23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi. I believe this company : Transworld Systems Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ( XXXX ) XXXX ( XXXX ) XXXX This is the number they told me to call back on. ( XXXX ) XXXX I live in Washington State and this is a Washington State zip code They collected {$90.00} from me for a debt I had no knowledge about. 

They had all of my information including the name of doctors I had seen. 

They collected information from me including my social security number. 

The University XXXX XXXX XXXX XXXX  that I have never notified me about this in the past. 

They might be fraudulent. Please check them out
Product: Credit reporting or other personal consumer reports

See attachments I've recently checked my credit report and noticed some inaccurate accounts reporting.
Product: Credit card or prepaid card

On numerous occasions American Express denied me credit and that's a violation of the equal opportunity credit act ( ECOA ). I gave American Express my social security number and I didn't get just compensation. This has been going on since XXXX to XXXX and I have evidence of this discrimination that I will provide. The equal credit opportunity act say that American Express can't make a decision base on my ability to pay back and that's just what they did.The Equal Credit Opportunity Act ( ECOA ) is federal civil rights law that prevents lenders from discriminating against credit applicants based on factors unrelated to their ability to repay. I have been discriminated against and American Express needs to remedy these situations ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized entries on my credit report that I believe are the result of identity theft. I have not authorized or opened the accounts listed below, and I request their immediate removal to ensure the accuracy of my credit information. 
Please find the specific items that need to be addressed : XXXX XXXX XXXX XXXX XXXX  {$880.00} XXXX XXXX XXXX XXXX XXXX  {$4600.00} [ ] I have reported this identity theft to the Federal Trade Commission ( FTC ) and am including copies of the FTC Identity Theft Affidavit along with this letter as evidence supporting my claim. Based on this documentation and the rights afforded to me under the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent entries be deleted from my credit report as promptly as possible. 
Thank you for your attention to this matter. I look forward to your swift response to confirm the removal of these items. 


Thank you for your assistance. 


Sincerely, XXXX XXXX
Product: Credit card

I contacted Chase back in XXXX 2016 to have my payment due date changed to XXXX XXXX each month to have the same due date as my other account. The failed to do so and my account. Again, my payment due date should be XX/XX/XXXX instead of XX/XX/XXXX. 
Chase is reporting my loan 30 days delinquent for XXXX 2016 and XXXX 2016. In called in twice to remit telephone payment on XXXX XXXX, 2016 because they lost my mailed payment and assessed me a fees. However their systems did not report in the systems Finally, I logged on XXXX XXXX, 2016, and made the past due payment of {$180.00} to avoid negative credit reporting. My payment due date is on the XXXX of each month ; as such, XXXX 2016 should not be reported late. I called the representative today and she said that the minimum payment was not satisfied because a new billing statement was issued ; however, the phone and internet information was inaccurate and I paid what was reflected online. In XXXX 2016, I mailed in my payment and again it was lost my chase. Researched my bank records and show that the payment was not received. I was out of the country and called the payment in on XXXX/XXXX/2016. Chase took two days to reflect that the payment and my online inaccurately reflect that payment was made on XXXX/XXXX/16. This is due to bank error because I made the payment on XXXX/XXXX/2016. As such, my credit is being adversely impacted due to bank error committed in XXXX 2016 and XXXX 2016. This is ridiculous and predatory practices in violation of FCRA. The supervisor I spoke with today was very rude and unwilling to hear me out. Specifically, he did not understand or hear that I made my payment before the 30 day cut off date. As such, I am filing a formal complaint against that person as the call. I am unable to refinance my house due to negative credit reporting. This is ridiculous!!
Product: Student loan

