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

I recently applied for a XXXX XXXX XXXX XXXX of credit with XXXX XXXX  Application # XXXX Located on XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX came back as denied - several days ago - date of denial - approximately XX/XX/XXXX from XXXX XXXX XXXX XXXX Reason - according to the XXXX at EXPERIAN XXXX XXXX XXXX XXXX  Credit card ending XXXX - balance - {$140.00} - due date XX/XX/XXXX - PAID - check # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX  can a balance even make it on a credit report prior to date of delinquency?! 
XXXX ) XXXX XXXX Credit card ending in XXXX - balance - {$3600.00} - I don't even have a current or previous balance for this card # near this amount- I have a card XXXX paid {$3600.00} check # XXXX - also card ending # XXXX - XX/XX/XXXX - PAID - check # XXXX - {$2400.00} and card ending # XXXX - check # XXXX XX/XX/XXXX - PAID {$1500.00} XXXX XXXX  due date XX/XX/XXXX -THEY DIDNT EVEN GIVE ME THE CHANCE TO PAY IT SO i SUPPOSE THE CREDIT CARD BALANCE MUST BE PAID PRIOR TO RECEIVING THE MONTHLY STATEMENT IN ORDER TO NOT GET A BAD RATING - XXXX XXXX - SO THEN WHAT IS THE POINT OF HAVING A CREDIT CARD IF THE BALANCE MUST PAID IN FULL EVERY XXXX  TIME ITS SWIPED! 
XXXX ) XXXX XXXX ending XXXX - This is the XXXX XXXX XXXX statement I have ever received from this company to date - PAID - XX/XX/XXXX - check # XXXX - {$230.00} due date XXXX XX/XX/XXXX XXXX ) reference # XXXX - PAID - {$63.00} Check # XXXX to ACCT - XXXX - XXXX XXXX XX/XX/XXXX XXXX ) reference # XXXX - PAID - {$220.00} to XXXX XXXX XXXX check # XXXX - XX/XX/XXXX I am not sure why this XXXX is on XXXX report- I have photo copies of all these checks in pdf format but apparently I cant send them to you because as stated above " Do not include personal information, such as your name, account number, address, Social Security number, etc '' Yet throughout the multiple attempts I made to contact a " living '' human being at EXPERIAN to address these discrepancies on my credit report - that is the first XXXX  thing they request " for my security '' whether via telephone or e-mail is FULL SOCIAL SECURITY NUMBER XXXX XXXX ADRRESS AND XXXX XXXX EXTENSIVE PERSONAL IDENTIFYING INFORMATION IF YOU ASK ME I thought an individual was allowed to pay a credit card balance by due date BEFORE IT WAS CONSIDERED IN ARREARS AND WOULD REFLECT NEGATIVELY ON A " CREDIT REPORT '' XXXX XXXX For at least the past 6 or more years there has not been a single credit card balance I have not paid in full You can see how long ago the " XXXX XXXX XXXX XXXX' amounts were paid - IT IS BEYOND ME WHY IS XXXX IS EVEN ON ExPERIANS REPORTS - after the checks have been deposited into accounts Please help with this problem Thank You and Please excuse my frustration To me this is unacceptable business practice
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Capital One, XXXX XXXX XXXX XXXX  have all reported to the credit bureau that my accounts were charged off. My rights show if a company charges off my account it is paid in full and they must provide a 1099C to me.

Not only have some of these companies been paid without providing the 1099C they continue to illegally update my report and sold account that has been paid to a collection company without permission from me to sale my information These are multiple violations on companies behalf
Product: Credit reporting or other personal consumer reports

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

I have already disputed these items with the bureaus but they did not remove them, nor prove validation. 

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
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XX/XX/year>
Product: Credit card

on XX/XX/year>, i was recommended by Bank of America to apply for a Business Advantage Secured Mastercard Credit Card and was denied. regardless of any reason for being denied, i have the right to my credit. withholding access to my securities is securities fraud. Bank of America is violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Bank of America is has discriminated against me on multiple applications and this will no longer be tolerated. they have used my social security number for the their own benefit and continue to violate my rights as a consumer. at XXXX XXXX i spoke with XXXX from bank of america on a recorded line, where he admitted bank of america was discriminating against me due to my credit report.
Product: Debt collection

Fraudulent information Block under Section 605B of the FCRA. I have constantly requested the removal of fraudulent accounts and inquiries on my credit report due to identity theft.

