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

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally submit a complaint regarding inaccurate information in my credit report and other personal consumer reports. 

I have recently reviewed my credit report and other personal consumer reports and found several inaccuracies that I believe are affecting my creditworthiness.
Product: Credit card or prepaid card

Card ending in # XXXX Bank of America 1. I had a {$1500.00} credit limit which with fees and interest charges it went over {$1800.00} {$300.00} over and a higher intrest rate than the usual, .Almost $ 30 % I had just done a credit check and they reported my account as a charge off. I had missed several payments early in 2017. In XX/XX/XXXX I was called from a specialist from bank of America a lady named XXXX we talked a little she had said that she would get back in a week, which took a month instead delaying any payment arrangement, that is when I received a charge off, which I just found out XX/XX/XXXX this will hurt my score. besides they are breaking rules as in unfair billing practices, and in some cases they use peoples checking money for their own use BO AMERICA is being sued for millions of dollars I Told them I 'm a customer I had mention the late response from XXXX as far as payment arrangement that 's not my fault. I said work with me the charge off no response I had to hire a law firm for credit repair. So this time they are not fexible, I dont understand this company. they are afraid to go to court. So why is it my fault with a charge off cause of XXXX.I had mentioned today, its not fair and I want to move from here of 45 yrs in crete  the fees the intrest rates the highest unfair billing and late response what else????
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX, XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize SELF/XXXX XXXX to report on my credit and they did not receive my written consent. It is reported twice on my credit report for XX/XX/XXXX and XX/XX/XXXX. 

15 USc 6802 A Financial Institution may not XXXX disclose nonpublic personal information to a nonaffiliated third party unless 25 They give you the consumer the opportunity to exercise your right to opt -out Clearly States " Any consumer reparting agency may furnish a consumer report under the fallowing circumstances and no other ( 2 ) In accordance with the written instructions of the consumer Thats Aggravated Identity Theft 18 uSc 1028A because they have possession of your information any they are also us it without consent from the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and i still noticed the fraudulent accounts appearing on my credit report.
Product: Credit reporting or other personal consumer reports

Discover Home Loan, Discover Financial Ser, and Discover Ban pulled my credit without my permission on XX/XX/2024 Please remove the inquiries and pulls from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following information with XXXX, Equifax, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, XXXX, & Equifax are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY CHAP XXXX
Product: Student loan

I received a tuition answer student loan of {$4100.00} from Sallie Mae while attending college at a set rate, and Salliemae transfer the loan to navigate. Although I am making payment on the loan, the amount owed keeps going up due to the loan servicer constant increase of percent of the loan rate. My balance since 2007 still shows {$2500.00} ; although I have paid over {$5500.00}.
Product: Student loan

Navient said that my loan does not apply and refuses to send me my XXXX XXXX XXXX XXXX. I was a XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX and have Navient private student loans. I have been paying on this loan for for 16 years, it never goes down and interest just keeps adding and they will not allow forbearance or any type of break or help. This is unfair and while at the XXXX XXXX, I was externally mislead on promise of a job afterwards, which never happened. I obtain a job on my own after struggling to live due to high payments. I still continue to struggle, as my loan payment is close to {$850.00} a month and which is double my housing payment. They also refused the XXXX XXXX XXXX XXXX, which my loan types does in fact fall into this category. Any help that you can lend would be greatly appricated. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$280.00} XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}
Product: Credit reporting or other personal consumer reports

In accordance with 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 Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Re : XXXX ID XXXX us bank has been very difficult to deal with directly after it closed my accounts. Once I leaned that accounts would be closed some representatives, who were friendly before, were now overtly hostile and did not even smile. Their demeanor felt like i was attempting to steal money from bank.More recently, representative stated that i had never had an account with us bank, even after i provided my ssn and several account numbers. Representative insisted that no accounts had ever existed under my name or business names, ssn, or account numbers. 

The bank responded to your office and stated that a cashier check was provided. Thus, I need for bank to provide the following XXXX date cashiers check was generated and where and when it was cashed XXXX letter for credit bureaus explaining that account was not closed of my own accord and that there was no criminal activity with accounts XXXX letter of explanation as to why accounts were closed I consider bank representatives ' actions to be immoral and unethical. They should not be above the law and should have responded to my inquiries in good faith vs brusing them off.
Product: Debt collection

A garnishment was taken from me by Carmen V Porreca PC. The amount taken was {$1200.00} from my bank account. It was taken for a hospital bill from XXXX in the amount of {$29000.00}. The bill was disputed in XXXX by a law firm I hired to clear my debts. I was considered indigent at the time of service and all my medical bills with that hospital were forgiven. Apparently, this debt was sold to Carmen V Porreca PC and they took the money illegally. The medical bill is XXXX XXXX XXXX and Carmen V Porreca filed a garnishment in a county I do not live, nor where the medical services were rendered. Per the county court where the garnishment was filed, they filed in the county where my bank registered agent was.
Product: Credit reporting or other personal consumer reports

ex experian says was verified correctly i know wrong not mine debt. i did not have no reson to lie i payed off there no balance owed to credit card company just say what they whant iam XXXX XXXX that payes not right balance owed limit of XXXX on this so why charging me XXXX home depot card that had balance XXXX on wow. experian says yes it correct another was thou aspire credit card i had limit XXXX and was paid off covid 19 thanks XXXX money. now see credit i got XXXX on my report collection now and was being payed by insurance i lost job from covid 19 cumsumer are get riped off selling my to other with out knowing it is
Product: Debt collection

