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

Hello I noticed yesterday afternoon that XXXX  credit card had placed my account as being over limit I had no idea because I was never notified and when I checked online today nothing showed up on theyre app showing any pending transaction or on statement on the app so I called and told representative I had no idea why it would be over credit limit that I had already made my payments are in time never late and never been over my limit she stated they had taken theyre fee out of the card of XXXX why would I not be informed I said she tried telling me that this is annual fee and that I was notified I repeated no I was not notified at all I asked if over credit limit was being reported to effect my credit score and that it is extremely wrong to not notify someone so this does not occur XXXX  yes already reported I would like this to be taken off my credit report this was not right to do this and then report it
Product: Credit reporting

My wife and I each have requested that the credit freeze on our accounts at Trans Union be lifted. Trans Union sends a confirmation that the freeze is lifted for the period we request, but Trans Union DOES NOT lift the freeze. Lending agencies report the accounts are still frozen. When we go back to Trans Union 's web site within minutes or days of the confirmation of lift by Trans Union, it shows the accounts have no freeze lift requested. We are unable to transact business due to Trans Union not lifting the credit freeze.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

I have been a returning customer for loan at last, one day I decided to take out a new loan from the company, they said they can give me a new loan without any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report negative information on my credit report. I have disputed several times to no avail. They are in violation of the FCRA. These accounts do not belong to me they are fraudulent or inaccurate.
Product: Debt collection

XX/XX/2023 Credit Collection Services ( acct # XXXX ) XXXX XXXX XXXX XXXX MA XXXX Sent multiple letters and made many phone calls
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a ticket with XXXX XXXX using my Capital One credit card for {$160.00}. The flight was XXXX going from XXXX, XXXX to XXXX, XX/XX/XXXX. A few weeks later XXXX XXXX canceled my flight with no reason given. I tried contacting XXXX XXXX via phone and they only speak XXXX. I tried messaging them on XXXX using a translator app so that my message would be in XXXX and I never received a response from XXXX XXXX. A few days later I disputed the transaction with Capital One because I never received the service I paid for nor have I received a refund. I demand a refund. Capital One has ruled the case against me several times saying that the ticket isn't refundable due to the airlines policy. At first the airline said I canceled the ticket when I did not. They lied. Then they changed their story and admitted they canceled the flight but they gave me future travel credit a.k.a " certificate '' which I never received. I've been very clear about all of this with Capital One and they still said I won't receive a refund. I've referred Capital One to the mandate the Department of Transportation ( DOT ) of the US government stating that anyone who has their flight canceled due to the airline canceling it has the right to a refund in all circumstances. Capital One says that DOT is a 3rd party and their law doesn't apply to my transaction. I bought the ticket in the U.S. using a U.S. banks credit card and it's for a flight to the U.S. How does the U.S. gov't law not apply? I'm very unhappy on how Capital One and XXXX XXXX has handled the situation.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 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 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: Mortgage

In XXXX I had been going through major financial hardships ; I had some medical issues and also divorced my abusive spouse, I had to leave my high paying career at the time for something that would allow me to care for my children and myself and therefore my income was reduced to almost nothing. I exhausted my savings trying to keep everything going and reached out to Rocket Mortgage to see if I could possibly obtain a loan modification to lower my payment at the time. Rocket informed me that I could not have a loan modification without first utilizing a forbearance. I was concerned about the forbearance and asked the representative several times about the terms, would I be able to get a modification once the forbearance was complete, and would I be forced to make a lump sum payment at the end- they were adamant that I would not have a lump sum due and that the balance of the forbearance would be spread out via a repayment plan. I agreed and made all 3 payments of {$50.00} during the forbearance period on-time,XX/XX/XXXX Once I was due to resume making my regular monthly payments, in XX/XX/XXXX, Rocket Mortgage refused to accept my payment and demanded that I pay the balance in full ... exactly what I had been worried about to begin with. I was struggling to keep food on the table and pay other bills and used the forbearance period to make ends meet, it was unreasonable to expect that I would have 4 months worth of mortgage payments- {$5000.00} ( forbearance balance of 3 months plus the current month ) available, considering I had accepted the program due to a major financial hardship!!! I would never have utilized the forbearance program had I not been lied to about this. I spoke to multiple representatives at Rocket Mortgage to get a resolution and none of them cared. They refused to accept my payments and sent me foreclosure paperwork, stating that I had been behind for over 120 days! I was appalled. Thankfully tax season was approaching and I was able to use my entire tax return to pay the amount owed, complete with an exorbitant amount of foreclosure fees, at the last second before they were set to take me to court on XX/XX/XXXX. I should NEVER have had this experience and they managed to extort an additional {$1300.00} from me in fees. Their calls are recorded, the representative lied to me, and this practice should be totally illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting a negative account on my credit file from XXXX XXXX/XXXX XXXX that I have never had. I pay all my bills on time and my credit file has been damaged because of this account that is not mines on my credit file.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of InquiryXXXX, XXXX XXXX Date of InquiryXXXX, XXXX Date of InquiryXXXX, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023 & XXXX Date of Inquiry XX/XX/2023
Product: Debt collection

