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

XX/XX/XXXX called XXXX XXXX XXXX XXXX. Spoke with XXXX, a supervisor. He escalated the complaint and said I would receive a call back by XX/XX/XXXX. Case # XXXX assigned. 

XX/XX/XXXX received a call back from XXXX, a supervisor. We spoke for approximately XXXX hours. 
XXXX. I asked XXXX to read out loud the copies and content of the copies of information I has mailed to XXXX XXXX  providing proof the account was not included in the bankruptcy filing. The proof included a copy of my actual paperwork submitted for the bankruptcy petition. He was able to confirm this information to be true and correct. XXXX XXXX  had reported to all XXXX credit bureaus that my account was included in the bankruptcy. 
XXXX. I asked XXXX to confirm my payment history on my account prior to the XX/XX/XXXX closure by XXXX XXXX  as a result of the bankruptcy being reported to the credit bureaus. He confirmed the account was in perfect standing and had a {$0.00} balance at the time of closure. As a result, I asked to have the derogatory remark of a XXXX XXXX that XXXX XXXX  reported in XX/XX/XXXX to all XXXX credit bureaus, removed. He confirmed this was erroneously reported. 
XXXX. XXXX XXXX  also reported that late payments of 30 days and 60 days occurred on the account. This is completely false and is still being reflected on all credit bureaus today. 
When the erroneous XXXX XXXX was reported in XX/XX/XXXX, my credit scores declined by XXXX points and despite my never being late on any payments to any credit cards, my scores have not fully recovered. 
I have submitted multiple disputes with all XXXX credit bureaus since XX/XX/XXXX and directly communicated with XXXX XXXX  and still do not have fully corrected credit reports from all XXXX bureaus. This incorrect information continue to prevent me from getting approvals and opening new credit cards under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my XXXX XXXX in XXXX XXXX in XXXX, XXXX. I am now a XXXX XXXX XXXX. I applied for an Economic Hardship Deferment in XXXX of XXXX online and was waiting to hear back in case XXXX needed more documentation. However, I never heard back, and I called to double check that everything was good and the deferment was approved, and they told me it was being processed. The representative also had told me they would contact me if they needed anything further, In late XXXX of XXXX, I was trying to figure out a faster way to pay off my student loans owed to XXXX so I would be able to pay down my balance. So, I applied for a Home Equity Loan ( and got pre-approved, my credit score was XXXX ) to pay XXXX around half of what I owe. I checked my credit score a week later in XX/XX/XXXX, and it had gone down over 200 points. From XXXX to XXXX overnight. It showed that XXXX had put in 10 accounts that said I was 90 days late. I was mortified, and was told my a XXXX Representative that my deferment was approved back in XXXX of XXXX. 

At that moment, I cried and thought my credit would be ruined forever and I still am in absolute shock and turmoil over what this has caused me and my family. I have worked so hard to pay what I owe and had very good credit for years prior to this horrible situation. This error is not my doing and this error is on XXXX part. I filled out the appropriate paperwork in XX/XX/XXXX, and a representative that I spoke with on XX/XX/XXXX said no one had ever processed my Economic Hardship Deferment way back in XXXX of XXXX. 

I was told to send this letter to explain my situation and how I was wrongfully put in the credit bureau, so this can be corrected. I work with special needs kids every day, I pay all of my debt every month, and I have worked for years trying to build up my credit because I knew I would have student loans to pay off. I have nothing negative in the credit bureau before XXXX made this life-altering error. I have sent two letters ( one letter in XX/XX/XXXX and one letter in XX/XX/XXXX XXXX to XXXX explaining their error, and they have yet to respond. 

I have graduated with both, a XXXX and a XXXX XXXX. I want nothing more than to pay my loans back, but I can not begin to become financially available if my credit is ruined for XXXX error. My FICO score, Equifax, XXXX  and XXXX credit bureau have all been effected significantly to the point where I have lost over 20,000 dollars in credit thus far. Please help me correct these errors against me as soon as possible so my credit is no longer wrongfully negative. 

Thank you for your time with this matter. I would never be irresponsible, and I assure you that I was not in error, XXXX was at fault 100 % and my graduation and credit is proof of my responsibility. If you have any questions or need further documentation, please let me know. Thank you again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XX/XX/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 an account without my written instructions. 


