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

Misleading information on title loans. Predatory Loans provided in a state " WA '' that has laws that prohibited XXXX terms and interest percentage caps. Reported a different larger amount barrowed and loan month terms to credit bureaus at 36 months. When. Was told it was 30 day loan. Disputed with credit bureau 's and was awarded it to be closed and removed. Then they reopened it and reported it to the credit bureau 's That I made payment. And it was delinquent or late and owed {$20000.00} plus to the credit report. Shortly after closing account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian nine times ( 9 ) over the accuracy of information, third party XXXX XXXX and the Low Ball credit scores. I have repeated told Experian that I am NOT XXXX XXXX. Experian have repeatedly shown biasness in its assessment of information sharing. IT appears that Experian have not learned anything from its past Class Action Law Suit!!!!!!!
Product: Debt collection

I am writing to address an issue on my credit record. I have observed a collection entry from your agency that has come to my attention, as I was not previously informed about this collection. I have reservations about the accuracy of the debt being asserted. Under the Fair Debt Collection Act, I possess the right to request validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take the requisite steps to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the hospital in the XXXX from XX/XX/XXXX to XXXX XXXX a XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX due to XXXX. I was not alert or oriented except for the last two days of my hospital stay, I was XXXX and in a XXXX. My husband who has never paid the mortgage never thought about XX/XX/XXXX mortgage because at the time they were not sure if I was going to live or die and he has never paid the mortgage. 

However, on XX/XX/XXXX he called in to make the XXXX payment at the advisement of our children and found out that he needed to make XXXX 's payment as well. He made both payments that day. 

XXXX XXXX  hit both of our credit reports with a 30 day late mortgage. Once I found that out I contacted XXXX XXXX in XXXX of XXXX and got up to the supervisor of the call center, She pulled the tape recording of my husband calling in on the XXXX, and said since he did not tell her I was in the hospital with XXXX  at that time they can not change our credit report. They did not ask my husband why the payment was late either. My husband didn ; t know he needed to tell the bank I was in a XXXX XXXX XXXX due to XXXX. If he had known that they needed that information he would have given them that information. I was so upset because she said that had he told the call center at the time it wouldn't have gone on our report but because he did not they will not remove it. 

I was vaccinated and boosted and still ended up with XXXX, XXXX XXXX, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have XXXX children and 5 dogs that my husband was trying to balance with the real possibility that I was going to die. 

We had a significant reduction in our credit scores because of this reporting. We are trying to refinance our home to use some of the equity because I could not work for several months, and just now I am back to work and working up to full-time. My husband served our country in the XXXX for 30 years and this is how we are treated? If he told them when he called in XX/XX/XXXX they would not have put it on our credit report but since he did not they will not change it. I have a full medical report to go with statement of XXXX and XXXX and XXXX XXXX. I also had XXXX..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting another CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I need the following items removed from my Credit File : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$9600.00}. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.
Product: Credit card or prepaid card

When i try to credit my american express blue cash credit card and other american express cards with my rewards dollars the reward dollar site page does not let me credit my account. Only when i call american express and complain they fix the problem right away and i can then credit my account. This happens about 50 % of the time i try to use my rewards dollars to credit my bill. I believe this is done to frustrate the card holder from requesting reward dollars credit. This occurred again today X/X/17. I am sure this is a common practice with american express card holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have sent an initial letter stating to validate the debt. They did not respond in the 30-day follow-up. I sent a second letter to validate the debt giving them a 15-day follow-up permitted by law and they have failed to respond and validate which means the debt is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Sent letters out to all 3 credit bureaus. Its been over 30 days for them to investigate this matter. This information on my consumer reports is hurting my credibility and my lively hood. 

If I have to wait longer please inform all 3 credit bureaus to do a proper Investigation according to the FCRA a proper " investigation '' The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to remove two unvalidated debts from my credit report, despite clear evidence that these debts were not properly validated by the collection agency XXXX XXXX XXXX XXXX. This failure violates the Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX ( a ) ), which mandates the removal of unverifiable, inaccurate, or incomplete information from consumer credit reports.

Details of the Complaint Unvalidated Debts on My Credit Report : The debts in question are tied to XXXX XXXX XXXXXXXX with the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$4400.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$4900.00} ) These accounts were previously managed by XXXX XXXX XXXX XXXX, which failed to validate them after I submitted a formal validation request. 
Actions Taken with XXXX XXXX XXXX XXXX : On XX/XX/year>, I sent a certified letter to XXXX XXXX XXXX XXXX requesting validation of the debts. 
On XX/XX/year>, XXXX XXXX responded, admitting they could not validate the debts because the accounts were no longer assigned to them. 
TransUnions Failure to Remove the Debts : Despite this clear lack of validation, TransUnion has allowed these unverifiable accounts to remain on my credit report. 
This constitutes a violation of the FCRA ( 15 U.S.C. 1681i ( a ) ), which requires credit reporting agencies to remove unverifiable information.