The inaccurate information is causing significant harm to my credit, I have constantly disputed these items and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file.

I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this complaint Account Name : RESURGENT/LVNV FUNDING LLC- {$740.00}
Product: Vehicle loan or lease

I had XXXX  XXXX, send for Title for car, from Santander USA, In XX/XX/2021. I called and talked to them on several occasions, from XX/XX/2021, Until this Day, when I requested again by Santander Email Address. This is XX/XX/2021. This car is just sitting, and rusting, because I can't get the Title, To get tags. They been lying saying Mdmva, didn't have an address. Only a XXXX XXXX XXXX Then They said it got lost in the mail. So can you Please Help me.
Product: Credit card or prepaid card

I don't remember apply for Citi Double Cash Card in my name on XX/XX/2018. I have filing dispute case to XXXX  and XXXX online today. I have not proof of someone uses my private information and email, too. Also sent spoof email address to XXXX today about this serious issues.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my XXXX account was suddenly disabled. In an attempt to recover it, I searched for XXXX customer service number and called what appeared to be the official contact number. Unbeknownst to me, this was a sponsored scam link that connected me to a fraudster impersonating XXXX support. 

The scammer, XXXX, who appeared professional and knowledgeable, falsely claimed that my account was disabled due to fraudulent XXXX activity on my XXXX ( which is linked to my XXXX ). He convinced me that in order to regain access, I needed to clear certain charges that were allegedly affecting my account by completing transactions that he would deny afterward. 

How the Fraud Was Carried Out The scammer and I were on the phone for over two hours, following his urgent and seemingly logical instructions to protect my account.

During the phone call, I received repeated text messages with links to XXXX transactions that he directed me to complete. Five repeat charges of {$990.00}. 
Each time I completed a transaction, he claimed it didnt go through and insisted I try again When I finally realized I was being scammed, I immediately ended the call, contacted Chase , and filed a claim.

I also reported the incident to the Internet Crime Complaint Center ( IC3 ) Chase is denying my claims and is leaving me in a position where I need to take legal action. The money that was requested from me was under fraudulent circumstances and the charges should be reversed.
Product: Student loan

Nelnet is unresponsive. My repayments are scheduled to start in XXXX, but the payment of {$5600.00} per month is impossible for me to pay. I've tried to apply for an alternative repayment plan ( XXXX or XXXX ), but Nelnet will not respond. It has been several weeks. I uploaded financial documents and email them often, but no response. Also, I'm concerned because Nelnet has not factored in the years of payments I've already paid. All of the plans lost 25 years of repayment.
Product: Mortgage

I spoke with XXXX XXXX of PHH A review was in place for loan mod Today I called PHH and nothing is being reviewed An investigation needs done on PHH
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a late payment on XXXX ... this is a 30 days late payment that i dont recognize as mine, because i never been late on this account. If yes, you must to send me proof for this late payment...
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX THE BUREAUS Reported : XX/XX/XXXX - {$880.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious THE BUREAUS Reported : XX/XX/XXXX - {$880.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT FROM EQUIFAX
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 15USC1681.15 U.S.C1681 section 602 A States I have the right to privacy.15USC1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.15USC1681c. ( 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 USC1681s-2 ( A ) ( 1 ) A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Account Number XXXX XXXX Reported Balance {$590.00} Account Status CHARGE_OFF Available Credit - {$190.00} I recently checked my credit report and saw some inaccurate account reporting. 
This agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.
Product: Student loan

I am currently a student at XXXX XXXX XXXX XXXX still taking classes at least half time. This was the requirement presented to me when I left XXXX. XXXX XXXX in order to defer my loans. As of XX/XX/2017, Navient has told me that they do not offer this option on their private loans and that I have gone past the allowed amount of time in school or not, therefore I must start paying my loans now. Initially they wanted over {$900.00} a month which I do not have access to. After many conversations with them and finally having them call my father they lowered the price to {$290.00} per month, but only for the next 15 months, despite the fact that I was and, again, still am in college and still working to graduate. 

