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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX LATE PAYMENT INCORRECT REPORTING. I opened this account in XXXX whenIi moved to XXXX XXXX XXXX # XXXX XXXX, NY. A year later I moved to XXXX XXXX XXXX, XXXX NY XXXX and the following year I moved back to the same apartment ( XXXX XXXX XXXX # XXXX XXXX NY XXXX ) during the process of moving back, the XXXX agent wrongly left the account from XXXX XXXX open instead of forwarding my account to the new address. The agent opened a new secondary account on the XXXX XXXX XXXX address leaving me with two open accounts while continuing sending bills to XXXX XXXX XXXX. XXXX NY XXXX. Late in XXXX of XXXX I discovered through my credit report that I have over {$600.00} collection account open with XXXX, despite me paying my bills. After months of investigation and escalations, finally a manager from the executive department apologized for their mistake and told me that if I pay off a balance of around {$270.00}, they would remove the account from my credit. Here is the case number that pertains to the above information, and to the removal of the XXXX  account. Escalation Case number : XXXX Unfortunately, after following the managers directions and paying the balance, the account is still being listed on my credit report despite my disputes and XXXX promises. Please remove this XXXX account immediately as it is causing unjustified and unreasonable damages to my credit and to my life. XXXX LATE PAYMENT INCORRECT REPORTING.
Product: Debt collection

XX/XX/XXXX CBCS CBCS XXXX XXXX XXXX XXXX ( XXXX ) XXXX I Spoke with XXXX at XXXX on XX/XX/XXXX. 
I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by CBCS for me, [ XXXX XXXX ], for account number XXXX. 
Due to possible inaccuracies in these credit reporting agency reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally. 

Please know that you have 30 days from the tracked and confirmed delivery of this notice to either answer these demands or to remove the associated negative trade line notations from the credit reporting agency reports. 

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

Comenity Bank XXXX XXXX is reporting lates for the months of XX/XX/20, XX/XX/20. Due to Covid, I have suffered some hardships, the majority being financial troubles. I am a very punctual and diligent person about paying my dues and debts. I however, am asking at this time for these late notations to be removed. I have been a very good customer and plan to be a great customer. Unfortunately, during that time, I went through some things. I ask that Comenity Bank takes some leniency on me and remove the lates from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my updated credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

I applied with CitiMortgage, the servicer, in XX/XX/2015 for loan modification - particularly for interest rate reduction from current nearly 7 %. After I provided them with all documents they asked, they would change the customer service representative and the new one will ask for everything again. This has been going on since XXXX, 2015. I do not think they want to reduce the interest rate and want the program to expire. 

My property address is XXXX XXXX XXXX, XXXX, MD XXXX. The loan # is XXXX.
Product: Consumer Loan

We own a XXXX ( XXXX ) and were offered " Merchant Financing '' by American Express. I spoke with them at length about the amount of the loan, how it was to be paid back and what payback was based on. The way the loan is repaid is within a year period, they pull a percentage of the credit card payments to the business before they hit our bank. My understanding after numerous conversations and seeing the numbers in the contract, was that the repayment was based solely on our last year 's income. I figured this was a good, smart way to structure a loan since we are a fairly new and growing XXXX. I knew I could pay a percentage of our income based on last year. However, XX/XX/XXXX I noticed something was wrong. We made $ XXXX more XX/XX/XXXX than last XX/XX/XXXX, but somehow we still did not reach the payment amount American Express had set for the month. I called them and asked how this was possible if it was based on last year 's income. It took me numerous calls and follow up e-mails to finally learn that they had added a XXXX % growth rate into the equation when they calculated our loan. I spoke to several people and, based on the fact that I was misled, asked them if they could extend payback to two years ( from one ) or give me a couple months break while I found a bank to refinance it. I was told no on both counts.
Product: Debt collection

On XX/XX/2021, XXXX XXXXXXXX XXXX attempted to seize my car on behalf of ALLY FINANCIAL. Upon arrival, the repo agent constantly advertised the sale my debt to me in an attempt for me to pay it and not tow my vehicle. This is a violation of 15 USC 1692d ( 4 ), federal law. Every detail is ON CAMERA!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX also XXXX -account 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My son 's car was declared a total loss after an accident he had and car got paid off by insurance, GAP, and received a XXXX dollar refund for over payment. XXXX XXXX now called XXXX reported we had a balance but institute said and showed balance was paid off but it has not and should have never been reported as negative mark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate. The bureaus requested me to verify my identity I provided verification and they have not updated my report
Product: Bank account or service

I paid {$75.00} for annual fee on my checking account with Suntrust. This fee was paid for account benefits that include XXXX XXXX XXXX reward for each {$1.00} spent. However, they changed rules in XXXX 2015 and now XXXX XXXX XXXX reward will be rewarded for each {$2.00} spent and they also limited the maximum award to XXXX miles per month which makes this checking account absolutely useless for me. I paid {$75.00} for the full year of advertised benefit and I am not getting it anymore so I believe that bank must refund me my annual fee for this year.
Product: Credit card or prepaid card

In working with Citi cards. They reduced my line of credit down from XXXX to XXXX to the amount that i owed on the account on XXXX of 2020. Then they reported on my credit report that i had maxed out my line of credit. I get it covid and the need to protect their interest. But over the course of the next 11 months i paid on time and tried to pay more than the minimum. On XXXX I paid XXXX down on what i owed on the account and on XXXX they reduced my line of credit down again to the amount that i owed of XXXX. 

