23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have tried several times, to have information pertaining to state Tax Liens removed as the credit bureaus are reporting the information incorrectly. On several occassions, the response from XXXX and Experian is that the accounts were verified and are correct. This is untrue as I have letters from the State XXXX stating that the debts are satisfied and has been for over XXXX year now. Understanding that the credit bureaus pays third party sources to scout public information, I feel and according to FCRA rules, it is the Bureaus responsibility to ensure that accurate information is furnished on my credit reports. The Bureaus have failed to meet this obligation, even after several requests to investigate and remove these public records. Someone has to hold these bureaus responsible. It 's extremely easy for any creditor to add information to a consumer 's report, but is the hardest of tasks to have the information removed or even properly updated, which is truly unfair to consumers like myself, whom are trying to start over and build my credit.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and unauthorized inquiries being reported on my credit file. Pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I formally request that the following accounts and inquiries be immediately blocked and deleted from my credit report : Fraudulent Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$5300.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$410.00} XXXX. US DEPT ED - XXXX - XX/XX/XXXX - {$5200.00} XXXX. US DEPT ED - XXXX - XX/XX/XXXX - {$2800.00} XXXX. XXXX. XXXX, XXXX - XXXX - XX/XX/XXXX - {$300.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} Unauthorized Inquiries : XXXX XXXX - XX/XX/XXXX
Product: Student loan

I reached out to Navient in 2023 regarding my remaining private student loans. I received loan forgiveness for my federal student loans and had a borrowers defense application filed with Navient. However, was not included in the attorney general requirements for forgiveness for the private student loans even though the private student loan met all other criterias except one. And the loan was obtained from a for profit school that has successful lawsuits regarding defrauded students. I really need some help with getting clarification and guidance on how to deal with this private student loan. Also, my loan balance is literally 98 % interest which is also something of concern. I am also aware of Navient XXXX XXXX discharge application which I would like to be able to complete because I would qualify having all the other loans qualified under borrowers defense as I am a defrauded student for the same exact school. I hope someone can please help me. I do also apologize for the description as this is just a frustrating situation and I am explaining everything the best way I know how having been dealing with this for some time.
Product: Credit card

Capital One recently canceled my credit card without providing me with an explanation. Capital one called me two weeks ago and said there was suspected fraud related to my card and I needed to upload personal documents online in order to verify my identity. The documents requested were : a copy of my passport, the front and back of my social security card, and a bank statement. I provided the documents through their online portal and received a call the next day notifying me that I should call them. When I called them I was told that my account was permanently suspended because of fraud related activity. I asked them for an explanation, but was told they can not provide XXXX. I asked why a fraud investigation was being conducted in the first place and I was told they can not tell me. Prior to receiving the initial call there was no suspicious activity on my account. I 've held a card with Capital One since 2007. In the end the only answer they gave me was " I 'm sorry Sir your card is permenantly suspended, you may apply for a new card. '' My concern is two-fold. First, I deserve an explanation for why my account is being canceled. I 've never had a late payment the entire time I 've held the card. Second, if Capital One did indeed find fraud related to my account I would like to know so that I can take action to ensure my other accounts are no compromised. What can I do to obtain information as to why my account was canceled?
Product: Debt collection

Upon checking credit, noticed a new collection added as of XX/XX/2020. Company ( XXXX XXXX XXXX XXXX ) is unreachable, as well as the alleged original creditor ( CASCADE CAPITAL LLC ). I have never done business nor received loans from this entity. The amount they have attempted to collect is {$4100.00}. I also noticed that they inquired in XXXX, and then placed a collection for the amount on my credit with a date of XX/XX/XXXX ( less than 60 days after initial inquiry ). Bothcompanies are Colorado based and can not be reached via phone.
Product: Credit card

I apply for credit card " XXXX XXXX Credit Card Program '' from XXXX XXXX on XX/XX/2015 on the web XXXX/Decision from my local union, XXXX XXXX send a letter -- WE ARE UNABLE TO VERIFY PERSONAL DATA -- I call them XXXX, they told me I need to update my phone with XXXX, and reapply, because the application is close.
Product: Credit card or prepaid card

Citigroup 's policy forcing vendors to refuse firearm sales to under 21 year-olds, regardless of the law. I don't actually have a credit card account with them, but there is no option for filing a complaint regarding their discriminatory business policies. 

By instituting policies which require their banking customers to discriminate against prospective clients based on age, in an apparent effort to affect their own brand of restrictions on firearms ownership, CitiBank appears to be attempting to infringe upon the second amendment rights of millions of law-abiding American citizens. ( the ones that bailed them out ) Since XXXX has not even remotely suggested that the financial activities they are targeting by this policy are illegal in any way, while they themselves enjoy government support and benefits, I believe they should limit the scope of their policies to deny only those transactions that might be illegal, or at the very least, those not GUARANTEED to the people by the US Constitution. 

