23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On approximately XXXX XXXX, I called Moneykey CC Flow lending company in regards to my concerns of my loan. I asked them to explain to me why after making approximately {$550.00} to {$570.00} a month for the past nine months on a {$2900.00} dollar loan, why I still owe over XXXX dollars, this doesn't make any sense to me. The Moneykey employee replied that it's because they don't go by finance charges, they go how much you owe each month, her exact words were " we go by your monthly billing cycle '', and she further said that I am welcome to make additional payments in order to lower their fees. I told her that this is insane, you guys are charging over 100 percent interest on your loans, and at this rate I would never be able to pay off this loan. The Moneykey employee just replied " sorry, you can pay more to lower the amount. When I made the call I owed {$3200.00}, on a XXXX dollar loan, today it shows that I owe {$3200.00}. I was approved for a XXXX dollar loan on XX/XX/XXXX, and the money is automatically taken out of my checking account, and it varies from around XXXX dollars to as high as XXXX dollars. I have paid a total of {$3900.00} into this loan so far
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan was turned over for servicing to BSI about a year and a half ago and have nothing but problems. First I have always been able to pay my mortgage loan using my bank bill pay for overnight processing which I found out BSI does not have so an actual check needs to be sent so now I have to guess at what amount I should pay since I do n't get their statement until after the time when I need to do the bill pay to get it their by the due date. I have also been trying to get information from customer service regarding when the interest only will end as I believe it will be this year. I called a couple of months ago and the customer service agent said that it would have normally ended in XX/XX/XXXX but that these loans have been extended to XX/XX/XXXX now. Last week I received a letter stating that my interest only ends in XX/XX/XXXX and my statement will most likely increase as is will contain both principal and interest and will be shown on my statement. I still have not received my XX/XX/XXXX statement, I have called 3 times to talk to them about what the actual payment will be and what the interest rate will be. They are not able to help me and have left messages each time to ask to speak to my account rep. Seems he is always busy and I leave messages but still no call back. This is the worse loan servicing company and their customer service agents are useless unless you only want someone to answer the call in person. I agree maybe a class action suit would wake them up!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied and was approved for a credit card with home shopping which uses synchrony bank. I put in a dispute for charges on product I did not receive. They then reported me as late. Ive called them over and over to get this taken care of already. But? Every time I called I was given the same run around. I finally paid the bill to avoid running into a credit reporting issue. I had a statement from them showing I paid twice but they wanted me to prove it. So their statement showed my payments they wanted documentation showing HOW I paid them. They put late payment on my report. Then they showed my account closed several times. Their actions have taken my scores down from the XXXX to the XXXX. I ordered credit reports from all three agencys trying to get to the bottom of it. Im a former XXXX XXXX XXXX  and always tracking my scores. Were trying to buy a new house and now my rates are a mess. Someone needs to hold this bank accountable. Can you help me? Im out of options. This is absolutely unfair business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know that the FCRA states that the only purposes for pulling someones credit report are : firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below. I never authorized such and I ask your agency to please remove these from reporting on my credit report. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains inaccuracies. The documents I provided have been attached. The accounts on my report are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already have disputed this account multiple times for the last 8 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX NA - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Incorrect Name - XXXX XXXX - The following personal information is incorrect Incorrect DOB - XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, MA, XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX - The following personal information is incorrect Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, MA, XXXX - The following personal information is incorrect These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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: Money transfer, virtual currency, or money service

I used Zelle with my old XXXX  account and had a scam for a moving company happen as well as when I was selling furniture I was scammed by someone who used Zelle under someone elses name. I sent money never got back and XXXXZelle never honored the issue even with proof. The scale affect myself and someone else as the person posed as someone who they were not no one did anything the bank/zelle held me responsible which is horrible!
Product: Mortgage

Keep raising mortgage payments, claiming escrow is low or depleted because of taxes and insurance. First, it was water bill, than it was analysis every 2 years now it reserves escrow!!!! Select portfolio services!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing fraudulent inquiries in XXXX of 2022 and neither of the bureaus are doing anything to assist me! They're not responding to the disputes or even removing the inquiries. These inquiries being on my credit report is holding me back from applying for credit and I don't like that I'm not getting anywhere with any of the bureaus! I have sent a dispute on XX/XX/XXXX and XX/XX/XXXX ; both times were through certified mail so I KNOW they got my letters!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date. XXXX XXXXSince then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. LVNV FUNDING LLC fraudulently reporting to XXXX that they are the original creditors, and reporting to XXXX they bought the debt from XXXX which is misleading and fraudulently reporting to the credit bureaus these inaccuracies .This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX : LVNV FUNDING LLC Account number XXXX XXXX : LVNV FUNDING LLC Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> I was contacted via phone by a debt collector in regards to a debt I have disputed with the original company. Original company Is GM financial, when I was contacted I explained to them that they are contacting me in regards to something I have no knowledge about. They ensured it was me and try to force me to pay the debt. I asked them to please provide the Following : - The original contract with the original owner with signature - The date and paper work when they acquired the Debt - Documentation of the balanced owed I was told that they don't have to provide the information due to they had confirmed my information. I further explained to them my identity was stolen in the past and can give them the XXXX paperwork as well. 

