23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/18, I received a notice that a collection was put onto my XXXX Credit report by XXXX XXXX XXXX for 2 accounts ( {$5400.00} and {$2300.00} ). The amount and accounts appear to be from a student loan that is currently being paid on time and is in good standing with XXXX, XXXX. I did not receive notification that my account was in collections or was owed to anyone other than XXXX, XXXX. I called XXXX, XXXX and they verified that the account was in good standing and did not know why XXXX XXXX XXXX was reporting it to the credit bureau. I have *NEVER* received any communication whatsoever from XXXX XXXX XXXX XXXX and now my credit score has gone down because of them. I submitted a dispute with XXXX and am waiting on the results. Attached is my latest statement, showing that it is paid on time and my monthly {$75.00} payment amount.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to Trafficking-Debt 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 Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not satisfied with the result I got from my Experian report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiry to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiry removed or have anyone from Experian contact me about the status of my concern. Here are the incorrect information and inquiry that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/2022 XXXX XX/XX/2022
Product: Student loan

Navient/Sallie Mae added additional fraudulent charges on to my account in XXXX. After I graduated from XXXX XXXX University, my total principal balance was only {$48000.00} ( Federal Perkins loan : {$1900.00} ( which should have been paid in full ), Direct Stafford Subsidized Loans : {$18000.00}, and Direct Stafford Unsubsidized Loans : {$28000.00} ) before I consolidated my loans. Navient or Sallie Mae added two dollar amounts of {$40000.00} and {$19000.00}. This increase my total principal balance to be {$140000.00}. My principal balance should have been {$84000.00}, instead of {$140000.00}. In addition, XXXX XXXX charged me {$190.00} to consolidate my loans, which is also illegal. The struggle to pay on this fraudulent balance has caused me emotional and physical stress. XXXX XXXX should have caught this error. I am requesting that you all forgive the whole total balance due to Navient and Sallie Mae 's fraudulent activity and XXXX XXXX ' failure to catch this error and correct the error. In addition, I was not in school during XXXX. I graduated from XXXX  XXXX University in XXXX and did not attend XXXX XXXX University until XXXX. Please see the attached file for documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of credit card fraud and personal loans. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX ny XXXX stole my identification in XXXX to borrow money etc from HSBC. Mr. XXXX stole my previous email address XXXX. my social security number etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. TRANSUNION has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with TRANSUNION. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . They have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX* U S DEPT OF EDXXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX XXXX XXXX { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX [ XXXX ] XXXX of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2021 I received a welcoming/confirmation letter from Huntington Bank stating an Checking/Savings account was opened in my name on XX/XX/2021. Along with the letter was a debit card. I never opened an account ( s ) with Huntington Bank, nor did I consent or give authorization to anyone to do so.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX, I received an offer of 0 % promotional APR on all new purchases until XX/XX/XXXX. I  took the advantages to advance {$20000.00} on XX/XX/XXXX and another {$20000.00} on XX/XX/XXXX after paying a balance transfer fee of {$2000.00}. 

Minimum payment was debited from my checking account on due date every month. In addition, I pay for all the new purchases before each due date. Not only that I never owe on the new purchases, my balance has always been way below {$40000.00}. However, CitiCard keeps charging me high interest rate on my purchases, I called three times to ask for an explanation. They told me that whenever I used my card for purchases, interests would be applied because the system was not set up to tell whether the payments were for the new purchases or towards the {$40000.00} cash advance. I was advised to pay off the {$40000.00} or not to use the credit card at all. 

Since I have prepaid {$2000.00} balance transfer fees, it is not fair for me to pay off the {$40000.00}. I have quit using this credit card in the last two months, yet there are still pre-set automatic payments from this credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is still incorrect, all 3 of the date last active is inaccurate, and date last reported is not accurate. This ground for removal of the account from my credit report & a lawsuit against the credit bureau.

they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation. I submitted the original complaint XX/XX/2023 for the company to correct to inaccurate reporting and they failed to do so.
Product: Credit card or prepaid card