Negative Impact on My Creditworthiness : The presence of these unvalidated debts on my TransUnion credit report has caused harm to my credit score, affecting my ability to obtain credit on fair terms.

Relevant Legal Arguments FDCPA ( 15 U.S.C. 1692g ) : Debt collectors are required to validate debts upon a consumers request. XXXX XXXX failed to fulfill this obligation, rendering the debts invalid. 
FCRA ( 15 U.S.C. 1681i ( a ) ) : Credit reporting agencies are required to remove unverifiable, inaccurate, or incomplete information from consumer credit reports. TransUnion has failed to comply with this requirement.

Continuous Dispute Rights : When a debt is transferred to a new collector, that collector must validate the debt before attempting to collect or report it. XXXX XXXX failure to validate these debts while managing them renders them invalid and unreportable. 
TransUnion has failed to comply with its obligations under the FCRA by allowing unvalidated debts to remain on my credit report. This negligence has caused harm to my creditworthiness and financial well-being. I request immediate action to ensure these accounts are removed from my credit report and that TransUnion is held accountable for its noncompliance. 

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

On XX/XX/2018 XXXX I reported identity theft to my local police department due to inquiries that were not made by me I submit it to all 3 credit bureaus and only XXXX handled my problem and erased fraudulent inquiries Equifax and XXXX did investigation and did not make any changes.
Product: Mortgage

Freedom Mortgage mailed me an offer to lower my interest rate at no cost. When I talk to the rep he reiterated that it was no cost to me. I received the forms to sign via online and discovered that they are charging interest rate reduction points of over {$2000.00} and including it in my mortgage balance. They pressed me to hurry and sign the forms that would lock me into the obligation. It is very deceptive. NO COST is a lie. They wasted my time and trust. This needs to be address before someone believes them and signs without really looking at what is on the forms. It can be confusing. Please make them stop.
Product: Debt collection

They repeatedly call sometimes more than 5 times a day even if Ive already spoken with someone. They are calling my family members including my ex husband multiple times a month. When I have confronted them about this they say that I put my family members down as a reference which would Have never done. Especially would not have put down my ex husband. They are liars and are too aggressive. I have told them repeatedly that I will pay the debt when I can. I have taken many of their calls so they know how to reach me.
Product: Student loan

I have attempted to use IBR to payback loans through UHEAA and I have been unable to access my XXXX loan servicing. Each time I attempt to contact them when the loan is due they have a reason for why I can not access the system. 

I have worked publicly, very publicly, for the XXXX XXXX since XX/XX/2011. I have been unable to actually receive just compensation for my time and ideas. I have served this country in various offices across the land. I do not think it is fair that because I have had some XXXX XXXX breakdowns due to the sheer magnitude of this countries problems that my law school debt has increased almost XXXX. 

It was my assumption under FCRA guidelines that loans are to be forgiven for inaccuracies and health conditions. I do not owe UHEA or XXXX anything because I am XXXX XXXX. An actual XXXX   of this country and this land. I should have never had to pay a dime. 

It is not my fault that XXXX XXXX XXXX and all those connected to him are trash individuals that refused to properly obey the law or respect women. I should not be associated with them and their past violent acts against women. It is categorically unfair to be named a XXXX. and still be responsible for the sins of forefathers you have never really met, nor wanted to meet.
Product: Credit card

On XXXX XXXX, 2015 I received a bill of {$60.00} from Macy 's American express account. I informed the company the charge was fraudulent. I filled out a statement of fraud letter and mailed this to the company. I then received three calls a day from the collections department regarding non-payment. I informed them the charges were fraudulent and I should not be held responsible. The current date is XXXX 2015 and I continue to receive calls from the collections department.
Product: Student loan

I have 2 loans ( 1 subsidized & 1 not ) totaling approximately {$50000.00} with Goal but served by AES. The loan started in XX/XX/XXXX with a fixed rate of 6.625 % and 25 year term. For approximately the past 13 years I have been paying a {$300.00} monthly payment calculated and approved by the lender.

In XX/XX/XXXX, the lender increased my monthly payment by approximately 40 % to {$500.00}. I was advised that the lender miscalculated the monthly payment. These loans have never been in deferment or forbearance. Additionally, I have been paying primarily interest only on the balance that has barely decreased.
Product: Student loan

I opened a loan with Navient on XX/XX/year> amount of XXXX with a co- signer. The co-signer is deceased. 

The processing fees were extremely high-totals {$420.00} on the same day of XX/XX/year>. They also reported a late fee in XXXX In which I wasnt. It shows in the records. 

They practiced Predatory lending- It took 16 years to pay off {$4500.00}. My payments varied $ XXXX monthly. I estimated {$13000.00} in what I paid. 

I remember in XXXX  calling and asking for a forbearance or payment plan. I was told by a rep that Private loans do not offer such. 

I also complain about the staff that set up over a 16 year period of repayment. They told me the XXXX that set up this payment plan was fired but they did nothing to rectify my situation. 

