23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Due to the XXXX of my husband and his inability to work I requested to be placed in the hardship program. It was agreed that we would pay {$160.00} per month for four years at XXXX interest. Our statements continue to reveal 40 % interest being charged. After multiple phone calls to multiple departments and people it seems the system is stacked against the customer resolving the situation. Whoever takes the calls are never people authorized to make a decision. The hardship agreement was made in XX/XX/XXXX and to date we have received no phone calls, emails or written correspondence. We sent a certified letter to their XXXX office on XXXX XXXX. We checked the tracking on the letter and it revealed it was delivered on XXXX XXXX. So far no response. I called once again to their customer service department and they knew nothing. They were located outside of the US. The crux of the letter we sent informed them that we will no longer be making payments until this is resolved.
Product: Mortgage

I pay biweekly bank payments with extra to my mortgage but do not use their biweekly payment option. On my payment activity I have line items of " Lender Paid Adjustment '', {$39.00} and then " Lender Paid Expense '', {$39.00}. When I called the customer service they said, it was a loan because that months biweekly payments did not add up to a full payment. I bank pay biweekly and they said that any extra biweekly payments go to prepaid interest. So if I understand this correctly, I am paying biweekly but the company is loaning me the balance for that months payment because they sent any extra to prepaid interest. Then they pay that months loan to the principle balance even though I'm ahead in monthly payments. I asked them to stop doing this and put any extra to principle. They said because of their system algorithm they can not do that. I would need to call in each month and specify that any extra goes to principle. This seems to be self-serving and I want them to stop applying my funds in this way. They refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information on my credit report that has not been verified under federal law nor have I consented to the reporting of this inaccurate information. The inaccuracies and failure to reinvestigate this information has caused me financial harm and injury.
Product: Vehicle loan or lease

On XX/XX/2020 we set up a modification agreement on loan # XXXX - made a payment of {$18.00} is what the website asked us to do both parties agreed we did the same thing with the other vehicle loan we have and all of a sudden they show up on our doorstep today and repo the car - they never emailed me the modification agreement I have emails that shows that it was set up in place - made a payment that same day - and they are refusing to except payment in anyway size shape or form I tried to make a payment on the website today
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I Placed a Sell Order for XXXX Litecoin for a total ( USD ) XXXX with a disclosed fee of ( USD ) XXXX according to the GDAX  Order Form. Having Placed the Order I only received ( USD ) XXXX and was charged a fee of ( USD ) XXXX. Please see the attached photographs as evidence and proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my personal information to make unauthorized inquiries. On my credit files fraudulent without my permission with XXXX XXXX, and Equifax. The inquiries XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX All the inquiries took place on XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my account and on my credit report they show a balance of {$1700.00} owing on my account when I actually owe {$610.00} on the account. I have called and to no avail no one was willing to assist me in correcting this accounting error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act under 15 U.S.C 1681 Section 602, which protects my right to privacy, these XXXX accounts that appear on my credit report under the following names have violated my rights, which I invoke : 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 I am also invoking my right under 15 U.S.C 1681 Section 604 A Section 2, which states that a consumer reporting agency can not furnish an account without my written instruction. I have not provided any such instruction for the listed accounts to be included in my credit report.
Product: Credit card or prepaid card

I received my Citi Simplicity card XX/XX/XXXX statement last week. Also enclosed with the statement was notification of Important Changes to my Account Terms, which to informed me that my interest rate will increase from 22.24 % to 25.99 % effective XX/XX/XXXX. 
This is a 3.75 % increase in interest rate. Reasons given were due to factors that have been present most of times Citibank runs periodic credit reports. This time the same factors that existed during previous months of checking plus a credit score of XXXX was given as the reasons for the increase. I also make my monthly payments with each statement. 

Also, I had reason also requested a replacement card from Citi as the original one was cut up. So why am I being penalized with a higher interest rate for information that had existed when previous credit inquires were made by Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00} and XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$2900.00}. Also, The TransUnion credit bureau is required to authenticate this account. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}. Please delete.
Product: Credit reporting or other personal consumer reports

Im reaching out to dispute a few errors on my TransUnion credit report that need to be fixed. The credit report contains inaccurate addresses, including XXXX XXXXXXXX XXXX XXXX, XXXX, NJ XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX. The correct address is XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX. Further, my credit report lists several incorrect names that are not associated with me. My correct legal name should be XXXX XXXX XXXX XXXX. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681e ( b ), which mandates that credit bureaus ensure the accuracy of the information they report. Noncompliance with this obligation is considered willful under 15 USC 1681n, potentially resulting in statutory damages of up to {$1000.00} per violation, in addition to the possibility of punitive damages. I request that TransUnion investigate and correct these inaccuracies and update my credit report to reflect the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 i disputed a XXXX XXXX credit reporting for incorrect information. The XXXX account was removed from my credit report. On XXXX a new debt collecting company that purchased the XXXX account started reporting with even more incorrect information and showing as a new active account. I disputed the new account ( XXXX XXXX XXXX ) with Experian and the investigation came back as updated. XXXX XXXX XXXX ( debt collector ) has incorrect information being reported as a new account as of XXXX. Experian doesn't want to do the research to see the original XXXX account was removed for incorrect reporting data. XXXX sold the account to XXXX XXXX XXXX and is now showing as a newly delinquent account. Thank you
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. 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 accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX Balance : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account through the company and through previous complaints with the Consumer Finance Protection Bureau, with a collection from XXXX or XXXX. The collection is for the same payday loan. The collector agreed to delete this account due to inaccurate information. However when I dispute this same account to have it removed from my credit report Transunion refuses to remove it. I have proof of the account deletion and have had no problems with XXXX removing the account in a professional and timely manner. Ive had to dispute this same account multiple times with Transunion with no success on their end. Also all other creditors are showing this collector as XXXX XXXX, its only showing up as XXXX through transunion but it is still for the inaccurate loan from speedy cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on an account under an open end and consumer credit plan as late for any purpose.
Product: Payday loan, title loan, personal loan, or advance loan