Their response was that my reduction was due to my credit score. Well my score stayed flat and even their fico score show only 1 point of movement. Well i ask these questions of citi card 1- If i make another large payment will my line of credit be reduced again ( their response was that they were not sure ) 2- I asked what step i needed to do to help increase my credit score with their company ( their responded was that they do not have any steps or process to improve the score. ) 3 - I asked if i had any late payments or covid paused on the account and they said i has a clean payment record for the past 5 year but they are not sure how this impacts my score.

4 i asked if there was another covid stimulus payment and i applied it to my account what would happen -- they responded that they would love the payment and were not sure if my line of credit would remain the same. 

Long and short citi cards at XXXX are destroying my credit and making it difficult to recover my credit score.

The reason for the large payment was to reduce the amount that i owed and get the maxed out line of credit off of my credit file. I certainly did my part my saving and making my payment on time so this line of acting is damaging to anyone who is trying to recover.

The fact that i am concerned with is that there is a lot of other people that once they are credit line maxed out their credit interest rate also will go up. I have seen other card that i have go up a point or 2 just because of this type of action.
Product: Checking or savings account

Regions bank has charged me {$270.00} in overdraft fees thru state the see when the account is out of the negative before the cut off time but I was still was charged
Product: Mortgage

We, my husband and I, are being charged another {$1000.00} on our mortgage payments without real justification for the increase ( from {$1000.00} to XXXX ). Last month with the auto pay that we had set-up with them our account went negative about {$900.00}. We scrambled to make up the difference immediately and tried to communicate with this company to get answers, but we were only given the run around. I had to figure out on my own that I was being over charged on the taxes. So I went to the tax offices that are involved, because I happened to buy a house that is situated in two counties ( XXXX county and XXXX county ). Both counties explained how we are taxed. We pay full county taxes for XXXX, because that is where our house is physically at and only pay Comal ISD and city taxes for XXXX county. Very simple. They gave me estimations on what the taxes are, that came close to what we used to be billed. So with this new knowledge I called the mortgage company explained where their mistake was, but I have experienced with them the run around. They said it was going to be corrected and still have n't corrected anything. Now it is another month and the payment is due, but we are still being charged the {$2000.00} and again I went to the county offices and they told me the same thing and gave me print outs of what they thought could help ( to fax to the mortgage company ) and they told me the mortgage company should call them, so that the county offices can explain it to them ( the mortgage Co ). The mortgage company is telling me I have to wait 7 days so that they can investigate the situation, again. But our mortgage is due my husband and I only have the normal amount that we were a custom to paying and budgeted for, we do n't have {$2000.00} to give them this time. We never would have bought a house with such a high monthly payment. Never! Now I 'm scared to lose the house over something that is not true and correct. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 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. Code 1681a - Definitions ; rules of construction Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

After a routine password change on XX/XX/2020 Coinbase is denying me access to my account, thus holding onto any initial investment as well as any subsequent earnings. I have tried to multiple times to verify my account and contact Coinbase support. I have also tried numerous times to verify my account to no avail. I have been unable to resolve my issue, or speak with a human. Not only will I lose any earning but I will lose my initial investment. All I want is access to my account. There is virtually no support at Coinbase and every email correspondence I've received from them has been computer generated.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a transaction that equated {$450.00} from an XXXX XXXX on PayPal. This was sent with PayPal 's Friends and Family service, which is a payment method used for gifts of money that are not intended to be disputed with. On XXXX XXXX, I received an email stating that XXXX had opened an " Unauthorized Transaction '' case against me, along with a message that XXXX used as a scare tactic against me. 

" Hello XXXX. As you probably know, you may show a transaction in error. We are working to correct this issue for you. You can reverse the payment in order to speed up the process, and reduce the risk of federal violations associated with the RICO act. 

I had confirmation from the sender himself that he had meant to send this transaction. I uploaded all of this information on XXXX XXXX XXXX XXXX. On XXXX XXXX I received an email from PayPal stating that the case was closed in my favor and that the matter was done. After all, I had substantial information that the case was not an unauthorized transaction. 

On XX/XX/XXXX, nearly a month after the dispute was initially resolved, I received an email stating that PayPal was charging me for the money, as well as charging me a {$15.00} dispute fee. I called PayPal about this and requested more information about what happened, especially since I thought it was ridiculous that I was being charged for a matter that was resolved one month prior. PayPal simply told me that the other bank had new information that resulted in the charge-back going through, and did not provide me any more details on what happened or why the case was being resolved in this way. I thought PayPal had done proper research into this matter, and I just want to see if there is a resolution to this matter, as I thought PayPal would back me up on this.
Product: Student loan

Why are the interest rates so high to get an education in the US. I can not afford my base payment even though I make a good wage. The loans do not take into consideration life and the cost of taxes on your income. I am going to need to get a second job just to find a way to pay these. I appreciate the education. I should not even have my loans from 20 years ago because I went through the program through unemployment. but they never paid. XXXX me
Product: Debt collection

I was an XXXX XXXX XXXX with the XXXX living in XXXX, Ga. I was on orders to deploy to XXXX in XX/XX/XXXX and gave the proper 30 days notice to my apartment complex. My orders changed and had to send me to XXXX two weeks earlier than planned. It took a little while longer to get my orders back to the apartment complex due to the moving around and issues with deploying. Once I got them the orders they had already sent my remaining balance for leaving two weeks earlier to the debt collector, IQ Data XX/XX/XXXX. I tried to give the debt collectors all the information but they would not leave me alone or dismiss the debt until I gave them a no contact order. In XX/XX/XXXX/ XX/XX/XXXX I was successful in removing my debt from XXXX  and XXXX  XXXX At this time XXXX and IQ Data both remain steadfast in not acknowledging the documents per the Military Clause in a renters agreement contract. I will not pay this debt since it is unjust and illegal.