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

In XXXX, my FICO score has randomly dropped XXXX times by XXXX points across all XXXX credit reporting agencies : XXXX, XXXX, Experian, and XXXX. The first was in XXXX and then it went back up XXXX points the following month. As of today, XXXX XXXX, XXXX, my FICO score dropped XXXX points again. In either case, literally NOTHING changed unfavorably to create these changes. 

I have : not opened any new credit lines frozen credit across all agencies since XXXX, so no new credit requests or identity theft, my credit card balances hover at or BELOW XXXX ( yes, a credit to me ) as I pay any due balances daily or bi-daily usually before the charge is even posted by my credit card company, a XXXX balance at month 's end on all credit cards ALWAYS had no late payments in XXXX years a mortgage since XXXX whose balance is paid XXXX months ahead of time and the balance continues to drop monthly the same job with no change in income during both FICO score changes no significant purchases. My largest purchase in the past XXXX  months was less than {$1000.00} and the credit card balance was paid the following day long before it was due. 
total available credit on my revolving credit cards of {$130000.00} and have used less than {$1000.00} ( 0.7 % ) of it for any single purchase in XXXX I tried to report the issue to each agency, but there is not reliable way to report such matters. As I'm considering the purchase of a car, a XXXX point unexpected FICO change is disconcerting. Further, if this is happening to me, a person with a sterling credit rating, then how screwed is a consumer who is on the cusp of good-v.-bad credit if this happens to them. 

I attached XXXX files showing some details of my credit record to bolster my points above. The information is from Experian, but all of them reflect the same changes. 

Any help you can provide to resolve this matter would be most appreciated.
Product: Student loan

My husband and I owe Navient/XXXX a total of {$100000.00} for our Private Loans. We also have Federal Loans so we are paying those as well. Over the last year, I have contacted Navient about lowering my monthly bills and they keep refusing to budge. 

We pay {$1300.00} every single month to JUST Navient ( I pay {$810.00} and he pays {$490.00} ). We just had our XXXX XXXX, own our own house, and are trying to pay off our debt but keep overdrafting our bank account due to these high interest loans and high payments. 

I have called periodically to try and lower our payments but they refuse and we are almost out of our allotted deferment time ( one year on each loan ). I put mine on hold for a few months since I was on unpaid XXXX leave and Navient would not consider that Financial Hardship. 

We are both XXXX and our income is only {$4900.00}. Is there any way you could help or send us some advice? {$1300.00} every month to just private loans is too much with a XXXX XXXX, mortgage, cars, and federal loans. 

Thank you
Product: Debt collection

I am writing to file a formal complaint against Prince Parker and Associates regarding their actions that have violated my rights under federal laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am seeking relief and monetary damages for the following violations : Unauthorized Collection Account and Inaccurate Reporting : Prince Parker and Associates has reported an account on my credit report that is not mine and is inaccurate. This fraudulent reporting has negatively impacted my creditworthiness and financial standing. I did not provide any permission for this account to be reported, nor was I notified that such reporting would occur. Obtaining Personal Information Without Consent : I discovered that Prince Parker and Associates obtained my personal information without my consent and opened an account in my name. This unauthorized access to my personal information is a violation of my privacy rights and raises serious concerns about their practices and compliance with federal laws. Failure to Verify and Validate Debt : Despite my request to Prince Parker and Associates to provide verification and validation of the alleged debt, they have failed to provide any supporting documentation or proof of the debt 's validity. This failure to comply with the FDCPA 's requirement to verify and validate the debt is a violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has my private information that includes account numbers, my social security number & more with out my consent. This is aggravated identity theft. They do not have my written instructions to furnish a consumer report and/or credit report. They are continuously willfully not complying with the law and ignoring my demands to remove XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXrom their system and off of my consumer report which they call a credit report. There were even addresses on the credit report that are not my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Checking or savings account

On XX/XX/XXXX, my checking account at Fifth Third bank was assessed for two charges I did not authorize- one was for {$6.00} and the other was for {$130.00}. They were for XXXX and XXXX in XXXX, respectively. I do not know who this company is, I never ordered anything from them, and I never received anything from them. The phone numbers for them listed on my bank statement do not appear to be valid as no one answers my calls. 

