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

I received a email that someone checked my credit and itll affect my credit score. The thing is I never gave anyone PERMISSION to check my credit score. I believe its fraud being taken in place. How can I get this situation to stop? Or from happening again.Then its with the Company credit karma and I cant get in my account or in contact with them ever.
Product: Student loan

At the beginning of 2017, I filed a complaint with cfpb regarding misinformation from a XXXX agent which resulted in a substantial increase in interest accruing on my student loan balance. I have attached a copy of the initial complaint for reference and the details surrounding my case. I have not received any response from XXXX other than the suggestion to follow up by phone, and unfortunately I am still in a state of " limbo '' as XXXX no longer holds my loan and the cfpb status link from the original e-mail does not work. It's a shame that servicers like XXXX can misinform young adults that are just graduating and consequently those servicers profit by misleading students due to more interest accruing.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Report Act, this creditor has violated my rights under 15-USC-1681 Section 6 to 2 states I have the right to privacy ( 15-USC- 1681 ) Section 6 0 4 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit report, I disputed FRAUDULENT accounts from my report. I was FALSELY accused of using a credit repair company, I HAVE NEVER USED A CREDIT REPAIR COMPANY. I received notice as if I'm incapable of submitting a dispute and an affidavit on my behalf. I demand a response within 10 days. If I don't have a response in 10 days, I will be filing a complaint with the Office of the Attorney General.
Product: Credit reporting or other personal consumer reports

I requested applications from the following company 's that would warrant a inquiry on my Experian credit file, and did not receive an response. Also, I contacted Experian and they stated to contact the creditor. 

ADMINISTRATION SERVICE -XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Identity IQ dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative accounts on my credit report. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a negative that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this negative account, including this incorrect information from my personal profile. A copy of my Bank Statement, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEM : XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express incorrectly calculated the amount basis for interest charged on my XXXX Card. The amount carried forward from my XX/XX/2022 statement to my XX/XX/2022 statement was {$3500.00}, however I was charged interest on {$5400.00}. With an interest rate of 20.49 %, this resulted in an interest charge of {$94.00}. The correct interest charge should have been {$61.00}. 

I called AMEX customer support at approximately XXXXXXXX XXXX on XX/XX/XXXX to dispute the charge. The customer support representative could not identify why I was being charged interest off of this amount and escalated the case with her management. As of writing, the case is still currently pending resolution with AMEX management ; however, the issue is not whether or not AMEX will correct the problem in this instance. The issue is that the interest calculation process is clearly automated, and this may be indicative of a serious issue with the way that AMEX calculates interest. If customers are not reviewing their interest charges monthly, it's likely they are unaware that they are being overcharged for interest. And even if they are, it's costly in time on the part of the customer to call AMEX for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally filed a dispute on XX/XX/XXXX via certified mail to all three credit reporting agencies : XXXX, XXXX and XXXX. I received a letter on XX/XX/XXXX from them stating that the Collection account has been verified as accurate. In my letter I requested for them to send me copies of the documents they used to verify the collection. They have failed to send me any documents. They have continued to report this inaccurate and unverified collection on my credit report. On XX/XX/XXXX I sent a U.S. Postal certified mail receipt to Professional Debt Mediation , Inc. requesting that they send me copies of the documents they used to verify the collection. They have failed to send me any documents. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Update : I called XXXX via phone yesterday XX/XX/XXXX and spoke with a representative that advised me that the collection from Professional Debt Mediation has been removed from my credit report. The representative stated that Professional Debt Mediation contacted them to remove the collection from my credit report. I would like for XXXX and XXXX to remove the collection {$4700.00} from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account XXXX. I would like XXXX XXXX XXXX to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.
Product: Checking or savings account

On XX/XX/2023 at XXXX XXXX. I come to the bank of america at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. 
I am deposit check and i have the received copy they said on XX/XX/2023 {$5300.00} at XXXX. And On the XX/XX/2023 {$100000.00} at XXXX XXXX. 
now i am received the email said the check on hold to the XX/XX/2023 at XXXX. 
that is not right by the law. can some one please try to help fix the bank law.
Product: Debt collection

There are numerous fraud accounts in my profile that i want to remove in compliance w/ FCRA. kindly remove the following : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/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 XXXX
Product: Checking or savings account

I have had a Wells Fargo checking and savings account since XX/XX/2000, I've had numerous times my account was low on money and had to pay {$35.00} for the bank to transfer from my savings account. I haven't received money for the class action Sute going on right now, I called the bank they stated that I have to wait for them to process the payment, my daughter received over {$500.00} from Wells Fargo over six weeks ago for the same issue.
Product: Debt collection

Company : COLLECTION BUREAU OF A Account Number : XXXX I am unaware of this alleged debt. I did not have the opportunity to dispute this debt previously, as I did not receive proper notification. If you believe I received proper notification, please provide evidence of the certified mail with the delivery receipt showing my signature, confirming that I received it. Without proof that I was properly notified, I can not confirm the validity of this debt claim. Please supply the appropriate documentation demonstrating proper notice was provided to me.
Product: Credit reporting or other personal consumer reports

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

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

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

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

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

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are violating my rights as a consumer. I had informed them multiple times that I was a victim of fraud and they are reporting information on my credit report that I never authorized or gave them permission to. I've attempted multiple times to get this resolved and they refused to assist me. This has ruined my reputation and has caused XXXX within my life.
Product: Credit reporting or other personal consumer reports

I have tried for months to get this fraudulent account off of my credit report. Both of these companies are very unprofessional and obviously lack credibility when providing accurate information. There is a fraudulent loan on my account. I have provided all information of how this account does not belong to me and they insist it remains on my credit report and negatively affect my score greatly
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I marked as inaccurate : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX PrXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Excessive Interest Rate : I took out a loan with Three Sticks Lending and have discovered that the interest rate applied to my loan is 472 %. This rate is excessively high and falls far beyond what I believe to be fair or reasonable for a consumer loan. Such an exorbitant rate imposes an undue financial burden on me and raises serious concerns about the lending practices of Three Sticks Lending. 