However- I recently paid off this loan but asking if I could be refunded at least {$4500.00} since I paid Navient twice. 

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

Wrong socials on my report disputed Wrong address disputed Wrong names on my report disputed Wrong cell phone and phone numbers on my report disputed accounts I know nothing about on my report disputed with all three agencies this has had a adverse effect on my credit report causing me emotional and financial hardship for over 20 years.
Product: Credit card or prepaid card

I was notified in XX/XX/2018 that the bank was increasing my interest rate from 14.24 % to 16.99 % arbitrarily and if I did not wish to continue using my card and pay the higher interest rate I would have to close the account which I did on XX/XX/2018 keeping my rate at 14.24 % and I received a letter dated XX/XX/2018 confirming this. Preparing my taxes this year I noticed the bank had been increasing my interest rates which now stands at 15.24 %. Their customer service rep states I didn't close my account until XX/XX/2018 not notifying them timely therefore they could charge higher interest now.
Product: Money transfer, virtual currency, or money service

I wanted to close a credit card I got from VENMO. There were 2 charges I didnt recognize so they advised me to label them as fraud, which I did. It turned out that 2 payments I regularly make to my DIL were the charges I didnt recognize since I make them directly thru VENMO , not on the VENMO credit card. ( They obviously did not list her as the payee, ) I only found out the payment was to her when VENMO charged her with fraud. I have responded to VENMO repeatedly that it was a mistake and there was no fraud. I have since paid her in full thru a bank transfer and VENMO has reinstated her account privileges. They have NOT reinstated mine and, in fact, are saying that I owe THEM the money. I do NOT. They did not pay any monies out. My VENMO account is still frozen and they are insisting that I pay them XXXX to put my account right. This is affecting my hitherto perfect credit score. I have written them repeatedly and had long phone conversations explaining what happened. I think the problem is exacerbated by their lack of human representatives. 
Can you help me?
Product: Checking or savings account

XX/XX/21 my parents called me that they received checks in the mail for TD Bank. I no longer live at that address and did not open an account or order checks with TD. I ahve never had an account there. I have contacted TD Bank and they assured me that their fraud department would close the account and investigate it but that I still needed to report it.
Product: Mortgage

My office represented the borrower in a foreclosure case in XXXX XXXX Court. The borrower changed attorneys and we no longer represent her. However, my office still receives mortgage statements for the borrower. The statements lists the borrower 's name but my office 's mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent unauthorized inquiries reporting on my credit report.
Product: Vehicle loan or lease

I was given a subprime auto loan by Santander with a 24 % interest rate. I am now paying more towards the principal than I am for the car! Santander uses an internal score to approve customers. I did not know about this score and it is misleading to consumers because you are left with thinking that Santander is your only option.
Product: Checking or savings account

On XX/XX/2023, I expected a direct deposit of XXXX to hit my checking account as part of my regular pay schedule. When the funds did not appear in my account by [ date ], I contacted the bank 's customer service to inquire about the delay. I was told that they had not yet received the check but would release the funds immediately upon receipt. 

I waited until XX/XX/2023, around XXXX XXXX CST, and when the funds were still not available, I contacted customer service again. At this point, they repeated the same information and offered no further assistance or explanation for the delay. 

This has caused significant financial hardship as I have pending bills and financial commitments that are now at risk due to this unexplained delay. The bank 's Electronic Funds Transfer Disclosure states that any direct deposits received in my name would be processed immediately, but this has not been the case
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavitis to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX was hired by me to dispute a charge off with ally financial on my XXXX report. It is not almost 60 days later and no response to the letter requesting that debt be removed. It is not mine it is my ex husbands debt XXXX and XXXX have removed it easily. 
XXXX XXXX stayed both experian and ally financial were contacted and still not response. I have found ally financial to have handled the entire situation fraudently as the way it is reported is incorrect as well, they have not validated the debt despite repeated attempts. 
Anyhow the debt is required to be removed by experian according to FCRA due to ally ignoring the investigation and it still has not been done. 
My right to buy a home is altered by this company lack of efficiency with handling the matter as the continued disregard to remove keeps going on. Ally did not respond so remove it!! 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX mi XXXX XXXX
Product: Checking or savings account

To whom it may concern, I opened the Citibank account for the {$400.00} bonus. The terms of the account is to have {$15000.00} by 30 days of opening and you will get the bonus. I opened my account in XX/XX/XXXX and I still have no received my bonus as of today in XX/XX/2018. I deposited the amount needed for the bonus in time! I was sent an email that I didn't qualify for the bonus and I immediately called them a couple of months ago. The representative double checked I had all the things needed to obtain the bonus and they confirmed and put a note on my account that I do qualify for the bonus. I asked if there was a way to expedite the process and make a claim to make sure that I get the bonus. They responded to me that I was not able to make a claim until XX/XX/XXXX. I was on vacation so I was not able until later on. I again tried to contact Citibank and I finally filed a claim 1 week ago. They said they will respond in 2 days but I haven't heard no response yet. I will attached the claim number upon request.