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

In accordance with Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX -- XXXX XXXX XXXX  XXXX XXXX XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU -- XXXX US DEPARTMENT OF EDU -- XXXX 15.U.S.C 1681 section 602 A . States that 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 an account without my written instructions
Product: Bank account or service

In XX/XX/XXXX I opened a Citi Gold account with a XXXX deposit Citibank were offering a XXXX bonus after this had been left in the accound for a minimum of three months and found this was a far better return than interest rates from any bank. This account was opened by a 'new accounts manager' at a local branch and my regular Citibank Debit card was used to get all the details about my account. After XXXX months I enquired when the bonus was going to be paid and they explained that payment would be deposited in anytime upto XXXX after the initial XXXX months.  I was perplexed about this but though maybe it was in the small print and accepted this. After the XXXX month mark I enquired again about payment of the bonus payment and Citibank then said I hadn't made any electronic payments from my account which I had done to pay my credit card off so they then did a XXXX degree turn and said that it was because I already had an account which I opened in XX/XX/XXXX. I made it very clear when I opened this 'new' account the reason opening it was because of the bonus and the fact they opened it up with information from my existing Citibank Debit account card clearly identifies that I already have an account. I would have been more than understanding if they had made it clear that this offer was only open to new customers with XXXX to leave in their account for XXXX months but this wasn't and find it incredibly deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, Subject : Dispute and Request for Investigation of Inaccurate Information on my Credit Report I am writing to dispute certain items on my credit report provided by XXXX, Experian, and XXXX. After recently obtaining my consumer report, I have discovered inaccuracies related to the collections accounts associated with the following creditors : XXXX ( account number ending in XXXX ), XXXX ( account number ending in XXXX ), and XXXX XXXX ( account number ending in XXXX ). 

The inaccuracies that I am disputing are as follows : Incorrect Date of Birth : My date of birth is inaccurately reported as XX/XX/XXXX However, I can provide concrete proof through my official identification and citizenship papers that my correct date of birth is XX/XX/XXXX. 

Account Opening Date : The accounts with the above-mentioned creditors were reported as opened before I turned XXXX years old. As per my correct date of birth, I was born on XX/XX/XXXX. Therefore, it is evident that these accounts were opened before I reached the age of XXXX, which is incorrect and a violation of credit regulations. 

I kindly request a thorough investigation into these matters to rectify the discrepancies in my credit report. The presence of these inaccuracies negatively impacts my creditworthiness and financial standing, which may hinder my ability to obtain credit and loans in the future. 

I can provide copies of my identification documents and citizenship papers to support the verification of my correct date of birth. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that you have 30 days from the date of receipt of this dispute letter to conduct your investigation and provide me with the results. I request that you promptly send me a written response outlining the actions taken to correct the inaccuracies on my credit report. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute and look forward to a timely update of my credit report. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My monthly payments are due on the XXXX. I am being harassed every month by Tower Loans because XXXX XXXX, an office assistant, calls to ask for money BEFORE or ON the day it is due. She does not even give me the time to make the payment when it is due. It has never been late and is usually early. 

I understand XXXX is unhappy that I declined to accept an additional loan offer a few months ago because I refused to fake collateral. I am not going to lie about collateral just so they can create loans. 

On XX/XX/XXXX XXXX called for payment and I told her she needed do her job and look for it because I already made the payment and asked her to stop harassing me. She said she was " following up '' on my payment. How do you follow up on a payment BEFORE the due date? I asked for her manager and found that this business has no manager or finance person. She has no boss. When I stated she is just making up rules each day and doing whatever she wants she remained quiet. I would appreciate someone making her stop harassing customers BEFORE the due date and if need be, CLOSE DOWN THIS LOCATION in XXXX, TX
Product: Checking or savings account

Capital One holding direct deposit for over XXXX after receiving deposit that was supposed to be posted on XXXX XXXXXX/XX/year>, making my account overdraft and causing major financial distress. They have not provided any solutions after multiple attempts to get answers
Product: Credit reporting or other personal consumer reports

Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Email : XXXX Company Information : Company Name : XXXX XXXX XXXXXXXX Company Address : XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX Company Email : XXXX Phone Number ( if needed ) : XXXX Complaint Details : Issue : XXXX XXXX XXXX has failed to take action regarding fraudulent accounts that were compromised and misused under my name, despite multiple disputes and legal notices. Their negligence has resulted in severe financial harm, including false charge-offs, unauthorized debt collection activity, and reporting of inaccurate information to the credit bureaus. 

Accounts in Question : XXXX ending in XXXX Code to locate : XXXX XXXX ending in XXXX Code to locate : XXXX Complaint Summary : 1.Failure to Investigate Fraudulent Accounts : Despite my certified mail dispute sent on XX/XX/XXXX, and a follow-up demand on XX/XX/XXXX, XXXX XXXX  has failed to investigate or remove these fraudulent accounts. 
2.Negligence in Verifying Identity Before Communicating with Unauthorized Individuals : XXXX XXXX engaged in unauthorized communication with fraudsters regarding these accounts instead of properly verifying identity.

3.Failure to Suspend or Close Compromised Accounts : Even after being notified of fraud, XXXX XXXX allowed these accounts to remain open, leading to further misuse and financial damage. 
4.Unauthorized Credit Reporting and Debt Collection : These fraudulent accounts are now listed as charge-offs, which has severely impacted my ability to obtain housing, loans, and financial stability.

5.Lack of Response and Compliance : XXXX XXXX has ignored multiple dispute letters, failed to respond, and continued inaccurate reporting, violating my consumer rights under federal law. 

Financial & Personal Harm : As a direct result of XXXX XXXX negligence, I have suffered : Denial of Mortgage Loan & Housing Instability Higher Interest Rates on Loans Due to Damaged Credit Inability to Co-Sign for My Grandchildrens College Loans Loss of Employment & Business Opportunities XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 15 USC 1681 XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX  XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 an 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 then records of convictions of crimes which antedates the reports by more then 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: Debt collection

i receivedd a notice in the mail concerning debt. The notice gave no address, and no details. I have never put a bill in my name. my informaton was stolen and frauded. i would like to dispute these charges. i know who frauded my name. please call me at XXXX or email. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 I cent a certified mail electronic receipt conformation to Experian which was received and signed for on XX/XX/2018 XXXX. 
requesting that certain items on my credit report be verified by providing me with PHYSICAL VERIFICATION OR AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE on 6 accounts reporting on my credit report or be removed. under the FCRA UNVEREFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF YOU MUST REMOVE THE ITEMS. 3 were removed and I got emails today XX/XX/2018 saying that my disputes were ready and 3 remained saying updated. I didn't submit a dispute I asked that the items be verified and requested physical proof an original signed contract or for them to be removed. I never received the physical proof. those items are still reporting and are not validated. my request were not granted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them certified letters numerous times asking them to correct the information but they refused. XXXX reported the same thing twice under different company names and Portfolio RC incorrectly reported that I owe them money. I sent multiple letters to all companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and I noticed a credit card I didnt apply for under my name which is XXXX XXXX and I didnt do business with this company didnt apply for credit card back in 2018 with a XXXX balance I submit the documents but the account havent been removed yet and discover has a pending lawsuit against them for bad customer service and not taking this account off my records and never ask me to send documents and I did many times and they said they never got them and putting me in debt and I just lost my job because of them due to a bad credit score ... I need discover to leave me alone they are worst ... I didnt apply for XXXX back in 2018 account number ending in XXXX
Product: Student loan

By law if you apply for a loan after 30 days of not using the funds the loan would be return.
I opened my first loan with XXXX XXXX which I attended for a short period which I believe the school applied for more than needed and pocketed what was extra. XXXX XXXX as well should of return to XXXX XXXX XXXX XXXX XXXX  apply for loans that I did n't need. I tried battling to get my money back and later the school closed.
No I have a lot of loans showing closed paid and they are reporting as duplicate and it 's really hurting my credit.
If the loan we transfers old information should be removed reporting what is current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 19 hard inquiries on Experian and 11 on XXXX. I have 5 that are currently active and the rest arent and been denied approval
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of account ( s ) below has my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name and number : XXXX XXXX XXXX XXXXXXXX 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 inaccurate.
Product: Debt collection

I have asked Franklin Collection Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Student loan

I am a student loan borrower and my loan servicer is Mohela. I was affected by the SAVE litigation and was placed in a forbearance. I have not had to make any monthly payments since XX/XX/XXXX. All notices from Mohela stated that during this forbearance my interest rate would be set to 0 % and no credit given towards PSLF. On XX/XX/XXXX I received a statement from Mohela informing me that my account was placed in a 60-day administrative forbearance as of XX/XX/XXXX. Yet on the same day, I received another letter stating that 60 days had passed and that I would be placed in another type of forbearance and interest accrual rate would be set back to 0 %. This means that no interest shouldve been accruing on my loans since at least XX/XX/XXXX. Nonetheless, on XX/XX/XXXX I received another letter from Mohela stating that interest is continuing to accrue even though I was in the SAVE forbearance and not in the 60-day administrative forbearance anymore. In XX/XX/XXXX is when I started to closely monitor my account to verify increased interest balances and, yes, for the last XXXX months, interest has been accruing. For example on XX/XX/XXXX, my total student loan balance ( per Mohela ) was {$150000.00} and on XX/XX/XXXX it shows it had increased to {$150000.00} ( {$900.00} increase ). On XX/XX/XXXX, the balance was {$150000.00} on XXXX and on XX/XX/XXXX it shows it had increased to {$150000.00} ( {$2700.00} increase in interest ). I called Mohela and after hours waiting on the line, all they said was that such accrual on my balance would be wiped out from my account ; however, no such action has occurred and I dont understand why cant I be placed on the correct forbearance with 0 % interest accrual rate as stated in their notices. 
I hope you can help me with this matter.
Product: Student loan

I have never missed a student loan payment. I have always ensured that each payment I made was sufficient to cover the interest being charged and prevent the loan balance from growing via negative amortization. 

I made my first student loan payment ( since the pause ended ) on XXXX. I paid {$550.00}, more than the minimum payment.

I have 4 loans totaling $ XXXX with a weighted average effective interest rate of 5.7 %. Based on this, I expected my first-month interest charge to be {$230.00}. And therefore {$550.00} - {$230.00} = {$310.00} would be applied to principal.

EdFinancial applied {$340.00} of my payment to interest and only {$200.00} to principal. I am not sure how this could be possible given that I have never missed a payment or paid an amount that would result in interest accruing or negatively amortizing. This is an effective interest rate of 8.4 %, which is quite simply... outrageous. 

I have no idea how this could possibly happen. I want an explanation from the servicer to explain how they arrived at this interest charge. And their customer service has been completely unresponsive.
Product: Checking or savings account

I received a call from XXXX XXXX XXXX who left voicemails for both my wife and myself. I called them back. 

They stated they sent me letters ( which I never received ) and were pursuing legal action on behalf of Huntington National Bank regarding a bank account I had in XX/XX/2011. 

I was advised I was being served notice. They threatened me with judgments but never disclosed themselves as a debt collector. 

To date, I have received no notice of this debt. 

When I requested a statement of all of the charges on my account to show how I could be overdrawn {$500.00}, they refused. I was never that far negative on the account and they are refusing to provide the account history. 

They told me I have no right to see it. When I advised them that I just wanted to see what I was being charged for on my old account statements since they are pursuing legal action, the woman was very rude to me and hung up. 

In XX/XX/2011, I was recovering from a bankruptcy. I had lost my job. I was suddenly divorced and owed child support. I have spent the last 7 years of my life recovering from the hardships I went through in XX/XX/2011. 

I finally caught my delinquent child support up last year. Ive paid several other creditors who I defaulted with. 

I would like to work with the bank to resolve the matter but I want to know what they are charging me for before I arrange any payments. 

I dont understand why she would tell me I have no right to know that information when she was threatening me with judgements.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I entered into an agreement with this company that I owe {$80.00} per month starting XX/XX/XXXX. I paid the following : XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX {$5.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$20.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$5.00} XX/XX/XXXX : {$10.00} XX/XX/XXXX : {$5.00} TOTAL : {$80.00} I have actually paid {$10.00} toward XX/XX/XXXX.

I am NOT past due yet my account is marked as such and I am receiving emails stating that with no response. 

I have documentation from the Vice President of Compliance and President/CEO confirming the agreed upon arrangement of which I am in full compliance. 

This company previously charged off this loan with zero communication with me and I ended up proving I was in the right. This is another egregious error on OppLoans part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 this entity inaccurately reported an account status as 30 days past due when it is current. It lists the last payment as XX/XX/XXXX when a payment was made on the XXXX due date of XX/XX/XXXX. This was reported on XX/XX/XXXX even before the due date. Even if the XXXX payment had yet to be made, it would not currently be more than 30 days passed due. This entity has inaccurately reported the account status multiple times in the past and does not respond to inquiries. They only wait for the consumer to dispute the information. They are willfully violating the FCRA by reporting inaccurate information repeatedly.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX VA XXXX, Said above company, took over my mortgage loan in XX/XX/XXXX. They have been receiving mortgage payments along with escrow funds. 
XX/XX/XXXX I received notice that my mortgage servicer ( XXXX XXXX ) had not paid my property tax due in XX/XX/XXXX after receiving delinquent notice from XXXX XXXX County. 
I contacted the county XXXX, and they confirmed no payment has been made. 
I in turn contact XXXX XXXX, where after they verified my funds were in my acct, I then escalated the call to a supervisor there,, she assured me this would be rectified and paid in a few days ( Did not happen ). 
I have contacted my mortgage servicer several times, again as recent as XX/XX/XXXX because my account is still DELINQUENT!! 
I have since received another notice with threat to put my home up for auction in a few months! I continue to call XXXX and continue to receive no resolution when Im paying my mortgage ON TIME, escrow money is on my account but my taxes are yet to be paid. 
At this point there is an additional {$100.00} penalty that has also been added to my account that must also be paid. This is frustrating and putting me in jeopardy of losing my home! I need immediate assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have been a victim of identity theft and affected by the Louisiana Data Breech for the state of Louisiana that went global and impacted all Louisiana residents, including me. I have no account with the company " XXXX XXXX XXXX, '' and the inquiry results from being a victim of identity theft. I included my FTC Report to reflect my current credit report more accurately.