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

I had student loans I had in XXXX. These loans have been put on my reports under different names and removed for more than 10 years. I have let each credit bureau know that these same loans keep getting put in my report under different names. Now they are under the name of XXXX XXXXXXXX XXXX ( XXXX ) and XXXX, XXXX, and also Transunion will not remove them. They have been disputed over 15 times and have been paid off. This account should be removed because it has been removed under every other name. The account is over XXXX XXXX XXXX. These accounts are 4 accounts on each report and have been paid off and should have been removed years ago. Loans originated in XXXX and went into collections in XXXX. I have disputed this with the credit bureaus and XXXX  XXXX XXXX for the past 5 years with no resolution. 


Also on Transunion there is an account called XXXX XXXX that has appeared on reports multiple times under different names that has been removed by all of the credit bureaus and Transunion is the only bureau that hasnt removed it. It is for {$180.00}
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXXXXXX 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

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agencies, 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 charge account opened at XXXX on XX/XX/XXXX under the account number XXXX  and an auto loan account opened at XXXX opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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: Debt collection

I am very sorry, that I was unable to fulfill my obligation to the original creditor for credit. If the original creditor is not seeking their money I do not believe that a, third-party fourth party, fifth party, should have the ability to collect money that the original creditor has already written that loan off. I dont understand whos getting the money the collection agency with no skin in the game or the original creditor that doesnt want it because XXXX write it off on their Texas. All Im asking for is to remove this collection from my credit report.The account was closed on XX/XX/2020. Charged off account : Account closed by credit grantor Amount was XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts XXXX involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.
Product: Credit card

I have had my account with my LOWES credit card for many years without issue. I set up recurring payments and paid on time. 

Last summer I got a new bank account and switched my recurring payments to the new account. For some reason lowes ONLINE account reverted to the old account and XXXX payment bounced back from my bank as INSUFFICIENT. I noticed it did not come out of my NEW account and fixed it within about one week. I called Lowes and they refunded the late fee due to it being some sort of error and the REPRESENTATIVE said they would DELETE THE OTHER ACCOUNT. Then apparently did not. 

On XXXX XXXX I noticed that the {$200.00} payment did not come out of the bank account so I checked it online. It was returned so I immediately paid it. I checked and it was attached to the CLOSED bank account that they were suppose to delete so I PERSONALLY deleted the account. 

Lowes Synchrony Bank PERMANENTLY CLOSED my credit account over this. This was due to system and/or representative error. I never received notice that they would close it. I called and they will not re-open stating that it is their 'policy '. 

I want my card re-opened and my credit report to reflect no wrongdoing on my end.
Product: Mortgage

I originally received my mortgage loan from XXXX XXXX XXXX in XX/XX/XXXX and I felt they were great. I did run into some hardships with them and was late on a few payments in XXXX but with there patients I got caught up in XXXX. In XXXX they sold my loan to Penny Mac. Penny Mac has been nothing short of fraudulent since then. 

In the months of XX/XX/XXXX, Penny Mac, my loan provider waited until after the due date of XX/XX/XXXX to process my payment and charged me a fee of approximately {$100.00}. On XX/XX/XXXX and XXXX the payment line of Penny Mac was down and I could not make a payment until the XXXX and they charged me another late fee of approximately {$100.00}. I called several times after that only to enter a phone tree in which I could never talk to anyone. When I finally talked to someone they said they would wave the fees in which they never have. I have called several times and Penny Mac representatives said they would wave the fee but they never have. 
In late XXXX I noticed an additional fee under other fees which was approximately XXXX dollars but continued to go up every month. I called several times to ask what it was for and never really got a good answer. Today, I opened my latest bill and the " Other Fees '' had reached {$24.00} so I called Penny Mac. The Penny Mac representative said the fee was because my Mortgage was delinquent from the XXXX incident described above and I would have to pay this fee to " have someone come to my house to make sure someone was still living there FOR THE LIFE OF THE LOAN ''. This is clear Fraud as no one has stopped by my house to make sure I am present. This is clearly Fraud because I was never late on my loan with Penny Mac.
Product: Credit reporting or other personal consumer reports

