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

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX AUTO : Account number - XXXX _____________________________________________ INQUIRIES:15 USC 1681i 15 USC 1681b - XXXX XXXX XXXX XXXX  AUTHORIZED USER XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1692g 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a Bankruptcy on my credit report I know this Info is personal information and this credit reporting is miss leading and false, fraudulent information. Also I am protected bye The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) this info should not be on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Images I included are from XXXX  reporting and messages in past years I received from them. I also have other documents from local courthouse. XXXX refuses to give me any statements Images reflect loan was taken out in XXXX  and other image shows it the following year opened up.. only one home reported on my credit wihich its not deeded to me and Ive never XXXX a payment whatsoever
Product: Student loan

I had a {$21000.00} loan for college in XX/XX/1996. I had paid on and off since then and the loan defaulted. I got it out of default and have made IBR payments on time for the past year and 1/2, only to have Navient say the total now due is {$93000.00}. That is not right after all these years. I feel scammed and taken advantage of. I do not believe that a {$21000.00} loan has exploded into {$93000.00}!!!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$230000.00} XXXX XXXX XXXX : {$10000.00}
Product: Credit reporting, credit repair services, 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 Accounts # XXXX, # XXXX, # XXXX and # 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 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: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). LINCOLN TECH violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
Product: Credit card

I repeatedly requested my account be closed. As of this date my account remains open. 
I made a payment for XX/XX/2023 for fear I would be charged late fees and penalties Please close my account immediately. 
Please submit on time never late payments to the credit bureaus.
Product: Credit card

I am submitting a complaint about American Express due to ongoing billing errors, incorrect adjusted balance/minimum payment due, pay over time charges, interest calculations, and fees on my statements starting from XX/XX/2022 closing date statement through present.

Im desperate to get this remedied, as I have spent probably 70 hours trying to get this fixed. This has affected my credit score and created incredible stress personally. 

AMEX has continually messed up my account by not indicating the correct amounts to pay, adding incorrect charges, and misallocating charges that have resulted in massive stress and me unable to determine my payments and budgets around this card. 

Every time I get one thing fixed, another thing goes wrong with it. I would like to request enforcement measures because the errors are always in AMEXs favor.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included a screenshot inside this complaint on dates of XX/XX/year>, XX/XX/year>, and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If evidence can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see the screenshot attached :
Product: Mortgage

Freedom Mortgage is unable to process or refuses to process ACH Payments from XXXX. I can not get in touch with them over the phone ( their number is always busy ). They do not respond to secure messaging on their site. I have sent them 10 messages over the last month, many stating that I could not get through to their phone number. Their response ( after 10 days! ) was for me to " Call them ''. I get half a dozen mailed letters a week stating that my payment was canceled because I " stopped the payment '' or that I am in default. I did not, and my bank has no record of such an action. I can't even get a hold of them to try and figure out why they cant process the payment on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion ( reported as XXXX/XXXX # XXXX* ) : XX/XX/XXXX payment 30 days late. Payment was made on XX/XX/XXXX. I was actually 6 days early, per their own statement, which I have attached. The months right before and after this date are also paid on time, so I have also attached XX/XX/XXXX and XX/XX/XXXX statements. I have not been 30 days late ever. You'd think with all these fees and creative interest hikes, they could afford to get their records straight. Perhaps I should charge them a fee.
Product: Credit card

