23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

In XXXX 2017 I began a payment plan with XXXX XXXX XXXX. I notified Avant beforehand that I was going to be working with XXXX and all they said was that XXXX would need to send them a proposal. XXXX did send them a proposal and 6 months worth of payments. In XXXX of 2017 I got a notification that my credit score had dropped. I found out Avant had reported me being {$55.00} past due. I get no statements from this lender and had received no notification my account was ever past due. I downloaded their phone app and logged in and discovered they had been posting fees to my loan and only posting the payments to fees and interest for 6 months. When I called them I was told they stopped communications with me because I had a debit management plan. I reminded them it was not the same thing as bankruptcy and they had every right to be in contact with me and should have notified me of the past due amount and that they were posting fees to my account. I paid the loan off in full over the phone over the following weeks time. They caused my credit score to lower, they charged me excessive fees, and never once tried to notify me of the issue. Not by email, postal mail, phone, nothing. Customers have an expectation that if there is something wrong with their account they will be told about it. I should n't have had to find out via a credit report app on my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion credit scores dropped by XXXX points. Noticed they said I have a serious delinquency. On further digging I found that this was due to XXXX XXXX XXXX where I had a HELOC that I paid off and closed in XX/XX/XXXX. The HELOC was reported closed in XXXX and XX/XX/XXXX, but is now showing for the rest of XXXX that I was 30/60/90/120/150/180 days late. I have complained to XXXX  via XXXX. I have also filed disputes with XXXX and Transunion. It appears that XXXX, a XXXX startup, has not exercised proper care in compliance and has a software or procedural error. It also appears that XXXX and Transunion do not have the sophistication to see that a closed account can not suddenly be reported delinquent. XXXX  does not seem to have this issue. This is ruinous to me because I was about to buy a car out of my lease. I need this car to have the ability to go to work. My lease expires in 4 weeks and if I do not get a car loan I will have to pay a higher price for a different car, vs for the current leased car where I have a negotiated price from XXXX. Due to supply chain shortages the price of all cars have gone up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Experian reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The information listed below appears on my credit report but I did not make or approve of these transactions. This happened because of identity theft. 
XXXX XXXXXXXX XXXX Opened Date AXX/XX/XXXX Highest Balance {$170.00} XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Highest Balance {$290.00} XXXX XXXX XXXXXXXX Opened Date XXXX XXXX, XXXX XXXX XXXX  XXXX Opened Date XXXX XXXX, XXXX Balance {$2500.00} XXXX XXXX Opened Date XXXX XXXX, XXXX Highest Balance {$480.00} XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Highest Balance {$300000.00} XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Highest Balance {$580000.00} XXXX XXXX XXXX Balance {$2700.00} Opened Date XXXX XXXX, XXXX XXXX XXXX XXXX Reference Number XXXX Date Filed XXXX XXXX, XXXX
Product: Debt collection

On XX/XX/2022, I The consumer notified XXXX now part of XXXX of the continue billing error on account # XXXX that was not updated and got a case # for XXXX, XXXX now part of XXXX representative told I the consumer that it was still a balance due on the account of {$610.00} that I the consumer owe, I notified the representative that I sent Tender of payment pursuant to UCC 3-603 and Endorsed the Instrument WITHOUT RECOURSE pursuant to UCC 3-415 ( b ) through the mail on XX/XX/2022 and it was received on XX/XX/2022 by a XXXX XXXX, at the time the payment was {$510.00}, XXXX now part of XXXX never denied or returned my Instrument therefore accepting the Instrument and still claiming I the Consumer owe this alleged debt that haven't been validated nor verified pursuant to 15 USC 1692g- Validation of debt which is a violation of the ( FDCPA ) federal Law, XXXX now part of XXXX is in violation of UCC 3-309 ENFORCEMENT OF LOST, DESTROYED, OR STOLEN INSTRUMENT as well XXXX I the consumer ask for the supervisor and the representative transferred me over to a ( XXXX XXXX, ID XXXX ) operating out of I.C. System Inc. I thought he was a supervisor, turned out to be a DEBT COLLECTOR which is False or Misleading representation pursuant to title 15 USC 1692e ( 10 ) ( 11 ) -The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer, I the consumer never got FULL DISCLOSER of ANY of these terms, XXXX now part of XXXX and I.C. System Inc. are committing IDENTITY THEFT and FRAUD and is in violation of UNFAIR PRACTICES as well pursuant to title 15 USC 1692f. I the Consumer/Beneficiary demand account # XXXX be updated, credited and zeroed out Immediately or I will file for litigation in accordance with the FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1692k under the civil liability section.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I banked with chime for at least two years. I was supposed to receive my tax payment to my account. I'm not able to sign in the app. Upon calling chime, I was told to verify some account details that I have not ever opened. I lost {$6000.00} and my account due to my account being hacked and a bank account linked. I'm very unhappy with the bank and have considered a lawsuit for the inconvenience of not being able to pay my bills.
Product: Credit reporting or other personal consumer reports

