23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday XX/XX/2019 Two weeks ago I filed an application to obtain my free annual credit report from the three credit reporting bureaus and included my driver 's license, social security card, banking statement, and insurance statement. I received a letter from XXXX on XX/XX/2019 instructing me to file these same documents again and that I could use the online filing method at XXXX, which I did. They asked for verification documents and the Report # which was on the letter they sent me. After logging in and trying to view my credit report, when I pulled it up it is just a blank page. When I went back to XXXX and tried to view my free credit report request from Transunion it said I already received my report which is not true. I have just recently been released from federal prison after serving 10 years and am finding out that loans, school loans, home equity loans and more have been done in my name during my incarceration and am trying to obtain my credit report because that is the first step in figuring out what I will need to do to make sure my credit report is accurate. These credit bureau websites are not helpful, nor when I call the numbers will they let me speak to a live human being to explainmy situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Four issues : 1 ). Low scores on XXXX ( " Poor '' ), Experian ( " Fair '' ) and XXXX ( " Fair '' ) made it impossible to be approved for refinancing credit card loans. Low scores caused by using credit cards during a period of high medical bills. It is ABSURD and WRONG to be penalized in your numeric-score for using your credit cards up to your approved credit line! 2 ) Accounts reported as being in collections. Insurance paid a fair amount for ambulance services and reports to all three credit bureaus for excessive fees as being in collections have damaged my scores. 3 ). There is no ready way to include in a credit bureau report items being challenged. 4 ) complete lack of transparency in how scores are calculated or even which numeric score is being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed student loans in XXXX when I was XXXX years old. My co-signer paid his loans to Citibank before XX/XX/XXXX. In XX/XX/XXXX, I was not living at my old address and did not use the phone number any longer that was on the original application when I co-signed. In XX/XX/XXXX, CitiBank sold their student loan portfolios to XXXX XXXX XXXX XXXX yet credit reporting and other documents still show Citibank as the lender. Occasionally, I would check to see if payments were paid up to date by the original signer. I signed in online and saw that the loans were no longer there. It was XX/XX/XXXX, I was not able to get in touch original signer and I saw a {$0.00} balance on the loans. By XX/XX/XXXX, I was able to speak with the original signer and he told me he thought I was paying the loans because he saw his online CitiBank account had a {$0.00} balance as well. I called Citibank who then informed me that my loans now belonged to another lender. It was a very busy time of year, I missed the payment by 35 days ( 5 days past the credit reporting ). It is also 5 loans, when I really only make one payment per month. I  would like this removed from my credit report due to the confusion and lack of explanation for transferring of loans. I have called XXXX XXXX XXXX XXXX who says they will not adjust anything that is more than 60 days old.
Product: Debt collection

In XXXX of 2016 after carefully reviewing my credit report XXXX accounts showed up on my credit from XXXX XXXX bank and XXXX bank.I immedietly disputed the XXXX accounts and placed a fraud alert on my credit reports. I have been back and forth with the creditor as well as the credit. Finally after months of disputing and making complaints the debt could not be validated and was deleted from my credit profile.over the past couple of weeks i have been getting letters in the mail from the collection agencies, for the same accounts. So it appears that the creditors deleted from my credit profile but then sold the account to multiple agencies. This debts are not mine and all i have been asking for for months is validation of account. also please look into the creditors selling these accounts to multiple agencies now i am receiving multiple letters which can be related to harrassment. I am requesting that the collection agencies validate debt owed and quit sending collection letters to my home. 

I have attached the letters that I am receiving from different collection agencies for the same account.
Product: Credit card

Synchrony Bank purchased the BP Visa Card program and raised my interest rate to over 27 % on outstanding balance and purchases. I called customer service to request some explanation and a lower rate and they said they can do nothing. I am in a position where it is difficult to pay the balance right now, but I seem to be stuck paying a huge portion of my payment each month to interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, after noticing several inaccuracies on my credit report, I contacted MoneyLion ( the data furnisher ) in writing via XXXX certified mail stating that my credit report contained numerous inaccuracies and requested all supporting documentation for the accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( See Exhibit A : Original Dispute Letter to MoneyLion on XX/XX/2023 ). On XX/XX/2023, after over 90 days of no response as required by law, I sent a second request for debt validation and dispute letter exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 609 that states consumers are entitled to all information related to tradelines listed on their credit reports and the source documentation of all information including original credit applications and contracts. ( See Exhibit B : Second Dispute Letter to MoneyLion on XX/XX/2023 ). I sent a third and final letter on XX/XX/2023 ( See Exhibit C : Demand Letter to MoneyLion XX/XX/2023 ). As of today, MoneyLion has failed to comply with my requests as required by law in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 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. sec 2 : It also States a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion REFER TO XXXX CFPB My personal information is what I sent you 2 goverment IDS they are legal documents you are required by law to keep accurate information my name is just whats on those IDs when you state there is a 60 investigation in my personal information Im it there is no one that can state my name there are a lot of names that are like mine please correct my name as stated on the documents and refer back to me the change, there is no required 60 days for personal information even se4ction 611 states accuaracy
Product: Debt collection

Collection account from XXXX XXXX XXXX  with account # XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX Collection account from XXXX XXXX XXXX with account # XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.

