23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Comenity Bank/ LNBryant. I paid my XX/XX/XXXX statement in full before the XX/XX/XXXX due date. Comenity Bank access me a {$2.00} interest fee on a {$0.00} balance for XXXX. Unbeknown to me Comenity Bank generated a bill for {$2.00} that was due on XX/XX/XXXX. Mean while I'm thinking that I closed my account in good standing, they are reporting me 30 days late to XXXX causing my score to decrease from XXXX to XXXX. I contacted Comenity bank who informed of the {$2.00} which I paid. They credited my the {$30.00} late fee but once I requested to speak with a supervisor to closed the account. The supervisor tried to explain to me the closure process which I stated was unnecessary They then proceeded to closed the account while reporting the XXXX that the account was delinquent with me owing them {$14.00}. I file a dispute through XXXX concerning the matter. They just reported back to me on XX/XX/XXXX with a result of account being in good standing but yet still showing 30 day delinquency for XXXX of XXXX.
Product: Debt collection

As permitted by the FDCPA, I sent a letter to Debt collection company ERC ( XXXX XXXX XXXX ) asking them to validate a debt they have continually harassed me about. They sent me a letter months ago stating they that they will no longer pursue this debt. This response was due to the fact that I asked for validation before and they could not provide it.. This supposed debt they say I owe they have failed to validate as required by the FDCPA. This letter was sent certified mail return receipt and ERC received this letter on XX/XX/2018, signed for by XXXX XXXX. I attached below a document showing evidence of this signature. My letter asking them to validate this debt has gone without response and they have unlawfully placed this on my credit report. Once this letter is received, the collection agency must stop attempting to collect the debt and remove it from my credit reports until they supply validation. This company however has gone out of their way to defame me by putting negative information on my credit report unlawfully. This is grounds for a lawsuit. It is quite clear they do not have what is required to validate this account and must stop contacting me and remove the fraudulent entry from all three credit bureaus right away I attached a copy of the return receipt I got proving they received my letter and willfully did not respond but broke the law instead.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 and on XX/XX/XXXX, I requested an increase on my XXXX credit card, an increased credit amount on my XXXX XXXX  XXXX Credit card, a car loan from XXXX XXXX, and a credit card with XXXX. TransUnion is reporting hat " Proportion of balances to credit on bank/national revolving or other revolving accounts is too high, Amount owed on revolving account is too high, and length of time accounts have been established '' are false/inaccurate statements showing on my credit report. And according to Title 15 subsection 1611, False and misleading denial of credit, this is illegal. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial. 
Because of the misinformation and disinformation, TransUnion has caused several denials to credit and loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from transunion and XXXX  I was unable to pull XXXX. It included the following inaccurate information multiple name spellings, addresses that are incorrect or unknown to me maybe a possible relatives. I also had a bankruptcy that is not reporting correct information or all information that should be in the report is not included in there like old credit accounts that were paid and agreed. the information below needs removed, I have multiple name spellings as well. I will upload a copy of the report for proof below. 
MULTIPLE ACCOUNTS THAT SHOW LATE PAYMENTS AS WELL I WILL HIGHLIGHT THEM I need clarification as to why you are reporting certain information on my credit report : XXXX XXXX -late payments XXXX XXXX XXXX XXXX-late payments XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX  XXXX XXXX OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX BANKRUPTCY SHOULD HAVE BEEN CLOSED XX/XX/2016 IT WAS DISCHARGED YET ITS REPORTING INACCURATE INFORMATION ON THE DATES TO BE REMOVED. 
MULITPLE NAME SPELLINGS MY CORRECT SPELLING OF MY NAME WILL BE INCLUDED IN THE REPORT ITS 13 DIFFERENT WAYS LISTED ON THE REPORT AND MULTIPLE PHONE NUMBERS
Product: Credit reporting

I do n't have a Sears card anymore, I did n't Renew it. XXXX was in a bankruptcy OVER 29 years ago. I have ONLY 1 credit card. A XXXX card. Not late on payments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, Equifax - I have an old C.C. account ( XXXX ) - ( it now has new last four digits ) with XXXX XXXX. I've had this account for more than 12 years ( I'm not giving the exact time ) and I was 30 days late on a payment more than 9 years ago and they are still reporting me as having a late payment history. I have contacted all three credit reporting agencies and XXXX XXXX credit card services and they all give me the same reason for not having the item removed - " We are required by law to accurately report your payment history. If you can show proof that this information is incorrect simply submit your dispute in writing and we will investigate and then get back with you regarding our findings ''. Seriously! I'm not disputing the fact that I was late on a payment - but am I to be punished for the rest of my " credit '' life for being 30 days late ONE TIME - YEARS AGO? That's TERRIBLE! A XXXX  can get paroled and even a commuted sentence but a 1 time late payment stays with you for LIFE. Surely there is SOMETHING that can be DONE? Please help
Product: Student loan