15 U.S, C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Checking or savings account

I have a supreme checking account with nycb which I have had for a long time. The account receives a high interest rate, which has been the case since inception. Recently I noticed that I was only receiving .5 % interest when it is usually 1.5 %. When I called and spoke to a rep they told me that it was due to covid. I was never notified of the switch. This is an unfair practice. Ni keep a lot of money in this checking account and if I was notified when the switch occurred, I would have moved the money. This is an unfair practice ( UDAAP ) as my account opening disclosures state a higher rate of interest. I plan on filing a lawsuit if the Bank does not switch my interest rate back, and back paying me for the interest owed ( from when they lower my rate to when its fixed ). I spoke to others that have this account and they are facing the same issue as I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XX/XX/2016. I've worked hard paying everything on time since then. XXXX   and XXXX are reporting my credit accurately with scores over 715. Experian had me at XXXX. I've disputed this with experian and they only removed 1 thing from my report. My score is still too low to get any credit or even get on a lease for am apartment. I know they use different metrics but a 200 point difference isn't right. Experian needs to address this fairly. All my negative marks should be removed. That's what bankruptcy does
Product: Vehicle loan or lease

We have an account with Navy Federal Credit Union. While navigating around online, we decided to check out applying for a loan to buy a new car. Our lease was up in XX/XX/XXXX so we needed to get something else. We did the online application and received an approval of a loan for {$25000.00} at 3.6 %. So we started to shop around. We made a phone call to confirm the loan approval. We were never told that the percentage rate would fluctuate so drastically. 
On XX/XX/XXXX we found a used XXXX XXXX. We made a conscious decision to buy within our budget well under the {$25000.00} so our monthly payment would be affordable to us ( around {$400.00} a month ). Shortly thereafter we received paperwork from Navy Fed increasing our percentage rate up 130 %!!! We realized that it may be raised a bit, but from 3.6 % to 8.1 %?? When we called and confirmed the loan approval we were never informed that this ( 3.6 % ) applied to new cars only. We feel blindsided and upon calling Navy Fed they were no help to us. We would have never bought a used car for this price. We are now paying a extra {$3000.00} in interest charges. Making the car a ripoff!! It already has XXXX miles on it. We probably would have leased a new car or did something very different with the financing if we knew this information before signing for this car loan. Our question is why wouldn't Navy Fed tell us to call them before signing on the dotted line??? If it was a 5 % difference we would not have bought that car. 

We would love to just give the car back because the good deal we work so hard at creating just isn't that great. Any help you can provide will give us peace of mind that we tried to work things out with Navy Fed ... a wonderful banking institution, but this is creating a bad business relationship due to this car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I was victim of Identity Theft, somebody stole my personal information to open credit cards.
Product: Debt collection

I need you to fix my credit report because of some fake accounts from identity theft. The XXXX and XXXX credit bureaus agreed to remove them, but you're still reporting them, breaking the rules. Please sort this out ASAP, like the creditors agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for a reinvestigation into an incorrect account, XXXX # XXXX. It is my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I asked for the names and phone numbers of the managers that verified the items. You denied my right and instead stated you previously sent papers verifying such information. The paperwork you sent was never received prior to that date from the creditor. This does not verify the information on the account. On the paper transunion provided it states I owe somewhere over XXXX USD. However, its being reporting around XXXX USD. This account is incorrect as I have been complaining and as the credit reporting agency you are Deliberately violating my rights. On or around XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX you also failed to respond within the 30 days time. In fact, lied and stated you never received correspondence. Its is my right to have this item removed because it is not properly verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX XXXX XXXX XXXX XXXX of my Venmo acct, with routing XXXX ; an account number : XXXX. My account was frozen for XXXX reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.
Product: Checking or savings account

Was scammed by a person impersonating a tattoo artist and was told to make a deposit as Ive done with all my tattoo artist but when the time came for the tattoo they blocked me on everything. I contacted Chime about a charge back for fraudulence but they said it was an investigation that had to take place but after reading and doing research. It had come to my attention that Chime is notorious for not doing anything about claims with fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer report. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 second time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$6400.00} ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX XX/XX/2021.
Product: Credit card

American Express Company is Acting suspicious after I Did complain to their employee XXXX on XX/XX/2023 of having my account charge {$25.00} dollar transaction fee due to canceled payment transfer or not approved by my bank. 

Explained to XXXX XXXX that why if I pay Monday or Any other day of the week AMEX charge so many days later the money in my back account making me problems of balance adjustments or even having issues to complete the payments due to been few dollars shorts for the reason they never take their money when I pay them. 

