23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I went to credit union in XX/XX/XXXX for a loan and was notified I had a serious delinquency of {$2700.00} from XXXX in XXXX, XXXX. Since I have never lived in XXXX, I disputed the account with Experian and contacted XXXX and was informed I needed to send an FTC report ( XXXX ). I went to the local police and prepared the proper forms. I provided a letter from my employer at the time, that I was working in XXXX, XXXX at the time this account was opened. The police confirmed the location I was living at the time in XXXX. I sent the report to XXXX XXXX, and they acknowledged this was not my account in XX/XX/XXXX. I went to get another loan from the same credit union in XX/XX/XXXX and the same delinquency was still on my account. I had to show them the letter from XX/XX/XXXX provided by XXXX XXXX, that this is not my account. I later applied for a mortgage in from XXXX XXXX in XX/XX/XXXX and it showed I had a serious delinquency ( XXXX XXXX ) and Experian is scheduled to remove this in XX/XX/XXXX. I am not understanding why this is still on my account and affecting my loans, credit score and interest rates because of this delinquency.
Product: Debt or credit management

I subscribed to " Tomo Boost '' Credit Repair in-which they would provide a credit line and credit dispute repair program to help fix " inaccuracies ''. Their FAQ on their website states that you should see the credit line within XXXX business days. After XXXX business days I reached out and was told it can take up to XXXX business days and the credit line would only be at {$10000.00} whereas they advertised {$30000.00} without any gimmicks. 

Their credit dispute process is also not kosher. I have received a letter from XXXX that they were not accepting a dispute from them and when attempting to contact Tomoboost I can no longer login even after resetting my password. I have not received a refund from them as of this complaint so I have launched a dispute on the payment provided ( {$300.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Arvest reported me to XXXX   for overdrafts. Those overdrafts were not my fault. It's not my fault I was scammed and receive fraudulent checks. The overdrafts were caused by those bad checks. I have paid them the amount I owe so they need to remove me from XXXX. Remove me from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows a address and name that is completely wrong. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived there at all! I suspect fraud. They also show a name as XXXX? That is not my name. Transunion is correct. Why is my XXXX score at XXXX and my transunion score at XXXX? How can there be that big of a difference? My correct information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ind XXXX I have worked at XXXX, XXXX XXXX, and now I work at XXXX XXXX XXXX XXXX XXXX XXXX. This is not that difficult, why ca n't these credit bureaus communicate and ensure that information is correct. I believe these credit bureaus have a responsibility to ensure that information is correct. Please have XXXX remove this fraudulent information. Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things in my credit report to on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the wrong person.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I contacted Experian regarding an incorrect address listed on my credit report ( XXXX XXXX XXXX ). I have attempted to resolve this issue with Experian directly by phone and contacted the debt collector, XXXX XXXX XXXX on XXXX XXXX in which the invalid address arose from but have been unsuccessful. I was told by an agent that Experian has to report whatever a debt collector sends them. I informed the agent that it is against the law for them to report inaccurate information and if they can not get validation from the debt collector ( signed XXXX lease ) from XXXX XXXX XXXX XXXX ) that the address belongs to me, then the address needs to be removed. the agent informed me that Experian will not do that, they will report what was sent to them.
Product: Checking or savings account

Since XXXX of XXXX I was getting very little Interest on my Money Market Account at Truist Bank ( XXXX # XXXX ). Twp weeks ago I started to withdraw a total of {$40000.00}. to put into 2 different accounts at another bank. My rates there were over 4 %. I went online at Truist to check my current rate and saw that it was still at .01 %. When I called my local branch of the bank ( XXXX, PA - ( XXXX ) XXXX ) yesterday to question this, I was told that the rates would go down automatically, but UNFORTUNATELY they don't go up unless you call. I was also told that they do not go back to give the interest rate that should have been given in the first place.

I am attaching copies of the last 4 statements. As you can see there were times that I had {$45000.00} - {$50000.00} in this account and received {$.00} - {$.00} interest for the month. The last statement shows that the interest rate was increased to 2.96 % after yesterday 's call. 

Is this even legal?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/XXXX -- {$650.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XX/XX/XXXX -- {$1000.00} XXXX # XXXX XX/XX/XXXX -- {$120.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting this myself for you to take necessary action about the errors being reported on my Equifax Report. I am so baffled by this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy... Below, are the items they should DELETE from my file : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, My name is XXXX XXXX, I sent 3 letters to LVNV Funding LLC regarding an unverified item listed below, which remains on my credit report in violation of Federal Law. I asked for a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. They never responded, I did not borrow money from LVNV. I demanded proof of a contract signed by me at the time of the loan signing agreement, they were not able to send me any proof. 
I demand that the unverified account be removed from my credit report on XXXX Account Name : LVNV FUNDING LLC Account Number : XXXX
Product: Vehicle loan or lease

