23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I paid off entire balance ( according to XXXX BANK ). The balance was incorrect. The provided balance was incorrect which I was not aware off. According to the statement XX/XX/XXXX Synchrony Bank applied a credit issued a check an amount of {$470.00} on the address which I no longer reside. I contacted the bank, provided the new address including my new name ( after divorce - attached my divorce decree, legal ID with my new last name ). During the first contact I updated my information with correct my last name and the correct address. Until today - XX/XX/XXXX no check, no explanation. Between this time, I contacted the SYNCHRONY BANK multiple times. All his time the bank teller informed me that the check has been sent... Today, during the last call after I demand confirmation the address the check has been sent the bank teller rude disconnected. This is not acceptable and incredible wrong. If I would own this amount of money, within a few weeks I could get multiple calls from collector an have negative remarks on my credit report. The bank not only would XXXX  payment but interest and penalty. 
Now, I demand from bank not only returning overpayment but interest and paying me for all inconvenience. Bank is taking advantage of my ethnicity and national of origin, language barrier. Please help me to return my money back. After devastating divorce I'm going through hardship, lost mu property, relocating, living with family in OH.
Product: Vehicle loan or lease

Capital One Auto Finance did not have a valid enforceable contract in the State of Maryland, see original contract only valid in Virginia, therefore contract was rescinded timely and properly. 

Capital has failed to return all status quo including title and monies due. Moreover Capital One Auto Finance has commenced to continue to defame my character, financial face and status to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1691 - Scope of prohibition- It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Keyword : ANY I was discriminated against based on my credit report/reputation.

Also Pursuant to 15 U.S. Code 1602 ( p ) - Definitions and rules of construction. The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. The credit card being my social security was used by Affirm ( person ) and I the cardholder received no benefit.

Affirm has already confirmed through email that they in fact did deny me my right to credit. Affirm shall pay fines for said violations including 15 U.S. Code 1681n - Civil liability for willful noncompliance. {$1000.00} per violation invoice will be sent by mail via USPS with a tracking number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, SC XXXX asking them to validate this alleged debt and they did not respond.
Product: Credit reporting

Equifax removed the historical account and did not remove the historical late payments codes, they also state that the account is {$380.00} past due when it is not i have attached a statement. its clear they 're not verifying correctly.
Product: Debt collection

I received a debt from Convergent Outsourcing in XXXX WA XXXX from a XXXX. I called the collection agency to report this as fraud and the CSR starting asking for my Social security number. I told her I want to report this as fraud because I have not had a XXXX. Can I please report this as fraud and she continue to ask me if I know someone or allowed someone to use my information, NO Why would I do that! I continued to inform her I would like to report this as fraud and she hung on me. I would like to report this company along with XXXX for fraud. I do not owe XXXX and I do not owe Convergent. I feel harassed by both companies. Can you please fix this?
Product: Student loan

My Student Loan is with XXXX The principle balance is {$83000.00}. The loan went into default and the debt was sent to Performant for collection purposes. I explained to Performant and to XXXX PHEAA that I submitted paperwork for Income Based Payment Reduction. It was an error as this was paperwork I filed for my other Federal Student loans, which I received economic payment reduction approval for. I asked if there was anyway to submit the paperwork for this and the answer was no. The ONLY option I had to rehabilitate my loan was to pay Performant their collection fees plus interest. 
When I finally sat down to sign the letter to do so, I read that the max amount the can collect is XXXX %. The paperwork I received is calculated at XXXX %. I asked for them to correct the paperwork with a resounding NO from them. I have already made 3 payments to their rehab program for a 9 month plan. They tell me it is not counted toward rehab unless I sign these inaccurate documents. I had at one time suggested that I pay off the loan to see what they would negotiate. They failed to tell me that if I paid off the loan that my credit would continue to show the loan in default for the next 7 years. I believe that I am a fairly intelligent person who due to various circumstances holds student loans longer than planned. That being said, I do not believe this collector is behaving in a way that is honest and fair to the public. XXXX should also be held responsible as I was told they were the main driving force behind these ridiculous fees. To just enter the rehab program my principle balance will go from {$83000.00} to their {$100000.00} XXXX is a private company seeking the best interest of their investors but that does not mean we should be treated this way.
Product: Money transfer, virtual currency, or money service