Experian 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 Experian, alleging systematic issues such as failure 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 Experian 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 improve or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Based on credit reports from all the agencies, I have a credit account from XXXX, which keeps appearing on my credit reports and has negative impact on my credit. But I have never opened a credit account with XXXX and had no idea about that account. I tried to dispute with TransUnion, but nothing really changed ( except now that the status of the account is open ), I am not sure what else I need to do to correct this information.
Product: Credit card

I filled out an application on Marcus.com on XX/XX/2023. I filled in all of my personal information including social etc. They told me I was approved and I uploaded front and back of my Driver License per their request. It is showing on my XXXX credit report that GOLDMAN SACHS BANK USA did a soft check. I called ( XXXX ) on XX/XX/2023 about 5 days after and spoke with XXXX Supervisor  named XXXX, who was rude, he explained to me that the only information in their system is my name. They can not find my application. I am extremely concerned because they asked me to fill out another application after they already ( lost?, stolen?, deleted? ) my information. I will like to know what happen to my information and make sure there is any fraudulent activity going on with the company.
Product: Debt collection

this account is fraudulent and needs to be removed after providing a copy of a police report and id theft affidavit that has been notarized there are XXXX accounts that are still showing
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around  XXXX    XXXX  , a purchase was made on my  XXXX   XXXX   XXXX  account for approximately {$110.00}. The item was charged to my credit card, but the charge didnt go through according to  XXXX , and the item was subsequently charged to my  XXXX  credit account.   The item was delivered after a delay of several weeks later. The i tem   ( Inspiron 3050 - a microcomputer ) was received at my home address ( redacted ). It did  not include an invoice ( an invoice was obtained later after several requests to  XXXX   ). I  was not sent a statement by mail or email. I was never contacted by phone. I never received a bill for this item from  XXXX  or  XXXX   XXXX   XXXX . I was never contacted that the account was in arrears in any way. No request for payment was ever made at that time ( or since ).   At the end of   XXXX  , when applying for a mortgage, I was shocked to see that I had a negative credit report from  XXXX   XXXX   XXXX  for this item. This was the only negative report in my credit history. The negative credit report has resulted in significant increase in the mortgage loan rate that I was offered, which translates to future additional cost in the thousands of dollars.   Subsequent inquiries indicate that : - the account was sent to collections, without ever contacting me - although I was never contacted by  XXXX  with a statement or payment request, the account was reported as in default to the credit reporting agencies - checking the account online, shows that shipping address and billing address are correct ; although no correspondence was sent to this address regarding the apparent default, I continue to receive promotional correspondence from  XXXX  at this address.   - additional late charges and interest have been added to the account nearly tripling the amount due in unde r one year ( >   {$300.00} by the end of   XXXX   )!   - the  XXXX  representative I spoke with on the phone indicated that this handling of the account was not in keeping with  XXXX  policy and that the account should never have been sent to collections.     I feel that the handling of this case by  XXXX  is not a usual or expected business practice for the reasons indicated above. I believe that the proximate cause of damages is directly the result of the mishandling of this case by  XXXX   XXXX   XXXX .     A cheque has been sent to  XXXX ,  XXXX  to cover the cost of the initial purchase.
Product: Credit card or prepaid card