YOUR COMPLAINT I received pre-approved letter for auto financing from Carvana. Carvana is advertising down payment which is against the law Pursuant To Title 15 U.S. Code 1662 No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. Also asking for a down payment ( charge ) and. Monthly. Charges is a Violation Pursuant To Title 15 U.S. Code 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. Property damage and liability insurance include Pursuant To Title 15 U.S. Code 1605 ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. My income pay stub and XXXX is not a factor is this XXXX XXXX XXXX. I also have my 4th amendment right Which states that I have the right to be secured and my security interests is my right to be secured!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian ( Report # XXXX ) on two separate occasions the last one being on XX/XX/2021 regarding erroneous information being reported on my credit report by the creditor XXXX XXXX XXXX. This creditor erroneously was reporting that my account was in collections and past due when in fact both myself and the creditor entered into a settlement agreement filed with the court resolving the matter and paying off the creditor. I notified Experian as well as the creditor XXXX XXXX XXXX ( Account XXXX ) to remove this information and they refuse to do so in spite of the fact that I even provided supporting documentation that the matter wasn't in collections and the account was settled and paid.
Product: Credit reporting or other personal consumer reports

Several inquiries appear On my credit report that i did not make
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complain has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX, XXXX, and Experian credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of addresses on XXXX XXXX XXXX XXXX, GA XXXX, employment at XXXXXXXX XXXX on XXXX, employment at XXXX XXXX on XXXX, loan at XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX XXXX, credit card at XXXX XXXX  opened on XX/XX/XXXX, under account number # XXXX, credit card at XXXX XXXX  opened on XX/XX/XXXX, under the account number # XXXX, loan at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number XXXX XXXX, credit card at XXXX XXXX opened on XX/XX/XXXX, under the account number XXXX XXXX, auto loan at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number # XXXX credit card at XXXX XXXX XXXX  opened on XX/XX/XXXX, under the account number # XXXX, account at XXXX XXXX XXXX opened on XX/XX/XXXX, under the account number # XXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned addresses, employment, accounts, collections or hard inquires as reported. The aforementioned addresses, accounts, employment, inquires and collections on my consumer credit report maintained by you were not opened, or made or initiated by me. All of the aforementioned addresses, employment, accounts and collection are a result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Affidavit Criminal Complaint case number # XXXX, # XXXX, # XXXX, as proof from the US Federal Trade Commission that all that aforementioned consumer credit addresses, accounts and collections are identity theft and fraud.
Product: Mortgage

Selene Finance is not accepting my checks. They received a check dated XXXX  on XX/XX/XXXX in the amount of {$7000.00} for a statement that was dated XX/XX/XXXX with a due date of XX/XX/XXXXXXXX  for a total amount due at the statement date of {$6900.00}. I received a FedEx standard overnight package from Selene Finance on XX/XX/XXXXXXXX  with a letter and the check for {$7000.00} with the statement that the check was returned for Unable to process, loan is in foreclosure. So I immediately called Selene Finance upon receiving the XXXX  package to ask why. I first talked with a customer service representative named XXXX and she could not give me any information about the loan or why the check was returned. When I asked her if I could talk to her supervisor she said no but would take my number and a supervisor would call me back. I left my number and never received a call from anyone from Selene Finance and I did confirm my number with XXXX. I called Selene Finance back that same day of XX/XX/XXXX and spoke with a different customer representative agent named XXXX and again was not given any information. So I sent another check for {$8500.00} that was dated XX/XX/XXXX for the statement closing date of XX/XX/XXXX with a total amount due of {$7800.00} and due date of XX/XX/XXXX and the check has not cleared my account so I dont know what the status is of the check but on XX/XX/XXXX I received a Notice of Sale on XX/XX/XXXX with a scheduled date of sale for XX/XX/XXXX. I am trying to resolve this but I am getting no response from Selene Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as the XXXX credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX. I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report.
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX 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 XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

I called them twice 3 weeks ago to request an account closing, but it is still open now and they just sent me a statement. 
The account balance is XXXX.
Product: Student loan

on XXXX XXXX i received a dept collection letter from credit XXXX XXXX. trying to collect on a student loan in the amount {$36000.00} loan dated XX/XX/XXXX.I never cosign nor did my daughter take out this loan. 
on XX/XX/XXXX i sent XXXX XXXX a letter explaining to them its fraudulent loan i already reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to consumer finance bureau for trying to collect on the same fraudulent loan dated XX/XX/XXXX. 
I also sent XXXX XXXX XXXX a dept validation letter asking for more information on the loan. credit control didn't respond to my requested information. 
XXXX  XXXX did however sent me a copy of the same application promissory note i received from XXXX XXXX   XXXX  which does me no good. 
the creditor, XXXX XXXX & XXXX is trying to collect for is bankrupt. 
XXXX XXXX XXXX whom i also reported consumer financial protection bureau
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - REMOVAL OF CHARGE OFF Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and invasions of individual privacy. 
After reviewing my credit reports I noticed that you are alleging that the above-mentioned account is negative without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks for the following account : XXXX XXXX XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. This is a deprivation of my rights and a violation of my privacy, as well. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide me with concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.
Product: Student loan

On XX/XX/2023 at XXXX central time, I called my loan servicer Nelnet to request a change of my payment date from the XXXX of every month to the XXXX of the month. The agent I spoke to processed the request and said that it can take about 3 weeks for it to be fully processed. I requested a confirmation of this request being made but they declined to send one. 

I called Nelnet on XX/XX/2023 at XXXX Central time, and was finally connected to an agent at about XXXX Central time. I requested an email to confirm that there was a request to change the payment date but they could not provide one. 

I was advised to email XXXX with my request so that they could send the requested information. When I sent an email to that address, I received an automated email saying that they couldn't respond to my email personally, and to call their customer service back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX I # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX  - XXXX XXXX  XXXX XXXX