Within a few days, I notified Fifth Third bank by visiting their branch on XXXX XXXX in XXXX XXXX and notified them these were not valid transactions. The bank employee took my information and a few days later I received letters indicating I received provisional credit for both transactions. I subsequently received one letter stating that the {$6.00} would not be charged, but that through information they received from the merchant, they determined the {$130.00} was valid and my account would be debited. 

I then returned to the bank, and asked them to please send me a copy of the transaction and proof that I ordered it and it was delivered. They failed to do so. After several months of letters back and forth, and repeated visits to the same Fifth Third Bank, I finally received a copy of a print out in XX/XX/XXXX showing that the company charged {$130.00} for a Fitness Bench. I did not order a fitness bench, have never done an internet search for a fitness bench and communicated this to the bank. In addition, no one visited me during this time who would have had access to my debit card. 

In XX/XX/XXXX, I also asked XXXX at Fifth Third why I had not yet received a copy of either the shipper 's information or proof of delivery, as I was promised, and he advised that they were not required to obtain this from the merchant. I told him that I am baffled they can charge me for something, and not provide supporting documentation. 

On XX/XX/XXXX, I spoke to XXXX at Fifth Third again, and then his supervisor. He stated that they determined the charged was valid, based on information from the merchant. He affirmed that they did not have to provide me shipping data, and said they would reopen the case if additional information was provided to them. I told him I had no data, as I never ordered this, do not know who the vendor is, and never received a shipment from them for either of the charges. 

I asked if Fifth Third was willing to originally ( in XXXX ) refund the small amount because it was a low amount, and he agreed with my statement. I then asked if contacting the FTC or CFPB was the next step, and he said I could do that. 

I am XXXX XXXX XXXX and do not use a fitness bench. I have limited mobility and vision. I assure you that I have no need for a fitness bench. I have no children who would have ordered this equipment. 

On XX/XX/XXXX I received the most recent communication from Fifth Third again stating that the merchant confirmed the transaction was valid. It is not valid, I can not contact the company and I can not provide a non-existing order or any shipping data to them because they do not exist. I am asking your good help in resolving this matter.
Product: Credit reporting or other personal consumer reports

Credit report from XXXX and Transunion is completely outdated and have incorrect information which in result is hindering my credit score overall. It's significantly showing lower number and credit usage higher compared to the updated one in experian which is XXXX. Requesting for upated or corrections indicidually would take too long and fear it would result to the same issue I had with experian until I submitted a complaint here which then was promptely executed sooner. I got a faster update and issue solved much faster. I wasted too much time to try to reach them and resulting to waiting and nothing getting done in time. 

whenever I tried signing in I am locked out or suspended even when I request sign in help I am met with suspended or blocked temporarly. I get emails from both but unable to log in each time. 

It's hindering me from applying for student financial assistance .I recently had a credit check for applying for financial assistance and the score shown on their end is way different from what I see on my end because transunion and XXXX refuse to properly update correct information.
Product: Credit card or prepaid card

This person was selling shoes on XXXX via direct message. I sent him two payments separately of {$130.00} on XX/XX/XXXX for each pair of shoes and shipping. Both pair never arrived and after communicating with him for four days, I was blocked from the page ; after doing my of research I found out that the page of the fraud and my money was taken. I have proof of the transaction, messages from him, and I have actual audio of me being scammed. 

On XX/XX/XXXX I contacted CashApp because I paid him through them with proof of communication and everything between us, and they're telling me that they can not reverse the payment or do anything about this. I'm wondering why is it OK for me to use them as a bank, for me to store my money with them and a payment processor, but they don't protect me. 

