23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I had a credit card account with my credit union ( XXXX XXXX XXXX XXXX ) opened in XX/XX/XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - Cardmember Services ) .XXXX XXXX XXXX XXXX is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the end of XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with XXXX XXXX - XXXX XXXX. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX, Equifax, and XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. I am including the statements, correspondence, and other supporting documentation showing original delinquency XX/XX/XXXX from the original creditor ( statements ). 

I was told that I had to create separate complaints for each bureau the information is being reported to incorrectly. I had my previous complaint assigned to XXXX. This complaint is specific for information reported to Equifax on behalf of this matter of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI MY COMPLAINT IS ON EQUIFAX SUPERVISOR NAME LAMONT HE IS FROM NEVADA ID NUMBER ( XXXX ) ... HE IS VERY DISRESPECTFUL, HE DENIES ANY KINDS OF DOCUMENTATION PROVIDED TO SUPPORT MY DISPUTE. HE GIVES YOU FALSE INFORMATION BY MISLEADING YOU NUMEROUS DIRECTIONS. BUT ONCE TRYING TO GET THE DOCUMENTATION HE NEEDS YOU END UP NO WHERE BECAUSE HE LIES JUST TO GET RID OF YOU I AM A VICTIM OF IDENTITY THEFT AND I'M BATTLING XXXX FROM BEING VICTIMIZED HE DOESN'T TREAT SITUATION FAIRLY UNDER THE FCRA LAW. HE COMPLICATES THE SITUATION MAKING IT EXTRA HARD TO REMOVE FRAUDULENT ACCOUNTS I HAD TO CALL COUPLE OF TIMES TO EQUIFAX HIS MAKING A MOCKERY OUT OF MY CASE SAYING YOUR FILE IS NOTATED I CANT HELP YOU.
Product: Student loan

I tried reaching out to Aidvantage today XX/XX/XXXX and after entering the last four of my Social Security number as prompted, the messaging received was that the office was closed. Their hours on the document provided shows they close at XXXX PST and XXXX EST. This shows that Aidvantage wasn't closed, and that is dishonest, the system still does not recognize my information as of XX/XX/XXXX. To this date I have not received any correspondences via mail or email other than payment reminders via email. Additionally, I'm also providing the sign-in from the website as it would not let me login as it did not recognize my information. 
Also, I have a case with the federal student aid, and I communicated with them today as the case is still open. 
The number listed below is the same number on Aidvantage 's website and confirmed accurate by Federal student aid. 
Nevertheless, Aidvantage lied to the XXXX State Attorney General 's Office by stating I logged into the system XX/XX/XXXX, however no definitive date was given as XXXX was still the loan servicer until the end of XXXX. The welcome email from Aidvantage shows XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX AV XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I applied fir a Capital One credit card and was approved for a Card with a {$300.00} credit limit. The Capital One employer told me that only 1 inquire will be apply to my credit report. But that was not correct ... Capital One summit 3 inquiry and pulled my credit with unauthorized inquiry. I only authorized them to pull my credit report 1 time. I tried 3 month to resolve them matter with Capital One but they keep telling to Dispute it with the XXXX, so I did it. I summited a Dispute with XXXX them to tell me that they dont do inquiry Dispute, which is not true. They are 2 inquiry dating on XX/XX/2018 and XX/XX/2018. These inquiries are effecting my credit score bad and negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT names that should be deleted are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  there is an incorrect address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that needs to be deleted. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fee due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I paid debt off. I received letter stating debt was paid. It still showing on my credit as a collection
Product: Checking or savings account

I contacted Navy Federal after I realized my account has been used without authorization and my debit card was missing. I was told by navy Federal to submit a fraud claim in which I did. Within 2 days my claim was denied. I provided the suspects name and even his identification documents. I know for a fact that no human investigated my claim as required by federal law. My account was wiped out for over {$18000.00} in two or three different countries. I cant be in two or 3 places at one time and this has never happened to me before with navy federal. My account was to be credited, yet, nothing happened. No information has been given to me nor documentation showing how a two day investigation was done including if they even investigated into the suspect. I dont feel secure with navy federal.
Product: Debt collection