In brief, my wife was taken in by a group that went through a lot of trouble to make her believe she was being interviewed by the hiring manager of a real company and had subsequently been hired. Throughout the process, they provided her with a check to deposit which was to be used to purchase supplies needed for the job. The check ended up being fake but before we realized it, before it bounced, the hiring agent had my wife make purchases with " vendors '' they work with using XXXX and XXXX accounts. The check bounced and the bank ( USAA ) refused to put a hold on the money that was transferred out. They now expect me to come up with the {$4900.00} to XXXX  out my savings account. 
I have lots of evidence ( screenshots and the like ) of how this fraud was committed. The timeline and our actions demonstrate that we were the ones who were taken advantage of. For the bank to allow these scam artists to keep the money, when they can reverse or stop the transaction, I believe makes them culpable in the fraud. If I had written someone a bad check I would be punished. In this instance, we were given a bad check and we are being punished. Where is the justice?
Product: Credit card or prepaid card

I was making a purchase online with a store credit card that I have had for about five years. The purchase was for two items that amounted to XXXX-XXXX XXXX dollars. I have a credit limit of {$1200.00}. I had no balance at the, I had tried to make a purchase in XX/XX/XXXX and XX/XX/XXXX. I was directed to contact customer service, and I did. The rep for the company told me that because I had not purchased anything for so many months they had to do credit check etc. Ten days later, They sent a message that They closed my account.I have never been late with this bank, and have two store credit cards with this bank and with had no balance due to them with credit amounts of {$1200.00} and XXXX. They closed my account in XX/XX/XXXX. Then on XX/XX/XXXX the company sent me a letter that read that I requested to have my account closed, which is absolutely false. They closed the account, and when I spoke to a rep. at this company, they seen I was having a sever hardship with other accounts, due to my Mother, Father, and Father in laws, XXXX  that Happened within an eight month period. They all were XXXX of different horrible, debilitating XXXX  and all needed help while they were XXXX.I had no balance or owed any money to this bank, so I did not request to close my account, and when I sent a letter to the company about this situation, they sent this bogus false letter of my request to close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax you want to claim this account as verification under the law XXXX law school Verification Definition A declaration Swearing that statement s made in a document are TRUE. { you don't know it they are true } Depending on the jurisdiction, verifications are either made under oath { IT WAS not } or in the presence of a Notary republic or similarly authorized person { judge, court it was not } verification are traditional attached to the end of all Pleadings that are required to be SWORN THIS IS REAL LAW OVER CONSUMER LAW, the violations on that account that you state are accurate you need to look at what you are reporting because it is fraud on your part remove this account show your Notary letter or court order my next time I have to dispute this will be in court for your fraud reporting I see you there
Product: Credit card or prepaid card

I once owned a credit card from PNC Bank and submitted a lost or stolen card claim. The sent me a new card, but the lost or stolen card showed on my credit report for many months. I continued to pay all payments on the new card. I had not received any notification from PNC that I had an outstanding balance on the lost or stolen card. Then in XX/XX/XXXX, I called to inquire why I received a negative report from PNC, only to learn that the old card still had charges of over {$100.00}, which had not been transferred to the new replacement card. I paid what they claimed was owed on the old card then. My credit report for this card shows all payments on time from XX/XX/XXXX until XX/XX/XXXX, when they reported a 30-day late payment that negatively impacted my credit score. I have disputed this claim with credit reporting agencies and tried unsuccessfully to get PNC to remove this late payment they are reporting to all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a XXXX account today XX/XX/20 just to keep track of my credit since I am planning on refinancing my car this year but I saw that there were two collection accounts and a lot of inquiries that I never opened. I have reason to believe that these accounts/inquiries belong to my father XXXX XXXX XXXX because this happened in the past since we have the same name. I did not allow these accounts to be opened in my name and did I benefit anything from these accounts nor did I ever allow these companies to run/access my credit information. I filed a police report regarding these suspicious accounts/inquiries.
Product: Credit reporting or other personal consumer reports

Experian is reporting duplicate accounts for XXXX XXXX which dropped my credit score by XXXX points on XX/XX/XXXX. 

Credit Reporting Agencies are held accountable for reporting inaccurate information that has negatively affected my credit score drastically. 

Experian is allowing XXXX XXXX to report the same debt with the exact company twice on my credit report. The account has been reporting in my credit report since XXXX. 

Experian has listed the account as newly opened. This type of behavior is unacceptable. This misconduct has caused loss of credit opportunities. 