I have checked my credit report & notice they have been some accounts & collections on my report that I had no idea of, I do not recall National Credit Systems, XXXX XXXX, Natnl Credit or even XXXX XXXX XXXX, I have contact these companies multiple time s & even sent dispute letters with all 3 credit bureaus, I put a fraud lock on my report & Filed a FTC & Police report as well stating I'm a victim of identity theft & didn't authorize anything to these companies
Product: Credit reporting or other personal consumer reports

I sent XXXX letters dated on XX/XX/2024 to these XXXX credit bureaus, XXXX, XXXX, and TransUnion to inform them of inaccurate information ( late payment removals/derogatory ) concerning XXXX closed accounts that needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account by XXXX XXXX on my credit report. Despite my previous dispute, your bureau has failed to provide validation or evidence proving the accuracy of this account. 
Accounts : XXXX, XXXX, XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), you are required to reinvestigate disputed information to ensure it is accurate and verified. Additionally : 15 U.S.C. 1681s-2 ( a ) requires furnishers, such as XXXX XXXX, to provide evidence supporting their claim that the debt is valid and that they have the right to collect. 
15 U.S.C. 1681e ( b ) requires your bureau to maintain procedures that ensure the accuracy of the information you report.

In this case, no validation or chain of assignment has been provided, and the debt remains unverified. The lack of proper validation or verification of this account indicates a violation of my rights under the FCRA. 

Requested Action : Remove this unverified account from my credit report immediately. 
Provide written documentation of your reinvestigation and the evidence you used to verify the accuracy of the account. 
If this account can not be verified in compliance with the FCRA, it must be deleted from my credit report. Failure to act promptly may result in further regulatory complaints to the CFPB, FTC, or legal action for violations of my rights under the FCRA. 

Thank you for addressing this matter. I expect a response within the timeframe required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Eastern Account Systems today XX/XX/2022 at XXXX pm to advise them that I paid XXXX XXXX the total amount of {$270.00} as I did not owe anything to Eastern Account Systems as I never had an account with them. I advised them that I want them to remove this off of my credit report. The rep asked for confirmations which I gave her and at the end of the call she stated that they will update the account to paid in full which is incorrect. I did not pay them anything and I have all receipts paid to XXXX directly. I want this account from them removed immediately. I have had no other dealings with Eastern Account Systems.
Product: Vehicle loan or lease

I have a car with USA auto servicing company and out of nowhere they shutdown and another company call Wes lake been calling saying that I havent paid my car note since XXXXXXXX XXXX which I did and west lake trying get money but want give me any information on whats going on
Product: Checking or savings account

processing time for electronic transfer of funds takes 5 days recent transfer on XXXX XXXX not in account as of today XXXX XXXX American Express Bluebird account company contacted and no help
Product: Mortgage

On XX/XX/2021 I called US Bank to ask them where the interest charges on my line of credit are listed since I didnt see any interest deduction on the online activity in the last XXXX months. The last interest charge on my account was {$490.00} on XX/XX/2021. I had paid the balance down significantly so I was curious about how much interest I was paying as the balance was declining. She told me that on XX/XX/2021 when I paid {$5000.00} to the principal, the {$510.00} interest was deducted from my principal payment. The online page clearly has columns for the following : Date, Description, Credits, Charges, Principal, Interest across the top of the page. However, my {$5000.00} payment was listed only in the Credit column and only {$4400.00} was applied to my principal balance. There was no indication that the bank had deducted the {$510.00} from that principal payment. I want full disclosure here. The {$4400.00} should have been in the Principal column and the {$510.00} should have been in the Interest column. And yet, there was no indication that they had charged me the {$510.00} interest. Their excuse was that it was stated on the paper statement that was mailed to me. Question : shouldnt the online activity page MATCH the activity I see on the paper statement? What are they trying to hide from their customers? Why are they not providing detailed activity when they already have the columns set up for the details? And when they labeled my {$5000.00} payment a CREDIT, that was a lie. Only part of that payment was a credit. Did they not want me to see their {$510.00} interest charge?
Product: Student loan

This loan provider continues to report negatively on my credit report. All of my other loans have been able to be deferred when I was in school, apply for a income driven repayment planned and or have a forbearance. This company has made it increasingly hard for me to reach anyone with regard to my account and making it become available. When I first called they told me that it was reassigned to a lawyer in Massachusetts. When I called them they were not able to give me any information about my account. The next time I called, they told me that my account had and reassigned to a lawyer in Tennessee. When I called them they were not able to give me any information about my account. The last and third time I called, I was told that it was reassigned to a lawyer in Tennessee, XXXX When I called them they were not able to give me any information, instead they said my account was reassigned to a company called EduCap. They gave me a phone number and when I called the phone number was not in service! I do n't know what I 'm supposed to do in terms of paying it off if I ca n't reach anyone yet, Loan to Learn continues to report missed payments to the credit bureaus and Educap did not have a working phone number.
Product: Debt collection

To whom it may concern, I have never had an Ally Credit Card nor do I owe this company money. This card does bot belong to me. Please remove the item from my XXXX report. 

