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

No matter what I do Experian is constantly keeping my credit low. Not only are they keeping my credit low because I believe they want me to use Experian XXXX but they are recommending me to apply for certain credit cards which is dropping my credit even more because now I'm seeking credit. 

They are keeping my credit low but the reasons they are giving me are not correct. My file claims I have recent missed payments but in the descriptions it says 1. Your most recent missed payment happened Unknown I will attach this in a screen shot. What is " unknown ''? Screenshot # 2 2. They are dropping my score because I have paid down 61 % in 2 open loans that I have. One is a self credit builder loan which I owe {$220.00} and my other loan I am keeping open to build credit is {$950.00}. I have now paid both of these off because I guess having {$1100.00} in open credit is considered high risk? I can't win with this credit company. They are destroying my credit which is ruining my life at this point during a pandemic. Screen shot # 3 and # 5 3. Telling me to apply for credit cards which I should be able to get. But Once I do this they lower my score even more and then tell me a reason my credit is so low is because I am seeking credit. If I follow Experians advice they are lowering my credit EVEN MORE! Attached screenshot # 1 All of these new fico scroes are UNFAIR. They keep coming out with new Fico scores that are INSANE! The auto fico has me listed at XXXX but I'm close to 700 at other credit reporting agencies. This is a scam. They are working with lenders to INCREASE RATES.  Anyone can just say oh we are going to use the auto fico score so we can charge you an insane interest rate. This is totally unfair to consumers Attempting to call the company goes no where. I was on the phone with XXXX at XXXX EST XX/XX/2020 and was told that their score is based on the information that they have. I can see the information in my report but it's clearly not the same information they are using to calculate the score. Why is the fico 8 from Experian much much worse than the other companies? No one can answer this question. When I asked to dispute an error I was told to do it on the website but you can only dispute one time. And I couldn't dispute on the phone because of course they are closed. Seems like this process is much more difficult than it needs to be to keep rates higher for everyone. 
Disputing errors on your report clearly doesn't improve your score as much as it should. They are not being clear about their scoring.
Product: Checking or savings account

Dear sir or madam : Huntington National Bank sent a {$1000.00} check from my checking account to the wrong bank and will not return my funds. I wrote a check numbered XXXX to my credit card company XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX for {$1500.00}. The credit card company accidently requested payment for only {$540.00}. I contacted the customer service department of Huntington Bank and asked them to correct the error and pay the {$1000.00} to XXXX  ( case number XXXX XX/XX/XXXX ). Nothing happened for weeks so I went to the Huntington branch in XXXX, OH, XXXX and asked them to resolve this issue. An adjustment debit for {$1000.00} was made on XXXX, XXXX, XXXX ( reference number XXXX XX/XX/XXXX ). 

The problem is that XXXX  never received the {$1000.00}. I contacted the customer service department of Huntington Bank and was told a check for {$1000.00} was sent to XXXX XXXX. I asked why the check was sent to XXXX XXXX  and not XXXX  and they said it is a subsidiary bank that handles XXXX  accounts. I contacted the customer service department of XXXX and was told XXXX XXXX  does not handle their accounts. I wrote a letter to Huntington Bank on XX/XX/XXXX, requesting that they return my funds as XXXX never received the check. 

I was contacted by XXXX XXXX of Huntington Bank and was told that a physical check for {$1000.00} was sent to XXXX XXXX  on XX/XX/XXXX. I told her XXXX has never received the {$1000.00} and that I wanted her to stop payment on the check and return my funds. She said there was nothing her bank can do and that I personally would have to track down the lost check and resolve the problem myself by contacting either XXXX XXXX  or XXXX  to have them locate the check using the trace id ( XXXX XXXX ). 

I believe Huntington Bank made a mistake and should have sent the {$1000.00} directly to XXXX  as it was the payee on the original check. I also believe it is XXXX responsibility to track down the check and make sure XXXX receives the {$1000.00} or return my funds. I do not believe a bank can not stop payment on a check they wrote if they know the check was lost and never received by XXXX. 

