23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 XXXX XXXX XXXX put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/ I sent a letter to Equifax at Equifax Credit Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX about two hard inquires which I noticed as unauthorized and fraudulent credit inquiries made by the following companies : XXXX/XXXX &XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. They did not responded to me within 30 days. Then I sent a 30 to comply letter on XX/XX/XXXX and Equifax has yet to reply to me.
Product: Credit reporting or other personal consumer reports

few accounts are reporting inaccurate information, also multiple fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. The loan for the car says 60 months. My credit report shows that the account with XXXX was closed and paid in full inXX/XX/XXXX. This is incorrect information because I have still been paying a car note every month to this date. I contacted MCMC and they stated that they have transferred my account to another lender named XXXX. I asked who reports to the credit bureau and I was initially told by the general manager that XXXX does, but XXXX is not allowed to give me the phone number or any information about the company because they are just a lender and do not deal with consumers. I explained that it has not been reported that I am paying monthly and my credit report shows that the account is closed. The GM stated that he would handle it. This was in XX/XX/XXXX. The issue has not been corrected. I have asked again who reports to the credit bureaus and have now been told that XXXX does because they service my account and XXXX is just a lender. I have asked XXXX for their corporate office number and they told me again that they could not give that information because corporate does not deal with consumers. I asked who do I make a complaint to and they said a customer service rep like the one I was speaking to. I again asked for information on XXXX so that I can determine why they have not been reporting to the credit bureaus as they stated in my contract, and I was again told that they could not give me any information on the company. I have been told that someone would contact me to handle the situation and I have yet had anyone contact me. The customer service reps will not give me any information except the name of the company is XXXX. XXXX has not reported to credit bureaus about my account since XX/XX/XXXX. My credit report shows that the car loan account has been paid in full and closed. This is incorrect because I am still paying a car note every month. I need to know where my money is going since it is not being reported to the credit bureaus. This company is supposed to help build and establish credit. However, that can not happen if they are taking payments and not reporting to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XX/XX/XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XX/XX/XXXX, TX XXXX SINGLE FAMILY Year of Birth XX/XX/XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusOpen. 
Status UpdatedMar 2020 Balance {$26000.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$960.00} Original Balance {$52000.00} Highest Balance {$0.00} Terms75 Months Payment History
Product: Debt collection

1. I notified Navient by certified mail that three Tuition Answer Loans that I made with Sallie Mae had been discharged in bankruptcy and demanded that they ( 1 ) remove the accounts from my credit reports and ( 2 ) stop collection activity. I provided Navient copies of the Chapter XXXX Discharge, notice ( Creditor XXXX  ) reflecting that my federal loans made with Sallie Mae were held as priority and not discharged but that Sallie Mae 's private loan division did not claim a priority status for the Tuition Answer loans and that they were discharged. ( Audio at XXXX ) 2. I am submitting herewith an audio recording of conversations with a Navient employee who stated she was a supervisor in the private loan division. This audio recording demonstrates that Navient is continuing to make knowingly false reports to the CRAs about three accounts that have been discharged in bankruptcy for over a decade.

3. Three federal circuits have identified these particular loans as not only being dischargeable in bankruptcy, but the courts ' analyses highlight the predatory nature of the loans -- and Navient 's targeting of XXXX college students who are disproportionately students of XXXX  and/or students from historically economically disenfranchised groups. 
4. I am a law student and on XX/XX/2021, was denied a federal GradPlus loan based solely on Navient 's continued reporting of these Tuition Answer loans on my credit reports.
Product: Checking or savings account

Ive had more than one instance were a XXXX transaction was made on my Bank of America business and regular checking accounts with out my permission. I have asked Bank of America to refund me but they did not do so
Product: Credit reporting or other personal consumer reports

I was reviewing my credit profile and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Since XX/XX/2022, I have encountered persistent issues with the Auto-Pay mechanism failing to successfully process payments to Synchrony. Despite Synchrony 's claim that the discrepancies stem from erroneous banking information linked to the Auto-Pay system, I have consistently utilized the same banking details to manually remit payments without any complications. 

I would like to underscore that I have been a loyal customer of Synchrony for over eight years, maintaining a specific account without any record of late payments. It is both disconcerting and perplexing to witness the imposition of fees totaling {$300.00} and the arbitrary reduction of my credit limit in light of these Auto-Pay issues. The latter action has precipitated a detrimental effect on my credit score, which is particularly disheartening given my longstanding and unblemished history of timely payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XX/XX/2023 - {$290.00} Based on : 15 U.S. 1666b - Timing of payments AND 15 U.S. 1681a - Definitions - 2. Exclusions ( A ) i. 
It is my understanding that this information should not be shared publicly.
Product: Credit card or prepaid card

XX/XX/2021 : My credit card was charged {$24000.00} for the replacement value of a rental car damaged in an accident. The rental car company is in XXXX, XXXX, the card was not present for this transaction and card credit limit was {$8000.00}. JPM Chase approved the charge without checking with me. 