They then hung up on me. Then Again on XX/XX/year> I was contacted again in regards. I told them it isn't my debt and have the theft report from XXXX. they provided me an address and a email to send the information to. On XXXX XXXX I sent the following via mail and email : -Identity Theft Report - FTC # XXXX - NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA -Identity theft dispute letter. 

No information was sent back to me.
Product: Credit card

I am a cardholder with American Express for 12 years. My account has always been fully paid during that time and there have been no previous issues. Out of the blue, I get an email from them that my account is under financial review and that they will cancel it if I do n't respond within several days. There was no prior warning before this email. They also put an immediate hold on our cards, again without warning or explanation, for the length of the review process, which I was later informed could take up to 7 days. So in essence, no credit card use for up to 7 days without warning on a fully paid account in good standing. They also would provide no details about why the review was taking place, why it had to happen now and not at a time of mutual convenience, or why the card could n't be used during the review process. I was able to negotiate an " allowance '' to use the card up to a certain dollar amount, but the representative was very clear that this was unusual and normally the account would be totally locked until the process was complete. The call also took up an hour of my work day, between trying to get information from them that they would n't provide, insisting that they clearly explain the review process and its consequences ( which they would not do ), and answering their financial review questions over the phone. This does not include time spent filing papers with them to support the information I gave them. Again, all this would be potentially be normal if there was some warning, if the account remained useable, and if a reasonable timeframe were provided. As it is, I was under threat of losing my card if I did n't respond ASAP and the card was locked until I responded and until they confirm my information with the IRS. If I had been traveling or the like, all this would have happened without warning and without any opportunity to fix it. They seemed totally unconcerned with the idea that this practice could put their cardholders in serious jeopardy, not to mention the intense inconvenience. To reiterate, I am with American Express for 12 years without issue and they consider this type of action to be completely within their rights. 

Last point - Amex claims to have tried to reach me by phone before sending the attached email. No phone call or message was received by me or anyone else on the account. Even so, the lock was placed on the account at the beginning of the review process, irrespective of the phone calls.
Product: Credit reporting or other personal consumer reports

Transunion Is allowing 2 companies by the names of Western funding and Investment Retrievers to report the exact same collection account, They are not complying with U.S. Code 1681 ( a ).
Product: Debt collection

I am filing this complaint regarding incorrect debt collection practices by First Credit Services and XXXX XXXX. On XX/XX/XXXX, I received services from XXXX XXXX totaling {$95.00}. My insurance paid {$45.00}, and I paid {$50.00}, resulting in a documented XXXX balance. On XX/XX/XXXX, First Credit Services sent me a collection notice ( which I received on XX/XX/XXXX ) showing drastically different amountsclaiming an original debt of {$400.00} with credits of {$350.00} and a remaining balance of {$50.00}. This significant discrepancy in the reported original amount ( {$400.00} vs. actual {$95.00} ) demonstrates that First Credit Services is attempting to collect a debt using incorrect information. The collection notice claims the debt was owed as of XX/XX/XXXX, which is the same date as my original service, yet shows amounts that do not match my legitimate bill from XXXX XXXX. I have documentation proving the actual amounts and XXXX balance. I request an investigation into why First Credit Services is using incorrect debt amounts and why XXXX XXXX provided them with inaccurate information about my account. This complaint is being filed within the 30-day dispute period from my receipt of the collection notice.
Product: Checking or savings account

tried several times to open an account using their web application of CITI bank. I am opening a checkings account. I kept getting a rejection. 
I was asked to call and have a person directly open the account which I did. I received a welcome package for my account. After filling out the verification forms for my account I got no other word from the bank. I decided to call the bank to find out what is going on with the account only for them to tell me that the bank account has been set for closure without providing me any further information. I would like to get some explanation for this behavior but I am convinced this is because I am of XXXX nationality because I know my credit score is Excellent
Product: Student loan

