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

XX/XX/year> XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for and received a loan from Mitig Capital. I received XXXX on XX/XX/2020. I contacted Mitig Capital on XX/XX/XXXX. I was horrified to hear the Balance of XXXX on that date. I then made sure to have that entire balance in my account that was on file with Mitig Capital. I had a conversation with the loan officer on the XXXX of XXXX at Mitig Capital and she said that the XXXX which was the entire balance on that date would be pulled from my account on XX/XX/XXXX. She said the balance would remain the same until then. On XX/XX/XXXX the funds were not pulled so I called Mitig Capital. The agent named XXXX stated that there was a problem on their end at that's why the balance hadn't been pulled. He assured me the balance would be pulled the next day on XX/XX/XXXX. I called back the evening of XX/XX/XXXX to make sure there was no problem with my account numbers that they had on file. This time I talked to an agent named XXXX XXXX. At first he said my account balance was approximately XXXX. I protested stating that I have been attempting to pay off the entire balance since XXXX. He talked to a supervisor and called back to state that yes the balance of XXXX was still valid payoff and that the funds would be pulled on XX/XX/XXXX. It is now evening of the XXXX  and Mitig has not yet pulled the funds to pay off the debt. I am very concerned that they are stalling and attempting to run up finance charges. I have read that this is happened to other clients of theirs. Please advise and help if warranted ... .thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

They removed an account that wasnt supposed to be there successfully Then they readded it for no reason I would like this removed from my report and removed from closed account Id also like the XXXX XXXX account to be removed from my closed accounts And the XXXX XXXX account, I want that removed from my closed accounts In the attached files Youll see them removing it And later re-adding it Makes no sense Also you can see the accounts that mentioned that are closed that I would like removed from closed accounts. They dont even show accurate information Ive also attached a photo of my passport which should serve as two forms of identification thats proves it me summiting this
Product: Credit reporting or other personal consumer reports

They said that I did not upload the correct documents for them to continue investigating my identity theft dispute for XXXXXXXX XXXX XXXX XXXX XXXX XXXX credit card, XXXX XXXX XXXX XXXX auto loan, and XXXX XXXX XXXX Here I have attached the ftc report that they are now requesting.
Product: Checking or savings account

I have now had two overdraft fees with Huntington Bank and when I have tried to contact them regarding the timing and problem I have received an automated system message that there is a system error and that there is no assistance at the time and the machine hangs up on me. 

The first overdraft happened on XX/XX/2019, on XX/XX/2019 after my flight landed {$100.00} was transferred from my XXXX XXXX Primary Account in order to ensure the amount was positive within 24 hours. I received an email on XX/XX/2019 notifying me of the overdraft and that I was protected by Overdraft Protection however I had previously transferred the funds the day before. This resulted in a {$37.00} Overdraft fee accessed to my account ( though their messaging told me that I had protection for overdraft on the morning of XX/XX/2019. ) The second situation happened today on XX/XX/2019. I received notification when my flight landed that my account was overdrawn however I ( again ) had been traveling for work and was in the air most of the day unable to have internet access in order to transfer funds from my XXXX XXXX Primary Account into my Huntington Account. I called Huntington and each time I was greeted with an automated system that there was a system error and I could not be helped then hung up on. 

This is completely unacceptable as this is the second time I have tried to transfer money from my primary account to my Huntington Account ad have been denied and charged an Overdraft Fee though funds were sent the day of and communication was failing on Huntington 's part.
Product: Credit reporting or other personal consumer reports

Social XXXX my complaint is on XXXX their is XXXX  negetive adversed accounts that are fraud and on experian their one negetive acocounts these accounts on both credit agencies suppost to be removed from the reports theirs a fexeral trade commision identy report on filed with experian and XXXX XXXX
Product: Student loan

