23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have requested proof of the debt for 5 months and they have not provided anything to verify or prove I opened an account. there is nothing with my signature or approval. I was a minor when this account was opened and it was not opened by me. I have attempted on several occasions to rectify this with Portfolio Recovery yet they keep sending me the same letter over and over stating that they obtained a statement of the account when the purchased it. Regardless, they have not provided anything showing their method of verification or my signature. As you can see from my ID, I was a minor at the time this account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$1400.00} full amount on my XXXX XXXX credit card on XX/XX/XXXX. My XXXX XXXX payment is NOT DUE until XX/XX/XXXX. 
XXXX posted XX/XX/XXXX XXXX full amount XX/XX/XXXX Equifax XXXX XXXX lowered my credit score XXXX points on XX/XX/XXXX. I made the purchase on XXXX days after {$1400.00} purchase, XXXX points was lowered from my credit score, UNETHICAL business practices by Equifax XXXX XXXX. 
A. XX/XX/XXXX purchase made on XXXX XXXX {$1400.00} B. XX/XX/XXXX Equifax XXXX XXXX lowered my credit score by XXXX points C. I paid off XXXX XXXX {$1400.00} I paid off XXXX {$160.00} both on XX/XX/XXXX, I have XXXX credit card debt D. My XXXX XXXX credit card payment is due on XX/XX/XXXX. 

Equifax & XXXX lowered my credit score XXXX points FAILED to allow me time to make any payments. Please RESTORE the XXXX points removed because {$1400.00} is paid in full my XX/XX/XXXX, My payment date is XX/XX/XXXX Discrimination is deducting XXXX points from my credit score XXXX to XXXX in 11 days! The charge posted XX/XX/XXXX, XX/XX/XXXX points deleted Full amount paid {$1400.00} XXXX XXXX. 
RESTORE THE XXXX POINTS My payment is not due until XX/XX/XXXX, my credit cards are paid in FULL ( ATTACHED credit card paid in full XXXX XXXX {$1400.00} )
Product: Payday loan, title loan, personal loan, or advance loan

My XX/XX/XXXX payment of {$250.00} is past due. I attempted to make an electronic payment today, XX/XX/XXXX, to become current on the account. Klarna refuses any electronic payment for this past due account. Instead, the Klarna system will only allow an electronic payment if the payment includes the upcoming monthly payment for XX/XX/XXXX. I am being forced to electronically pay the XX/XX/XXXX payment early if I want to electronically pay the past due XXXX payment. As of today 's date, the only electronic payment option is to pay {$510.00}. This amount is the aggregate XXXX and XXXX monthly payment plus a {$7.00} late fee. Klarna 's process for electronic payments is unfair and deceptive. It does not permit customers to become current using electronic payment method and actually forces customer to potentially exceed 30 days past due. If Klarna is going to permit and accept electronic payments, then Klarna must also be fair and allow customers to electronically pay any past due payments to help its customers keep outstanding balances from exceeding 30 days past the due date.
Product: Credit reporting or other personal consumer reports

Upon checking my credit file on Experian, I found following account has been opened fraudulently and without my authorization on XX/XX/XXXX. The account is with XXXX XXXX  XXXX XXXX XXXX XXXX Credit Card # XXXX. This is a case of IdentityThefXXXX. Please remove this account from my credit file. 
According to an letter from XXXX XXXX  at my residential address dated XX/XX/XXXX, The bank claims the whole account has been paid and XXXX XXXX has a XXXX balance ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... When I call bank they say call bureau ... ... Bureau people say call bank ... ..... Please remove this fraudulent account from my Experian  Credit file. I also request a credit report from Experian  credit Bureau send at my residence XXXX XXXX XXXX, XXXX, NJ XXXX... ..... I have also attached FTC report for this.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2900.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2400.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$470.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$220.00}, XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On XX/XX/XXXX at XXXX I paid my mortgage online. I was charge a late mortgage ans it hit my credit for being late past 30 days, hurting my credit score by 30 points. When I called Standard mortgage company I was told it should have been paid by online THEIR close of business at XXXX. In most instances close of business is XXXX and I had no idea their close of business was XXXX. They stated that it was not drafted from my checking account until the XXXX and that's why they would not fix my credit report.
Product: Checking or savings account

I opened my account with US bank- I then funded the account with my XXXX  account. On XX/XX/XXXX I went to US bank to withdraw some of the money for a bill that needed to be paid. I was told the account was frozen and to call a number. When I called the number they said the bank should be able to handle it. I have had the runaround from customer service , fraud department and the hold department. Also no letter was ever sent to me regarding this matter. I keep getting the same thing not sure and a letter will come with the cashiers check. I then went back to the bank to resolve this with the bank manager which he forwarded to the district manager but to no resolve nothing has been done it is coming up to 90 days this is just wrong and still has not
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account ( XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the date opened is inaccurate, the date last reported is inaccurate, the comments are inaccurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report from XXXX XXXX XXXX and the account listed below show XXXX XXXX XXXX as the creditor. 

This company is NOT the creditor, I never contracted with them, and I sent certified letters to them and also XXXX XXXX XXXX XXXX XXXX XXXX to immediately correct my report and remove this account. Despite my previous disputes regarding the validity of this debt, this company has engaged in deceptive practices by tricking me into making a payment. The Fair Debt Collection Practices Act ( FDCPA ) and the Illinois Consumer Fraud and Deceptive Business Practices Act are to be enforced here. I sent them a certified mail on XX/XX/24.
Product: Mortgage

My home has been under construction since XX/XX/2019 through one of there preferred builders. The lender has not tried to help reach out for a resolution and has allows the builder to place a lien on the property stopping me from closing and selling the property. No work has been done in over a year and I continue to pay {$1200.00} each month for interest that has accrued on the property. I have tried settling this matter with the contractor and have tried asking what my current options are as I have been stuck for over 2 years because there builder walked away from the job without completing the work. The lender continues to threaten me stating the balance is owed but does not offer any assistance on a home I pay for monthly. The lender offers me no protection whatsoever and has not provided no assistance throughout this nightmare
Product: Vehicle loan or lease

XX/XX/XXXXReceived and email and was told must make a payment by the XX/XX/XXXX or will have to pay two car payments for XX/XX/2018. 
I have been in hardship since the XXXX  storm. Lost Fulltime Job. And now been in hardship since then up until now XX/XX/2018. Working XXXX  jobs. Was threaten to make 2 payments for being behind 34 weeks. For XX/XX/XXXX and XX/XX/XXXX. Refused to take the XXXX was advised to pay XXXX. Or threaten if I didn't give date for XX/XX/XXXX payment that isn't due till XX/XX/2018 Prestiege Financial is the Company
Product: Checking or savings account

In XXXX I opened a Popular Direct XXXX account after seeing that they offered a high-yield savings account with competitive rates. The interest rate was around 2.5 %. I've had the account three years and have wondered why the interest I've been paid this whole time seems much, much lower. Only now do I realize that they gave me a different savings account with misleading information - the interest rate still shows in the 2.5 % range, but the " APY '' has only between .5 % and .75 % since sometime in the middle of XXXX. My current statement shows the 2.46 % rate but also the much lower APY. I did not understand the difference between these numbers. 

This is false and misleading advertising- my statement shows the 2.5 % interest rate and in my view, the bank owes me 3 years of back-interest at the advertised face interest rate. 

When you go to their main page advertising their savings accounts, they advertise a 2.5 % APY and now I see there is a footnote that says that APY only applies to " High Rise Savings '' accounts. I was on this similar page when I opened my account up 3 years ago and clicking to open an account did not open a " High Rise Savings '' account - they put me in something called " Ultimate Savings '' which looks like the same face interest rate but somehow they are getting away with paying only a miniscule APY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovative recovery has been Re aging my XXXX report this collection account was placed on my credit report XX/XX/XXXX but the date of last activity has been changed year after year. XXXX my credit report XXXX stated XX/XX/XXXX next credit report pulled on XX/XX/XXXX stated XXXX XX/XX/XXXX next credit report pulled XX/XX/XXXX stated XXXX XX/XX/XXXX the next credit report pulled was XX/XX/XXXX shows XXXX XX/XX/XXXX this is illegal. Ive disputed this in year XXXX with negative results just did a recent dispute again in XXXX of XXXX and still negative results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a open account with XXXX XXXX  for XXXX $ and I ordered my consumer report from Chexsystems and I found out they have this debt in my report and its already paid and I reached out to the XXXX XXXX  to call chexsystems to delete it and I called Chex systems to let them know that the account is paid to delete it from my report both did not respond and now I cant open a new bank account because the false and not correct information chexsystems provide in my report. Please help me and look into it so it can be delete from my report because I really cant open any bank account and thats really hurt me
Product: Credit card

I believe the account is invalid. CREDIT CONTROL , LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.CREDIT CONTROL, LLC XXXX
Product: Checking or savings account

I went to Chase Bank to open a military account and they copied my veterans id card and my drivers license. They assured me it was normal protocol. It was not after doing my research.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, AZ XXXX 9. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 11. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and ALLY FINANCIAL were no successful resolution. XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XX/XX/2018 2018
Product: Checking or savings account

My father died in late XX/XX/year>. I was his Power of Attorney/ATF for his financial affairs while he was living. My father 's only income was his social security and his only assets were in his checking account at Truist Bank in NC. This is a regional bank in the XXXX and I reside in Massachusetts. I managed his financial affairs electronically after he was diagnosed with XXXX XXXX and was moved into an assisted living facility in XXXX, NC. 

I notified Truist Bank promptly that my father passed, although it took more than a month to get his death certificate because he was receiving his medical care from the VA. I was told that in order to close his checking account and receive the funds remaining ( approximately {$6200.00} ) I needed to send a notarized letter to the following address request closing the account : Truist Bank, Account Closure Exceptions, Mail XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX. 

I sent the notarized letter with a copy of his death certificate and the official XXXX XXXX XXXX XXXX XXXX for Collection of Personal Property of Decedent that was required. I also included my name, home address, and relationship to the deceased, and a copy of his checking statement in XX/XX/year>. 

I am my father 's only child and only heir. The court paperwork includes a copy of my father 's last will and testament, which clearly states this information. 

I was told once Truist received the materials that it would be processed, the account would be closed, and the proceeds sent to me within XXXX business days. I tracked the letter via XXXX and it was received on XX/XX/XXXX. I spoke with a supervisor at Truist on XX/XX/XXXX who confirmed that the materials had been received and were assigned to a staff person to process on XX/XX/XXXX. Given the Veteran 's Day holiday on XX/XX/XXXX, Truist had until XX/XX/XXXX to complete the process and close the account. The supervisor said I should expect to see the check the first week of XXXX. 

On XX/XX/XXXX, I opened the bank app to see the account still open and the funds still available. I have subsequently called Truist every day since to ask for an update and have been told by every supervisor ( at least 7 at least count ) that they have sent an " urgent message '' to the team asking for what's going on and they'll call me with an update. Apparently this department at Truist has no phone number so not even Truist staff can call and ask what's going on. 

I have received no phone call yet from Truist and the account is still open as of this complaint on XX/XX/XXXX. 

This is a very easy case to close. I was my father 's POA/ATF and his only heir. Why would it take this long to close this account and why won't anyone at Truist get me any answers? 

I'm already grieving the loss of my father. Handling his small estate should be far simpler with Truist than my experience suggests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests to request removal of the attached information from my credit report due to inaccuracy of reporting. Every response received states they have INVESTIGATED and VERIFIED the file as accurate. Last comment of updated account states NOT SPECIFIED. This does nothing for verifying my account nor does it resolve the issue. 

How is this possible when the consumer is the only one is able to verify this? As stated on my credit report, it shows all 3 credit bureaus reporting different information, not to mention, they never sent proof of how this information was verified, but states that it's accurate. I am attaching the latest request sent along with their response.
Product: Payday loan, title loan, or personal loan

I believe I am the victim of predatory lending practices and was taken advantage of during a difficult time in my life. 

While I only needed a lesser amount than the loan I got, I was convinced to take a much larger loan, which I am struggling to afford now. 

I only needed about {$3000.00} but was convinced by the agent on the phone that the {$10000.00} loan was a better deal and I should take it ( I only received about {$8000.00} in funds ) I did and am being charged over 75 %. 

I took out the loan in XXXX of 2017 and have made all of the payments so far ( about {$670.00} per month ). The company has already made it's money back on me and I feel they took advantage of me last year in a time of need. 

I had gone into debt by being out of work from XXXX through XXXX of 2017, going through a second divorce, and was about to have XXXX XX/XX/2017 in which I would have to take unpaid time off of work from a job I had just started. 

I would not have taken out such a large loan amount if not talked into it by the loan agent and am complaining to get my principal reduced to the original amount I wanted ( {$3000.00} ). 

Can you please help? 
Thanks, XXXX