Right now, I am out {$1000.00} and have spent hours talking to customer service representatives who do not seem to be able to resolve this issue. I am formally requesting that your agency contact Huntington Bank and have them return my funds to my checking account..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX NEVADA XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has blocked me from getting my credit report online unless i pay a fee and has removed my credit block and credit freeze from my file unless i pay them a fee which has resulted in previous fraud accounts disputed with XXXX which they refuse to remove the fraud accounts from credit first {$250.00} and XXXX/XXXX bank {$500.00} and XXXX {$5000.00} and XXXX XXXX XXXX {$5000.00} and XXXX.XXXX {$570.00} and XXXX/XXXX and XXXX XXXX {$330.00} these all resulted in fraud account due to XXXX data breach and i have disputed many times every year for the last few years and XXXX  has neglected to remove these fraud accounts and not put a credit freeze on my File as i requested numerous times.
Product: Debt collection

I have previously disputed these medical debt online with the credit reporting bureau 's and each time they continue to say the accounts are verified, but yet I never received anything and the debts would stay on my reports. Finally I sent Alliance Collection Agency a debt validation letter invoking my rights and utilizing the Texas XXXX XXXX. I specifically asked for XXXX XXXX info so that I know Alliance Collection is licensed to collect a debt in the state of Texas, I asked for some sort of a signed contact that authorizes Alliance Collection to collect this debt for the medical provider. I asked for a signed contact that was allegedly signed by me that I authorized the medical services. I asked for a number of things that I am entitled to under the Texas XXXX XXXX and I was ignored. When these debts originally happened years ago, I had an issue with identity theft and my brothers would take my personal ID and use it at their discretion. My brothers and I look a lot alike and that is why I find it absolutely important that I know these debts are mine and that I was not another victim of identity theft. I have had to deal with courts and police officers from the past because when my brothers would get in trouble, they would use my name and I would have to deal with it. Under Texas XXXX XXXX XXXX for debt validation I have had my rights as a Texas consumer violated and ignored. I sent Alliance Collection Agency a debt validation letter to confirm this debt is mine and they ignored my request. Under the current law,30 days should be enough time to validate such requests.And it has been well past the 30 day mark! I mailed the above named company I letter on XXXX/XXXX/15, they received and signed for the letter on XXXX/XXXX/15. They violated my request in 2 ways. 1, for ignoring my request, and 2, for continued attempt to collect on this debt by actively reporting to the XXXX major Credit Bureaus XXXX There is plenty of supporting case law to back this claim up, that actively reporting to the bureau 's is in deed a form of debt collection. I have not received any info from this collection agency to prove I owe this debt. I find it malicious, and I feel I have been taking advantage of by Alliance Collection Agency and I would like all accounts with Alliance Collection Agency removed and deleted from all XXXX credit bureau 's. I have uploaded supporting documents to help prove my case. In my supporting documents, you can see all the account numbers I referenced and that I needed debt validation.Thank you so much and I really hope the CFPB can see that alliance collection agency has taken advantage of my rights and the law. You are my last hope for resolving this matter and because of Alliance Collection Agency I have been in extreme anxiety and other forms of XXXX because of the grief they have caused me. I have tried so many times to handle this matter as an adult and take care of it responsibly but they have ignore my every request. Have a good day.
Product: Debt collection

I am being sued by Messer, Kramer about a debt they claim I owed. I received court documents stating I had to appear in Court, I have called, Faxed and emailed this company to verify this debt and I have not received a email certified letter or a call back to inform me of what this debt is, I have reached out on XX/XX/XXXX, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I have yet to still receive an answer on what this debt is and yet I am being sued by this Company.

