23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have an account set up with CreditKarma, and have for about 1 year. On XXXX XXXX 2016 at XXXX XXXX I received an email from XXXX Karma to my gmail that there had been a request to reroute my account to a new email address. It instructed me to respond if I had not made this request. I responded immediately that I had not. I received an automated reply stating that I would hear a response in 1-3 days. I attempted to log in to my account, but my password had been altered. When I attempted to retrieve the password by having the reset sent to my actual email address, the emails did not arrive. When I finally was able to access a part of their site to let me verify additional information for the password, the link was broken and would not submit. According to their forums, this is a common problem that many people have encountered. Later that day, I received a call from XXXX XXXX XXXX credit card online services asking if I had made an attempt to open a card. I had not, and told them that it was fraudulent. I then contacted the bureaus, froze my credit, and again attempted to contact CreditKarma. It was n't until nearly two days later that they sent me a basic email asking if XXXX was my email. It was not, it was the fraudulent email. They offered to freeze my account, however, offered no explanation as to how someone was able to gain access to my account, and reroute my emails, change my password, and collect my info. I was locked out of my own account, and they have no option to contact someone via phone or instant chat. The phone number listed for their site is for a line that has a recording. Their service is very slow, and even though it is a " free '' service, they are sitting on a lot of people 's very valuable personal information and owe consumers the ability to reach someone in an emergency situation. To be made aware of an attempt to change my email information, and be powerless to stop it makes no sense. I received the notification and was told to respond if I had not requested this, but in the 2 days it took them to respond, they already granted the criminal access and the ability to change my info. If I had been able to call a number or have an instant chat, I could verify my info. Their security is very lacking for a site with as much personal information as they gather. It is concerning that they offer no way to escalate or triage issues that are very urgent, and can lock the user from their own information while allowing thieves to collect it and use at their will. They need some mechanism to correct this, and their very slow emails are not adequate to protect the amount of information that they have in their database.
Product: Credit reporting or other personal consumer reports

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 This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Status updated XXXX. This account is out of date, reported inaccurately, and incorrect information. It must be removed from my consumer report effective immediately and indefinitely. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company was not clear that hard credit inquires would take place ... now I have MULTIPLE hard inquires on my report and a hit on my credit!!!
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX  XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 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 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$49000.00} has inaccurate and incorrect information. TransUnion is showing a date reported XXXX XXXX when XXXX is showing a date reported XX/XX/XXXX. This information is inconsistent. Please see attachments for verification. I would would like for this account to be removed from my credit report because it is not following the rules or guidelines for the consumer credit reporting.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my credit reports from XX/XX/XXXX : Collection account from XXXX XXXX  with account # XXXX and a balance of {$XXXX}. 

XXXX reporting agencies have it as open and XXXX has it as closed. Also, with different dollar amounts. This is inaccurate I want all XXXX bureaus to verify these accounts! 

Next, XXXXXXXXXXXX  account with account # XXXX opened on XX/XX/XXXX with a balance of {$XXXX}. This account was transferred to a debt collector and is still reporting monthly. This is inaccurate Finally, XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$XXXX} or delete the negative payment status on this account.
Product: Credit card or prepaid card

I was offered a credit card promotion on my purchase, that if I make a purchase then I will pay back before XX/XX/2018 and I will not be charged any increase in percent interest. I was making regular monthly payments and additional payments toward my promotion. I spoke with many representatives before and they all told me that I can make payments towards my promotion on any day, I just have to mention that payment should be applied towards the promotion. I had no problems up until this month. I made my regular monthly payment and several days later, I called to my credit card and made an additional payment for the promotion. A couple of days later, I checked my balance on the promotion and it didn't change! I called them and asked what was going on and they said I should check it in a couple of days. I checked 2 days later and nothing had changed. I called again and now they tell me a different story : they applied my payment as a regular monthly payment for next month ( next month hasn't even started ). I spoke with the supervisor and she started to tell me that she can't apply my additional payment until I pay for next month as a regular payment. This is an outrage!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX XXXX XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted. Please delete the following items : Addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Hello, I filed a complaint to get on SAVE plan and EdFinancial was able to FINALLY get me on the plan after repeated calls. I made my first student loan payment before my due date of XX/XX/23. I noticed that my interest kept accumulating and was not waived. I talked to a rep who didnt understand that interest rates should be waived on SAVE PLAN. I actually had to read the studentaid.gov website information to her regarding interest rates being waived on SAVE. Asked for a supervisor who said that the interest would be waived after my due date of XX/XX/23. The due date came and went and my account has been accruing interest like crazy. It has not been waived AT ALL. I called again and another representative agreed that the interest rate should have been waived and my balance should be lowered than what it shows. She said it will go to their account department. I havent heard back and every day my interest accrues and my balance keeps growing. Im 100000 % certain that EdFinancial is unlawful and frauding borrowers.
Product: Credit card