I have {$86000.00} in federal student loans for XXXX XXXX XXXX and XXXX XXXX XXXX. I hold a job where I am able to pay my loans on the standard repayment plan within the standard 10 year time frame. I have not been able to successfully achieve a simple repayment plan with my servicer Nelnet yet. 

I have 18 separate loans with Nelnet of varying amounts. I initially had repayment dates throughout the month, which meant there was going to be a constant flow of seemingly random amounts of money being pulled out of my bank account. This has made budgeting a nightmare. It took multiple phone calls waiting on hold for upwards of 2 hours to get into contact with Nelnet to get my payment dates changed to the same day. I was told this would take place within a week. 

Weeks later, nothing had changed. I noted that my current payment for my XXXX XXXX loan was {$10.00}. I called again and was told it will take weeks for everything to switch over and that soon my regularly scheduled nearly {$1000.00} payment would be pulled. Meanwhile, I am accruing hundreds of dollars in interest. 

I began making manual payments of {$1000.00} to remain on schedule with my loans. 

I have most recently checked and my payment is now {$300.00}, and my loans are in forbearance. I have accrued almost {$1000.00} in unintended interest. My loans are going up not down, despite me trying to pay them. 

All I would like to do is pay my loans in a regular fashion 1x/month. Nelnet has been unable to manage this simple plan and set up. I am now accruing interest, unable to make my payments towards the interest, and my loan is nearing $ XXXX when I have been trying to pay XXXX XXXX for it to go DOWN. I am becoming a victim of astronomical and unfair interest accrual despite holding a well-paying, high paying job and trying to pay my loans back per usual.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian placed a fraud alert without my authorization
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX  Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) he 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent in a dispute letter and they legally did not respond. I called and talked to a representative and they said that it was confirmed that these account were up for deletion but have not removed them.
Product: Debt collection

i asked for validation and verification of the debt never received any documents, i paid those without any documentation that i am actually legally obligated to pay the debt for two debts. i was afraid of the impact or actions they might take
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report I notice there was several accounts that was not open by me.someone has been using my identity for many many years am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

15 USC 1681- governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personnel information assembled by Credit Reporting. My social security number and information have been hacked and information is being reported incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA Equifax, XXXX, and XXXX  are legally obligated to provide identical information. There are a number of falsely reported accounts showing negatively on my credit report and none of the reporting are identical to each other along with having a large number of inaccuracies. These companies are abusing my rights as a consumer and i demand these negative accounts be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has 3 accounts of my credit report. One that is active is fine and needs to stay. I need the 2 that are closed off my credit report. The old account is XXXX XXXX XXXX and settled, it needs deleted. I am trying to purchase a home and this is hindering my ability to do this. There is another old kohls account that I am an authorized user of that is 20+ years old just on my equifax credit report, it is not mine, I do not know whos this is but it needs deleted.
Product: Debt collection

I recently had my credit pulled. I had a very small debt for a cosigned apartment for my daughter on a lease in XXXX. I tried to dispute it but since I paid it immediately, they told me that was an admission of accuracy. So, no big deal. It was like {$89.00}. They have continued to report it 90 days over due as recently as XX/XX/XXXX. On XX/XX/XXXX, I called them and they said I couldn't speak with anyone I could only email XXXX XXXX. I did so. XXXX XXXX has not addressed nor acknowledged my email. And I see it's still inaccurately reporting. It does show {$0.00} balance but continued late reporting.
Product: Credit reporting or other personal consumer reports

Subject : Update on my {$30000.00} line of credit on my credit reports ( Experian, XXXX and XXXX ) I am contacting you through this letter because attempts to contact the Lender : XXXX XXXX have been unsuccessful. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone : XXXX The purpose of this communication refers to the following matters : Unreported or inaccurate information on my consumer credit reports : If you review my XXXX XXXX XXXX account number XXXX, you will notice that I have a {$30000.00} line of credit, which is not being included on my Consumer Credit Report. 

a ) When reviewing my XXXX report, I noticed that the {$30000.00} credit limit is not reported or reflected anywhere. nor the payment history of the last 24 months. 

b ) When checking the Experian credit report, I noticed that the {$30000.00} credit limit is not reported or reflected anywhere. nor the payment history of the last 24 months. 

c ) When checking my XXXX credit report, I noticed that the {$30000.00} credit limit does not appear
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to inform you again I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; CHILD SUPPORT ENFORCEM XXXX Balance : {$1100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX
Product: Debt collection

Company contacted 2 relatives leaving personal information re : me and implied I was going to be sued. The collection company is Alliant Capitial Management located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Tel # XXXX. 

