23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

XX/XX/XXXX XXXX email received about a debt owed and legs action would be taken if not paid. Despite having no loan from the company or any sub company
Product: Other financial service

A " student loan debt relief '' company called Fedloan Help was supposed to help me consolidate my student loans and register me for an income-based repayment program but, illegally tricked me. 

I signed up for these alleged services around XXXX XXXX. They started withdrawing {$91.00} from my Visa Debit account on XXXX XXXX XXXX. Since then they have withdrawn {$1100.00} from my account. 

I found out about this scam when I asked them for my XXXX tax form. I needed them to file my XXXX tax returns. However, they did n't respond. A couple days later I received a letter from XXXX XXXX. It stated that I had not paid anything on my consolidated student loans since XXXX XXXX. I called them and told them that I had been, and that they 've been withdrawing {$91.00} each month since XXXX XXXX when I consolidated with them. This was the moment when I realized that they were XXXX different companies and that I was being scammed by Fedloan Help. 

After I made a bunch of calls and did my research, I found out that Fedloan Help illegally acted on my behalf and contacted XXXX XXXX to consolidate my loans, but never paid them what I thought was my " income-based payment '' of {$91.00} a month. They kept this money and not a penny went to paying back my loans. 

I was convinced that they were legit because they were a non-profit organization who worked with the Department of Education. They also told me that that I qualified for the student loan forgiveness program announced by Obama Administration. They also sent me emails and attachments with the Department of Education 's emblem so I was further convinced it was real. Moreover, they actively emailed and called me to advise me on the consolidation process. They were also totally understanding of my financial hardship and guaranteed that they were going to help me save money. They said that this program was created because of the XXXX dollars of student debt and that they were working with the DOE because lenders like XXXX and XXXX XXXX were scamming me. They also said that if I did n't finish paying my loans in 3 years that my loans would be forgiven. However, I should have known something was wrong when they asked me for my passwords and usernames from my XXXX and XXXX accounts. I was just so convinced that they were going to help me because I was struggling to make end meet and totally stressed out about the high interested rates and monthly payments that I was making that I was totally blinded by it all. I honestly thought they were a blessing. 

I will continue to follow up with them to see why they did this and to see if I can get my money back. So far they have n't responded and when I call them I get prompted to their voicemail system. 

And, their website is still up and running : http : //www.fedloanhelp.org/
Product: Credit card or prepaid card

Checking my account online in XXXX, I noticed a charge of {$100.00} that I did not recognize. So, I requested TWICE a copy of the sales slip. XXXX XXXX ignored my request, but froze my account. I called and spoke with Customer Rep XXXX on XX/XX/XXXX. She lied for Synchrony by saying that had reported that I " misplaced '' my card. I never did! I told her that I only asked for a copy of the charge. She lied for Synchrony saying that a copy was mailed " yesterday '' XX/XX/XXXX. Now, 10 days later and nothing sent to me. She also lied for Synchrony by saying that my account would be unfrozen and she would note on my account that I never reported my card missing. Sill today XX/XX/XXXX my account is still frozen. Moreover, I contacted the merchant Walmart who said that the aforementioned charge was an error. I was given a credit slip by the merchant. But, Synchrony still has not reversed the charge. XXXX XXXX is lying and thieving.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX 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/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

My last 3 late payments occurred over 7 years ago and I noticed that its still affecting my scores. Please try to remove them due to the age. Ive waited for them to drop off. Thanks
Product: Credit reporting or other personal consumer reports

Bureaus using computer credit system that unfairly lowers credit scores for credit card usage for XXXX consumers and/or showing extreme prejudice. On XX/XX/2024, I made XXXX purchases for {$290.00} and {$94.00} and paid off {$150.00} in credit card debt. My score was unjustifiably was lowered by XXXX XXXX by Equifax Credit Bureau any XXXXXXXX XXXX by XXXX according to XXXX XXXX. On random months, I make the same {$150.00} payment and my XXXX XXXX XXXX by XXXXXXXX XXXX This month AGAIN I DECREASED my debt THE SAME AMOUNT ( {$150.00} ) then added the {$580.00} BUT my score XXXX XXXX XXXX XXXX XXXX. HOW IS THAT POSSIBLE?! The live agents continue to say scores are calculated by AI. This is further proof there is a program set up to keep CERTAIN Consumers from having lower interest rates and from being offered certain advantages that will help them save money on every day purchases and living expenses! 

I've had perfect credit for a long time. I have a XXXX XXXX payment history. My scores in both credit bureaus have been XXXX XXXX  The XXXX time I use my credit card for an estimated {$430.00} purchase, my XXXX XXXX XXXX XXXX XXXX!!! Something is DEFINITELY WRONG with this picture!!!! 

Also, I have XXXX accounts listed XXXX and XXXX times that has contributed to my debt ratio increasing moore than {$3000.00}. This is XXXX!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 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 following companies have violated my rights with inquiry reporting as follows : Incorrect inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct inaccuracies : XXXX XXXX Acct XXXX XXXX Reported as late but paid off. 
XXXX XXXX XXXX XXXX - XXXX acct. {$490.00} past. 
XXXX XXXX XXXXXXXX - reported as late. 
XXXX XXXX XXXX - Acct charged off. {$70.00} written off. {$480.00} past due. 