Unauthorized Withdrawal : Additionally, on XX/XX/year>, an amount of {$400.00} was withdrawn from my account by Three Sticks Lending without my explicit consent. This withdrawal was unexpected and has caused significant financial inconvenience.
Product: Money transfer, virtual currency, or money service

On XX/XX/18 my renter ( who generally pays by money transfer ) transferred XXXX into my checking account at SunTrust Bank. However, instead of the money being deposited into my account, it was withdrawn from my account and deposited into the renter 's account, leaving me with a negative balance. I called the bank to fix this issue and they said I will have to pay a {$36.00} bounced check fee. This is the bank 's mistake and not mine. How my renter ( who has no legal access to remove money from my account ) was able to withdraw money from my account is a huge concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX 2015 XX/XX/XXXX from Carvana aroundXX/XX/XXXX. I bought the car and then traded it in for an XXXX XXXX   2015. When I did this, I had XXXX send the payoff amount that they quoted me, to themselves for the XXXX. Carvana/XXXX is claiming that the payoff was {$3000.00} short. I understand that, however the quote I was given covered the full amount of the car, and I sent it to XXXX  and Caravan and it was approved. The issue here is that on my credit, XXXX  shows a charge off amount for the XXXX   on my credit of {$27000.00}. This is not accurate as I got a payoff for the XXXX. Please remove the XXXX off my credit as I properly traded that car in for the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$4500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$1400.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$840.00} XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX  XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Credit Report Dispute Letter Dear Equifax, I XXXX XXXX have written this letter to dispute claims that are falsely listed on my credit report with your bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX  inaction violates federal law and my rights as a consumer.
Product: Payday loan, title loan, or personal loan

Im writing to you because I noticed that my most recent credit report contains a late payment reported on XX/XX/2019 and XX/XX/2019 for my REGIONS BANK account. 
I want you to know that I understand, and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have been reporting a bankruptcy on my account now for over two months and I have contacted them twice about it and they have ignored me. This information was taken off when I reported them to Consumer Financial Protection Bureau and then they waited again and put it on. 

Again I have sent them letters and have called and they have not responded to the letters and have told me on the phone they will look into it but have not. 

I have been denied credit and can not buy a home because of this bankruptcy that Equifax can not verify. I have sent letters from the court in Illinois verifying that Equifax has not contacted them. Yet Equifax has not tried to resolve the issue but has left this derogatory information on my credit profile which has caused me great distress in paying more for insurance, can not buy a house, and have to pay more on rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. 

I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this XXXX question. How did you investigate these accounts? 
Because according to the fair credit reporting act XXXX XXXX XXXX XXXX this is how you are supposed to investigate my consumer report Did you interview my neighbors? Did you interview my friends? How did you talk to? 
I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this XXXX question. How did you investigate these accounts? 
Because according to the fair credit reporting act XXXX XXXX XXXX XXXX this is how you are supposed to investigate my consumer report One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same Information. 
One more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$20.00}
Product: Checking or savings account

JP Morgan XXXX has my account. Ordered a wire transfer and was declined by fake employees that have no ID, last name, tel nbrs or connection with the bank. Contacted XXXX more times the Bank and these employees still declined. Recipient is a legitimate operator with all tax ID and bank credentials verified. JP Morgan Chase Bank has to immediately be investigated for non compliance of consumer trust and deliberately stopping transactions by unknown representatives that do not even spell XXXX correctly.
Product: Student loan

I logged into my Navient account on their website. I was setting up a budget for the next year and I noticed my balance due is approximately {$18000.00}. This balance is for 3 private student loans I have through Navient. I had received these loans in XXXX XXXX, XXXX XXXX and XXXX XXXX. My original loans balances ( added together ) was approximately {$19000.00}. As of this date my loan balance is approximately {$18000.00}. In XXXX, I was paying a payment of approximately {$450.00} ( 3 months ). That dropped to {$130.00} ( for 2 months ). It was then raised again to {$230.00} ( 18 months ). Then my payment dropped to {$180.00} ( 18 months ). Then it raised again to {$210.00} ( which I  have been paying since XXXX ). Navient states that my expected pay-off date is XXXX. I was looking at the break down of the payment and how it is applied. I am pay way more toward interest then I am toward the principal every month. One of my loans balance started off at {$5500.00}, its balance is now {$5400.00}. And I have been paying on that loan since XXXX. Another one of my loans original balance was {$7000.00}, and its current balance is {$6800.00}. Again I have been paying on this loan ( the longest ). My 3rd loan original balance  was {$7000.00} and its current balance is {$5700.00}. I understand that I have somewhat high interest rates ( 12.875 %, 11.75 %, & 10.375 %, respectively ) and my rate is variable, however I feel that my balance should be decreasing more. I had contacted Navient in the past about difficulty making payments. I was set up on payment plans that last approximately 18 months. But again my INTEREST payments are greater than {$150.00} but my principal payments are usually less than {$65.00}! I was also charged a disbursement fee of {$210.00} on my 1st loan in XXXX. I have several principal payments that are less than {$20.00}, but the principal payments were greater than {$160.00}.