I received a notice to my Aidvantage account stating that my interest rate reduction for using AutoPay will be suspended during forbearance or deferment and the next line states my loans were approved for deferment. I never made a request to have my loans deferred so I'm not sure why they were. I tried to call their Customer Service line and each of the 12 times that I called, I kept being told to wait on the line then after about 10 minutes I would get a prompt to leave a message for a mailbox ( # XXXX ) however that mailbox was full. I tried to send an email via the Help Center while logged into my account and received a follow up email to my personal email stating that they were unable to respond to my request via the Help Center because it wasn't secure, even though it was sent through my logged in account. So now I'm accruing more interest than normal because my AutoPay enrollment has been removed because they placed my loans in deferment without me requesting this and I'm unable to get a hold of anyone to resolve the issue. How can a company responsible for millions of federal student loans be so difficult to get in contact with. This is unacceptable.
Product: Credit reporting or other personal consumer reports

By law I have a right to a fair and accurate credit report without retaliation or discrimination. 
Equifax is discriminating against me. Information was removed due to lack of verification but Equifax never restores the scoring system points that they have taken from me due to unverifiable information that caused my persons score to decrease in the first place. Equifax has discriminated against me for years. Since XXXX my persons credit score has been under XXXX points which damages my credit worthiness and causes lenders to rate my credit worthiness unsatisfactory and causes lenders to try to issue my person a high interest rate loan or simply deny my person all together. As of XX/XX/XXXX my Equifax credit score is significantly lower than my XXXX and XXXX credit score. As of today my persons credit score is almost XXXX points in difference from my XXXX and XXXX credit score. THATS DISCRIMINATION when all 3 credit reporting companies get information from each other on consumers. XXXX and XXXX both have adjusted certain information as well as my persons credit score. Equifax is the only reporting agency who discriminates in timely response, reporting, recovery and accuracy on consumers and I would like to not be discriminated against and have my persons credit score accurately evaluated and adjusted accurately and accordingly to the correct possible and positive standards as the other credit reporting companies. 
XXXX XXXX XXXX XXXX Equifax XXXX I have also dealt with reinsertions of old accounts in the past that were once deleted, credit score drastically dropped after reinsertions with no kind of repair to my persons credit score.
Product: Credit reporting or other personal consumer reports

Im writing with a heavy heart to dispute some inaccurate information on my credit report. The following items are incorrect, and theyre causing significant damage to my credit score. This is really stressful for me, as Ive always tried my best to manage my finances, and seeing this has been overwhelming. 

XXXX Account Name : XXXX XXXX Account Number : XXXX balance : {$480.00} Reason : I disagree with the findings of your investigation regarding the missed and late payments on this account. I request a detailed statement of all payments made and missed since the account was opened, as I believe the reported results are inaccurate. 
delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name XXXX XXXX XXXX XXXX Account Number : XXXX balance : {$18000.00} Reason : I disagree with the findings of your investigation regarding the missed and late payments on this account. I request a detailed statement of all payments made and missed since the account was opened, as I believe the reported results are inaccurate. 
delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Im concerned and confused to see this lender on my credit report. I dont recognize them and dont remember authorizing a hard inquiry. There are multiple inquiries in one day, but I only approved one. This has caused me a lot of stress. Please provide proof of authorization or remove the unauthorized inquiries immediately.
Product: Debt collection

SEVERAL MONTHS AGO, I WAS GOT SEVERAL CALLS ABOUT THE ACCOUNT. 
THIS COMPANY AND XXXX ME FOR SEVERAL MONTHS BECAUSE I REMEBER THE AREA CODE XXXX THEN I CALL ON XX/XX/XXXX THEN I CALL ON XX/XX/XXXX = XXXX WAS RUDE, SAID ITS IN DISPUTE .. OFFER XXXX ALL BILLS ARE DEPENDS ... ITS A HARDHIP WITH COVID 19 PROCESS SEVER PUT BILL IN A MAIL??? NOT MYLEGAL ADDRESS AT ALL XXXX IS SUP IS NOT AVAIL, NOBODY IN THE WHOLE OR ANOTHER IS AVAIL FALSE NAME WAS USE SEVERAL TIMES XXXX XXXX XXXX XXXX???? 
XXXX XXXX  XXXX XXXX XXXX??? 
THEN ANOTHER PERSON CALL ME FROM XXXX XXXX CA IM NOT SURE GOING ON NOT PROFESIONAL AT ALL