I sent them documents and a police report of identity theft and they refused to follow the law and delete the fraudulent account
Product: Credit reporting or other personal consumer reports

I recently a copy of my credit report and noticed fraudulent account remover they my credit report I have to file bankruptcy because they made several bills for me please remover these account from my credit report they hunting my credit
Product: Student loan

Fiducius is supposed to be a service provided by the hospital that I work for to help its employees qualify for public service loan forgiveness. Fiducius charged me {$1100.00} to consolidate my student loans. I began this process in XXXX. The {$1100.00} was divided into 4 payments. The 4th and final payment that was due to be drafted automatically from my bank on XXXX XXXX  was blocked by my bank. I called my bank and Fiducius and emailed Fiducius on XX/XX/XXXX to try to figure out what was going on. My bank told me it could have been blocked because there was suspicious activity from Fiducius that the bank had been made aware of. My bank is investigating the matter too and suggested I close out my current debit card and they are mailing me a new debit card so Fiducius can't draft another payment. 
I have tried to contact Fiducius before this and they have never responded to me. On XX/XX/XXXX I also called XXXX and the Department of Education about my student loans. They both informed me that you never have to pay to consolidate student loans. It can be done free of charge through the Department of Education along with signing up for public service loan forgiveness. They said there are several 3rd party companies that will wrongfully charge people to consolidate their student loans. Also on XX/XX/XXXX, I contacted the XXXX XXXX XXXX about my situation. I saw several other Fiducius consumers had the same problem I had with the company. Fiducius charges an insane fee to consolidate loans, and they don't return your phone calls or e-mails after you pay this fee for their service. 
I was supposed to set up income-driven payments for my student loans as well. When I checked my account on XXXX, the income-driven repayment plan had been canceled. I contacted XXXX from Fiducius about this on XX/XX/XXXX and on XX/XX/XXXX she e-mailed me back saying she wasn't sure why and forwarded my email to client services and they would get in touch with me about this. I never heard back from Fiducius. 
Fiducius is falsely charging people to consolidate their student loans. You do not have to pay to consolidate your student loans, but I found this out after Fiducius already drafted and scammed about {$820.00} from my checking account. 
On XX/XX/XXXX Fiducius was already asking me for a renewal fee and to upload my tax information again. I haven't even finished paying the consolidation fee and had just uploaded all tax documents in XXXX. When I e-mailed XXXX about this she said she would forward it to client services and have them get back to me. I never heard from anyone. 
My account has been locked with Fiducius so I can't upload any contract information from their website. 
When you pay a huge fee for services from a company you expect them to be more helpful. They have not tried to reach out, until today after they saw the better business bureau complaint I filed against them.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

- Multiple inaccurate names reported on my credit report affiliated with derogatory remarks - Attempts has been mailed to dispute this directly with Equifax and nothing changed
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Collection Entry on Credit Report Dear Sir/Madam , I am writing to formally dispute an inaccurate entry listed on my credit reports with your agencies. The details of the discrepancy are as follows : Creditor Name : CREDENCE RM Account Number : XXXX Reported Status : Open on XXXX, Closed on XXXX Date Opened : XX/XX/year>. Date Last Reported : XX/XX/year> I do not recognize this account and believe this to be an error. The inconsistency between the XXXX reports and my lack of recognition of this account suggest a reporting mistake or potential fraud. 

In accordance with the Fair Credit Reporting Act, I am requesting that this entry be investigated and, unless it can be verified as accurate, be removed from my credit report. Enclosed are copies of my credit report pages showing the disputed item and any relevant personal identification needed to verify my claim. 