I have not received anything about with this is, I even offered to settle amount out of court and I have here nothing from this company about any of this. They have refused to give me an answer on what this debt is.
Product: Debt collection

I was contacted by CRS ( Commercial Recovery Systems , Inc. ) about a debt they claim belongs to me in the amount of {$1200.00} for a payday loan. They would only tell me the year and amount of the debt and refused to give me any more information. I assure you this debt has nothing to do with me. They said that it was already handed over to their legal department and I would now be getting fraud charges added onto the pending lawsuit against me. They refused to give me any sort of documentation for this debt, and I have never received anything in the mail regarding this. I need these calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER CONSUMER didn't open this loan fraud
Product: Debt collection

NCB Management Services , Inc. has listed an alleged debt on my three credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. I have sent four certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( receipt attached ) and XX/XX/XXXX ( receipt attached ) requesting verification that the alleged debt ( {$4400.00} ) is mine, including any documents bearing my signature agreeing to this alleged debt. NCB Management Services , Inc. has responded to the letters from XX/XX/XXXX XX/XX/XXXX with printouts of a bill and itemized documents ; however, they have just responded with a letter only to the request for signature validation on XX/XX/XXXX letter which also informed them that according to FTC opinion letter from XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have yet to receive any verifiable contract or document bearing my signature. I am requesting that since they can not provide indisputable proof bearing my signature of the alleged debt, that this account, including the Original Creditor ( XXXX ) be removed from all three credit reports and that this collection agency cease and desist from trying to collect from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9000.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$9000.00} -This is not my account. 


XXXX. XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$3200.00} -This is not my account.
Product: Student loan

I am complaining yet again about Sallie Mae and the insane interest charges on my account. I check my account on XX/XX/22 and the total charges were {$26000.00}. I check a few days later XX/XX/22 the charges are {$26000.00}. Is Sallie mae ridiculous? I have gotten 3 loans with this private loan company and have been charged insane interest rates. 
Plus I tried to file a XXXX discharge with Sallie Mae and they refused it. I only work Part part and even with Social Security you allowed work credits. So sallie mae is going against Social security as well. Than they lied to me and said with the final loan I took I needed a co-signer for a " JUST IN CASE '' need and If I didn't get one I could not take the loan. Then when I signed up and sent a release of a co-signer they denied that as well and never told me that I had to make additional payments to get my cosigner released which is my mother and she is permanently XXXX. So that was unfair to her and me. 
I even talked to XXXX  XXXX the so called company that Sallie mae sends they XXXX discharges to and they asked me if I was XXXX before the loans were given to me and I said YES I WAS. XXXX XXXX that is consider PREDATORY LENDING against a XXXX individual. So Sallie Mae did predatory lending charges against me and my mother. I have complained about this to CFPB before and Sallie Mae has not and will not make any effort to help at all. Myself and my mother are both permanently XXXX and I said before I or my mother will NOT be taken advantage of by a predatory lender. Sallie Mae can send over all the paper work they want to. Sallie Mae and XXXX was sued already for predatory lending charges against students. They need let another civil class action lawsuit against them again. This is complete and unfair treatment against 2 XXXX women and this needs to be Stopped. Sallie mae are predatory lenders.
Product: Checking or savings account

Hi there they won't help out by having me open a account online because I ca n't drive to a XXXX XXXX XXXX  there so they won't open a account there and now I need some assistance there form them to get a account open online my XXXX money is on hold
Product: Money transfer, virtual currency, or money service