Recently moved and received new land line phone number approximately one month ago. Allied Interstate ( according to my Internet research, this is a debt collection agency ) calls almost every weekday for several weeks ( from one to four times a day ; my phone keeps a record of each call for the last 2-week period ; see attachments for screenshots ). I assume that they are seeking to speak with the prior owner of my new phone number. I picked up one call and asked for the name of the caller and purpose of the call. The caller identified himself as XXXX XXXX and refused to provide the purpose of the call indicating that it " was against the law '' to provide such information. He insisted on obtaining information from me. I refused. Calls continued to come, unabated. The company is calling from phone number : XXXX.
Product: Money transfer, virtual currency, or money service

Someone scammed me out of {$680.00} in prepaid cards while I was setting up a new bank account. They were American Express cards. I've talked to them about it but I'm still waiting for resolution. I do have the accounts that my money was used for from calling them I just don't know how well they're doing to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Reporting Act. This list of accounts below has violated my federal rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make a 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 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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.
Product: Credit reporting or other personal consumer reports

call equfaix and spoke with XXXX epmoylee number XXXX inform her of the inaccurate information on my credit report such as adress and birthday as well as inquires asked for myy soical and d.o.b adress and cellphone number and email. and gain access to my account she was in customer service but i also ask after we adress these issues i like to speak to someone in fraud for the inquires she also claim to be fraud too. she woulld not remove any of the inaccurate information from my report. told me to send my d.l and social secrutiy card and proof of the not adress and bday and as well for the inquires. she would not remove anything form my report this needs to removed for incorrect information
Product: Checking or savings account

XXXX XXXX eas notified from USAA to return funds in 10 days XXXX XXXX refuses to reply to fax from my bank, which faxed them on XX/XX/2021 to return funds in amount of XXXX in Error during transfer. The account number XXXX is not affiliated to me, and i have not done business with this bank XXXX XXXX. XXXX is not following procedures to refund another bank when requested in Error. my money is in a strangers account. I am not attached to that account so I am told by XXXX XXXX take it up with your bank, USAA has informed me to contact XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was informed that my personal information was compromised in data breach and I am requesting the following accounts to be blocked /removed from my transunion experian/equifax credit reports within 4 business days under 15usc1681 c-2 account ( # 1 ) XXXX XXXX acount # XXXX balance {$26000.00} account ( # 2. ) XXXX  account # XXXX balance {$63.00} account ( # 3. ) XXXX  balance {$170.00} account # XXXX ( # 4. ) XXXX XXXX XXXX XXXX balance {$500.00} account # XXXX ( # 5. ) XXXX  acount # XXXX balance {$1400.00} i am victim Of idenity theft and a data breach and am demanding these accounts to be blocked removed within businesses days from my XXXX experian and XXXX consumer reports under 15usc1681c-2 I am attaching a ftc report XXXX XXXX as proof.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX 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 UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 Equifax 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: Mortgage

XX/XX/year> Our home is lost in the XXXX XXXX in XXXX, California. 
XX/XX/year> We contact ServiceMac Loss Control and Customer Service who tell us that it will take 2 weeks to pay off the loan and 2 weeks to deliver the funds in excess of the mortgage payoff back to us. We are also told to ask if funds can be sent via wire to us. 
XX/XX/year> Based on the XX/XX/year> conversation we enter into home purchase contract based on having funds from XXXX XXXX XXXX with a close date of XX/XX/year>. 
XX/XX/year> Check for {>= $1,000,000} from XXXX XXXX XXXX sent overnight to ServiceMac. We include a prepaid XXXX label to return the funds to us. 
XX/XX/year> Check for {>= $1,000,000} is received by ServiceMac XX/XX/year> Loan payoff of {$450000.00} is made by ServiceMac using funds from the check for {>= $1,000,000} Leaving a balance due to us of {$630000.00}. 
XX/XX/year> In a phone call lasting almost 2 hours we are told by both ServiceMac Customer Service rep and supervisor and Loss Control rep and supervisor that it could take 15-30 days for our check for {$630000.00} to be sent to us. This new timeline was a surprise and put our closing on our new home in jeopardy.
Product: Debt collection

I received a final statement from XXXX XXXX XXXX XXXX, XXXX via USPS mail on Saturday, XXXX XXXX, 2016. The notice was dated XXXX XXXX, 2016 and had been mailed an old address. Monday, XXXX XXXX, 2016 I contacted them via the phone number listed in the letterhead, explained I received the statement, needed to change my address, and would have the first of four installment payments in the mail soon. 