Please confirm receipt of this letter and inform me of the outcome of your investigation. I expect a response within the statutory timeframe of 30 days. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

Already submitted complaint XXXX in regards to payments, payment hold, being told I had returned payments when in fact they were cancelled but still attempts were made to deduct the amount from my account. Then after my complaints started with customer service, all of a sudden I was in collections, mind you never have been past due, late, on any pmt but my account is in collections or Line Management if you will. After complaining about long hold on payments being made forward my MasterCard and after my account we closed on accident on already but reopened the following information I will provide is exactly what I mean that CitiBank has to be doing some kind of unlawful practices. On XX/XX/2019 I initiated a pmt to be made in the amount of {$55.00} after I received notifications my pmt was received and credited that particular balance of {$55.00} was not available to me, again this bank goes putting guaranteed funds on hold towards a pmt. not on XX/XX/2019 I made another pmt of {$55.00} because the original stil was not reflecting on my acct as avail. After speaking to customer service and line management I was told the item had returned unpaid by my bank which it did not and that I needed to pay that amount along with returned fee. Of course I became irate and this is when I began to piece all together right before XX/XX/2019 account closure. On XX/XX/2019 cotibank without my authorization took another pmt for same amt {$55.00} but apparently does not have recorded of that payment so its under dispute with my bank. Low and behold I receive a letter from citi and is attached to this portion of my complaint.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I was a victim of Hurrican Irma in XX/XX/XXXX..I called Chase and they advised that they had a defferred payment plan for customers affected by the Hurricane Irma I enrolled both my Chase credit cards in the program. I was told i would be mailed out written verfication of the program and the specifics and payment due dates. I never received and confirmation of the plan terms or new due dates of payment. 
I believed i was enrolled into the Irma defferred relief program until XX/XX/ i believed. Around XX/XX/XXXX I called up to make payments and they said my account was closed and they would not open even if i made payments that i was charged late fees and that they had reported me to the credit bureau for being over 90 days late.They said that the program was for 30 days not 90 like that i was lead to believe. Further i never got any communication that i was in the deferred program or the dates the program began or ended or when the payments were due.I reuested the program because i was without income for 45 days. Now i have been slammed by Hurrican Irma again by Chase Bank. I told Chase i would make payments and bring my account current but they still would not reopen my account. Chase is more interested in destroying my credit than helping to resolve the matter.. I request numerous times to have a call back from management to help resolve the situation but never received a call back from anyone in Chase authorized to correct the situation. 
ironically i have two credit cards with Chase i called Chase on the other credit card and was allowed to make payments and my account was reopened. Why the double standard. 
Chase should of sent me notice of when the program began and when it ended and when my payment was due. i never received any written communication and i was advised by chase when i enterred program that i would receive confirmation. i thought and believed that my payment was deferred until XX/XX/XXXX as i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT LISTED IS A FRAUDULENT ACCOUNT AND IT DOES NOT BELONG TO ME ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND FILL OUT FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  raised our monthly payment in XX/XX/2023 after our yearly taxes went up on the home from {$2100.00} to {$2200.00}. XXXX XXXX did not notify us of the payment increase until XXXX XXXX. I autopay our mortgage payment through my bank on the XXXX of the month and was paying the {$2100.00} because I was unaware of the increase, XXXX XXXX turned us into the XXXX credit agencies for non payment in XXXX which is incorrect. This action has caused harm to my credit and I am unable to co-sign for my son 's XXXX XXXX loan for his school. I would like the record corrected, the delinquency removed and for XXXX XXXX to stop incorrectly reporting. I have reached out to the XXXX bureaus and they said they only report what they are given from XXXX XXXX  My wife and I have spoken to XXXX XXXX XXXX times and they are claiming they notified us of the monthly payment increase in XX/XX/XXXX ' but that is incorrect. They are pointing the finger and we are the damaged parties. I requested that this issue be escalated to a second level supervisor at XXXX XXXX that reports out the credit file information and was denied. This has caused irreparable harm to our credit file. We have never been late nor neglected our payments to XXXX XXXX