Product: Credit card

Synchrony PayPal credit decide to closed my account on XX/XX/year> without notice. After contacting them online I was told it was due to my credit report. My reaccredit report has had XXXX changes with all all accounts showing in good standing as all my active accounts have been on auto pay. 
Synchrony has a habit of closing my cards at random. they would either lower my credit line for no reason or closed my account with perfect payment history when I had 100 percent payment history across my accounts CAUSING MY CREDIT TO DROP MANY TIMES. 
Synchrony claims they make the decisions based on credit change when they are the root cause of my credit change my lowering my credit line and causing change to my usage percentage or closing my account at random also causing changes to my credit score. 
PayPal credit cars have had XXXX missed payments. 
Synchrony has XXXX reason to close my account and claim of credit report is a bogus reason when all of my opened account are all currently on auto pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company account number XXXX violated my rights to privacy against the law. U.S.C 1681section 602 a. States that I have the right to privacy.

And also, U.S.C 1681Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

On XX/XX/XXXX Huntington charged the Automatic Draft to my Bank Account, XXXX as per Funds Transfer Contract and Charged XXXX Interest. They cashed my payment of {$1000.00} check # XXXX marked Principal only and applied XXXX on XX/XX/XXXX ( 4 days later ), then charged another XXXX Interest. 
Huntington Double Charged me Interest in XX/XX/2018. {$140.00} was charged on an XXXX pyt of XXXX on XX/XX/XXXX and {$140.00} was charged on a principal pyt of XXXX check # XXXX on XX/XX/XXXX. 
Huntington Failed to Auto-Draft my bank account in XX/XX/2018. And again in XX/XX/2018 cheating me out of a Principal Payment of {$1200.00} # XXXX. 
Huntington Double Charged me interest on XX/XX/XXXX amount of XXXX AFTER charging XXXX 3 days Prior on XX/XX/XXXX. 
Huntington Double Charged Interest to My Mortgage on XX/XX/XXXX amount of XXXX After Charging XXXX XX/XX/XXXX. On XX/XX/XXXX Huntington only credited me XXXX for a Principal ONLY Payment of {$500.00} dated and sent XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and XXXX clueless about the reason behind them. I checked my credit report as usual, but new discrepancies showed up unexpectedly. I even refreshed my browser, hoping it was just an error, but it wasnt. These unauthorized inquiries remained, and its incredibly frustrating. I need this issue resolved immediately by reviewing the documents I've provided so I wont have to deal with this again.
Product: Mortgage

My mortgage company ( Mr. Cooper ) has not paid my city property taxes since XX/XX/XXXX. I have emailed the company the information and called on XX/XX/XXXX, XXXX, XXXX, XXXX and no action has been taken to pay the taxes, late fees, and interest. I have tried to get a HELOC through another bank and the title company will not allow the HELOC to go through until the city taxes are paid. This is holding up construction plans for an addition. There is more than twice the amount needed to pay the taxes in the escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, My name is XXXX XXXX and I'm the owner of a residential construction company named XXXX XXXX XXXX XXXX. I have been working on repairing my credit for two years now, but still unable to receive loans due to faulty reporting from XXXX, Trans Union and XXXX. The agency are constantly reporting outdated information about my accounts and reacting to every negative change with large points deduction, but not the same for positive changes. Just last month my score dropped about 60 points because of my fault. I need to use my credit cards to keep my business going. By the end of the month I paid all of my bills down to about 10 % usage but because of that I was dropped again XXXX points from XXXX. My credit score last month was was at XXXX, but still unable to receive loans due to faulty reporting. As of today I have lost {$14000.00} in my business due to rental fees for a reliable vehicle. My previous truck transmission failed, so applied for a vehicle loan but my credit wasn't good enough. So I was forced to rent a XXXX from XXXX truck rental last XXXX at a rate of {$650.00} per week. As my credit score gone up I tried many different times to get a new or used vehicle to release me from the rental, because of old negative remarks on my credit and now new inquiries, I was unable to successfully secure a loan. This faulty reporting is causing me thousands of dollars that I need for my small business. It's not just stopping me from getting vehicle loans but also business loans because my business is three years old so my credit used for the loan. 
Please let me know what I need to give you to prove my case, I have proof of everything. This is got ta stop and really exhausting and unfair treatment. I really feel like I'm being discriminate against because I talk to a lot of people about my situation and I have XXXX XXXX but still no change. 

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

I am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report. I've been going back and forth with the credit bureaus about these accounts that appear on my credit report that were part of my identity theft case.