23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXXhree negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020 XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$8100.00}, I requested that I would like some type of verification bearing my signature. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following fraudulent and unauthorized credit card dont belong to me because this account was lost/stolen and all of the charges/transactions are fraudulent and unauthorized, and dont belong to me : XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Capital one credit card closed my accounts I have made multiple attempts to file a dispute and pay my balance off they have refused to accept payment and have illegally been reporting my balance and increasing it daily my credit has dropped XXXX points and Im now contacting the attorney general as I have recordings and proof of their illegal actions
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Hyundai Motor finance is over charging interest on their accounts. The customer is forced to call in to the company to have a principal payment adjusted since they do not have that feature on their site.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting an unpaid charge off status with the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a balance due of {$3800.00}. This account was paid off several years ago. The account information was confirmed by the customer service department. This incorrect reporting is harming my credit score. Please remove this line item.
Product: Credit reporting or other personal consumer reports

My consumer rights has been violated, looked over and not been taken into consideration. By XXXX, XXXX and Equifax. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ). XX/XX/XXXX I sent a certified letter to each bureau requesting them to verify, update and respond to me by mail with updates within 30 days with information that i requested. Each have failed to do so up to todays date which is XX/XX/XXXX. XX/XX/XXXX i sent out certified letters to each bureau reminding them of the laws they have broken. XXXX and Equifax failed respond all together, never received anything. XXXX only sent my report. XX/XX/XXXX I sent more certified letters reminding them that have broken laws again. XX/XX/XXXX I requested for unverified accounts to be removed as they have broken the laws and is required to be removed, they failed to do so. XX/XX/XXXX I sent certified letters reminding them of internal laws that have been broken outlined in XXXX Compliance, which all XXXX laws have been broken and violated. XX/XX/XXXX I sent certified letters in an attempt for them o make things right but still failed to follow the law. XX/XX/XXXX was my last attempt certified letters for them to follow the consumer laws that should protect me. A fair resolution will be for them to remove all negative accounts from my credit profile as each of the laws have been broken outlined at the beginning of this complaint. By reporting inaccurate and unverified information is a violation of my rights and prevents me from moving forward in life.
Product: Student loan

My loan servicer is Navient. I'm currently enrolled in an income based repayment plan, the status of which should have lasted until XX/XX/2019. I usually file renewal paperwork in the summer. For some reason, the payments due for half of my loans randomly increased in XXXX. The total overall increase is exactly {$100.00}. Last month I was supposed to pay a minimum payment total of XXXX. This month, I supposedly owe XXXX. When I called today ( XX/XX/2019 at XXXX XXXX E. ) to ask why, the customer service representative had no idea what to tell me. She tried to suggest that something may have changed with my private loan. But I was looking at a print out of each individual loan payment, and my private loan was not the issue. Half of my student loans ( 4 direct federal loans and 2 stafford loans ) increased. I've provided screen shots as attachments below. One screen shot from XXXX where my payments were correct. And one from XXXX where they're randomly {$100.00} higher. I'm not sure what the customer service rep was looking at to indicate that this change would have had anything to do with my private loan. But just guessing about it was not helpful and could actually have been harmful to someone who didn't know any better. Her Navient customer service ID was XXXX. We ended the call with her saying she put in a research request to see why the payments would have changed. I requested to speak to a supervisor, but she denied my request. In the meantime, they put my account on a courtesy hold because my payment is due at the end of the month ( in three days ). But no one can explain why my payments increased in the middle of the income based repayment plan cycle This isn't the first time my payments have changed for suspicious reasons. It always seems to get sorted out, but only after a few weeks and many hours on the phone pushing for real answers and not uninformed guesses. I've started taking screenshots of my online navient account because the payments change so frequently and usually in error. And I want to be able to prove what's happening to me.
Product: Debt collection

My identity was stolen without my knowledge or authorizations as well as validate the debt as Ive request multiple times, with the company LVNV. XXXX, XXXX and XXXX XXXX harmful remarks on my report, without my knowledge, consent or authorization. Furthermore, never been notified to have the option or right to opt-out of such fraudulent information being reported. As 15 U.S. Code 1681c, 12 CFR 1022.3, 15 U.S. Code 6802, 15 U.S Code 1692g and 15 USC 1681s-2 ( a ) ( 1 ) ( a ) are being violated and many other codes. I would present them with the evidence and yet it will be furnished fraudulently. I put in an identity theft report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 