15 USC 1602 ( g ) ( 2 ), There was no evidence of indebtedness, there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void. DELETE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DEPT OF ED/NAVIENT and XXXX XXXXXXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 90 days late ( XX/XX/2019 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 I got sick. I totally spaced out on paying the credit card bill. When I realized it I called, made payment asked about late fee she said she'd wave it. I asked if it would be reported and she said since it was my first time ever late in the 13 months I had the card she'd do goodwill and mark it not to be reported. I continued to make my payments on time for 8 more months and called every month because it HAD shown up on experian 30 days late. After not being able to come to a mutual agreement I paid the card off and requested the account to be closed.
Product: Credit reporting or other personal consumer reports

My personal information is being reported inaccurately on my credit file. The following names and addresses are incorrect. 

NAME ID # XXXX NAME ID # XXXX NAME ID # XXXX NAME ID # XXXX The only name that should appear on my credit file is XXXX XXXX. 

Secondly, they are several addresses that are being reported on my credit file inaccurately. 

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 The only name and address that should be listed on my credit file is as follows XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX Please note that my employment is also inaccurately being reported. I no longer work at XXXX XXXX. 
XXXX. 

XXXX.
Product: Debt collection

I reserved a storage unit for my sister to move her stuff, my sister had the storage reservation placed in my name, and even though I contacted the storage center numerous times about canceling the contract and properly transferring it into her name cause she was not making payments they did not do so. After they sold the debt to JJ Marshall it appeared on my credit report and I disputing explain g the above that the account was never supposed to be in my name and that I had told the storage center this as well. I went as far as contacting JJ Marshall directly to speak with the agent assigned to the case. This agent admitted that they knew the owner of the account was disputed and that when they came into ownership of the account it was noted in the file that ownership was disputed. Despite this admission, the agent refused to remove it from my report. Further, every time I have properly disputed it with XXXX they have responded by saying they have verified the account as mine despite my objections to ownership and their owner 's knowledge of the contested ownership. They have sent 100s of spam emails and spam calls so often and frequently that I had to block several numbers from this agency as I was getting nearly 20-30 calls from them weekly ( including weekends ). 6 months ago I filed a dispute about this account and submitted proof as to their knowledge of the inaccuracy regarding the ownership of the account. In response to this JJ Marshall removed the item from my account, stopping the dispute, and added it back in XXXX. They are continuing to assert they have confirmed ownership and that is a blatant lie.
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : 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: Debt collection

Name : XXXX XXXX Reporting amount : {$10000.00} I have contacted LVN } V numerous times to validate this debt and have not received anything that validates this debt They have reported inaccurate information on my credit report, and keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Account : Reason : Instruction Please provide me with the following : ( 1 ). Full accounting of this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must deleted the above account from all three credit report ASAP. Let me remind you of the law. According to FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specialize in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I payed my monthly payment early that was due on XXXX XXXX. And they are posting on my account that Im late. I payed {$200.00} more than the minimum due and the amount was posted and deducted from my checking account on XXXX XXXX. This could affect my credit could you please have them correct this. I have proof and documentation from my bank. This is a revolving account with Comenity Capital/XXXX XXXX patient solutions. here is the contact number XXXX and the account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX violations FTC alleges car dealers falsified consumers income on financing forms By : XXXX XXXX XXXX XX/XX/2018 XXXX SHARE THIS PAGE XXXX XXXX XXXX TAGS : Automobiles Bureau of Consumer Protection Consumer Protection Advertising and Marketing Advertising and Marketing Basics Online Advertising and Marketing Credit and Finance Credit and Loans  Whether its a slimmer waist or an imaginary yacht superimposed in the background, were all familiar with the dramatic changes that retouching can make to a photo. A lawsuit the FTC has filed against XXXX XXXX XXXX and related companies alleges among other things that the defendants substantially retouched the financial circumstances of customers trying to finance cars. 

The defendants are four affiliated auto dealers in New Mexico and Arizona near the border of the XXXX XXXX. When customers want to finance a car, XXXX includes the terms of the deal in a retail installment contract. Like others in the industry, XXXX seeks to assign that contract to a third party for example, a bank or finance company. To decide whether to accept the contract, those companies will look at the customers financing application, which discloses their monthly income and down payment. If the companies dont like what they see, the deal may not go through. 