They became very condescending and aggressive with telling me no and then I was out of my money which I completely don't think it's fair.
Product: Debt collection

ATTENTION TO JEFFERSON CAPITAL SYSTEM. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$8300.00} does not belong to me. This account was fraudulently opened through this company JEFFERSON CAPITAL SYSTEM in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit card

forgot to attached my payment history for Capital One XXXX since Capital One stated they can't obtain my payment history I have provide it to them and as of today what my account looks like. 

I requested a credit limit on XX/XX/2023, XX/XX/2023, XX/XX/XXXX, XXXX each time I requested a credit limit, I received the respond back in the same day or next day. I also typed and mailed a letter to Capital One on XX/XX/2023 no respond. The reason is alway the same. I have called and asked what are they evaluating and was told that he was not credit specialist. He also told me that it's other factor that determine the decision, however the reasons stated were the same in each letter. They stated that they are unable to obtain my most recent payment data. Last time I checked Capital One was on my bank statement so forgive me for being a bit confused because the XXXX I pay stated that they are unable to obtain activity. I have attached each letter and my payment history from XXXX to current. The month alone I have paid {$780.00}. Capital One this is discrimination. Dear XXXX XXXX XXXX, XX/XX/2023 Information about your account ending in XXXX Creditor : Capital One N.A. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX You recently requested a credit line increase for your Capital One account. Unfortunately, your account isn't eligible right now. We know this isn't the answer you were hoping for and we want to help you understand why : A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. We were unable to obtain your most recent monthly payment data from the credit reporting agency Dear XXXX XXXX XXXX, XX/XX/2023 Information about your account ending in XXXX Creditor : Capital One N.A. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX You recently requested a credit line increase for your Capital One account. Unfortunately, your account isn't eligible right now. We know this isn't the answer you were hoping for and we want to help you understand why : A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. We were unable to obtain your most recent monthly payment data from the credit reporting agency Dear XXXX XXXX XXXX, XX/XX/2023 Information about your account ending in XXXX Creditor : Capital One N.A. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX You recently requested a credit line increase for your Capital One account. Unfortunately, your account isn't eligible right now. We know this isn't the answer you were hoping for and we want to help you understand why : A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. We were unable to obtain your most recent monthly payment data from the credit reporting agency
Product: Student loan

Over {$150000.00} in student loans and the amount keeps adding up. The interest is killing me and every time I asked for a deferment or some extra time they but my loans on forbearance and charged me interest.
Product: Credit reporting or other personal consumer reports

Dear Equifax I am writing regarding my previous dispute, submitted on XX/XX/XXXX, about inaccurate information on my credit report. Despite my efforts to have the errors corrected, the matter has not been resolved. This account is clearly still not Metro 2 compliant. This account is clearly inaccurate & incomplete, so how did you guys even verify this account. Now you guys are neglecting my character & intelligence. 
I am now submitting this second request for an investigation on the procedures Equifax used to verify this account or remove this account off my credit file : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX FIX ERRORS OR REMOVE FROM REPORT Two-Year Payment History ( BS-18 ) ( 3 ) DIFFERENT REPORTINGS FOR PAYMENT HISTORY. HOW ARE THERE 3 DIFFERENT PAYMENT HISTORYS REPORTING? 
XXXX : HISTORY IS DIFFERENT ACROSS ALL CREDIT REPORTS XXXX : NONE REPORTING FOR XXXX Equifax : HISTORY IS DIFFERENT ACROSS ALL CREDIT REPORTS. 
IF LAST PAYMENT IS XX/XX/XXXX, HOW IS IT A 30 DATE LATE ON XX/XX/XXXX Last Verified : NO DATE REPORTING. HOW IS NO DATE REPORTING FOR LAST VERIFIED, BUT EQUIFAX SAID THEY VERIFIED? 
XXXX : No Date Reporting XXXX : XX/XX/XXXX Equifax : No Date Reporting Date of Last Activity ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES REPORTING? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Reported ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATES REPORTED. HOW ARE THERE 3 DIFFERENT DATES REPORTING? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Opened ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATE OPENED. HOW ARE THERE 2 DIFFERENT DATES REPORTING FOR ACCOUNT OPEN DATE? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Closed Date ( XXXX ) NO CLOSED DATE REPORTING. HOW IS IT THERES NO CLOSED DATE ON A CLOSED ACCOUNT? 
XXXX : No Closed Date Reporting XXXX : XX/XX/XXXX Equifax : No Closed Date Reporting Last Payment ( 2 ) DIFFERENT LAST PAYMENTS. HOW ARE THERE 2 DIFFERENT LAST PAYMENTS REPORTING? 
IF LAST PAYMENT IS XX/XX/XXXX, HOW IS IT A 30 DATE LATE ON XX/XX/XXXX? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. If you believe the information is accurate, I request that you provide me with the following : The whole procedure used in your investigation to verify this account.