Over the course of 11 years a lot has happened between the pressures of  XXXX   XXXX  pushing to finance my education when I had the money to pay outright at the time,  XXXX   XXXX  taking over my loans and Navient continuing to service them. My complaint is about the incorrect and ruinous suggestion from  XXXX  Mae/Navient 10 years ago to consolidate my loans. What was done could not be undone. My private loan increased from a few small increments t o one large one an d my interest rate skyrocketed with it to over 19 %. No one at   XXXX   XXXX   told me they would do this, no one atNavient can do anything about it. In 10 years I have not made a dent in my initial balance, at this point I wholeheartedly believe that going to college was the worst decision of my life. I beg friends, family and colleagues not to go at all or not to finance. I tell them my story and luckily, so far, no one I know is financing their education. Those of us who were   XXXX   XXXX   by the Triad of deception,  XXXX   XXXX ,  XXXX  and Navient, are for the most part completely stuck. Stuck with an useless unaccredited education and a lifetime of debt.
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 XXXX XXXX, has violated my rights. 
XXXX OF XXXX XXXX has violated my rights DEPT OF XXXX XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF XXXX XXXX has violated my rights DEPT OF ED/XXXX XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights XXXX XXXX XXXX  XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX  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

The company did not call XXXX XXXX XXXX XXXX of Montana. I ask them to resend the statement a couple of times to XXXX XXXX and they would say we had no insurance. I have insurance, they failed to bill correctly.
Product: Debt collection

On XX/XX/2018 I received a alert to my experian report that XXXX XXXX flagged my report in a collection pursuit. I immediately sent out a debt verification letter being I had no received anything prior to this. I had also sent a verification request to experian. I never received a call nor letter from the debt reporting agency but experian wrote stating it was verified without showing HOW it was verified. Upon reading the law, I learned FCRA 809 ( a ) requires the debt collector to CONTACT the consumer to rectify the situation prior to hitting credit reports. They are required by law to provide the consumer 30 days to dispute or request verification. This company NEVER did this. The first I knew about this debt was by my credit report alert. Since this date, they had alerted my report for new collection XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 5 times they reported this debt to experian alerting me of a new collection. This is the same collection being reported FIVE times in a month! Furthermore I have XXXX XXXX ( who they claim I owe ) now in MY NAME and never had any issues in obtaining it. I only owe current bill of {$86.00}. I have been in my same home for 6 years now. This company refuses to answer my letter verifying the debt, they continue to report over and over to the credit report which is hurting my scores and experian refuses to answer to how this was verified. Being such, by law, this is to be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to address this error with XXXX XXXX XXXX XXXX ( XXXX ). They are now in multiple violations of the Fair Credit Reporting Act ( FCRA ). XXXX needs to delete this innacurate information from all 3 of my credit reports immediately. 

I have a settlement agreement with XXXX entered on XXXX XX/XX/2018. I have attached a letter to prove this. This letter summarizes that I have made timely payments in accordance with our agreement. I have made three payments thus far. Initial balance with them was only {$19000.00}. They continue to report inaccurate information such as the following on my 3 credit reports : " charge off '', " no payments '', " late payments '', " balance due of {$26000.00} '', " placed as bad debt '', " placed for collection '', " collections '', collections and skip '', " charge off '', and more, on all 3 of my credit reports. I have a sample attached from my Equifax report for verification. I have made 3 timely payments of {$320.00} a month, and my balance owed is now only {$18000.00}. 

FCRA Violations : # 1 : " Reporting a debt as charged off when it was settled '' # 2 : Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed.

Lastly, each time I have tried to dispute this matter and have it updated, these accounts have been negatively " re-aged '' .... 

# 3 : Re-aging a debt, credit card or other past due accounts resets the collection limitations clock and may give collectors and creditors a fresh start. Creditors DO NOT have to re-age past due accounts, but when they do without your permission or payment, their actions is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, if the re-aging constitutes false information furnished or transmitted to a credit reporting agency. Re-aged debts restarts a statute of limitations on collections and is not legal. 

Please assist me and remove this immediately from all 3 of my credit reports. It has now harmed me financially by not being able to qualify for a Veterans Affairs Mortgage, even though I am a XXXX XXXX    XXXX Veteran. The additional amount of money in rent I will now have to pay over the amount of VA loan mortgage will total over {$180000.00}. 