I disputed a collection acct that was placed in my credit file on Monday, XX/XX/XXXX. I disputed it immediately because the collection company never notified me of this debt after speaking with them on Wednesday the XXXX. XXXX they told me I must pay the account for them to delete it. The original creditor XXXX cable owed me money. I never owed XXXX because they were overpaid. I had close the account and canceled services. XX/XX/XXXX were still taking payments out of my auto pay in XXXX and XX/XX/XXXX I demanded them to stop, they wait two months and never picked up the equipment and then bill me for the equipment a total of {$1800.00}, I returned the equipment at a mobile store of XXXX was given a receipt of return in XX/XX/XXXX. I was told at that point by XXXX customer service that my bill would be reduced to XXXX and I actually would be credited $ XXXX a payment that was not due to be paid, XXXX cleared the bill down to XXXX and then subsequently that started billing me again even though I was not an account holder I discussed this with the collections company I systems who told me that if I paid it, they would remove it from my credit file and send a letter to delete I had disputed this with Experian two days prior within three days they returned an investigation saying that they verify the information is correct. They never sent me any information on what they retrieved a violation of my credit act. They are required to not only investigated, but they are required to retrieve the information that was verified and send all of it to me, which theyve not done, they actually contacted. They wouldve known that the account was already paid off and settled. I am suing. XXXX and I filed a complaint with the attorney generals office in the state of Pennsylvania for having chased was never owed and Im filing for damages and damage the reputation of my otherwise pristine excellent credit. My prior score was XXXX and it dropped XXXX points because of this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX  Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

On XX/XX/2024, I received a letter in the mail trying to collect a debt I allegedly owed. I called the debt collector, IQ Data International, and spoke with XXXX XXXX on a recorded line. XXXX XXXX repeatedly told me that my dispute with the debt was just " how I feel '' and that the charges against me were valid. I told him that I disputed the validity of the charges and told him why. He repeatedly shouted, talked over me, and did not listen to my statements. He implicitly represented that he knew the law and through an omission attempted to indicate that he was an attorney. This is a violation of 12 CFR 1006.18 ( b ) ( 2 ). He also openly mocked me on the recorded line. Please investigate him and his company for abusive and deceptive practices. 

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account twice. The entry appears as XX/XX/XXXX, then again as a collection in the entry XXXX XXXX XXXX. I have disputed these entries directly with Experian and the correction has not been made. Experian is violating the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by duplicating these entries.
Product: Debt collection

My complaint is about the bill from XXXX XXXX XXXX. XXXX XXXX XXXX defaulted on our agreement. XXXX XXXX XXXX did not provide the service that I was charged for and the claim should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX  Balance : {$6300.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX , Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX or XXXX XXXX XXXX XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

I am in excellent standing with my card in payments and have never paid my bill late. 
The last few weeks ( XXXX XXXX, XXXX to present ) when I have tried using my card it is declined due to the expiration date. My card does not expire until XXXX. 
This has happened paying for my insurance over the phone, on XXXX XXXX, and several other vendors online.

I have called UMB Visa over and over to get this fixed and all they have done is give excuses telling me : You are entering the wrong expiration date, its only with XXXX XXXX, its a problem with your device, etc. etc. 
This can not be true as I have used phone payment, XXXX XXXX, and several other vendors were declined. 
Previously, many months ago, this same Visa cancelled my card for absolutely no reason, verified by my bank, who phoned them to straighten it out, she actually listened to our phone recording proving they were absolutely not suppose to cancel my current card number at the time. It was purely fraudulent behavior by UMB Visa.