I am not able to give exact dates or names. I have been having housing issues as a tenant at a residence from XX/XX/XXXX until XX/XX/XXXX at which time I was purposely evicted. I am still not able to find a place to live because of intentionally filed eviction against me. To add to that entry into my credit file, Navient had and continues to still have negative entries of non payment added to my credit file and that is done in a monthly basis. There are no hardship forgiveness nor any other options for people such as myself who are without housing or who are having such an economic issue like or similar to mine. The only option they have is to repay a student loan no matter is it will make you become deeper into a living hardship while still living without a place and homeless. 
The late fee and rates are even worse. All of that hurts me more. 
Please add me to the class action lawsuit against Navient. 
Thank you.
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX in XXXX. I took out a {$15000.00} loan with Sallie Mae ( now Navient ). I have been making payments since XXXX averaging at about {$180.00} a month. Because the interest rate is so high on them ( it's broken up into 2 loans ) essentially all of my nearly {$20000.00} have gone towards interest. I have never missed a payment and am always on time, even though looking through the statements I saw they charged me late fees and that is inaccurate. Last year I noticed they stopped charging me. I still made payments hoping it would go straight towards the principle. Turns out it was going mostly to interest. I received an email saying they were going through a lawsuit and figured that was the reason they stopped charging me so I stopped paying it. Now I just found out that my " forbearance '' is ending in 21 days. I never asked for a forbearance. And because I wasn't making payments, my interest rate shot up even more. Accumulatively it is at 23 %. In the past I had called and tried to lower my monthly payments and they denied it. That is the extent of what I've done to pay less on my loan. I know that the lawsuit had to do with cases such as this, where they were doing shady things without people knowing and I am one of them. I have contacted them about it and they said they are " looking into it ''. I don't expect them to do anything seeing as how they are thieves. I need something to be done about this. I shouldn't have to pay higher interest rates because of something they unknowingly did to me. I honestly would like to refinance my loan and get the interest lowered as much as possible ( nothing over 6 % ). Also it's completely unfair that I can't claim this on my taxes because of the type of loan it is. This is ridiculous and something needs to be done.
Product: Bank account or service

On XXXX/XXXX/2015, I was charged an overdraft fee while my checking account was positive - {$35.00} EOD on XXXX/XXXX/2015, according to my transaction register on the bank 's website. According to the overdraft notice, the fee was cause by insufficient funds for transactions on XXXX/XXXX/2015. 
The overdraft notice which was provided included several transactions which did not occur on XX/XX/XXXX, per my account 's transaction register. In fact, XXXX of the transactions occurred after my account had been replenished with additional funds on XXXX/XXXX/2015, bringing me above the previously indicated {$35.00}. 
I went to the branch to attempt to resolve this banking error and spoke with the assistant banking center manager on-site, XXXX XXXX. He insisted that there was no bank error, but said that he could not explain why my account was charged an overdraft while my balance was positive. 
It should be noted that this overdraft fee was charged 3 days after I moved money into a new bank account with another institution. I do not know if Comerica is retaliating against me for deciding to bank elsewhere, but at this point, I am only waiting for final transactions to post before closing my account with Comerica. 

Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me nor was I ever doing business or trying to do business with the following they are fraudulent and unauthorized inquiries : 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I attempted to get a business loan for my company of 3 years, my credit score was over XXXX, but I was denied a loan for my business as well as a personal loan due to false derogatory statements of my credit report ( a van repo that was not not vehicle according to a court order ). I was denied any and all financing ( personal and professional ) soley based on the false derogatory statements in my credit report ... ..evn after I showed the judges order awarding the vehicle to my ex wife in XXXX. They knowingly denied me credit on false/inaccurate information which has caused significant injury to my company and my family. They refused to let me speak to the underwritter and gave no information other than the false information in the credit report about the van which wasnt mine even though I provided the judges court order to prove it. I met all other stated prerequisites for getting funding other than the false derogatory statements about my ex wifes van, yet I have been continuously denied any for of credit or funding because of it.
Product: Credit reporting or other personal consumer reports

For purposes of this section, a notice of address discrepancy means a notice sent to a user by a consumer reporting agency described in XXXX U.S.C. XXXX ( p ) pursuant to XXXX U.S.C. XXXX ( h ) ( XXXX ), that informs the user of a substantial difference between the address for the consumer that the user provided to request the consumer report and the address ( es ) in the agency 's file for the consumer. 

ADDRESS IM NOT ASSOCIATE WITH PLEASE REMOVE THE FOLLOWING OFF MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX CT XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - False, deceptive, or misleading representations or means. 
these accounts are not correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing a serious issue concerning inaccuracies on my consumer credit profile reported by XXXX, XXXX, and TransUnion. Despite my diligent efforts to rectify this matter directly with the credit bureaus, the inaccuracies persist, and my attempts to resolve these issues have not resulted in the necessary corrections. 