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 an account or inquiry report without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the credit bureau present proof to me that I opened up a XXXX  XXXX XXXX account number XXXXThis account is currently listed on my account as a charged off account. Under the Fair Credit Reporting Act I can make a debt validation request. I am now making that request for the above mentioned account.
Product: Credit card or prepaid card

I wish to contest a recurring charge from XXXX XXXX in the amount of {$190.00} dated XX/XX/XXXX and again XX/XX/XXXX on my Capital One Venture credit card. I have been asked by XXXX and Capital One to show proof of cancellation. I do not have any proof because XXXX said it was a recurring automatic charge. I do not have any way of disproving this charge because I have not ever received any form of approval from XXXX. 
In XX/XX/XXXX I received an email saying that they were going to charge my Capital credit card. I called the telephone number, and I was talking with a very belligerent and profane man. He used the XXXX XXXX many times and somehow he was able to show a charge to personal checking account. I was adamant that this was illegal, which he answered with an XXXX XXXX. 
I immediately went to my local bank and they had to cancel my checking and savings accounts. I have contested this charge with Capital One and have been unable to get them to stop this charge being posted to my credit card. When I called XXXX, they were adamant that I pay the charge.I will not let XXXX to continue to charge me for something I do not want.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX My mother got it for XXXX for me ( at XXXX XXXX  ) card worked the first day, was able to buy a little something and after that, I wasnt able to check the balance. The site kept saying my card number was invalid, tried to buy XXXX pizza and the site gave an error. The card had {$200.00} in it and i tried to call customer service, immediately got hung up on.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act there is 1 account XXXX XXXX # XXXX and this 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 an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

The account does not belong to me, please the police reports and the fraud reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue regarding the reporting of late payments on my credit report by Discover Bank. As a former customer of Discover Bank, I was disheartened to discover that there are XXXX late payments reported on my credit report, despite my account being closed in good standing and never having any late payments prior to the XXXX state of emergency. 

I wish to bring to your attention the provisions outlined in the Heroes Act, specifically Section XXXX, which amends the Fair Credit Reporting Act ( FCRA ). This section imposes a moratorium on furnishing adverse information during the XXXX emergency period and other declared emergencies, as well as for 1XXXX  days thereafter. The XXXX explicitly prohibits the furnishing of adverse consumer information that is the result of any action or inaction that occurred during the pandemic or other declared emergency. The federal XXXX XXXX declaration began XX/XX/XXXX and ended on XX/XX/XXXX. 

It is evident that the reporting of XXXX late payments on my credit report by Discover Bank during the past XXXX years, coinciding with the XXXX pandemic, is in direct violation of the Heroes Act specifically Section XXXX. As stated in the XXXX, any adverse consumer information resulting from actions or inactions during the pandemic should not have been reported. 

Furthermore, I spoke with a representative named XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX informed me that multiple supervisors were made aware of Heroes Act, specifically Section 110401, which amends the Fair Credit Reporting Act ( FCRA ) yet stated they would not remove the inaccuracies in reporting the late payments that occurred during the XXXX pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began tracking my credit more proactively towards the end of 2017. When I first reviewed it there were so many errors! I actually will show proof of the binder I began keeping when starting out. Experian alone can review all dispute records as well, since I have a experian account along with retaining copies of prior disputes since. I also have copies of certified letters I had sent to creditors and the credit agency. I finally just last week got Experian to listen after almost 2 years of explaining there were fraudulent accounts on my report, multiple disputes, letters and phone conversations. I have asked for different information multiple times in regards to disputes on accuracy, account ownership and more. More recently before deciding to take the route of filing a complaint through here I disputed again through Experian. It only took a few days before they AGAIN came back with everything being updated. Nothing changed except the status. I have received no validation of any of these items and some are just corrections to balance, payments, and/or status. I am requesting for all information pertaining to what they have on file in regards to these accounts enacting my FCRA rights. If this is not done, I will be reaching out to the attorney general for the state of Washington. As a XXXX XXXX XXXX who is constantly being called to duty/training, it should not have to take multiple years to correct information across my reports just because I do not have constant means to fight their responses to get things corrected.
Product: Debt collection

XX/XX/2020 sent debt verification letter to show more information about debt. Because I did not recall this debt. I gave them more than 30 days to respond and no response from the collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXX Balance : {$310.00} ; XXXX  XXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$3100.00}.
Product: Student loan

My original loans were through Mohela. I consolidated my student loans. Mohela remained the servicer, while XXXX facilitated the consolidation. When I first applied for the consolidation, it was approximately XX/XX/XXXX. Only half of my loans were consolidated. I filed the paperwork in XX/XX/XXXX to have the other half consolidated. The process was completed in XX/XX/XXXX. My loan account now shows the correct amount but the interest rate is incorrect. It shows 6.375 % but it should be 6.0 %. I reached out to both Mohela and XXXX in XXXX of XXXX, at first both just pointed fingers at each other or said to wait XXXX more weeks until resolution. I then wrote out the below statement in email to XXXX. At this point, they wrote back to me that they had indeed sent the correct 6.00 % and correct amount over to Mohela. I am now speaking to Mohela who refuse to assist me, saying the loan rate should be XXXX. '' " Original consolidation was only my Grad plus loans at {$160.00}, XXXX at 6.375 %. The second half added into the consolidation, was the unsubsidized portions of the federal aid, {$180.00}, XXXX at 5.50 %. 