I opened up a credit card with XXXX XXXX XXXX under my XXXX 's XXXX   Membership because they offered an attractive interest rate with 5 % back on in store purchases, 2 % cash back on outside store purchases and XXXX cents off per gallon of gas purchases through XXXX 's gas station. I was under the impression that the interest rate was fixed based on how the XXXX 's store was marketing the product. In XX/XX/XXXX there was a change to my XXXX XXXX   status to XXXX XXXX XXXX XXXX  which just found out when talking to a XXXX XXXX XXXX supervisor on XX/XX/XXXX. In XX/XX/XXXX I was in the middle of many personal issues and supposedly the company said they mailed out the changes to my account at that time. I never received or would have agreed to these changes. 
If I remember correctly the interest rate I agreed to pay was around 6 %. Part of my balance is being charged at 7.99 %. The XXXX XXXX XXXX portion is being charged at 26.49 %. This is predatory lending at its worst and is the most egregious I've ever seen. 
When I asked XXXX the XXXX Supervisor why I was downgraded to the XXXX XXXX XXXX XXXX she had no explanation because my account is still in " GOOD STANDING ''. I asked if this is a way that they can in fact raise the interest rate once the status is changed and she said it is. She looked at my status and according to what she can see I do not qualify for any special promotions moving forward on this account. 
I asked if there was a supervisor that can correct these predatory issues. She said ; today? I said today or any day. She said there will be no corrective action that can be done at this time.I again asked for a supervisor but she did not offer any further assistance to accommodate my request. I told her the reason I wanted a her supervisor was because it is obvious that there is a plan in place as far as increasing the interest rates of unsuspecting victims of their abuses and I was wondering if there was someone that could right the wrongs in my case. 
I also reached out to XXXX XXXX XXXX XXXX and told them about this bait and switch program. I told their supervisor that this credit card is not sustainable and will affect their future sales by victims of these predatory actions by the bank that they are promoting. I asked the supervisor to please discuss this at the next supervisor meeting to make them aware. The supervisor told me they are just told to sell this plan and they have no control of what happens after that point. 
I put in a complaint on XX/XX/XXXX once I figured out that my account was changed. The reason why I never noticed is that I usually pay my bills through my XXXX account. For some reason I happened to look at the interest rate which tipped me off to this major issue. I went back over my account after speaking to a Rep. from XXXX XXXX over the phone. This Rep. was not able to take the complaint but referred me to the email complaint section. 
I was told I am still in " GOOD STANDING '' to this day!
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax have violated my rights as a federally protected consumer and allowed several XXXX 's to pull XXXX Inquiries of my credit report without permissible purpose. XXXX, XXXX, Equifax, are in violation of 15 US Code 1681b providing multiple XXXX  's a copy of my credit report without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open and active credit card that the credit card company and the credit reporting agency, Experian continue to incorrectly report was closed. The card is not closed and just to prove that the card is active, I have made purchases with the card and provided that information to Experian as proof. However, it remains incorrectly reported and damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard inquiry impacting my credit report by A company identifying itself as XXXX/XXXX on XXXX XXXX, 2017. I did not authorize this credit check or any other mortgage company, broker, or loan lender to pull my information for purposes of a credit check. I believe my Ex. may have stolen personal info. and now it is being used for malicious purposes. I kindly ask to have my info removed from your system and the hard inquiry deleted from the credit report. Thank You!
Product: Credit reporting or other personal consumer reports

Bankruptcy is unverified by the US Bankruptcy Court and court trustee of the Northern District of Oklahoma Bankruptcy court, as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the US Bankruptcy Courts omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX someone used my PayPal account to send 2 transactions minutes apart for XXXX and XXXX to a XXXX XXXX. I stopped all means of payments thru my bank and credit cards as they considered it fraud, this person lives in XXXX XXXX. I contacted PayPal immediately and they said they would investigate and never did, they are now insisting I owe the money. Looking at my account today this XXXX XXXX has not received the money.
Product: Credit card

i applied for Chase United Club Infinite visa which promised 2 free bags when ticket is purchased using the credit card. but the terms of the offer also stated that the purchase requirement will be waved for 90 days so free bags would be offered to flight purchase with other cards before i apply for the card i used XXXX miles to pay for 1 checked bag round trip. 
when i checked in for the flight i was able to check in 2 free bags as the credit card had promised later when i tried to get my XXXX miles back, since i did not have to pay for the bags, they told me i have to buy the ticket with the credit card i called twice and filed requests online twice but they kept refusing even though i sent them pictures of the stated 90 day waiver.
Product: Debt collection

AFNI has just placed a debt which I have disputed through the CFPB multiple times in the past and it was been removed by each previous collection company because the account is fraud. I am now going to also file a complaint with the Maryland  Attorney General 's Office of Consumer Protection as this is now, I think, the fourth or fifth time I have disputed this debt as fraud but then it gets sold to different collection agency and isn't being flagged as fraud. 