The FTC alleges that in many ins
Product: Student loan

WELLS FARGO : My husband and I just sent letters requesting reduced monthly payments based on our income, and provided financial documentation to prove that we are struggling to make the payments. This is the second attempt that we made to work with Wells Fargo to reduce our monthly payments. Both times, their response was that the combined income of our co-signers and our own income is too high to reduce our payments. My mother, one of our co-signers, has already been paying portions of our loans to Wells Fargo, and this is documented in our file. All of our co-signers are retired, and on fixed monthly incomes.
Product: Credit card or prepaid card

On XX/XX/XXXX ; I attempted to pay down my Citibank Premier Credit Card # XXXX, with a third party check {$2400.00}. A friend XXXX XXXX, owner of XXXX XXXX XXXX, owed me this sum. It was a payroll check issued from XXXX for his landscaping services. 

I deposited the 3rd party check along with a deposit slip, indicating that the funds were to be used for my Credit Card Payment. The ATM branch that I used was at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ( See attached - Exhibit 1 On XX/XX/XXXX, the bank reversed my payment. 
( See attached - Exhibit 2 ) After many months of disputing this situation : In XX/XX/XXXX, after an investigation by Citi was completed ; Citi REVERSED Incorrect Payment XXXX. However, this status was not maintained because on XX/XX/XXXX, Citi made a Reversal Adjustment XXXX and declined a second time, my payment of {$2400.00}. 
( See Attached - Exhibit 3 ) On XX/XX/XXXX. I received correspondence indicating that " on XX/XX/XXXX the Illinois branch bank requested us to return the {$2400.00} payment to them because they stated the payment was not intended for the above account ... ... '' ( See Attached - Exhibit 4 ) After each reversal that Citi made, I kept calling the customer service line to request further investigation which at first resulted in a solution. However after dozens of attempts more in trying to have Citi apply the {$2400.00} with no avail, I became exhausted and frustrated from this ordeal and stopped pursuing a resolution. However, I kept copies of all the receipts, statements, correspondence, etc. 

When a friend encouraged me to open a case with your agency, that I never knew existed, I decided to pursue a complaint and resolution again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i have disputed multiple items over the month with transunion. They keep comming back verified. Transunion hasnt produce any documentation proving they verified these accounts. Federal law stats that they must have my contract on file. They just keep verifying these accounts without showing any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an official grievance against JPMorgan Chase & Co. situated in XXXX XXXX XXXX XXXX XXXX, NY XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of claim and in which they have not been able to present, per the FCRA. Regardless of my goals to resolve this unpleasant nightmare for a number of months now, JPMorgan Chase & Co has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Below is the account I had Disputed earlier : CHASE CARD, Account # XXXX, Date Opened XX/XX/2014. 
Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates, but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. I am attaching the relevant document as proof and my small claims form ready to file a court case against them should they fail to comply
Product: Credit card or prepaid card

My identity was compromised by a XXXX Scammer in XX/XX/XXXX. He used my information to open 3 major credit cards without my knowledge or consent. These were all new cards. He applied online without my consent or knowledge or my signature. I did not gain financially at all from this action. He conducted Balance Transfers by using these new credit cards. The transfers began in XXXX of XXXX. I was not aware of this at all until I started to receive statements. I was coerced to make some initial payments until I was aware these were all fraudulently done. I have not gained financially from their use. I was never aware of these cards. He acted solely for his own financial gain. I have filed reports of fraud with the local Police Department, the FTC, and the FBI. I should not be held liable for any payments to these accounts. The balance with XXXX XXXX is now {$14000.00}. The balance with Discover is now {$17000.00}. The balance with XXXX XXXX is now {$52000.00}. These balances are all approximate. The activity on all credit cards was done approximately between XX/XX/XXXX - XX/XX/XXXX. Each actual credit card company has the complete dates and amounts that were conducted as Balance Transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect a fraudulent account on my credit report. I did a thorough investigation and I also filed a FTC report stating the activity I have observed. The account is listed below. I also noticed that my XXXX is not showing this same collection and I uploaded that screenshot as well. 

XXXX XXXXXXXX XXXX  XXXX XX/XX/2022 Balance - {$820.00}
Product: Credit reporting or other personal consumer reports

Personal information on major reporting credit bureaus is not matching across all XXXX major credit reporting agencies missing complete name, also known as name is spelled incorrectly current address not corrected on with all XXXX agrencies, all XXXX agencies are reporting different address for previous know address, total accounts, open accounts, delinquent accounts, derogatory accounts, collection accounts, balanced owed and payments are all different with all XXXX major credit reporting agencies, inquries are not the same with all agencies