According to the document one option of payment was to make " 4 equal interest-free installments '' and " The 1st payment due within 30 days of receipt of this statement ''. I put the first of four checks in the mail Monday, XXXX XXXX, 2016, also including a photocopy of the lower half of the letter with my signature as instructed in the document. 

No additional correspondence had been received from XXXX XXXX XXXX Associates prior to Tuesday, XXXX XXXX, 2016, so I mailed the second of four installment payments to the same address, with documentation as required. The following day I received a letter in the mail from IC System debt collectors, XXXX XXXX, MN, dated for XXXX XXXX, 2016, stating XXXX XXXX XXXX XXXX had sent my account to collections for delinquency. The amount of debt attempting to be collected was the original amount owed, minus the check XXXX XXXX XXXX XXXX had cashed on XXXX XXXX, 2016. 

I called XXXX XXXX XXXX Associates the next business day, Thursday, XXXX XXXX, 2016 and asked to speak to a supervisor. I spoke with a gentleman named XXXX, who confirmed my paperwork and check had been posted to my account on XXXX XXXX, and cleared XXXX XXXX, 2016. He said I would need to talk to the collections XXXX, XXXX, to further clarify the situation but she was " out of the office ''. I informed XXXX that I had already put the second installment payment in the mail, and left my name, account and contact information and asked my call please be returned ; it was not. XXXX also told me they would contact the debt collector on their behalf and explain the mix up ; they did not. 

Monday, XXXX XXXX, 2016, after no contact had been initiated by XXXX XXXX XXXX XXXX, I again called the office, was told XXXX was " not in the office '' and they had not received my check. I again told them I wanted my call to be acknowledged and returned. I contacted the debt collector who confirmed XXXX XXXX XXXX XXXX had made no attempts to rectify the misunderstanding, and it was suggested I dispute in writing with supporting documentation or my bad debt would by reported to credit bureaus on XXXX XXXX, 2016.
Product: Student loan

Loans were handled through a loan forgiveness program and payments were being made to XXXX XXXX to finance the program. XXXX XXXX stopped using my debit card and switched to a check after over a year of payment. ( Debit card would simply reject  payment if funds were not available and they would re-run in a few days if this occurred. Checks cost {$30.00} at my bank and {$45.00} through them for every time one did not clear. ) this was set up on auto draft and sometimes would miss my pay date by 2 or 3 days. After I discovered this I relized they not only tried once but an average of 3 times before anybody ever contacted me about issues dates started to fluctuate and I was being charged up to XXXX by my bank and XXXX by the company for my {$45.00} payment that did not even apply to my student loans!! 

I finally told them I could not pay them anymore and tried to change my student loan provider only to be told I was not able to until the old one approved the change. I tried with XXXX XXXX several times to no avail. 

Now with in the last couple of month ( 2 ) I started receiving a weird phone call asking for me to verify my date of birth and last 4 of my social along with my address. I asked who was calling and all they would tell me was it was a personal business matter. Would not disclose any more than XXXX XXXX. I have never heard of this company before and did not feel comfortable giving that information with out more information from the company. They refused. Then begin calling my cell phone 3 to 4 times per day and calling my work at least 2 to 3 times per week ( Even after I informed them I Was not allowed to receive personal phone calls at work. 

I was told they would send something in the mail regarding what the call was about and nothing came until Monday ( XX/XX/XXXX ). a notice of garnishment of wages. stating that I would be able to dispute the notice. When I returned to work after lunch where I do Payroll.. There was an order to garnish my own wages from this company. 

When I XXXX in XX/XX/XXXX my loan totals were somewhere around 20,000. 3 years ago when I entered into an agreement to help with my loans they were around 45,000. today the notice on my desk at work says I own more than 67,000 I have tried making payments, I tried loan forgiveness program. Now Starting XX/XX/XXXX I will have to choose between feeding my kids or paying my electric bill because this company wants to take 15 % of my income. I barely make enough to keep food on the table as it is! My XXXX XXXX from a local University where literally everybody gets accepted is not worth XXXX It has not benefited me enough to deal with all of this!
Product: Credit card

I had a natural disaster in XXXX Texas and no lights for over 13 days. After I regained electricity I called citi bank Home Depot credit card service and was advised That I would be enrolled in a XXXX disaster relief program and that it would defer my payments and keep y as count from defaulting. I was also apprised that it would not impact my credit limit. I would also not be receiving collection calls. The following Saturday on XXXX XXXX I received a debt collection call and was told my credit limit was dropped. I now can longer afford windows to put them on my credit card my credit limit went from XXXX to XXXX and now this will impact my credit score and place me at risk for my other card to drop as well. The rep explained. To me the system did not update and it triggered that credit limit decrease.
Product: Debt collection

American Collection Enterprises Inc. has reported on my credit report that I owe {$240.00}. They state that the original creditor is University of XXXX XXXX XXXX. I contacted University of XXXX  directly and they stated that they have no record of any funds being owed to them by me ( ever ). I have requested ( in writing ) American Collection Enterprises Inc to provide validation of this alleged debt. No response ...