I have asked for a breakdown on what has been paid and they have not respned to my emails. They are rude on the phone and always say I am rude. I want to settle for the loan. Orginal amount was XXXX and I have paid way over the orginal amount. The tatics of collections were not in compliance of fair practices leaving personal information with others and threat of lawsuits.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found multiple accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also realized that my information had been exposed in the XXXX data breach and ill provide proof of that as well. Please remove these accounts and inquiries from my credit report and as soon as possible. Thank you US DEPT OF ED XXXX - XXXX - XX/XX/XXXX - {$1300.00} ; XXXXDEPT OF ED XXXX - XX/XX/XXXX - {$1300.00} ; XXXX XXXX  XXXX - XXXX XXXX XX/XX/XXXX XXXX {$430.00} ; XXXX XXXX XXXXXXXX - XXXX XXXX XXXX {$300.00} ; XXXX XXXX - XXXX - XX/XX/XXXX - {$600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$500.00} ; Inquires ( XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill from Best Buy for an unauthorized charge to renew the XXXX XXXX. I immediately contacted them. They assured me that I would be refunded the full amount of the charge. I then closed the account on XX/XX/21. I then get a notice from XXXX that I have a delinquint account. Best Buy for {$10.00}. I contact them and they informed me it was an interest charge on that item that I never purchased. They said they emailed me the bill which I never received. My credit score was XXXX. I worked very hard to get it there. XXXX dropped my score 75 points for this????? # 1 Don't you think I would have paid a {$10.00} bill? # 2 How can they drop my score 75 points over this? I filed a dispute with XXXX over this on XX/XX/21. I don't have any results of the dispute and my credit score is XXXX!!! This is so unfair!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to negotiate a settlement with XXXX XXXX for some time now, and each time I call I am told that they will not ever correct my credit report if I settled with them in full. 
I currently owe them {$830.00} which I am trying to pay under the condition that they report my account is satisfied in full and they remove the charge off as every other bank has while I have been repairing my credit. XXXX simply refuses to assist and offers no incentive to satisfy the debt owed. I am trying to fix my credit but have hit a wall of non compliance from XXXX who has never provided me with any written information or solution to settle my debt with them. I am in desperate need of help. 
I have been trying to resolve this since 2016 when my home was burgled and the purchase product was stolen and never recovered by law enforcement
Product: Money transfer, virtual currency, or money service

This complaint is against XXXX XXXX XXXX the Make Believe Wells Fargo Executive Office whose number is XXXX XXXX XXXX. Because in reality theyre only Customer Service Representatives to whom works from a small cubicle and puts on false appearances. However XXXX XXXX continues to call and harass me despite her already knowing that theres a legal third party involved in which these play actors refuses to contact and what theyre stating is the contrary to what their legal representatives have presented. Now today during a conversation with a Wells Fargo Employee after I did my part in paying the first months mortgage of {$1000.00}. All of a sudden Im told on this evening that theres a Sheriff Sale Date on my residence. So in reality I was lied to and Im requesting that these Con Artist Executives stop calling me after already knowing that they had already sent out the letter. This is nothing but basic stupidity and racism because they thinks that XXXX are stupid, can not think for themselves. And theyve been sued by the City Of XXXX for their fraudulent activities towards minorities. And make note of the 3 attachments in which absolutely nothing has been done to this day to remove XXXX XXXX from this Mortage Title. To whom first committed fraud with the Mortage Note and forging the XXXX XXXX XXXXXXXX XXXX  Refinance Check in my name in which this fraudulent bank actually put XXXX as my last name on the check. Isnt That Fraud? Then during a recent conversation a white employee degraded me by indirectly stating that I may not complete the Loan Modification. Then why did they approve me for it? Smh
Product: Credit reporting or other personal consumer reports

dept of education XXXX  in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 dept of education XXXX  I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly