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

I was at the counter at XXXX XXXX applying for a store credit card and was declined. Not only was I disappointed, but I was confused and upset I went and pulled my credit report and that's when I noticed several things on my credit that are not mine! Not sure how this could happen, but I'd like these things taken off as soon as possible. These items are STILL on my credit report : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My student loan thru Navient shows my disbursement date as XX/XX/XXXX, however, I graduated in XXXX from XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I worked hard to pay off debts and remove inaccurate information from my credit report. My credit report is showing I dont have any collections and I still can not get a credit card due to a card I have disputed due to inaccurate information and XXXX relief law. Its not my fault of XXXX caused me to get laid off and couldnt make bills. I have a job at XXXX XXXX insurance and have a great credit profile with 0 collections.
Product: Credit reporting

TransUnion is refusing to work and operate as a neutral party. They have not demanded the debtor to provide accurate information of debts. Debt collectors are basically making statements with no proof. The account I am complaining of states closed and paid by collateral of the report.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed that XXXX was listed on my report as a closed account. This account has been closed since XXXX and I did not authorize this publication to my credit report. I was unaware that my credit was reported negatively. This is harmful to my living statndards. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I am refiling my complaint with EXPERIAN through this complaint. I previously submitted a letter addressing discrepancies in my credit report, including inaccuracies related to the date of last activity, date opened, date reported, payment status, charges, and more. Despite my efforts to bring attention to these issues, EXPERIAN maintains that there are no errors in my report. However, it is crucial to emphasize that this account is fraudulent due to illegal and unauthorized charges. 
The investigation period has extended beyond 30 days, during which EXPERIAN claimed to conduct a thorough examination. Unfortunately, upon reviewing my credit report, I have not observed any corrections. The inaccurate information persists without any apparent rectification. I feel that my rights have been repeatedly violated, particularly as outlined in 15 U.S.C 1681 section 602 A, which underscores my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instruction. 
I am reaching out once more in the hope that EXPERIAN can promptly address and rectify these issues. Accurate reporting is crucial, and I trust that EXPERIAN will uphold its commitment to maintaining the integrity of the credit information it provides.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX and Equifax for egregious mishandling of the XXXX XXXX XXXX auto loan, Account Number XXXX. Their persistent violations have allowed this account to report as a charge-off for an unjustifiable two-year duration. 

Multiple Violations and Relevant Laws : 1. FCRA 623 ( a ) ( 2 ) - Inaccurate Reporting : Both credit bureaus failed to correct inaccuracies, enabling the continued reporting of an unjust charge-off status. 
2. FCRA 611 ( a ) ( 7 ) - Lack of Verification : XXXX and Equifax neglected to verify the accuracy of the reported charge-off status, violating FCRA Section 611 ( a ) ( 7 ). 
3. FCRA 611 ( a ) ( 5 ) - Untimely Updates : Monthly updates as a charge-off constitute untimely reporting, directly violating FCRA Section 611 ( a ) ( 5 ). 

4. FDCPA 807 ( 8 ) - Harassment/Abuse : The repeated, unjust reporting constitutes harassment, violating the Fair Debt Collection Practices Act. 

XXXX still contacting me to pay different prices but it has already been written off I demand the immediate deletion of the XXXX XXXX XXXX account from my credit report due to the severe and continuous violations listed above. I expect a thorough investigation into this matter and swift corrective action. 

I appreciate your urgent attention to rectify these severe violations. 

Sincerely, XXXX XXXX
Product: Credit card

My Citi credit card is currently under penalty interest. After I made XXXX consecutive timely payments, I contacted Citi to inquire about why my interest rate has not been reduced. I was told that they review accounts every six months in XXXX and XXXX. Upon receiving my most recent statement, penalty interest is still applied to my account despite making XXXX consecutive on time payments. I contacted Citi again today and the Account Rep attempted to reduce my interest rate but the system would n't allow it saying that my account was ineligible. Despite repeated requests to provide information as to a reason why my account was ineligible for an interest rate reduction, the Account Rep was unable to provide any detail. He would state repeatedly that if the system would allow him he would have already and that his recommendation was to make two more timely payments and they could try to reduce the rate again after that. I asked if that meant that XXXX consecutive payments were required for reducing my interest rate or if that meant the system is showing my account as only having XXXX on time payments. The Account Rep denied XXXX only assuring me that he tried to reduce my interest to no avail. I ended the call to file this complaint. My understanding of the CARD Act was that penalty interest is to be removed after XXXX timely payments. To the best of my knowledge, I feel I have completed what is required of me to be cured from this interest rate and will not accept deliberate mistreatment. So, I am filing this complaint in order to expedite a solution and/or provide myself a better understanding of what the law stipulates regarding this issue. Attached is a payment history taken from my Citi account online for the on time payments from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with numerous people at all 3 bureaus in regards to a bankruptcy showing on my credit report ... it is not mine ... what identifying information they use to report this because clearly they have not INVESTIGATED PROPERLY .... i received a updated credit report and this bankruptcy is still reporting as mine THEY SAID THEY VERIFIED THIS THROUGH A THIRD PARTY NAMED XXXX XXXX ... .. XXXX XXXX sent me verification that any and all information in my file is suppressed so how could this have been recently investigated.
Product: Credit card

I was approved for a capital one secured credit card I had to make a deposit of my own money and that money would be my credit limit so I deposited XXXX dollars on my capital one secured credit card I never missed a payment then one day capital one froze my account claiming there was suspicious activity and I had just got my direct deposit so all my bills where due but I was not able to pay any of them I contacted capital one they had me go threw all the prompts to verify I then expressed my frustration with the company because how can u make that mistake I understand wanting to protect accounts but to completely stop me from accessing any of my friends is pretty insane so I was upset I called the capital one corporate office I went to file a complaint I guess they didnt like that to much because the following day all of my accounts where closed even my credit card account they took the full XXXX I deposited as collateral to pay off anything else on my card which totaled around XXXX dollars I never recieved any of the remaining XXXX they closed the account completely the supervisor at corporate was a XXXX women but she. Never gave me her name she refused to I believe she is the one who closed the accounts none the less after they closed the account I received a letter saying they no longer wanted to do business with me ok thats fine I just wanted my money back they closed the account I no ok at this point I have no ties with them I also received a letter showing account paid in full and closed. The following month I receive a bill for the same credit card saying I owed XXXX dollars so now Im scratching my head because the month prior they sent me a letter saying account paid in full so I was like what is going on I contacted capital one to no avail I reported it on my credit profile this account is fraudulent because I no longer do business with them so basically they opened the account back up to then charge me late fees the total was XXXX dollars then they charged off my account saying I didnt pay capital one are frauds and thiefs and the will steal your life if u let them and now Im reporting them cause this isnt right they do illegal practices and get away with it and its not right in the documents that I am attaching to this will show proof I had funds in my account they closed my account and then would not let me access any of my funds and also proof I paid the account in full and I had no balance on my account when it was closed the final picture is of the account being closed with no balance. They reopened the account and then made this bogus fee for XXXX dollars then racked up late fees on my name and then charged it off as a bad debt I mean thats diabolical how many other people have they done this to the need to be investigated immediately
Product: Credit card

I made a payment for the minimum due on my statement of {$190.00} on XX/XX/2024. {$170.00} of that was applied to a fixed payment balance ( {$2000.00}, XXXX equal payments at XXXX % interest if paid in full ) and the additional {$18.00} was applied to my regular balance. This is what I expected to happen. 

Then on XX/XX/2024 I made another payment in the amount of {$910.00}, which I expected to go entirely toward the remaining regular balance of {$11000.00} ( at the time the payment was made or {$1200.00} at the end of the billing cycle ). They ended up applying {$360.00} toward the fixed payment balance and only {$540.00} to the regular balance. I have attached my XXXX statement I believe this to be in violation of Reg-Z SS1026.53. XXXX XXXX XXXX, which says they must apply payments to the highest interest amounts. I was not in the last XXXX months of the promotion period so that exception does not apply. 

I tried on XXXX separate occasions to have them re-allocate this correctly but in the first XXXX I was rejected via an emailed letter and in the last case a manager told me on the phone that " no-one here is willing to re-allocate that payment for you ''. I have attached the XXXX rejection letters I was emailed.
Product: Money transfer, virtual currency, or money service

PAYPAL is discriminating against the consumer and participating in unlawful acts under the truth and lending act and equal credit opportunity act. In XXXX, The consumer paid for a product for personal, family and household purposes and the seller of the product ( XXXX XXXX ) did not send the merchandise that was listed for purchase. In PAYPAL agreement, it contains that when the consumer files a dispute, PAYPAL handles the issue. However, PAYPAL is exemplifying discrimination practices because they are making me do EXTRA filings to receive my refund. HOWEVER the consumer has requested that her funds be returned immediately because she has IN GOOD FAITH exercised her RIGHT to request her refund immediately. PAYPAL is refusing to refund which is against the Consumer Protection Rights. I informed PAYPAL that, If this claim is not refunded immediately, the consumer will exercise her rights to report PAYPAL to all government agencies to file a complaint that PAYPAL is in violation for unfair practices and refusing to uphold law and are in violation under the TILA, XXXX, FCRA and any other Acts that are deemed proper regarding this issue. The consumer gave PayPal THREE days to resolve this matter and PAYPAL sent back an email REFUSING to refund the consumer. So here i am, filing reports to the appropriate governmental agencies for violation of undue stress and the delay of time experiencing misconduct and discrimination with PAYPAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a letter accompanied by a copy of the police report filed and my photo i.d was sent to Equifax ( credit bureau ). This was actually a third letter to the bureau, stating that the XXXX XXXX account with a {$200.00} balance and the XXXX XXXX XXXX account with a {$120.00} balance are fraudulent. The company refuses to abide by the law and remove these fraudulent accounts under section 605b of the Fair Credit Reporting Act.
Product: Mortgage

On  XXXX   XXXX  I went online to p ay one of my mortgage  payments. I saw that at the end of the transaction the amount was {$5.00} higher than my normal payment, but I had already pushed the end button. So I went back into the site the next day and looked and it showed I had paid the normal amount.   When I checked my bank account it showed {$5.00} additional. So I called them last night but they were closed. But there was a recording that said as of  XXXX   XXXX , there will be a   {$5.00} additional charge to submit your payment online.
1. I was NEVER advised in writing that his charge was going into effect.
2. This is NOT what I signed up for. Not part of our original contract and I feel it is illegal to do this now.
this is Carrington Mortgage Services, LLC   Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which | would like removed please ) : ( Previous / Incorrect Addresses ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX There should only be one address listed on my report, which is ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see Listed : ( Incorrect Names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove inaccurate phone numbers as well as listed below : XXXX. ( XXXX ) XXXX Once you have deleted inaccurate names and addresses from my report, please send me a copy of my updated report. 

Thank you,
Product: Debt collection

XXXX XXXX XXXX has been increasing my collecting debt every month for the past 4 months since I call them to settle the debt amount to pay and they instead of working with me are continnuesly increasing the amount
Product: Credit reporting, credit repair services, or other personal consumer reports

i've tried several times and several different ways to get my personal information corrected on my consumer report yet i haven't received any response nor update to my report. ive been a victim of identity theft and continue to reports this to the 3 major buearus to no avail.
Product: Mortgage

I sold my house on XX/XX/XXXX. Freedom Mortgage says they have sent two checks to my new address but they have been returned. According to Freedom the USPS can not find the address. The USPS has delivered many pieces of mail and packages to me at the new address. It is now XX/XX/XXXX and Freedom wants another 8 - 10 days to write me another check. They say they can not transfer the funds straight to my checking account but they were happy to withdraw payments from my checking account for the past 3 years. This all sounds like an excuse to sit on my money without paying me interest or late fees for another couple of months.
Product: Mortgage

I filed a complaint with you that case number is XXXX, in which it was closed and Specialized Loan Servicing ( SLS ) responded by stating that they were going to be issuing 3 seperate checks in the following amounts : {$920.00}, {$230.00} and {$870.00}. 

They sent the check for {$920.00} but they made it out to XXXX XXXX and XXXX XXXX, which could not be deposited to the bank because XXXX XXXX passed away on XX/XX/2018. I called SLS and was told that they made a mistake and should of made the check payable to XXXX XXXX and the Estate of XXXX XXXX. This check was sent to us on XX/XX/XXXX and SLS said it would take XXXX days. I keep calling to ask about the checks and they say they will send in a report, but that does not help. It has been XXXX weeks and still to repayment. I have also asked about the other two check and when I ask they say they do not know anything out that. But that is what they said in the final report to my complaint.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My FCRA rights have already been violated at this point. I have attempted to rectify this issue but to this point haven't received any updates whatsoever on this matter. There was no notice that a proper investigation has taken place or in process. Upon viewing my credit reports I noticed TARGET/TD had a discrepancy in the " account number '', " date of last activity '', date of last payment '', date opened '' and " payment history '' section of the listings. XXXX and XXXX are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX  is reporting a date opened of " XX/XX/XXXX ''. XXXX  and XXXX  are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX  is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. Also this account is being reported as a collection/charge-off which means there should be no payment history reflecting on the credit report. This is a violation! This account is also reflecting a " past due balance '' of {$1500.00} which is another violation if your reporting this account as a collection/charge-off. You cant report a balance owed and a " past due '' balance as well. If this is the same account, reported by the same creditor how are these numbers and dates different? Because of this apparent neglect in ensuring everything on my report is accurate consistent and up to date please " DELETE '' this item immediately.