While I do believe that businesses in the United States, for the most part, should be free to set policies as they see fit, this particular policy tends to force other businesses into breaking federal age discrimination statutes in order to continue doing business with them. Since it violates the rights of so many others, I hope that if XXXX does not voluntarily revise or abandon this policy, they might be legally compelled to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i sent Transunion a certified letter because Transunion reinserted an account back on my credit report after removing it. 
15 USC 1681 ( b ) ( i ) Certification of accuracy of information if any information is deleted from a consumers file pursuant to subparagraph ( A ) The information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information " CERTIFIES '' that the information is complete and accurate. 
I have requested a description of the procedures used to determine the accuracy and completeness. I also requested a copy of the " Certification " received by the furnisher. 
XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  XXXX # XXXX Transunion fail to respond to my request, they updated my account as verified. I was never given a description nor a copy of the Certification. 
I was completely ignored, my concerns were not meet.
Product: Money transfer, virtual currency, or money service

The exchange rate that Western Union ( WU ) quoted was very much different than the local rate where the money was picked up. I sent {$300.00} and WU paid out {$460.00} BAM ( XXXX XXXX BAM ). However, the local rate is XXXX BAM for XXXX XXXX Therefore, WU made XXXX BAM ( if sold at XXXX local rate ) which equals about XXXX XXXX plus {$7.00} fee. After all WU made about XXXX $ profit which is hefty 10 % on transaction. This is very unfair practice and I am not sure why/where is WU getting this exchange rates before sending the money. There are millions of customers who are getting scammed into this practice/pattern. For the same transaction, XXXX charges XXXX $ and the exchange rate is XXXXBAM for XXXX , which is the same as the local exchange rate. I understand that rates change daily, in minutes, and hours ; however, I think XXXX intentionally quotes the exchange rates very low in order to generate more profits. This is unfair and deceptive practice by which XXXX generates millions of dollars and tells consumer that they are charged only XXXX . 

Money Sent XX/XX/2019 - Picked Up XX/XX/2019 in XXXX. WU did not have reasonable explanation for a such huge difference between exchange rates.
Product: Credit card or prepaid card

I applied for a Barclaycard on XX/XX/XXXX. I received an email stating that I would be contacted with 10 days about the status of my application. By XX/XX/XXXX I had not been contacted so I looked it up myself and found that I was denied. As I make enough income and have credit in the upper 700s, I was very confused as to why I was denied. The notification stated that I was sent a letter explaining my denial, which I never received. I tried contacting several numbers and each one either required a credit card number to continue, or the representative told me they could not help me. I was finally given a number to call that should work, so I tried that. The first day I was on hold for 3 hours before I had to take a work call. The next day I was on hold for 2 hours before I had to take a work call. As someone who works in the lending business, I know that Barclays needs to provide me with an Adverse Action Notice which I did not receive. There is also no way to contact Barclays unless you are already a customer.
Product: Debt collection

Received a Bill From XXXX XXXX XXXX Penn Credit Corp placed a collection on my credit that needs to be disputed. I have paid all of my XXXX obligations and have no existing obligations.
Product: Debt collection

Received a bill for ambulatory service ( {$3400.00} ) and disputed the bill, have not heard anything since the written dispute and just received an email from XXXX that I have a collection showing on my credit. They should be required to notify us the status of the dispute so that we have a chance to pay the debt before going to collections. The ambulance service on XX/XX/2021 was for a minor child that was not needed and when we declined we were told we did not have the option.
Product: Mortgage

We are selling our home to purchase another. My lawyer tried to contact mortgage company which said I have to call. I have tried to call multiple times and login but there was a breech. Now I can not close with funds until resolved. I was never notified that I would not be able to access my account. I can not login for statements nor make a payment.
Product: Credit reporting

Hello, Both XXXX AND Equifax are reporting an UNRECORDED judgment improperly and illegally! I disputed XXXX different Judgements on my Credit Reports. # XXXX & XXXX XXXX & XXXX ( this is XXXX still remaining on the XXXX report ). Equifax did not remove anything Instead they verified them and refused to remove them! I would like to file a complaint against Equifax & XXXX please see attached XXXX pages of documents there are NO Judgements against me in the record of deeds office! Equifax & XXXX are the only Credit Reporting Agency that has refused to properly investigate an account on my report of a recorded judgment. I have provided proof that there is NO judgment of record and their reporting of a case file judgment that was never completely adjudicated and recorded as a legal instrument is a clear violation of the FCRA. I reserve the right to take further action including filing appropriate complaints with the XXXX on XXXX violations and the XXXX under the penalty rules of the XXXX ( XXXX/XXXX/XXXX ) interpreting and implementing provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ), New York 's consumer protection agencies, XXXX and to take civil action to recover damages. Please note that Equifax Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. ( Section 1031 of the Dodd-Frank Act ). I have sent Equifax & XXXX a copy of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

have to late payments XXXX XXXX first premier and XXXX XXXX XXXX  XXXX sent dispute directly to both companies and dispute wiyh all three credit buearus its been past 30 days no statement from companies have been submitted to credit buearus and buearu did not remove also a have 2 XXXX federal accounts that transunion hasn't removed please remove under the ftc report on those two accounts under the 605 act
Product: Credit reporting, credit repair services, or other personal consumer reports