There is {$6800.00} in accrued interest prior to the covid interest pause. Its between a few different loans but for my math I just assumed it was the highest rate of 7.6 %. 

My loan window shows {$350.00}, XXXX at 6.375 %. The amount is correct but the interest is wrong. I believe when it was consolidated, the interest rates of the unsubsidized loans were not factored or taken into account. The weight averages of the loans is about 5.95 % from my math, which means the loan should be a rate of 6.0 %. 

Below are the original loan disbursements. 
Grad plus ( 6.28 % {$54000.00} ) ( 7.60 % {$7600.00} ) ( 7.08 % {$37000.00} ) ( 7.08 % {$12000.00} ) ( 5.30 % {$54000.00} ) Un-Sub ( {$43000.00} 5.280 % ) ( {$47000.00} 4.300 % ) ( {$44000.00} 6.079 % ) ( {$44000.00} 6.595 % ) " I have spent XXXX hours on the phone and trying to write emails to both companies. I feel they will just continue to kick the problem down XXXX XXXX and provide no assistance. Most recently, today - XX/XX/XXXX, I spent an hour on the phone before the agent said she was transferring me directly over to speak to someone else, I ended up being sent to an empty hold room that was never answered after waiting for additional XXXX minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had an auto loan for a XXXX XXXX with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX, I totalled the XXXX and my insurer ( XXXX XXXX XXXX ) received a 10 day payoff from XXXX XXXX due to the vehicle having been declared a total loss. XXXX received a payment via check in the amount of {$11000.00} on XX/XX/XXXX. The attached paperwork that I received directly from XXXX XXXX shows the payoff was valid until XX/XX/XXXX. I also received a {$3500.00} payment from XXXX XXXX after they paid the lien holder as this is always the case if money is due after the lien is paid. I started looking at my 3 credit reports, XXXX failed to submit the correct payment of {$11000.00} they received from XXXX XXXX for the 10 day payoff XXXX provided to XXXX XXXX. After checking my reports, in XX/XX/XXXX XXXX reported that I was 30 days past due, XX/XX/XXXX I was 60 days past due, XX/XX/XXXX I was 90 days past due then in XXXX, XXXX charged off {$180.00}. How is it possible after a vehicle is declared a total loss to be XXXX days late after the lien holder has received payment in full and released the lien to the insurance company for that matter. This account still appears as a charge off as of XX/XX/XXXX. I have screenshots from each of the 3 creditors showing the inaccurate information that has been reported since XX/XX/XXXX. I also have my original sales contract, {$8000.00} down payment receipt as well as billing statements, and documents from XXXX XXXX that support this claim.
Product: Debt collection

report XX/XX/2015 {$2200.00} I ordered my credit report and found out this fraudulent account on my report.
Product: Credit card or prepaid card

In XXXX I made a purchase on my XXXX XXXX XXXX. approx. {$200.00} for some outdoor furniture. I had a number of problems with the order, mainly there were some missing party and shipping took an extreme amount of time. I reached out to XXXX and asked to be contacted by a supervisor. The supervisor did in fact call me back and offered a discount to me for my trouble that was quickly applied to my account .The complaint is that during my purchase I was offered deferred interest as typical with any XXXX purchase Ive made when the manager got involved my deferred interest seemingly disappeared. I want to point out that every order Ive ever placed with XXXX has had a deferred interest option. I made contact with both XXXX XXXX and Comenity and both referred me to each other XXXX the correspondence typically has gone line this .. 

Hello, It would be through Comenity Capital Bank that you need to work with on this. 

Ask for a Supervisor there and have them put in a dispute for the financing. They may try to transfer you over to the XXXX customer care to do this, but it is through the bank that the dispute needs to be done. Only the Supervisors there are able to put in the dispute. By doing this they should be able to pull up the previous adjustment and fix this. It usually takes about 1-2 business days for them to look into the dispute. 

Here is there contact information ; Comenity Capital Bank : Phone Number : XXXX Hours of Operation : Monday- Saturday XXXX EST Closed : Sundays and major holidays Take Care XXXX XXXX Solutions Support XXXX The trouble is .. the other basically says the same thing, putting me into a constant circle with no solution, meanwhile Im being charged interest every month ...
Product: Credit reporting or other personal consumer reports

Take all hard inquiry off my report and late payment on report. Wrong address on my report