I have sent detailed letters to each of the three credit bureaus outlining specific inaccuracies on my credit report. In my correspondence, I provided substantial evidence demonstrating that the information reported is incorrect. This evidence includes documents such as account statements, payment confirmations, and other pertinent records. Furthermore, I referenced the relevant consumer protection laws that mandate the correction or removal of such inaccurate information. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of their credit information. If the information is found to be inaccurate or can not be verified, the FCRA mandates that it must be corrected or removed from the consumers credit report. Additionally, Section 605B [ 15 U.S.C. 1681c-2 ] supports my case by stipulating that any information that is not verified within the prescribed period must be deleted. 

Despite this clear legal framework, the credit bureaus have not taken the necessary steps to correct or remove the inaccurate information from my credit report. This failure not only impacts my creditworthiness but also contravenes the consumer rights guaranteed under federal law. I kindly request that the Consumer Financial Protection Bureau intervene to ensure that these inaccuracies are corrected in compliance with the FCRA and that the credit bureaus adhere to their legal obligations. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving these discrepancies. Should you require any additional information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit reports from XXXX equifax and XXXX I found inquiries that I have no knowledge of please delete these inquiries immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Dear CFPB, AND EQUIFAX I have sent serval letters and complaints about the fraudulent XXXX XXXXXXXX account acct number XXXX. I am not a credit repair company. I am A PERSON. as you should no, there is plenty of information online and in the FAIR CREDIT ACT to help me, the consumer to try and fix my own credit consumer report. please look at my documentation that I sent for your review, this is really getting ridiculous. Im telling you that THIS IS NOT MY ACCOUNT AND I WANT IT REMOVED FROM MY CREDIT REPORT. YOU HAVE NOT SENT ME ANY DOCUMENTATION THAT THIS XXXX  XXXX ACCOUNT WAS OPENED BY ME, BECAUSE IT WAS NOT
Product: Debt collection

I filed a complaint against XXXX XXXX for attempting to collect charges made on my charge account that were fraudulent. XXXX XXXX sent me a letter notifying me the account was re opened and was going to be investigated. Friday I received a letter from XXXX XXXX stating I closed my claim against them and I have agreed to pay the bill. This is not true. I called the number listed on the letter and stated to XXXX that I did not authorize this action. I filled out the paperwork denying the action and faxed it to the number provided. Today I received a letter from a debt collection agency on behalf of XXXX XXXX / XXXX XXXX and last Thursday I was contacted by a debt collection company trying to collect this debt. 
We are not finished with my open claim. I did not make the charges. We have an open investigation. I am waiting for resolution of this issue. It seems XXXX is railroading me to pay this debt. 
In closing, this claim has not been retracted and XXXX XXXX did not perform their due diligence. This matter was not looked into, the case was opened and nothing else was accomplished on their end. While under investigation this debt is on hold. I do not NOT make the charges not EVER open this account.
Product: Credit reporting

I have paid this account in full and satisfied my obligations. I would like this Negative Account removed from my Credit Report.
Product: Prepaid card

I received some American Express Gift Cards through my rewards program with my AMEX credit card back in XXXX. I have struggled to find places to use them, as almost no merchants accept them. 

After MANY tries, I finally found a place to spend them, so I wanted to use them up and be done with them since they are such a hassle. During my attempts to spend the cards, one card was locked and put on " HOLD ''. The AMEX gift card website where you check your card balances said to call the number on the back of the card to resolve this. 

So I called them today, XX/XX/XXXX, and after being hung up on once, got someone who said they could not help me unless I gave them an 11 digit serial number on the back of the card. But there is no such number on the back of the card. They refused to help me otherwise. I then called the AMEX number associated with my rewards card and they could not help me either. And both numbers/individuals I called had no idea where I should call to try to get it resolved. 

So I have a {$250.00} AMEX gift card that is locked/on HOLD by the system for an unknown reason, that no one seems to be able to fix so that I can use it. And the company provided numbers that said that I was told would help me, can not. I was told by one CS agent that I was just out of luck. And that is not acceptable or fair. This card was placed on hold by the AMEX system - and no one can release it!
Product: Debt collection