They are dishonest and need to be held accountable for their fraud and horrible illegal treatment and hassling of innocent hard working people. 
I believe I am being hassled for paying my balance every month and earning many points they have to pay me for. 
I want them counseled and I want my card situation fixed with no further hassles for me. I do not have time to deal with them every other month. They should not be allowed to continue this fraud.
Product: Credit card or prepaid card

I am an XXXX-American senior citizen who does not use the Internet. In fact, I have asked my son to help me file this complaint in this public forum. CapitalOne has been snail-mailing my statements late or not at all, then charging me $ XXXX/monthly late fees, for years, even though they acknowledge my payments arrive on or before the due dates. They say they're processing them after the due date, thus requiring them to charge me these exorbitant fees. Since the inception of the card, I've been charged {$2000.00} in these fees ; ironically, my current balance is {$1900.00}. My son discovered this XXXX, duplicitous practice that exploits those like me who mail in check payments. To add insult to injury, they also refuse to lower my interest rate, which hovers above 20 %, even though I have a credit score in the high 700s. Do not do business with CapitalOne.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. XXXX5 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Bank account or service

My brother died on XX/XX/XXXX. I am the personal representative for his estate. My brother had a Capital One 360 savings account. Once I had Letters Testamentary from the MN court, I called Capital One and followed up with a letter to close his account and have the proceeds sent to me. The letter was dated XX/XX/XXXX. I received and deposited the check they sent me for the full amount of his savings account on XX/XX/XXXX. Now, my brother has been contacted ( at my address ) to verify his account or he will start getting paper statements again. On a closed account. With XXXX balance. Geniuses.
Product: Mortgage

Applied for a mortgage with rocket mortgage by quicken loans to purchase a home on XX/XX/2019. 

Was extremely upfront and honest about what i was looking to achieve ( purchasing a duplex ) and spoke with XXXX XXXX, XXXX XXXX, XXXX XXXX. 

After pulling my credit, seeing that i wanted to put 25 % down as well as more than enough in reserves as well as an income to support it, everyone ( including the underwriter ) stated this would be an easy and quick loan to get done and wouldn't have any problem financing this property. 

After two months of getting pre-qualified, getting pre-approval and conditional approved as well as setting up the appraisal, inspection, receiving estimated closing costs etc i thought it was going great. I stopped talking to other lenders, took time off work to Then, 7 days until closing ( XX/XX/XXXX ) i get a call stating they wont be financing me anymore for this property. I asked multiple times as for the reasons why only to be told vague answers that the company doesn't want to move forward on this. XXXX XXXX would not tell me any reasons as to why i was declined so i have no idea what to fix or if there was something wrong. 

This process has caused me much stress, anxiety, ive have to taken off work to get either fax, email or submit documents, attend inspection and appraisal etc. 

All I'm looking for is why i was declined when they stated i had great credit, DTI ratio, more than enough in reserves and an above median income.
Product: Debt collection

Put out of business and into jail for harrasments, threats, calls all hours and day and night, not our debt, holidays, terrorists, etc. The collection agency is FBSC Collection Agency/Financial Business and Consumer Solutions/XXXX. Also under names of XXXX or FBCS or XXXX or XXXX or XXXX or XXXX. Website is XXXX. Always changing their address and hiding their real names to avoid the law and prosecutions. Located in XXXX PA and MD and XXXX XXXX XXXX NJ at XXXX or XXXX or XXXX or XXXX or XXXX always harrassments day or nite or holidays and threats and more. Put out of business and into jail NOW!!
Product: Credit card

I attempted to login to my Prosper account on the app to make an additional payment. When I accessed the first page of the app, it advised me I needed to change my password for security purposes, I clicked continue and then received a pop up WE ARE CHANGING YOUR LOGIN EMAIL TO XXXX. This email was NEVER provided to Prosper by me and has not been used in years! When I called Customer service I got the runaround, the lady kept telling me to login with my old email, the one that should be on the account, which I attempted, when I logged in, it stated " I am sorry you do not have an account with us " The rep kept telling me to log in and out over and over, with no better results. I am not able to login to my account at all, unable to make payments or even view my account, when questioned how they have an old email for me that was never provided to them, she would not even answer, I asked if my account was hacked, she then told me this is happening because of a migration, she was rude and would not fix my issue. I am still unable to access my account, I was told this would be escalated and " not to worry ''. I am trying to make a payment but I am unable to even access my account nor see any activity on this account. NO COMPANY should be able to randomly change your email to something else and then let you sit there without concern, not answer questions and brush you off.