In XXXX of XXXX, a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  filing for Social Security XXXX benefits. Took 8 months to begin receiving benefits and back pay ; or until about XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a recurring XXXX XXXX had put my {$3000.00} credit limit with " Capital One Mastercard Platinum '' over limit to XXXX XXXX 
Called their service desk XX/XX/XXXX and updated them on my situation and they gave me 1 month deferral on payments. Notified them again by phone on XX/XX/XXXX that I could not make their required minimum payment and would send what I could, when I could. From XXXX XXXX XXXX XXXX on they continued to charge me late fees and interest every month. In XXXX I paid {$200.00}, XXXX XXXX XXXX I could not pay anything ; as I was struggling to pay my electric and gas bill ; working out a program of shutoff protection. In XXXX, I was able to send them {$300.00}. In XXXX I had to stop all payments to them, and called them on XX/XX/XXXX ; updating them and offering to pay them {$1800.00} as a settlement and then close the account if they wished. 
I informed them that I appreciated their service in prior years ; not micromanaging my account but keeping me informed of security threats. And that over the previous 24 months ; I had paid over {$20000.00} to them on this {$3000.00} credit line! So they've made a lot of money off me! I wasn't a loss or a write off by any means! They rejected my offer. 
On XX/XX/XXXX, I wrote them a letter with a written offer to settle the account for {$2000.00}, and to reduce my credit line to {$1000.00} or {$750.00}, whatever they preferred. On XX/XX/XXXX they replied to me by postal mail saying that they could not settle the matter by mail or letter in writing! ( REALLY?? THIS IS HOW ALL LEGAL AGREEMENTS ARE MADE : IN WRITING! ) They asked me to call a phone number to do so. So I did. I spoke with an agent named XXXX XXXX XXXX XXXX who told me that my account DOES NOT QUALIFY FOR SETTLEMENT AT THIS TIME!! 
After that I decided to put pressure on them, and not make ANY payments until they were willing to come to the table! So, I haven't made any payments. Meanwhile, THEY CONTINUE TO CHARGE THEIR MONTHLY INTEREST AND LATE FEES as if nothing has happened in my life meriting any considerations on their part. In XXXX, they charged me {$1400.00} in fees and interest on less than {$3000.00} in charges. 
I still get e-mails asking, " are you ready to catch up on your balance? '' As if I WERE DELIBERATELY DELINQUENT! When your monthly income gets cut by {$4000.00} ; it becomes very difficult to live. NOTE : Both my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with me after trying to work with them. XXXX XXXX XXXX  credit card has remained active and no problems. 
I feel that Capital One bank is abusing their customer who has fallen into a XXXX XXXX and has tried to work things out to get this debt out of my life ; to no avail.
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. 

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 inructions 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: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credirt report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, they are incorrect and does not reflect my true credit history. Account XXXX XXXX XXXX XXXX XXXX XXXX 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

I have tried to several times to get said item removed from my report. The account is Fraud and each time i talk to the bank all they can tell me is it in the fraud dept. someone will call me but no one every calls. so how is it that equifax was able to verify it but I never get through. Someone at XXXX us my information to get a loan and they know it. I am asking that they please remove said item. Must I remind them of the case XXXX v. Equifax Information Services , LLC, Case. No. XXXX. I am prepared to take this to court I have all my notes and each person I have talk to there. My next move will be to file in court. All I ask is to remove said item XXXX account # XXXX this is my last attempt to handle this issue.
Product: Mortgage

My husband and I filed chapter XXXX in XXXX that included 3 mortgage payments. At that time, XXXX XXXX XXXX held our mortgage. All payments after filing were paid to them. They sold our mortgage to XXXX XXXX XXXX XX/XX/XXXX, which payments were then paid to them each month. XXXX XXXX XXXX sold our mortgage to XXXX XXXX XX/XX/XXXX. As we neared the discharge of our bankruptcy because everything was paid back, XXXX XXXX contacted our attorney and told them we were behind on our mortgage - 9 payments. I sent payment information of each payment to our attorney to prove they were paid. XXXX XXXX still argued there were payments missing. They sent us modification paperwork to fill out and we did to keep them from doing anything like trying to forclose on our house. Continually making payments that at one time were in excess of {$1100.00} per month when our payments were only supposed to be {$760.00} per month. We received a letter XX/XX/XXXX stating they had sold our mortgage to Fay Servicing who is still saying we are behind 4 payments. My husband and I have both contacted them being told we need to speak with our account manager XXXX XXXX - yet neither of us have been able to speak with him because he is always on another line. I have emailed him 63 pages of proof of payments and still we can not get through to talk to him. My husband asked to speak with his supervisor - named XXXX - and was told he was not available either. We are in the process of selling our house and do not want the {$3000.00} dollars we DONT owe them to be taken during the closing. We have also requested a payoff which we have yet to receive. 
We have left several messages for XXXX and XXXX and have not received any calls back. 