I am writing to formally report a serious breach of confidentiality regarding my account with Discover Financial Services. On XX/XX/year>, I received a letter addressed to me at my home, but upon opening it, I discovered that the contents contained the personal and/or financial information of another customer ( XXXX XXXX XXXX XXXX XXXX 
This raises serious concerns regarding the security of my own personal information and whether it XXXX have been improperly disclosed to other customers as well. As a customer, I trust that my sensitive data is handled with the highest level of care and in compliance with relevant privacy laws, including the XXXX XXXX ( XXXX ) and any applicable state regulations. 
Due to this breach, I am deeply concerned about the integrity of my account and the potential impact on my financial security. As part of resolving this matter, I am requesting that my outstanding balance of {$4200.00} be reviewed for possible removal or adjustment as a goodwill measure, given the companys failure to adequately protect my private financial information. The stress and uncertainty caused by this situation have created an undue burden, and I believe it is only fair for Discover Financial Services to take meaningful steps to make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to all credit bureaus XX/XX/XXXX in regards to reporting an bankruptcy under my public record that was not verified and not provided by the XXXX bankruptcy court directly. I reached out to the XXXX Bankruptcy Court Middle District of XXXX XXXX and confirmed verbally that to don't provide info to XXXX parties that are not included in the initial case. ( XXXX XXXX, Experian, XXXX XXXX XXXX are not included included in any of the court case information ) In the letters I sent I requested that they remove the Bankruptcy from XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Identification Number : XXXX XXXX, Dated Filed : XX/XX/XXXX with all credit bureaus XXXX XXXX, Experian XXXX XXXX XXXX XXXX XXXX due to reporting inaccurate and/or incomplete, unverified information concerning my public records in consumer reports. I have not received any correspondence back from any of the credit bureaus within the XXXX  day. When I didn't hear anything back, I sent XXXX Bankruptcy Court Middle District of XXXX XXXX a letter for a written statement instead an verbaI conversation had with them so I could file a complaint with the CFPB because I feel like the credit agencies are not taking my request seriously enough to respond. I sent in Personal Information update request with the credit bureaus and got a response from only so far was from Experian ( which is still incorrect ) but No one responded to the Public record correspondence I sent in.
Product: Credit card

On XX/XX/XXXX, I received an email with the text Unfortunately, we've decided to close your account. with a XXXX XXXX  link. Following that, it basically said the reason was Suspected Fraud. At the time they closed my account, I had points worth over {$300.00} if used to pay certain merchants, and a bit over {$200.00} if used with others or for cashback. They removed the points, so if anyone has done something fraudulent here, its them. I contacted their customer service and basically they refuse to tell me more details about why they suspect fraud and refuse to do anything for me to reinstate my account or provide the cash value of the points. 

Each month on the 5th of the month, I have several scheduled charges for donations to my Church. This had been on-going since XX/XX/XXXX, so it was nothing new. In XX/XX/XXXX, the largest of these monthly charges was declined. Later in the month I manually ran it, and it was successful. The morning my card was cancelled was the XXXX of XXXX, and it was cancelled hours after another set of donation charges went through, none of them being declined this time. Oddly, the cancellation seemed to happen right after I had used points to pay off a charge that was less than {$20.00}. 

Please note that this is with the XXXX card, which Robinhood Markets acquired in XX/XX/XXXX, which is why Im logging the complaint against Robinhood. If this should be against XXXX, XXXX, please route it accordingly, but since the issue is from XXXX, the new owner seemed appropriate to me.
Product: Mortgage