The manger called and stated the child support I receive should not have been used by her employee in order to approve the loan. My income dropped by 40 % when not receiving child support therefore the manger confirmed this is a predatory loan imposing unfair, deceptive, or abusive loan terms and confirmed it should not have been approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL FRAUDULENT ACCOUNTS OFF CREDIT REPORT IMMEDIATELY. 

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.

A copy of my credit report I received from annualcreditreport.com. 
The fraudulent items are circled and listed here : XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX 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
Product: Student loan

Have made multiple calls to Nelnet to try and get a refund for payments. First call in mid XXXX. Second call on XX/XX/ with no update. Total amount still has not updated on the website as of XXXX.
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 XXXX  Account Number : XXXX  and 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, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX OF XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX FIN XXXX Balance Owed : {$680.00} XXXX FIN XXXX Balance XXXX : {$1900.00} XXXX XXXX XXXX Balance Owed : {$52.00} XXXX  XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CAR XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AA/CBNA XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I went to deposit {$XXXX} using the ATM. First, I inserted XXXX {$XXXX} bills, which the machine accepted. It then asked if I wanted to add more cash, to which I responded " yes. '' I proceeded to insert {$XXXX} in {$XXXX} bills, but for some reason, the ATM rejected those bills and returned them. However, it kept the XXXX {$XXXX} bills, canceled the transaction, and did not credit my account for the {$XXXX}. 

I reinserted my card and deposited the {$XXXX} bills in a second transaction, which the machine accepted and credited to my account. However, the {$XXXX} from the first transaction is still missing from my account. 

I have been dealing with customer service for the past 10 days without any progress. They told me they had filed a request to credit my account, only for me to find out later that it was submitted ( by themself ) incorrectly. Meanwhile, Im stuck paying late fees on my credit cards since I was planning to use that money to pay them off. Due to their mistake the provisional credit the offered me, it has also been delayed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX I sent certified letters requesting the removal of a US Bankruptcy from my Credit Report. I am protected by the FCRA laws and guidelines which protects consumers from misinformation being used against me. The credit bureau is not in compliance. I have asked for them to send me a copy with my signature giving my permission to report this on my report, or documents from The US Bankruptcy Court. In reply they have sent me letters stating my account has been updated which there has not been any change whatsoever nor have I received any proof of documentation from anyone.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measure to prevent address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund Transfer act ( EFTA ) and regulation E. These actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations.
Product: Credit card

I opened a Verizon Credit Card basically under threat from the company to charge me more plus they would give me rewards by using the card. I only use it to pay my Verizon bill, which has never been late. It was opened back in 2019 and currently has a XXXX balance. The company reduced my credit line and then promptly closed it despite my stellar record. They claim there were too many delinquencies, which is false. They also claimed too many inquiries, which was also false. I demand that they reopen my account with a credit limit to at least pay for the Verizon bill.
Product: Checking or savings account

I have filed XXXX XXXX for the past 6 years with the IRS. I dont use an EIN as I am an XXXX XXXX and get paid. Cash or XXXX   deposits. When COVID hit, my business started going under. I utlitized the SBA grant and received a grant deposit of {$1000.00}. Not the loan. I was told my account was high risk and my account was frozen and is under investigation. I went to the branch days before and they agreed to remove the funds until they completed the investigation and allow me full access to my account. They then froze my account Sunday after removing the SBA funds and lifting my account. I have proof of my tax filing and the SBA loan was deposited into my account with my legal name on it. I filed the application with my legal name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the credit bureaus to valdate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. 
Please have them delete these unauthorized inquiries. 

XXXX XXXXXXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/2020 XXXX/XXXX  XXXX XXXX Dealers, XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXXe XXXX XXXX XXXX : XX/XX/2020 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive recently reached out XXXX to let them know Im a victim of identity theft nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATIONS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
Product: Credit reporting or other personal consumer reports

I have erroneous inquiries on my credit report attached is the documentation and an erroneous reporting of a student loan. This is on all three credit reports. Also XXXX document uploader is not working, and they do not seem interested in fixing it.
Product: Student loan

I never gave Navient the authorization to acquire my loan. I checked my credit report and found XXXX dollars owed to them. Im also on social security XXXX. They have destroyed my credit and keep adding interest. Ive tried calling the company and it just rings. I need a lawyer as well but on a fixed income. Im sick and dont need this added stress.