After few minutes conversation XXXX did not have a valid answer after I spoke to him that I have to cancel multiple payments because Amex don't charge on time and this is making my card been over limit because I never have control on my payment dates and I been charged fees of payment fail every time {$25.00} because they can't get their payment on time. 

Why to pay {$25.00} when other providers like XXXX XXXX allow you to pay {$3.00} to get your credit card payment fast on same day without waiting many days like American Express does to make their profit business charging XXXX dollars to each customer also, they scan my account and they also know when my business account have money why they always charge when the account is negative? 

After I complained to them, today XX/XX/2023 I been called and email requesting my private bank statement and blocking my account and even saying or discriminating against me saying they will close the account without no valid reason and sending me and email after many hours later of getting all my information saying the reason because I ask them. 

I would love this case to be investigated, I do not have any personal problems with this company but why they so scary after I asked about the {$25.00} fee been charged when they can take the money like XXXX XXXX does same day when actual customer have money in their bank account and avoid charging millions of dollars on fee on people that maybe is {$3.00} or {$10.00} dollars short and can't go to the bank because they don't have control of when a financial institution so powerful that even is XXXX scanning bank accounts and knows if have money or not with their called XXXX XXXX XXXX is charging money when they know balance is {$0.00}? I Think these tools are for improvement not to empty consumers account balance by charging {$25.00} dollars and having then pay late and their credit been affected.
Product: Mortgage

I've tried numerous times to log into the Loancare 's smartphone app and website. The app continue to give me an error message ( Problem occurred. Please contact customer care ) and the website fails to allow me to log in. This is a frequent problem when attempting to log into their databases. Today is the first of the month so my mortgage is due and I am attempting to pay it. I did not choose this company, my mortgage was sold to them.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I have the following entries on my bill that aren't mine : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3.00} XX/XX/scrub>XXXX XXXX XXXX XXXX {$160.00} XX/XX/scrub>XXXX XXXX XXXX XXXX {$150.00} XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX CA {$3.00} XX/XX/year> XXXX XXXX XXXX XXXX {$3.00} XX/XX/scrub>XXXX XXXX XXXX XXXX  {$180.00} Elan XXXX XXXX i received services/merchandise after I contested these charges. I did have them reopen the case. 

They said the charges came from an android phone using either XXXX  or XXXX, neither of which I use. I also couldn't have charged these in those states as I'm a XXXX patient and can't leave the state because I'm getting XXXX XXXX.
Product: Mortgage

I reach out to my mortgage company Selene after speaking to my XXXX insurance company XXXX XXXX to find out what my premium payment is. Upon my review Selene appears to have over analyzed my escrow. I have ask them to revise their review and they have not complied. I have been tryin to reach someone directly to speak with in the escrow department and no response. I have been trying to provide my declaration page of my insurance but do not have a department or point of contact. Selene has been horrible in assisting with this review. But have been calling to collect on this extremely excessive mortgage payment. My mortgage payment is too high causing a difficult hardship.
Product: Student loan

XXXX XXXX/Navient has called my work on more than one occasion, even after explicit written requests to not do so. The most recent infraction was XXXX/XXXX/15 at XXXX XXXX. The first explicit written request to never call my work was sent on XXXX/XXXX/15. The second explicit written request was sent on XXXX/XXXX/15. Two non-explicit requests to stop phone communication ( and communicate only in writing ) were sent between those dates on XXXX/XXXX/15 and XXXX/XXXX/15. XXXX of the XXXX letters were sent via certified US mail, so they are confirmed to have been received, as a signature was required. 

The school I attended was the University XXXX in XXXX, MA.
Product: Debt collection

There is an electricity bill in Ohio that has my name on it, and is in collections. I have not lived in Ohio since I was XXXX XXXX XXXX and I have never owned property or leased property in Ohio as an adult. I contacted the organization a year ago and they have continued to report negatively to the credit bureaus that I am delinquent on {$1000.00}.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I see 1. XXXX XXXX XXXX XXXX account number XXXX 2. Unknown Account name ( not shown in report ) with no contact information listed on report Account number XXXX XXXX XXXX 3. Unknown account name ( not shown in report ) with no contact information listed on report Account number XXXX XXXX XXXX These accounts are reporting fraudulent and inaccurate information on my credit report. 
I have requested that they provide the purchase agreement to show full ownership of such account, and also other documents so that I may review to see if this is actually an account that belongs to me. 

Also I have several unauthorized inquiries in my report that I never gave permission to run my credit. 

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists.