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

My XXXX Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them. My XXXX Credit Report also shows a XXXX and a XXXX XXXX that is not mine. They refuse to remove these items. Please contact XXXX to remove these items.
Product: Credit card

I have had this credit care for dental work done last XXXX ( 2023 ). I was paying XXXX a month. Every time I would make a payment it would say that I'm in the negatives. This card was approved for XXXX dollars, which was taken out all at once for XXXX XXXX. How is it that after a few payments on time my payments jumped XXXX a month. Those few payments I made never paid it out of the negatives. Now they have put this card on my credit report. I was supposed to have no interest up to six months. Now I am almost at XXXX dollars in the negatives when the max limit was XXXX dollars. The negative started with my first payment.
Product: Debt collection

DEBT WAS DELETED FROM XXXX ON XXXX AS RESULT OF IDENTITY THEFT. IM ASKING THAT THIS DEBT BE REMOVED FROM " ALL '' CREDIT REPORTING BUREAUS ...
Product: Debt collection

ERC is reporting I owe XXXX XXXX I have never had XXXX XXXX this is not mine
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. 
The company has acknowledged this error and has committed to updating the status to closed and open/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. Specifically, I wish to dispute these accounts : BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Bank account or service

I have been charged multiple NSF fees. USAA goes by the available balance and not the ledger balance. When the debit card is wiped usaa immediately deducts this from the amount before it ever hard posts. There is no cutoff time for this. BUT when a deposit is made, it has to hard post to be used same business day. i feel this is predatory practice! 

for example, its XXXX and my account has XXXX. I swipe my card for XXXX and it is pending. that same night an ACH transaction comes in for XXXX, the XXXX is still pending. I WILL GET A NSF FEE! even if i transfer to cover the XXXX, because it is after cutoff the deposit does matter. Even if the XXXX never hard posts usaa only sees available balance which is unfair because they do not do the same for deposits. 

My ledger balance never goes negative however i receive the NSF fees.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently received a copy of my consumer report and I noticed that it XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX is reporting my experience with your company. The line of credit or experience that I have with these companies is characterized as utilization and is being reported on my consumer report. Your company is illegally reporting this experience ( utilization ) on my consumer report. Your company is in clear violation of the law. Pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states that transactions or experiences between the consumer ( ME ) and the person ( YOU ) making the report SHOULD NOT BE INCLUDED on my Consumer Report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) that is making the report. Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not to be included on the consumer reports. You have violated the FCRA 15 U.S. Code 1681a 2A ( i ) by reporting this transaction or experience ( utilization ) on my credit reports which Congress clearly states IS NOT included on my Consumer Reports. You have 10 calendar days to delete all utilization of the above accounts from my consumer report. Failure to respond with deletion of the above utilization will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent non-compliance 3. Civil liability 4. Mental anguish 5. Violation of Fair Credit Reporting Act 15 U.S. Code 1681and 15 U.S. Code 1681n - Civil liability for willful noncompliance
Product: Mortgage

In XX/XX/XXXX my boyfriend and I purchased my current house. Because of my previous credit history, we were required to do an FHA mortgage product. My boyfriend is a non-occupying borrower. My sister lives at the house with me and pays part of the mortgage payment. 
Early XX/XX/XXXX, my sister and I began conversations with XXXX XXXX at the TCF XXXX office. We wanted to get out of the FHA Mortgage and remove my boyfriend from the note ( keep him on title ) and have my sister on Note and title. On XXXX XXXX, XXXX requested bank statements, last 2 year tax returns, last 2 years W2 's and last XXXX paystubs from my sister and I. We emailed the required documents XXXX XXXX. 
XX/XX/XXXX - First phone call with XXXX XXXX at the TCF XXXX, MN office. XXXX informed me he would be taking over the refinance process we started with XXXX at the XXXX office. During this phone call he informed me it would be best to eliminate my sister from the process. I gave XXXX a credit card number for the appraisal. 
Shortly after the XXXX XXXX phone call, in the mail I received a Notice to Loan Applicant from TCF disclosing my credit score from the report that was pulled on XXXX XXXX. Per the Notice my scores were Equifax XXXX, Experian XXXX and XXXX XXXX XXXX. 
My complaint : After two months of back and forth communication with XXXX XXXX at TCF XXXX, MN office I was declined a refinance mortgage loan for reason of " Bankruptcy ''. It was unnecessary for me to pay the {$400.00} for an appraisal when my credit report, pulled on XX/XX/XXXX, would have clearly shown the previous bankruptcy ( and foreclosure ). If TCF operates under strict guidelines then I should have been denied a mortgage loan immediately. Why did they pull another credit report on XX/XX/XXXX? Why was I asked for additional documents after the date of the denial letter? I was never asked to provide any documentation of the bankruptcy ( discharged XX/XX/XXXX ). The customer service I received from XXXX XXXX was horrendous. I was ignored on many occasions and some of XXXX 's comments were rude and unprofessional. I went into this in good faith and was lead on for over 2 months sending numerous, unnecessary personal documents. I feel this was unethical practices by TCF and their employee, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

* The file has surpassed the statutes of limitation that have been placed into law concerning the FCRA.