A mortgage lender attempted to pull credit file from Equifax but unable to do so. I called Equifax and there seems to be no issue ( no freeze, etc. ). The lender is still unable to pull credit file from Equifax.
Product: Debt collection

On XXXX I received a letter dated XXXX from American Coradius International LLC, XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, NY XXXX, stating I owed XXXX XXXX/XXXX XXXX   {$110.00}. The letter also stated I must respond within 30 days to dispute the validity of this debt. Also, American Coradius International LLC is willing to accept {$52.00} to resolve the account. 

The wording sounded suspicious. Their willingness to take a reduced amount on the first contact from this company sounded suspicious. The fact that I do not recall having a balance with XXXX XXXX XXXX made me suspicious. I checked my account with XXXX XXXX  online and it shows a balance of {$0.00}. I called XXXX XXXX, and they were unable to find an account with my name or SSN on it, or even find an account with the number that was provided by the letter from American Coradius International LLC. 

I believe this is an attempt to swindle me. 

I do not want to contact this company because I believe they will not answer any questions unless I provide them with personal information that can be used illegally. 

contact information provided in the letter : American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX reference numberXXXX Amount owed : {$110.00} Resolution amount {$52.00}
Product: Debt collection

My sister received a call for me. Somehow. Because I've never given anybody her number. I called. A lady answered " Hello ''. That was it. No business name or anything. She tried transferring me to somebody, but I got a voicemail that still didn't tell me who I was calling. I called back. Another lady answered " Hello, this is XXXX ''. I gave her my name. She told me they're the collection agency for Elan Financial. She then proceeded to give me my date of birth, social, previous addresses, and previous employer .... She seriously just gave me all that information. Anybody could've called and said they were me, and she would've given them all the information needed to steal my identity. I use to work in collections, and I'm 99.9 % sure that's illegal.
Product: Payday loan, title loan, or personal loan

I received a loan from bright lending in XXXX. I recently discovered that these types of loans are illegal in my state. I have repaid nearly the full {$500.00} original loan.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Experian credit report : XXXX XXXX XXXX Account number:XXXX  Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to freeze my credit with Experian. I had absolutely no problems doing this with XXXX and XXXX. Every time I try to do this with Experian, I fill in my application, and then it asks me credit reporting questions. I know I'm answering them correctly yet each time it tells me that it can't honor my request. This always happens as well when I try to access my yearly free credit report. 

It seems to me they are making sure to reject any request and I shouldn't have to jump through this hoop just to protect my credit and identity. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

For the past 6 years or so I have repeatedly been contacted by a credit collection company claiming very vaguely that I have not responded to paperwork sent to me for a debt they claim I owe. 2 years ago they actually contacted my elderly parents at their home and indicated that they were looking to serve me. I have not ever lived at this particular address of my parents, nor have I ever lived in that State ( New Hampshire ). 

When ever I call and speak with them they claim I owe for a debt that was paid directly to the creditor at least 10 years ago, the account no longer appears on my credit report and I have since moved and can not find my paperwork for the account. They claim I owe the debt unless I can prove otherwise and they insist that they are going to serve me. 

It happens like clock work about this time each year and then I threaten to have my attorney call them and I ask them to stop contacting me and they stop for about a year. I have to date NEVER received any paperwork from them and they refuse to speak to my attorney. 

Today the company that called was XXXX XXXX XXXX at 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX  Date opened XXXX XX/XX/XXXX Balance : {$430.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX XXXX XXXX {$520.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$800.00} ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX.
Product: Checking or savings account

Hi, I am reaching out because my Bank of America checking account was closed due to suspicious activity back in XXXX in XXXX, NY. I accidentally allowed someone to withdraw money from my account using a check that wasn't mine. Although the money was not withdrawn, the check was briefly deposited into my account before it was empty. Since the money was not stolen, I didn't contact the bank immediately. I tried to resolve this issue by contacting the bank multiple times in XXXX, XXXX, and XXXX, but they were unable to assist me. I was an international student at the time, so I didn't expect that such a situation could happen because this person asked me to help him, and I thought that he didn't lie. As a result, I have been unable to open a checking account with any bank I have approached after this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated XXXX XXXX, 2017 I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2400.00} DEPT OF ED/XXXX  XXXX Balance : {$51000.00} XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022