On, or around XX/XX/2022, my grandfather ( Upwards of XXXX yrs of age ) started receiving phone calls at XXXX EST regarding a debt that does not belong to him. He Has been recovering from XXXX and has other medical issues. I have since called the company and have given them all of the correct contact information. I have also requested multiple times to have his number removed and to stop calling his phone number. They continue to call every single day starting at XXXX am EST.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered! I have been sending dispute letters to the Credit Bureaus regarding the removal of the fraudulent information from my Credit report and yet they have done NOTHING! The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my personal information such as Driver 's license, my SSN, and proofs of address to inform the Credit Bureaus that it is me who have been submitting the complaints. I have read that the Credit Bureaus are required to remove any account that resulted due to identity theft under the Fair Credit Reporting Act section 605b. I have been highlighting this Federal law to my letters to remind the Credit Bureaus about heir obligation. Also, I have been asking the Credit Bureaus that they provide me copies of documentation bearing my signatures to support the Credit Bureaus ' claims that the disputed accounts belong to me and yet they have also failed to do so! These accounts were never mine! And neither did I received anything in exchange nor benefits as a result of the identity theft! under the FCRA section 605b, I would greatly appreciate it if the Credit Bureaus would remove these items completely from my Credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00}
Product: Debt collection

Contacted XXXX XXXX to pay debt, representative stated it has already been sent to collections. They could not provide me with any additional information. I contacted collection company for a settlement amount. Collection agency refused to settle. Collection is listed on credit report twice with two different amounts. Fees are excessive, over twice the amount of the product.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXX. Please investigate and remove from my credit report.
Product: Debt collection

On XX/XX/2017. I received a call from XXXX XXXX explaining that their corporate office had noticed a few mistakes that were made when signing the lease. The errors that were in questions was the rent amount that was proposed on the day of lease signing and how it was going to change because of a employee mistake. The day of lease signing these errors should have been brought up not one employee was diligent enough to pay attention to the details and protocols that they were trained to do. This resulted in XXXX XXXX terminating our original lease agreement and recreating a new one under new terms and rental price. They asked us to sign multiple times WE NEVER SIGNED ANYTHING. The error they caused was due to an untrained employee who did not provide us the correct rental amount. They then told us if we did not resign the new lease that we would have to vacate the property in which we did on XX/XX/3017.
Product: Credit reporting or other personal consumer reports

Consumer NOTIFICATION of unproven and or Faulty Transfer and Payment Record information, untrue information, incorrect facts, incomplete data, not certified amenably recorded details or else wise not adequate of mandated validity and of applicable and mandatory reporting standards, to include but not limited to those requisites by the FCBA, FCRA, FDCPA, FACTA, HIPAA PR, TILA, and or XXXX ( XXXX XXXX Compliance format ) reporting regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion File Number XXXX Date:XXXX  TransUnion has under Supplemental Consumer Credit Information XXXX XXXX Inquiries in the last 7 years:12 I have not applied nor received any XXXX XXXX as stated by TransUnion there has not been any XXXX XXXX nor applied to as stated by TransUnion. I need documented proof of who and what XXXX XXXX place there was a XXXX XXXX loan received by me and the company name and city and full information this was done.
Product: Debt collection

This company called and will not disclose who they are. They are also spoofing local phone numbers and not using their own number to show up on caller ID and admitted they were not calling from that number.
Product: Credit card

I was a member of  Citibank Visa f or 20 years. In  XXXX  I was making purchases using my credit card that were then put on another credit card # which I did n't actually own. The credit card that I was using did n't expire until  XXXX . I inquired about this and never got an answer. I also had pending charges that never carried over to the next month and there was n't any real way of knowing what had carried over since my balance was zero yet my purchases did n't add up to the total balance. I also inquired about this. I had to keep tracing things each month and it was frustrating. This pending situation was irritating but the charging  two  card # 's when I only owned  one credit card just did n't seem ethical. I canceled my membership with Citibank Visa  as a result.
Product: Mortgage

A mortgage payment check was never received. My first contact about this missing payment was from the mouth of the customer service rep was that I was being placed into collections. I started a research process with Movement Mortgage. I provided a copy of the carbon copy of the check that I mailed in on XX/XX/2021 for a XX/XX/2021 payment. I was finally forced to place a stop payment on the check. I attempted to place a payment on-line but was forced to contact Movement Mortgage customer service for assistance as the web page was not allowing me to pay the payment on-line. I was told that since my account was delinquent I could not pay the payment on-line. I was told by the first rep that the only was to resolve this issue to pay on-line now the second rep told me I couldn't on-line. Now I want to pay but I'm caught in a Movement Mortgage loop