Thank you, Balance- {$7000.00}
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Debt collection

I am writing to inquire if you could help me with an aggressive collection company named United Collections Bureau. 

The credit card debt from my XXXX  XXXX XXXX XXXX card ending in ==== was originally sold to a company named XXXX XXXX. 

They have sold my debt to several collection agencies or attorneys. I started paying on this debt which was over {$10000.00} in XXXX. I have always been consistent in my payments. 

I am XXXX and work part time as my condition permits. I have limited set income each month. 

In XXXX, United Collections Bureau took over the debt and demanded I pay XXXX per month for their two year contract because their contract was up in two years and they threatened a new company would make me pay a larger monthly payment. 

Since United has taken over the debt they have bullied me into thinking I had to pay them as high at {$130.00} per month in order to keep my account current and no action to be taken. 

Since COVID 19 they have not offered me any payment deferrals and I begged them to lower my payment to {$50.00} which is still hard for me to pay. 

In XXXX, they agreed that they would lower the payment to {$50.00} dollars per month for the duration of the debt, but when I received my statement, they raised my monthly payment to XXXX beginning in XXXX. This is not what I agreed to. And since I have been out of work due to COVID 19 the XXXX dollars is not doable any longer. 

All I can pay at the most is {$20.00} per month. 

I have been faithfully paying this debt since XXXX, some agencies that I worked with were kind and let me pay {$20.00} per month. But my debt keeps getting tossed around to different agencies and I believe I am being taken advantage of, bullied, lied to and scared into doing whatever they demand. 

Why if I have consistently paid the debt for more than XXXX years, should I be hounded by people who have bought my debt for pennies on the dollar? 

Is there any action you can take in helping me reach a fair monthly payment, or letting me know since this debt is so old if its past the statute of limitations and should be expunged. 

Any guidance you can give is greatly appreciated.
Product: Student loan

I called Genesis Lending to discuss the forgiveness currently available for former XXXX Students. I was informed that my loan did n't qualify because I had an AFT loan. Upon further research, this loan is for teachers. I am not a teacher nor did I sign for this type of loan. I have been deceived in so many ways and time after time I am being held liable for a loan that was misrepresented to me. This issue needs to be resolved especially when I 'm repaying a loan I have no information on.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Reporting of Student Loan Account by U.S. Department of Education/GLELSI Dear Consumer Financial Protection Bureau , I am filing a complaint regarding inaccurate and unlawful reporting of a student loan account by the U.S. Department of Education/GLELSI on my XXXX credit report. Their reporting practices violate the Fair Credit Reporting Act ( FCRA ) as well as IRS regulations for debt cancellation. 

Details of the Issue : The account in question is reported as transferred and closed with no late payments. Despite this, it is inaccurately being reported as a charge-off on my credit report. This violates : XXXX. 15 U.S. Code 1681e : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of reported information. 
XXXX. 15 U.S. Code 1681i : Upon dispute, the creditor has failed to properly reinvestigate and correct the inaccurate information. 

Additionally, when the U.S. Department of Education transferred or charged off the debt, I was not provided with a 1099-C form, which is required by IRS regulations for reporting canceled or discharged debt. The lack of a 1099-C indicates that the debt was not canceled or forgiven, yet it continues to be reported inaccurately as a charge-off on my credit report. Reporting a charged-off balance without providing a 1099-C constitutes both a violation of FCRA accuracy requirements and IRS laws regarding income reporting.

Harm Caused : 1. This inaccurate reporting has caused significant damage to my credit score, limiting my ability to obtain credit and secure favorable financial terms. 
XXXX. The absence of a 1099-C has also prevented me from addressing this issue appropriately with the IRS. 
. 

Supporting Documents : I have attached a copy of my XXXX credit report highlighting the account in question. I am also prepared to provide additional information or documentation to facilitate the resolution of this matter. 

Thank you for your time and attention. I look forward to your assistance in ensuring compliance with federal laws and addressing this issue promptly. 

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

I sent a dispute letter to Experian, on XX/XX/2021 asking for an independent investigation and asking to verify accounts with original contracts and original signature so that they please verify legal ownership of the following accounts : XXXX XXXX XXXX - Account # XXXX .... 
XXXXXXXX XXXX XXXX  - Account # XXXX ... 
XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX  - Account number # XXXX 

Unfortunately they replied today XX/XX/2021 with no Independent investigation results and they did not furnish any signed contracts or any original contract documents, it seems that sadly Experian merely was parroting Information received from other sources.

15 U.S.C. 1681 ( a ) ( 4 )
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and identity theft. I request that the following accounts and inquiries be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were affected by fraudulent activity : ACCOUNTS : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} INQUIRIES : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Debt collection

freedom furniture and electronics froze my bank account and took XXXX dollars i had in it and made me start paying for a debt i had no idea that i had. they took me to court and i was never properly notified and in a state where i did not live which is virginia