During the lifetime of a 30 year loan, even though I have attemtpted to do the right thing in fairly resolving this debt with XXXX, this is devastating news.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have tried contacting Mohela multiple times regarding a refund for my loans being paid off by a third party during the time of the CARES act. Ive requested said refund and told it was put into the system but could be be denied, and have had different answers each time I contact them. I havent received any sort of communication and have waited on hold for over an hour each time I call regarding the status of the refund request, which was put in over 30 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstly it was very difficult to file a dispute because experian kept pointing me to some form online which, at the end of filling all information said that it can not file the complaint due to an error at that time. Finally i called them for hours on the phone and mentioned that i am an ID fraud victim and need to rectify information on my credit report. Thenafter there is a collection agency account which needs disputing so i filed a dispute. Experian agent asked me to upload a supporting document and i did provide supporting document from original creditor XXXX XXXX XXXX which said that i do not and did not owe them any money and it was not supposed to be reported on my credit account. I have attached the same document which clearly states i have no liability. Yet experian and the creditor did not take it into account, there is no mention of it in any explanation provided and the collection account unfairly remains on my credit report. Please see the attached evidence i provided to experian as well. 

Secondly, my credit score drastically reduced by 23 points on XXXX XXXX 2018. I have no drastic changes in payment accounts, no new loans, no such changes to make it drop. There is no explanation from the company and other beuros havent dropped my rating. So i am unable to get any response or explanation of sudden credit drop from experian. It has been very difficult to work with experian and it does not care for consumers at all.
Product: Debt collection

I visited the ER on XX/XX/2020 due to XXXX XXXX complications. I gave the hospital my insurance information. On XX/XX/XXXX, The hospital called me to let me know that I was infected with XXXX XXXX. I never received any bill or statement stating that I will have to pay out of pocket for something that my insurance should have covered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit in XX/XX/XXXX, I was told by the finance company I had a negative reporting on XX/XX/XXXX by XXXX XXXX XXXX appear on my credit report. so I pulled my credit report XX/XX/XXXX. This also the same month I began to dispute this item from XX/XX/XXXX to present XX/XX/XXXX this item continues to remain on my report and XXXX XXXX XXXX continue to provide false information from their XXXX Virgina location and XXXX California Location.
Product: Credit card or prepaid card

I purchased XXXX  computer in XX/XX/XXXX at XXXX  store ... ... They offered me financing through Barclays credit card with 12 months at 0 % percent financing. I asked them what will happen after 12 months, they told me that they will start charge me an interest at that point.

Not once they told me or explained that they will also add all unpaid interest for the first 12 months back to my account. I only found out about when my credit card was declined as it became over the limit by over {$350.00}.

Barclays Credit added {$550.00} to my account in XX/XX/XXXX.

I called Barclay Credit card tried to explain this situation, but they refused to hear me out and refusing to reverse this charge. This is really misleading and they took advantage of me unfairly
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is currently reporting payment history activity in XXXX on my closed mortgage account after the account closed on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested.
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 that need to be investigated and corrected 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
Product: Debt collection

Oh my goodness this bank is the most ridiculous Bank I've ever dealt with in my entire life. They just seem Uneducated. Long story short, the card that they say I owe {$300.00} on was attached to my phone and was attached to the app. All the transactions on this card came from one app. Now the things that seem unusual is that the bank has removed most of the fraudulent transactions. But the transactions that were left, they said that they determined that I made those transaction so I asked them to explain and they said well we sent a text message to your phone and you agreed that they were not fraudulent so you sent a text message to the phone that the criminal had. Of course they said it wasn't fraudulent. I mean anybody with any common sense would know that the card would've been frozen right then in there if they would've admitted that they were committing fraud and I've explained this over and over again and every time I talk to someone they say oh yes, that makes sense you know we're gon na re-investigated but they don't really re-investigate and then while they were investigating, they were charging interest and applying light fees to the account, which is against the law if you have any other questions, please don't hesitate to reach out to me, but there is no way in the world that I'm paying this bill. I don't owe anything to this bank. I should have a XXXX balance. I wan na know exactly what it is that I still owe this Bank.
Product: Credit reporting, credit repair services, 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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$280.00}