They don't even bother to send anything in the mail anymore because they know FDCPA and State of MD law provides me 30-days to dispute it, so they just buy it and attach it to my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is repeatedly in violation of my FCRA Rights. For years I've submitted proof that XXXX reporting of my credit data was incorrect. After I advise I would make a formal complaint XXXX falsified a letter they stated they sent me to a wrong address to prove compliance with Texas repossession laws. It was falsified and produced 4 years after I started complaining. XXXX sent documents that my balance was approximately {$8000.00} then it went to {$21000.00} after I started writing letters, then it was went to XXXX then {$13000.00}. Then {$16000.00} approximately. How is it a vehicle that was paid on for over 1 year with a down payment, that was sold at auction, received full federal tax write off still reports still owes over 70 %. XXXX is a predatory lender and should be investigated as such
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and am disputing a late payment entry that has been reported by LEXUS by error. Pursuant to the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Credit Billing Act ( 15 U.S.C. 1666 ), and the Fair Credit and Charge Card Disclosure Act ( 15 U.S.C. 1666b ), I request a thorough investigation into this matter to ensure the accuracy and fairness of my credit report. 

I sent on XX/XX/year> a certified mail to XXXX  and the credit bureaus ( see attached ) to dispute the error in the reporting of this late payment as it is negatively affecting my creditworthiness. I have attached relevant supporting documentation, including [ copies of check from XXXX XXXX evidence of first check mailed ] to substantiate my claim and my good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX I have been disputing an account with Equifax for fraud and submitting documents to support I keep getting the same answer back. Back in XXXX I was a victim of identity I was also a victim of the breach with Equifax. I file a dispute in XXXX for XXXX XXXX XXXX the account was open under fraud I sent a copy of the police to the company and Equifax which both told me they would investigate and have it remove from my credit file month after month Equifax ask for more documents and continue to find the account valid I call today to dispute it again and they refuse to file a dispute took me thru all theses questions to pull my file just made it very hard when that the type of customer they to use to proven fraud
Product: Mortgage

On XX/XX/XXXX, I contacted Amerihome Mortgage LLC to obtain paperwork regarding an upcoming court proceeding. I advised them that I was being taken to court over an escrow refund that was not in my name, but in the name of my former fiancee. Even though we were on the loan together, I was advised that I could not have the check sent to him or any other address. The other party was required to call the company to give them his address information. However, he refused to do this and in fact, is suing me for the check that I do not have. I have called the company as well as the corporate office and submitted multiple requests and I have not received this documentation.
Product: Mortgage

In XXXX 2013, in signed over my property to Lender Nationstar Mortgage. I was told that I must vacate property which I did. I continued to get utility bills and contacted lender. They had no response to my concerns of these bills. after a year they informed me that the DIL was still in process. I asked about the bills but they had no answer for a. After I contacted consumer affairs, the lender sent me a letter informing me to destroy the bills coming in. Another year past and they informed me they needed verification that federal liens were lifted. I sent several copies showing liens were lifted. My case went through several agents and each time I felt like I was starting over. XX/XX/XXXX I rceived documents that the property was being foreclosed but all along I was being told the DIL was still being processed. In addition, the utility bills were still coming and now I have a XXXX within the County were house is located.
Product: Credit reporting or other personal consumer reports

I contacted Experian, XXXX and XXXX to informed them that my right to privacy, fairness and impartiality has been violated by their company according to 15 USC 1681 ( a ) ( 4 ). I did not give any consumer reporting agency to furnish a consumer report on my behalf. That is FRAUD.
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 Experian 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Update this account quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX  Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to report an issue with my credit report regarding my XXXX XXXX account ( Account Number : XXXX ). Despite making a payment to settle the balance, which was confirmed by a correspondence from XXXX XXXX, my credit report still reflects an incorrect balance and late payment remarks. 

Details : Incorrect Balance : My credit report shows a balance of {$3400.00} ( XXXX and Equifax ) and {$3300.00} ( XXXX ). However, the payment I made has cleared this balance, and the correct balance should be {$0.00}. 
Incorrect Payment Status : My credit report indicates a status of Late XXXX  Days ( XXXX and Equifax ) and Late XXXX Days ( XXXX ). This is inaccurate because the payment was supposed to be covered by my insurance company, and the correct status should be " Paid. '' Steps Taken : I have received a payment confirmation from XXXX XXXX, verifying that the account has been settled and should reflect a XXXX balance.