I want complete DELETION of the account and the sum payable in the amount of {$1000.00} for each account VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have obtained a copy of my credit report and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, I sent to all 3 bureaus which is reporting to my credit, does not relate to any transaction ( s ) that I have authorized. I have been unable to obtain more credit because of this unfortunate circumstance. I request that an extended fraud alert is placed on my credit profile. I requested a block all of the fraudulent information listed below from my credit profile, listed on my ftc report in pursuant to section 605 ( b ) of the Fair Credit Reporting Act. 
There has Not been no response from all 3 Bureau 's Is been 60 days from the time I notified all 3 Bureaus on the following accounts XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX Hard inquiry List .XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX   XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX   Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX   Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

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 that 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 ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me, they are a direct result of my identity being compromised. I'm demanding that these accounts be removed and blocked from my credit file 1 ) Public Record 2 ) XXXX   {$260.00} 3 ) XXXX XXXX XXXX XXXX  4 ) XXXX XXXX XXXX XXXX  5 ) Dept of ED/ XXXX  {$3900.00} 6 ) Dept of ED/ XXXX  {$8700.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681. 

Account name : XXXX XXXX  # XXXX Amount XXXX. 

Account name : Roadmaster # XXXX Amount XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Amount XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A 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 any consumer report containing any of the following items of information. Any other adverse items 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 was recently released from from XX/XX/XXXX and I discovered I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the recent leak of information from Equifax including private personal and financial information, mine included. It is unacceptable for a organization that is in control of such important information to be open to such data loss. It shows a gross disregard for information security.
Product: Checking or savings account

I deposited a check written to me and they placed a hold on the check which they had every right to do. Then they charged me for the amount of the check. Making my account negative when it had over XXXX dollars in it. They said this was due to them thinking it would bounce. Again they had never made the funds available so they had no right to charge me for the check
Product: Payday loan, title loan, or personal loan

I have been making loan payments on time until I got XXXX and had an issue with getting payments in due to the sickness. Made them aware and still got a late payment in XX/XX/2022. Then as I look on my credit report they closed the account and Im still making payments even though in XXXX and XXXX there were hurricanes being the issue and had to make a choose but when all was clear I still made the payments to bring it current every time and I have XXXX final payment of about XXXX dollars and they have not reported none of it but yet shows accounts closed when how is it closed when payments are being received and account is in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX Original Creditor : JARED-GALLERIA OF JEWELRY Amount Listed on Credit Report : {$630.00} On XX/XX/2021 at XXXX I received a call back from XXXX ( after requesting this via an automated system by initially calling XXXX ) and spoke to XXXX who advised that the total due is XXXX $ XXXX and that this was processed via the In-House Collection Agency. I was given Ticket number : XXXX regarding my call and inquiry. She advised I call XX/XX/2021 when the BA DEAPARTMENT is open. Account Number : XXXX Amount Listed on Credit Report : {$630.00} Original Creditor : Jared-Galleria of Jewelry XXXX XXXX XXXX, XXXX, MA XXXX ***alternate name address associated with company : XXXX XXXX XXXX XXXX Sterling Jewelers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. This is not my acknowledgment of its liability but there is a discrepancy in the amounts being reported as I was told {$490.00} on the phone, I see {$630.00} via XXXX, XXXX  and XXXX  and none of these amounts are familiar to me.
Product: Money transfer, virtual currency, or money service

I provide legal services. A payment was sent to me via Paypal and I received notification via my Paypal account that payment had been received by Paypal. I took the necessary steps to confirm the payment and created the invoice for the services on the Paypal site. I then received notification from Paypal that the funds were on hold and would be on hold until XX/XX/2023. It was my understanding that creating the invoice and confirming the payment would result in release of the payment. I spoke to my client who also called Paypal and confirmed the payment. He gave me the number for customer service where he had just spoken to someone. I called this number and the customer service representative told me that the funds were on hold and would remain that way. I am not aware of any prior communication from Paypal that gave me notice that payments would be placed on hold. I note that Paypal immediately deducted their fee. There is no basis for placement of money on hold which is received by Paypal. I would like for an investigation to be conducted of this business practice of holding funds. It is my understanding that this entity is in the practice of funds transfer and should undertake this process without a hold on funds in their possession. If the practice of Paypal is to hold funds this information should be conveyed to Paypal users.
Product: Credit reporting or other personal consumer reports

Two bank accounts showing account abuse that is inaccurate and incorrect.
Product: Credit reporting or other personal consumer reports

I had no student loans with XXXX I certified mail multiple letters to Experian in XX/XX/year> XXXX