I have been using Paypal for a while now, which was a nice experience and have never had disputes with the company until the following occurrences : On XX/XX/year>, at XXXX XXXX, I received an email from the company requesting that I provide more information about my account and other transactions that recently took place in my Paypal account. I did not hesitate to send them all the requested information, which I have attached here. Immediately after I finished submitting all the required information, my Paypal account, which was now on a temporary limitation, was all over a sudden imposed with a permanent restriction, which they termed as due to risk my account. it was the right idea for the funds to be held for the next 180 days before I could contact them. I tried reaching out to them through the app with proof I am going to provide below but they responded by stating that the only solution was for us to part ways, which was so unfair to me. Below I will attach all the documents and messages we exchanged with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I did not grant permission for these investigations and firmly suspect they are deceitful. I implore you to conduct a comprehensive examination and promptly expunge them from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Reviewing my Credit Reports, I noticed that there is a Public Record Bankruptcy on my Credit Report. XXXX  and Trans-union have not verified Accuracy of Bankruptcy on my credit report. I disputed these item on my report with XXXX  and Trans-union but they have not remove public record Bankruptcy. Im not able to get approved for any new line of credit because of this. XXXX  and Trans Union are violating Fair Credit reporting act. The Bankruptcy reporting on my credit report has an address where I do not live. I disputed these items multiple times but they have not removed item. I contacted the Federal US BankRuptcy courts which they advised that they do not report to the credit bureaus. They do not disclose anyone Social Security or Date of Birth to credit bureaus. The Credit bureaus are in complete violation of Fair Credit Reporting Act.
Product: Vehicle loan or lease

Since XX/XX/XXXX unfortunately I have had many credit reporting issues with Ally Financial. I have consistently made on time payments with my account being on autopay. The company previously went 6 months without reporting to the credit bureaus when my payments were on time and it was not until I called an complained that they reported my updated balance to the credit bureaus. In XXXX I alerted the company of an accounting change I was undergoing while switching my primary banks. Due to the account being on autopay I alerted them of the change. I was incorrectly advised that my payment was made successful for the month and I didnt owe anything. Had I had been properly advised I would have made sure that an additional payment was made so that there wasnt any chance of a payment reflecting late. Before this instance I had never made a late payment in fact it has always been on autopay since XXXX so I could stay accountable and make on time payments. Since this instance I have updated my autopay and continued to may additional on time payments. This has since prevented me from obtaining a mortgage loan due to the company providing me incorrect information. This does not show my true credit worthiness and had Ally alerted me sooner or the issue I would have had time to rectify the situation before it was considered late. Besides this Ally had been a great company to work with and has been there for me for all my first as this was my first vehicle financed. I hope that Ally can resolve this matter in good faith so I can obtain my mortgage loan and they can continue to be there for my future firsts! 

The photo attached is from XXXX after speaking with multiple reps who advised the payment was successful I updated the autopay on file and also saw that the account was reflecting current and already on to next months payment as if the XXXX payment was in fact made successfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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

all inquiries on my credit reports are fraudulent and the accounts listed on my FTC report is also fradulent. please remove this is a real hassle for me trying to get my credit profile back secure. please delete all fraudulent information
Product: Payday loan, title loan, or personal loan

Hello. Please refer to previously submitted complaint ID XXXX. Affirm responded with the following : If you are in need of a modification in the future, you may follow this link and apply to see what options are available to you : XXXX XXXX XXXX However, this website does not work and has not worked when I came across it months ago and reattempted just moments ago ( please see attachment ). Their response is misleading as a veiled approach as if they have a financial hardship policy for their consumers.
Product: Credit card or prepaid card

Hello, I stopped using a barclays jet blue MasterCard over two years ago. The card at the time i used it carried no fees. 

Ive received no bills, in paper, or electronically from barclays for over two years. 

Through using XXXX, I discovered that my credit score dropped over XXXX points due to unpaid bills from barclays.

I called barclays and explained that I hadnt use the card in two years and thus had no idea what the charges could be from. They explained that they had this year instituted a {$40.00} annual fee.

Because I had received no bills, the city remains unpaid, for two months, and was reported as a delinquent payment.

I explained that I had received no bills, and they vowed to take it off my credit score. However, I am concerned that this happened in the first place. 

I need to make sure that the bogus late payments are removed from my credit score. Thanks so much
Product: Debt collection

This collection company is saying i owe XXXX XXXX money. 

I have NEVER had an account with XXXX XXXX This is not my debt. This comes up every few years. I have been fighting this for YEARS>..