Thank you
Product: Debt collection

Opened XX/XX/2020 ( {$370.00} ) I reached out to both the creditor and also the credit bureau 's about this issue.
Product: Debt collection

Hello, alleged creditor " Self '' is reporting an account to my consumer report that was not authorized by me. I have never done business with this alleged creditor. I have no knowledge of this alleged debt, I do not consent for this alleged creditor to house, share, or benefit from my public/private information in any way. I dispute the validity of this alleged debt. Please provide proper 10 proof verification per FCRA and FDCPA federal reporting guidelines for proper validation of this alleged debt. Please provide me with an audit trail and the original signed contract. Please cease and desist any/all communication with me and my personal information I do not consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple missed student loan payments on my credit report from previous years back that I was not aware of. I never received any information about paying my students loans. The history even shows scattered months on on time payments and then months where the account was past due for 30-90+ days. Im not sure when I started being held accountable for these payments. Once it was brought to my attention for the first time I immediately contacted the company for deferment due to me not being able to afford these payments at the time.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter serves as a formal dispute regarding the grossly inaccurate reporting of account # XXXX. Specifically : The account reflects a 30-day late payment for XX/XX/XXXX on Experian and XXXX, yet XX/XX/XXXX on XXXX. This blatant contradiction is impossible and indicative of negligent reporting. 
The " date last reported '' is also inconsistent : XX/XX/XXXXXXXX  on Experian and XXXX but XX/XX/XXXXXXXX  on XXXX. 
These discrepancies are not only erroneous, but they are actively damaging my credit score and impeding my ability to obtain credit. The lack of consistency violates your obligations under FCRA 611 ( 15 U.S. Code 1681i ) and raises serious concerns about the integrity of your investigation processes. 

Additionally, I direct your attention to the recent CFPB lawsuit against Experian for its inadequate investigations and systemic non-compliance. Let this letter serve as notice : failure to conduct a proper and lawful reinvestigation may subject your agency to legal action, including claims for negligence, defamation, and willful non-compliance under the FCRA. 

I demand the following actions immediately : A thorough reinvestigation of the late payment, including verifiable documentation proving its accuracy. 
A correction of all inconsistencies in reporting across Experian, XXXX, and XXXX. 
An updated credit report reflecting " paid on time '' if the information can not be verified. 
This matter is urgent. Under FCRA 611 ( a ) ( 1 ) ( A ), you are legally obligated to respond within 30 days. Failure to address these violations satisfactorily will leave me with no choice but to escalate this matter through litigation, regulatory complaints, and all other available remedies. 

I expect prompt action and full compliance. Do not underestimate the seriousness of this issue.
Product: Mortgage

I was approved for assistance by XXXX for 18 months. But, my mortgage and property insurance have yet to be paid since I have been approved back in XX/XX/2022. This is due to the mortgage vendor changing to Fay Servicing , LLC. I have already called and emailed HAF multiple times, but there been no changes or updates for 4+ weeks.I 'm unsure to why the property insurance is not getting paid. I submitted the correct info for that document.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

I do not owe this. I never had a utility bill at any address
Product: Credit reporting or other personal consumer reports

Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW 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.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : MACY'S/DSNB XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please CFPB forward the following documents to Citi Bank. Thank you! Please Citi Bank, make a real investigation, and help me fix this issue as soon as possible, soI can buy my house. Thank you!
Product: Credit card

I tried reporting my credit card as stolen in the year of XXXX because of unauthorized charges that were located in my account. Also disputed with XXXX and nothing was resolved. 
On XX/XX/XXXX of XXXX I noticed that there was a fee of XXXX and there was no purchase made by me at the time, I paid it off on XX/XX/XXXX of XXXX. 
On XX/XX/XXXX and XX/XX/XXXX of XXXX there was an unrecognized charge on my account and I was charged a {$40.00} late fee in XXXX and XXXX. 
Then in XXXX of XXXX is when I noticed my card was lost and that made me realize that those were unauthorized charges located on my account. 
I dont remember the exact date or month but I did attempt to report my card as stolen on the Chase app but nothing happened and I also disputed with XXXX and nothing happened as well and I was steady getting charged late fees until my account was closed. 
Then in XXXX of XXXX it hit my account as a charge off.
Product: Credit reporting or other personal consumer reports

Hello and good day, my right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I couldn't believe it when I saw inaccurate accounts on my credit report this morning. I check it often, and its never had these discrepancies before. Hoping it was a glitch, I refreshed my browser, but the incorrect accounts remained. Its incredibly frustrating, and Im asking for a detailed review of my submitted documents so I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX XXXX, have fraudulent accounts on my credit profile that needs to be removed immediately.
Product: Debt collection

Debt placed for collection on  XXXX / XXXX /  XXXX  . After multiple attempts to verify debt, nothing was ever sent or reported to me. I have also discovered this company is NOT licensed to collect debts in the state of North Carolina as required.
Product: Mortgage

A request was sent to Nationstar XXXX 2015 for a partial release for my account ending in XXXX, which included a {$250.00} refundable partial release request fee. There was additional documents requested by Nationstar for me to submit which was not submitted in a timely fashion. However, at no point in time did Nationstar provide a denial letter for the partial release request nor did they send us the {$250.00} cashiers check submitted with the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer recently sent in letters of unauthorized false invalidated information on my credit report and hasnt been sent back my investigation as of yet.