XX/XX/2021 : I saw the charge on my card after receiving a credit downgrade alert from a credit reporting agency. I called JPM Chase immediately and the said they would reverse the charge. JPM Chase suggested we call the car rental company. Despite the fact that the rental car company told us they would not charge the card without informing us first, they said they would not reverse the charge as it had already been approved. 

XX/XX/2021 : The charge had not yet been reversed so I called JPM Chase again. They bounced me around between customer service and disputes for 30 minutes. They finally told me they would not be reversing the charge for 15 days. When I asked why this charge was not flagged ( no card present, foreign country charge, 3x the credit limit on the card ), no one would give me an answer, Their fraud prevention department refused to speak with me. 

XX/XX/2021 : The results of this have been devastating. 1. My young adult children who share the card are unable to use the card make purchases of food, gasoline, etc. 2. My credit rating has dropped XXXX points from the low 800s to the mid 700s, making for an uncomfortable conversation with a potential new employer who required a credit check. 

Summary : I believe JPM Chase was incentivized to approve this charge as they know it will need to be paid off over time and they will collect interest over that time period. They also charged me a {$750.00} foreign transaction fee and likely and over-limit fee. We have a claim through their insurance group as the card covers the cost of a damaged rental car overseas. Based on this experience, it seems unlikely they will honor that commitment.
Product: Debt collection

I C SYSTEM Keep calling saying their attorney attempting to collect a debt that i had no knowledge of, i asked for proof in XX/XX/2022 still up till now i haven't received anything, I'm tired of the harassing calls this the only thing i have on my credit I'm trying to buy a house this year and this is holding me up. Please assistance me i have been battling with this for over 2yrs, they call before hours and after callout time i have recordings
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX response XXXX XX/XX/XXXX copy from XXXX XXXX XXXX  copy attach as proof. Payments was paid paid in advance 2 months from purchase of car in which Experian did not record and Experian was late recording the payments as they was prepaid in months in advance. Experian Report # XXXX for XX/XX/XXXX shows payments on page 7 of XXXX XXXX XXXX not showing as paid as the letter dated by XXXX XXXX XXXX  XX/XX/XXXX as showing pay ahead. Experian needs to learn not blame it on the creditor as fault blame Experian for incorrect information showing that was there error in which was not reported correct and effected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft and someone actually opened up a credit card account in my name and I had no acknowledgement of it so I would like to get deleted off my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, XXXX, XXXX, According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract with MY signature on it you have of the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to maintain a proper credit score. 

Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below : 1. ) XXXX XXXX Credit Card 2. ) XXXX XXXX Credit Card Please note that I have opted out in writing to your forced arbitration terms and will be seeking legal relief if this is not resolved appropriately. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

I went into the Citizens Bank in XXXX. Located at XXXX XXXX XXXX XXXX XXXX to see about banking rates because as you know I have had allot of problems with XXXX. They are right across the street from XXXX. When I walked in a was welcomed by a XXXX XXXX XXXX she is suppose to be a XXXX Banker XXXX ID # XXXX XXXX # ( XXXX ) XXXX Fax # ( XXXX ) - XXXX When I asked about there banking I was not going to take out an account I just wanted to know rates and she said let me check your credit she said you qualify for a credit card with a {$4500.00} dollar limit she said we are running a promotion right now and there is 0 % interest for the first year on what ever you spend although you have to pay this off within a year. She then said do you have any other credit cards that you owe money on. I said yes I do owe a small fee of a few hundred dollars on a XXXX XXXX XXXX XXXX credit card. 
I asked her again I said are you saying I have to pay no interest on this card with Citizens bank for the first year she said again XXXX I am XXXX telling you the truth this lady XXXX XXXX said no its our promotion and its for the one year no interest at all on the card. Even on purchases she said although there maybe a small fee to transfer the funds over to this account I said ok let me think about this and call my bank so I did and I told my bank XXXX XXXX XXXX XXXX at XXXX and explained to them about this offer and to not cause any problems I said Citizens bank is running a promotion for one year on all transactions with 0 % interest and I would like to take this offer. They said watch out there is most likely a fee to transfer the funds over to them. I said they said it would be a small fee. So I called XXXX XXXX XXXX and said I will do it if it is no interest for a year lets go ahead and do this she said there is a fee of {$49.00} dollars to transfer the funds to this account. I said ok are you sure there are no fees for a year she again said yes no fees although again she said get what you have to with our card and make sure you pay it off within a year and then cancel it is exactly what she said. So I transferred the {$450.00} dollars over to there bank and I did some transactions for about a month on some things I needed. I then wanted to see my statement and when I looked at it today I seen a interest charge of almost XXXX dollars already. I was really shocked when I called the bank and asked for a manager and told them what are you doing this is suppose to be interest free for one year. This is what XXXX XXXX said. They said no its a 17 % interest charge on all purchases now I flipped out. I said who would transfer funds pay a fee and transfer from a card that 's at 4.99 % to a card at 17 % right there they gave themselves away I really do not care anymore I have had it with this abuse. This women pulled criminal act upon me and I am not happy at all. I am enclosing a snap shot of my statement and you can see the part were its says interest charges. 

Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and equifax completed investigations of 5 school loan accounts that are negative, credit destroying accounts.I disputed them as not mine.they are not mine ;, all 3 investigation summaries are attached.experian came back certified that they are mine.both XXXX and equifax verified that they are mine.THEY ARE NOT MINE! 
EITHER IT IS ID THEFT OR MORE LIKELY THE " UNEDUCATED '' DEPT OF EDUCATION 'S FAULT.I CALLED THEM AND THEY REFERRED ME TO THEIR COLLECTOR SAYING THEY HAVE NO INFORMATION.I UNDERSTAND I CAN SUE THE CREDIT BUREAUS FOR KEEPING FALSE INFORMATION ON MY REPORT AFTER INVESTIGATION WHICH I MAY PURSUE. 
I have attached the investigation paperwork from 31 days ago. 
I want them suppressed immediately, then permanently removed from my credit files and history.The community service Police of XXXX XXXX will be at my house shortly to take a police report and investigate.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 



My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX California XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 



Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 



Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019, Commonwealth Financial Systems added 4 collections to my credit report for XXXX XXXX in XXXX, TX- a city I have never lived in and a hospital I have never been to. I've disputed all of them with XXXX and one was removed within a few hours, I'm still waiting on the other 3 which total up to {$1200.00}. I have also filed a complaint with the XXXX. I have found countless complaints online from people who also got hit with fraudulent collections from this company. If they keep hitting my credit with fake biulls I will not hesitate to sue them.
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a XXXX  XXXX in 2013 that was XXXX. Disputed with Experian to remove it has been more than 7 years. Experian refused to remove it. Tried to dispute again and Experian will not allow me to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX a collection account through XXXX XXXX XXXX  in the amount of XXXX was placed back on my credit report. This collection account with XXXX XXXX as the original creditor was removed in XXXX. I was not notified by XXXX, XXXX, or Transunion that this collection would be placed back on my credit file.
Product: Debt collection

We were attempting to ONLINE pay one of two debt listed with the collection agency. Their online system does not allow individual debts to be paid, they are forced to be consolidated. I attempted to pay the XXXX XXXX XXXX debt ( the lower amount ), but the option to receive confirmation of either debt paid will not be reflected, neither debt is shown paid. If one debt is in being challenged, they force you to pay both in order to get the other addressed and off your credit report.
Product: Mortgage

they didn't properly disclose to me that they were charging me a servicing fee. I paid it on time online and now they are trying to charge me a servicing fee for making a payment online. The amount they state on the first page is the monthly payment amount. It only gets added to the amount they are going to charge on the 2nd page. Furthermore, I tried to cancel it online and they don't have an option to cancel a payment ( it was made on a Sunday ). I tried calling on Sunday before it was processed and they were closed. When I called on Monday ( today ) they said it was already processed and they couldn't do anything about it. The loan servicer gets paid large fees to service the loan. Why do they also need to be shady about charging servicing fees to the people that pay their mortgage?
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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

On XX/XX/2021, I sent a letter in regards to erroneous and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being disregarded. Segment 611 ( a ), It expresses that inability to examine these things inside 30 days gives motivation to promptly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased expeditiously. I request that these records be erased promptly or I will petition for prosecution because of the pressure you have caused me. My data was likewise affected by the Equifax information break and may have gotten under the control of some unacceptable individual.
Product: Credit card or prepaid card

Placed order on XXXX using the payment service Afterpay. 

Order arrived incomplete and missing items, receiving only 3 out of the 8 items ordered. Amount disputed is {$570.00} of the {$660.00} total.

Contacted merchant and they refused to help, recommending to open a dispute with the financial institution Afterpay. Contacted Afterpay but they keep deferring to the merchant, refusing to open a merchant dispute. Afterpay claims that the merchant has direct control over their return and refund policies, but this dispute is regarding neither of those - it's for an incomplete delivery of goods promised.

Afterpay is failing to open a dispute and offer consumer protection services.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I called XXXX to ask questions and they did ask if I wanted to open an account, I advised to them no. XXXXXXXX XXXX XXXX they called me and asked if I was in the market to purchase a new home, they did ask me a series of questions, not realizing they were doing a hard inquiry not only once it is showing up three times on my report. The Hard inquiries. With XXXX, I am not sure of what this inquiry is for. As for the XXXX XXXX XXXX, I do have an account with XXXX XXXX, but it is for my checking and savings account, I am not sure what the inquiry was for. XXXX XXXX I have no clue. 
All I am wanting is to please have these Hard Inquiries deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX is erroneously reporting, this account was paid in full and closed months prior, now suddenly appears on my credit profile as a collections and open. Pursuant to 18 USC8, I owe no debt and had a XXXX balance when I closed this account, this company is violating my consumer right to privacy to 15 USC 168 1b 2. This company has no o permission to repot anything using my info Pursuant to 15 USC,1681 4, Also deformation of my character.