American Express Airline card I called AmEx on XXXX XXXX, 2023 to request a {$16.00} late fee be removed. I have been a long time customer of theirs and in the past 12+ months have always paid on time. My account is due on the XXXX of each month. I accidentally set up my on-line bill pay to send out the payment on the XXXX rather than it be paid on the XXXX. Granted a silly error on my part and I thought AmEx would be reasonable with me to reverse the fee given my good payment record. Realize with the 1 day late payment, the account was paid on the XXXX, AmEx increased my interest rate at well. Since I typically pay this account off monthly I did not complain to their customer service representative ( CSR ) about the rate hike. The CSR advised me that the fee was automatically applied and could not be reversed. This I told her was a silly response, to say automation applied it and a human could not reverse is just XXXX. I asked to speak with a supervisor and she expressed one would call me back and repeated my phone number to me. Well its been over a week and no one from AmEx has called me back to reverse my late fee. The CRS did offer to give me 3000 airline miles to appease me but I still wanted to speak with a supervisor. I understand automation but I need for a human to review my payment record and decide whether or not they value me as a customer and to be reasonable. I am disappointed in this large corporation and their CRS area.
Product: Debt collection

I am not actually the primary party. I am the Third Party. I was contacted and asked for a family member 's information after I clearly stated that the person did not reside at MY number. I asked what the call was about and he said it was a personal business matter. Then do n't call me. He also refused to tell me what company he was with, but XXXX knows. Enhanced Recovery Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and its also reporting as opened on XX/XX/XXXX first inaccuracy this account is paid and closed at a XXXX XXXX credit report says its deposit related while the other two says installment. the amount is {$250.00} again with a XXXX balance and closed i called the company but they refuse to remove the account or report as positive
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below, as well as any related inquiries, be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a recent data breach, and I have discovered that fraudulent activity may have taken place involving these accounts. 
Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have not received a reply regarding my PSLF buyback requests. Requesting these buyback requests be processed so that I can reach XXXX payments and request PSLF forgiveness.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report. Despite my previous correspondence and the subsequent investigation, there remains data on my credit report that has not been adequately verified as per the Fair Credit Reporting Act ( FCRA ).
Product: Student loan

I was originally steered to a private student loan instead of applying for a federal student loan. There was no reason that I should of been forced to apply for this personal loan when I was 100 % eligible for a federal loan. This was very shady of both the school and navient. Per the multi state lawsuit, this was found to be illegal as the schools were motives by the financial kickbacks of then XXXX XXXX. I have now been stuck paying on this since 2007. 16 years and the loan has not decreased in balance. I am being penalized because I was current on the loans, where others have had thier loans discharge under the multistate lawsuit. Now that the interest rates are increasing, so too is the rate on the loan. Due to predatory leaning practices, I will be paying a large sum of money forever. Navient has more than made up for the loan over the last 16 years that i have made payments. Since this was for a loan for a school that has closed, no one will refinance it. I am stuck in this loan and due to predatory lending practices, paying on this loan forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violated HIPPA la w on a debt that is not mine. They keep selling my information to different collection agencies after credit agencies delete them. They hindering my score to buy a house for my family and I. I do n't have a contract with them. There is no way they are validating a debt from a company that is not real.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.
Product: Debt collection

This account was paid off last year and I was told it would be removed from all three credit report upon payment, but it still shows up on all my reports. The account was updated to show paid.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> -- XX/XX/year> {$6600.00} unauthorized charges to XXXX was made using XXXX XXXX on my phone. At the time of the transaction, my phone was hacked, and I was not in control of my XXXX ID or XXXX XXXX account. This fraudulent charge was made without my authorization. 

I promptly reported the issue to Chase, providing a police report number, evidence of the hack ( e.g., email notifications from XXXX about unauthorized access ), and confirmation that the XXXX account associated with the charge was hacked and I was not in control or using the app. 

Despite providing all necessary documentation, Chase denied my claim, stating " the transaction appeared authorized ''. I believe this decision is unfair and not in line with protections for unauthorized transactions. 

I request that the CFPB assist in resolving this matter by urging CHASE to reconsider my dispute and reverse the charge.
Product: Credit reporting or other personal consumer reports

These inquiries dont belong to me, and I have no ties to these creditors.
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX XXXX XXXX account number XXXX XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information.

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX XXXX XXXX 

Upon information and belief, XXXX XXXX XXXX received notification of my credit bureau dispute. XXXX XXXX XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX XXXX XXXX Account. 

Upon information and belief, XXXX XXXX XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX XXXX XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX XXXX XXXX rather than grant credence to the information provided by myself.

The credit bureaus published the false information regarding the XXXX XXXX XXXX Accounts to third parties.