* XXXX XXXX is deemed as a collection agency that is also govern by the FDCPA.

* The children that are connected to this child support case is above age.

* XXXX XXXX violates the FCRA, and FDCPA therefore is deemed unconstitutional.

* XXXX XXXX XXXX  is a closed acct not active case.
Product: Mortgage

I sold my house that is associated with this Truist HELOC and closed back on XX/XX/XXXX. The closing attorney sent the payoff amount for my HELOC via overnight parcel service to Truist and it was received by them on XX/XX/XXXX. This has been confirmed by several Truist customer service representatives that I have called over the past 7+ weeks.

However, although Truist is in possession of the payoff amount, they have refused to actually apply the received funds to my account and close out the HELOC. I have been subjected to high ongoing interest charges since then and my credit score has suffered because this account appears to be open when it should not be. 

The Truist account reps claim that the interest I've incurred since XX/XX/XXXX will be removed from my account, but how can I trust was they say at this point? I've made one payment since this has happened to avoid appearing delinquent, so how will they make that right? Even if they can fix the interest payments and give me a refund, how will they fix my credit score? I think they are liable for that at this point.
Product: Money transfer, virtual currency, or money service

My Wise Checking Account was deactivated by the company without any reason. I provide all the information that they need and i also requested for a refund as i have XXXX XXXXXXXXUSD in my account i gave them all the details but nothing. Now the company is saying that they refunded my money to my bank account that i gave them while i appeal to review my account again. But i haven't got a single XXXX in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ), I am requesting a proof validation of the debt you say I owe. Also be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Product: Credit reporting or other personal consumer reports

This is my other 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My credit report includes errors under XXXXXXXX XXXX XXXX I did not authorize the hard inquiries listed and request their removal to prevent further damage to my credit.
Product: Credit reporting or other personal consumer reports

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/scrub>/2023 2. I DID NOT AUTHORIZE THIS ACCOUNT AND DONT KNOW THE COMPNAY OR ADRESS. THE PAYMENT HISTORY SAY XXXX DAYS XXXX TIME XXXX BUT XXXX XXXX. THIS IS NOT VALID. 
XXXX Account Number : XXXX REMOVE AND DELETE XXXX. THIS ACCOUNT DOES NOT HAVE ACCURATE INFORMATION AND I DIDNT AUTHORIZE IT. 
PAYMENT HISTORY SAYS DIFFERENT ON EVERY REPORT. LAST PAYMENT SAYS XXXX ON XXXX BUT XXXX ON XXXX. HOW CAN ITBE COLLECTION BUT CHARGEOFF XXXX XXXX Account Number : XXXX DELETE AFTER REINVESTIGATION XXXX. I DID NOT AUTHORIZE XXXX ON MY CREDIT REORT OR KNOW OF THIS. I DONT RECOGNIZE IT. THE OPEN DATE IS DOFFERNT ON EVERY REPORT. The last paymet say XXXX on XXXX BUT XXXX ON TRANSUNION. This is a big ERROR XXXX Account Number : XXXX DELETE AND DELETE XXXX. THIS IS NOT AUTHORIZED BY ME. THE ACCOUNT SAYING CHARGEOFF AND COLLECTION. IT CANT BE BOTH.THE OPEN DATE IS DIFFERENT ON XXXX AND TRANSUION HOW CAN THIS BE. 
XXXX XXXX  Account Number : XXXX DELETE FROM MY REPORT TODAY XXXX. This account is not authorized by me and I DONT KNOW WHO XXXX IS OR HAVE BUSINESS WITH THEM. THE ACCOUNT SAYS COLLECTION AND CHARGEOFF BUT CAN BE BOTH. IF WHY IF THE DATE OPEN DIFFER ON TRANSUNION AND XXXX AND XXXX. ISNT THIS A BIG MISTAKE XXXX Account Number : XXXX PLEASE REINVESTIGATE AND DELETE XXXX. I DIDNOT GIVE PERMISSION OR AUTHORIZE THIS ACCOUNT. PAYMENT HISTORY IS ALSO OFF. 
PAYMENT SCHEDULE SAY XXXX  DAYS LATE XXXX TUMES ON XXXX BUT XXXX  TIMES ON XXXX. IS IT CHARGEOFF OR COLLECTION. THE AACOUNT IS AN ERROR AND DAMAGES MY REPUTATION XXXX XXXX Account Number : XXXX PLEASE DELETEl
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C 5536a1a-b as highlighted in the CFPB recent administration proceeding against the, for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor 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 this account. 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... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2016 Balance : {$8500.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received the following message from Mohela, but they continue to report to all three credit reporting agencies that I still have a balance owed. When I check my account at mohela it shows zero balance. 

Your student loans have been forgiven. 

Please log in to your inbox at mohela.com to view the full message. 

XXXX, Congratulations! The XXXX XXXX has forgiven some or all of your federal student loan ( s ) with MOHELA in full. 

This debt relief was processed as part of the XXXX Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective as of XX/XX/XXXX. 

Log in to your account for details at mohela.com. 

WHAT YOU NEED TO KNOW Here are some important points on this IDR forgiveness : Due to the American Rescue Plan Act of XXXX the balance of your loans that were forgiven is not considered taxable income for federal income tax purposes. Since state and local tax implications will vary, we recommend you contact your tax advisor for more information. 
Not all your federal student loans may be listed in the letter delivered within your account as you may have begun repaying each loan on a different date. If you have federal student loans that are not listed in the letter, please continue to make payments on them. Payments are not required until after the payment pause ends at the end of XXXX. Your first payment will be due in XX/XX/XXXX. To find options to help with repayment, visit studentaid.gov. 
We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. 
If applicable, well process a refund for any payments made towards the loans listed above after the effective date of this forgiveness. 
NOTICE : This letter is NOT an attempt to collect a debt or a demand for any payment. 

BEWARE OF SCAMS You might be contacted by a company saying they will help you get loan discharge, forgiveness, cancellation, or debt relief for a fee. You never have to pay for help with your federal student aid. Make sure you work only with the U.S. Department of Education and their loan servicers ( like us ), and never reveal your personal information or account password to anyone. Our emails come from XXXX or XXXX. Emails that the U.S. Department of Education sends to borrowers come from XXXX, XXXX, or XXXX. You can report scam attempts to the Federal Trade Commission by calling XXXX or by visiting reportfraud.ftc.gov. 

HOW TO CONTACT US For information regarding your student loans and the forgiveness process, please contact us at XXXX, or online at mohela.com. 

Sincerely, MOHELA
Product: Student loan

My company pays a {$150.00} overpayment on my loans directly to Navient. For the last year, I have requested it be directed at my highest interest rate loans. I have been told every time I call, that it is directed that way. Yet every single month it is not. Initially, it was going to my lowest principal/lowest interest loan. I first started calling a year ago. I was able to redirect it at first, but recently I have just been told that it is going to the highest interest rate despite my loan summary/account summary stating otherwise. When asked if they are seeing something different than I am seeing displayed online, there was no explanation and I was told they would send my history in the mail. When I asked again what the discrepancy is, I was just told that they would send it in the mail. I have the authority to direct my overpayment as I choose and Navient continuously is choosing to direct it against my direction in their favor of a lower interest and principal, costing me more money in the long run. I have been exhausted and frustrated from calling every month, so unfortunately numerous months were left incorrect as Navient continues to not correct their errors for future payments. 

Attached are a few examples of my lower interest loans clearly being paid by the overpayments.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i have been trying to get help with deleting these unauthorized inquiries from my credit report that are damaging my credit report.I have sent XXXX and Equifax letters on XX/XX/2020 regarding these inaccurate inquiries they are reporting against me and i have receive any documents to prove otherwise. Please assist me in this matter cause its causing me great stress and disappointment in getting things
Product: Credit reporting or other personal consumer reports

I sent a dispute about my XXXX account status that shows multiple late payments. XXXX bank doesnt respond to me, I have a monthly automatic payment so the payment comes out every month from my account, and the credit bureaus just keep saying they verified its late and refuse to send me validation like they are supposed to according to law from the fair credit act. I want the late payments updated on my report since they have failed 3 times to show me validation and now have made it where I can NoT dispute it anymore.
Product: Credit reporting

On XXXX XXXX, 2016, I paid TransUnion {$1.00} for my credit report. I did not ask for anything else. However, they charged me {$29.00} for a subscription I did not sign up for PLUS a {$19.00} recurring fee.