Please help!!!
Product: Credit reporting or other personal consumer reports

Experian has continually denied that they have received my documents of ID Theft. I have sent them a copy of my Federal ID Theft Complaint, Copy of Police Report, my Drivers License, Birth Certificate, and Social Security Card on XXXX separate occasions from XXXX to XXXX today. My ID was stolen and used by an individual that pled guilty ( XXXX XXXX ) and is currently in prison for same. Experian will not remove a fraudulent charge from a company I have NEVER heard of XXXX XXXX XXXX. The documents produced from said company do NOT have my signature on them, my name is spelled incorrectly, date of birth is incorrect, social security number is incorrect, address is incorrect, employment is incorrect. THIS HAS CAUSED HABITUAL DAMAGE of increased loan fees, increased interest rates for automobile purchases, credit cards, loans, and the lack of home purchase. XXXX XXXX XXXX, Experian, XXXX, and XXXX should be responsible for the CONTINUED DAMAGES as a direct result of their wrongful and continued acts against me. Both Compensatory and Liquidated Damages accrue each and every day against them due to the habitual lack of everyday business practices.
Product: Credit reporting, credit repair services, 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 XXXX, Account # XXXX. Account name : XXXX XXXX, Account # XXXX. Account name : XXXX - XXXX 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 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: Debt collection

I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act copied here below for your reference. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block. I am demanding deletion of reference account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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.
Product: Mortgage

On XX/XX/2020, XXXX advertised to me a 2.375 % rate for a XXXX loan to refinance with zero points through the XXXX platform based on a credit score of over 760, zip code of XXXX, home value of {$630000.00} and existing mortgage of {$340000.00}. I followed up on this advertised rate the same day and provided the same personal and property information directly to Better.com to lock the rate. Better.com then provided a rate of 2.375 % only if I purchased {$7400.00} of points. After discussing with their loan officer, Better.com did not honor the rate they advertised and failed to provide any logical explanation for the discrepancy. The rate could not have been based on any different personal information because the information I provided on both platforms was identical, including the credit score ( their soft pull confirmed that my score was much higher than 760 ). The loan officer stated that he was not aware of Better.com providing a 2.375 % rate at zero points for any applicants, strongly suggesting that the rate they advertised on XXXX was false and is not a rate they were offering at all as of the date above. Better.com is using XXXX to lure applicants to their site and provide their private personal information including social security number, only to change the rates they offer to the applicant after spending significant time applying, despite the applicant 's information being the exact same as what they used to advertise a lower rate. This is false and deceptive advertising and should be enforced against.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies., my financial institution and Zelle to investigate my claims adequately. They informed me that the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- XXXX, 2013 not belonging to me.
Product: Student loan

at first I got sick and was unable to work, so I ask forgiven of the loan, and I did sign up for the forgiveness program and was accepted, gave this person all my information, even made payments to get the loan forgiven, now I still have the loan, they took my money and I have n't heard from them I paid {$280.00} for three months that was the agreement, and I would get my loan forgiven, they owe me {$860.00} I need them to correct this information and/or refund me my money. I have the records to show you the name of the company, and funds taken out of my bank account. I want to know if this was a fraud/hacker on my computer. please help because all my information is on this computer such as my SSI number, bank information, birthday date etc. please help. thank you
Product: Debt collection

I had a XXXX XXXX XXXX XXXX Card through Citibank and I paid off the balance of {$22000.00} in full in XXXX XXXX. I filed a complaint with CFPB about the interest I was being charged in XXXX XXXX and the complaint was closed with no corrective action. In XXXX XXXX, I received a refund check from Citibank for this account of {$14000.00}. Prior to receiving the check I received a phone call from Citibank and the representative asked for my address to send a " refund of interest charges. '' When I received the check there was no explanation for this refund other than the message on the stub which reads, " Below is a refund check for the credit balance on your account. '' This account has been closed for more than five years.