I took out this mortgage in XX/XX/XXXX and I pay my mortgage on the XXXX  of each month, The mortgage started with XXXX XXXX XXXX company and sold/transfered to Newrez/Shellpoint mortgage servicing companies in XX/XX/XXXX. In XX/XX/XXXX I received a notice that I missed the XX/XX/XXXX payment and they said in a letter that they reeived the payment but it was returned for insufficient funds, XXXX months later, and the computer failed to send me notification that the payment was returned, impossible because the funds was in the account. per my bank statements, and i also have overdraft protection to cover any debit from my account. I have sented Newrez my XXXX XXXX  bank statement that shows the payment was posted on XXXX XXXX, XXXX but they insist that the payment is missing, then they said I missed a XX/XX/XXXX payment, I sented them XXXX bank statement that showed that payment was also paid. Then i get a notice that my paymests has increased by {$170.00} due to insurance and taxes, I am tax exempted because I a XXXX XXXX XXXXXXXX veteran perm. and total, My insurance should have {$2300.00} a year with XXXX insurance company. I have the policy from XXXX. I have received many many letters and phone calls from Newrez to the point of harrassment. I want Newrez to cease and desist from calling or writing me.From this point i will only speak with my point of contact at Newrez!
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all XXXX CRAs and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted US Bank about fraud on my credit card. US Bank stated that I wouldnt be responsible for any of the charges. I filled out paperwork for fraudulently charges and filed a fraud report. US Bank closed the card and removed the charges. US Bank closed the account and sent me a check {$6100.00}. I didnt authorize anyone to make any charges on my account. US Bank have now put the charges on my credit report. This is fraud. How can they put something on my credit report I didnt authorize? Im not responsible for fraud. I want US Bank to remove and clear all negative and derogatory reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to contact the following companies in regard to Identity theft & fraud with the following accounts : XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX ..... Updated XX/XX/XXXX ... {$3700.00} XXXX XXXX XXXX Opened XX/XX/XXXX ..... Updated XX/XX/XXXX. {$4200.00} XXXX XXXX XXXX Opened XX/XX/XXXX ... ... updated XX/XX/XXXX, {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ... updated XX/XX/XXXX Balance {$14000.00} XXXX XXXX XXXX- Opened XX/XX/XXXX... Updated XX/XX/XXXX, {$4400.00} XXXX XXXX XXXX opened XX/XX/XXXX, XXXXupdated XX/XX/XXXX, {$480.00} XXXX XXXX XXXX XXXX- Opened XX/XX/XXXX... Updated XX/XX/XXXX, {$15000.00}
Product: Debt collection

According to my credit report Gulfcstcol received this account from another collector of which I did try and contact and explain what was going on. Thought all was well and then I seen Gulfcstcol had put it on my credit report as derogatory remarks and owing {$250.00}. First of all they  have repeated the charge twice, dated XXXX, making it look like two charges now. Secondly the first charge never should have been on there at all as I was under XXXX XXXX at the time and went into hospital and they were accountable for the charges.
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities.

Delete below accounts and inquiries from my consumer report immediately. 

Accounts : XXXX XXXX XXXX. 
Affirm XXXX XXXX XXXX XXXX ANY OTHER NEGATIVE REPORTING ACCOUNT. 

Inquires 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 ALL OTHER INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around 10 years ago I became deliquescent on multiple credit card accounts. So of course they appeared on my credit report. 
Fast forward to 2020, now when I checked my credit report ( all three ) there is no record of any of the delinquent accounts. I have paid 3 of them off and there is no record. 
I am making a compliant about Experian, I have contacted this company multiple time trying to correct the information that they have on my report. I have tried to contact them on the phone but I can't seem to get a hold of a live agent. 
I have sent them my dispute information and documentation to prove who I am and the correct information. All they keep doing is sending me the same report back. 
I informed them that they have very old information about me. They have incorrect information about me ( address, spouse name, social security number, and miss information. ) I still have not been contacted nor have they corrected this information. I have been trying now for 2 years to resolve this issue and I still can't seem to get a hold of them. 
I was involved in a data breach with XXXX and XXXX has no information about any of my credit card debt or my hard work in paying them off. This is important because it affects my credit score. I even received correspondence from Experian saying that I no longer have a credit score. I am so very confused with all of this. And it is a very big issues since most companies and employers rely on the 3 credit bureaus for information. I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. Purusna to 15 use 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed alot of different errors on my credit reports including company XXXX XXXX which is still reporting late payments and I haven't been late. Also XXXX XXXX XXXX  is still reporting wrong info to the credit bureaus and haven't provided me with any proof of their verification process on verifying the alleged debt and failed to remove items from my credit report. The investigation results remain the XXXX same and I'm tired of this, I'm tired of these creditors and credit bureaus not complying with the law. Also NCB has been reporting late payments on my XXXX report and that's illegal especially if I never made any type of agreement with them, I have proof. Another thing I wanted to bring up is that the company XXXX is reporting an account on my credit reports that they no longer own, and this account needs to be removed. I've attached my credit reports and dispute letters to this complaint.