Verification documents from the furnisher of the disputed information.

If the disputed information can not be verified or is deemed inaccurate, I request that it be removed from my credit report in compliance with the FCRA.
Product: Credit card or prepaid card

I paid my card in full on XX/XX/2022 and need to use it to purchase groceries. Although the balance is XXXX and the payment shows as processed, the card company has put a hold on the account and will not permit charges until XX/XX/2022. I was not informed this would be the case. And, I have regularly paid off the balance and had immediate use of the card, so I dont know why the hold occurred. When I called today, XX/XX/XXXX, to inquire, I was told there was a random hold, that sometimes happens and that it would be released on the XXXX. I asked numerous questions about why there was a hold and whether it could be lifted so I could purchase groceries. I spoke to 2 different representatives and they could not answer these questions. I asked about speaking to a supervisor and was advise they wouldnt be able to do anything either. I could have not paid the bill and used my money to buy groceries had I known this would happen. In addition, I believe this puts the card company in an advantageous position over me in that they can collect interest on the investment of my payment, while not only can I not use the credit, but Im not earning interest on the money I could have left in my personal account instead of paying a bill that they wont process. I have never made late payments and have a history of regularly paying off my bill. This appears to be an unfair tactic for no reported reason that benefits the company and disadvantages me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple requests, the unverified item with XXXX XXXX, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted XXXX XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX XXXX has told me I never had late payment with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Equifax a request to verify information by sending me the original agreement with signature in regard to the debt collection account XXXX XXXX for {$10.00}. However, I have not received the results, the original agreement, or a confirmation for receiving my request. It has been more than thirty ( 30 ) days since my request and I have not received the results. Today, I called Equifax and they were unable to verify, or locate, the results or when it was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 went to dealership to purchase a vehicle Dealership had me fill out application .They check my credit and told me I needed someone else to add to application. I did not want to add anyone else I stressed this to them and told them I would try somewhere else later.I left.The next morning XX/XX/2020 they called me and said I could come pick up vehicle and I didn't need anyone else on application. I went and signed paper work and got vehicle. I recently checked my credit report and seen I had 3 hard inquires on the same day XX/XX/XXXX XXXX knew of dealership checking my credit didn't know of the other 2 hard inquires put on my credit report that same day.I think dealership should take hard inquires off my credit report also because the next day they called me to come pick up the vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit card

Today, XX/XX/XXXX I used my Citi Double Cash Back credit card at XXXX to make a purchase. An on screen messaged popped up asking me if I want to redeem points for a bill reduction at the rate of XXXX points for {$20.00} off. Thinking those were XXXX points I had accumulated I said yes only after to find out that those were Citi Thank You reward points. I tried undoing the transaction immediately with Citi but the representative told me there is nothing they can do since I was signed up to use rewards with participating merchants. 

I have never signed up for such program. Moreover the program offers a redemption rate far less than the rate of {$0.00} per point one can get for statement credit. I believe this is a predatory program aimed at taking advantage of customers who do not pay close attention when checking out at a store. The bank knows that this redemption rate is very disadvantageous to customers and this is why it enrolls customers into it without their knowledge hoping to take advantage.
Product: Checking or savings account

Checking account was open open at Citizens Bank and I did not authorize the opening of this account. I received a correspondence letter From citizen 's bank Stating that I had a overdrawn amount of {$13.00}. But I never opened an account with Citizens Bank