My initial loans for XXXX. XXXX XXXX were given by XXXX through XXXX XXXX as XXXX XXXX did not offer loans for the school directly. Without my knowledge or consent they were sold/transferred to Navient and I have had nothing but problems with them since. At first they would tell me I wasn't in school, even though I was, then they changed their story to I must pay the private loans regardless of my school status. 

As of today I have paid {$1700.00} and next week they i will pay another {$290.00} bring my new total to {$2000.00}. This month I also need to purchase all my supplies for my spring semester and hope I have enough money when all is said and done to still pay bills and feed myself.
Product: Checking or savings account

US Bank is refusing to honor a {$500.00} sign up bonus for direct depositing $ XXXX days. 

I disputed this & had several managers at US Bank review documentation. Even though numerous US Bank employees confirmed the bonus offer was correctly attached & valid for me ; once I began asking for the bonus, USBank told me I am " not the intended recipient of the offer '' and as such could not honor the terms. 

I did receive an advertisement offering the bonus ; however, I no longer have the original copy - US Bank is attempting to use this as the excuse not to honor the bonus. 
However, there is a currently offer for anyone who visits USBank.com to receive the same offer, regardless of original source.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I filed for Chapter XXXX bankruptcy and the SECU/LOCAL GOVERNMENT account was included. Recently, I viewed my reports and see that Experian is still reporting a balance of {$4500.00} when it should be {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an auto loan from XXXX XXXX XXXX who stop reporting my Car loan to the credit bureaus and now they merged with another company called prestige financial. I have been calling them for a month and now they tell me they do not report car loans anymore which took my score. I have no credit score now yet I am up to dat on all of my payments and have been current with a balance and still pay for the auto loan yet they refuse to report to the credit bureaus. I need some help please as I am trying to buy a home.
Product: Credit reporting or other personal consumer reports

I have not been about to obtain my Equifax reporting online, I called and spent an hour on the phone going through live ID Verifications and they said to give it 24 hours to appear its been at least 2 weeks and nothing, I have have able to peek using the annual and I saw that it said my " File was blocked for promotional purposes "!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it says my current address is an address Ive never moved too at all, but my old address is where I am currently, Ive never had a place in my name since 2016 but on my credit report it has me at this address that I never moved into or even authorized and this is fraud someone is using my information to move to places without my consent and want them to be sued for this asap.
Product: Mortgage

The initial complaint is with XXXX XXXX. XXXX .Who was a division of XXXX XXXX XXXX will no longer have any correspondence with me as they do not service my mortgage anymore. Close the end of a forbearance period In 2021 I had applied for and was given a new interest rate of XXXX XXXX. 
The new bill clearly spelled out the individual amounts which was to go to Principal, Interest and Escrow. I began paying the total amount which was {$1000.00} {$260.00} : for Principal, {$420.00} : Interest, and {$330.00} towards Escrow. 
The outstanding Principal at the beginning was {$150000.00}. 
I was late on my XXXX payment but Doubled up on my XXXX payment. 
I called in to let them know what I did, I was told that I was not late in fact I had overpaid!, which came as a surprise to me. 
Looking further at my Statements December 2021-May 2022 my statement had {$260.00}, going to Principal, {$420.00} to Interest and {$0.00} going to ESCROW. 
I asked about this several times, even asked to speak to a XXXX who told me all was well. In XXXX I received a letter stating that my taxes and Insurance had to be paid, as there was insufficient amount in my Escrow account my Escrow payment amount would now have to increase. My new Monthly payment would be {$1100.00} with {$440.00} going to Escrow. In XXXX of XXXX again received another assessment This time my Monthly payment would be {$1100.00}, with {$510.00} XXXX going to Escrow, {$260.00} Principal and {$410.00} to interest. 
In XXXX the mortgage was transferred to Fay Servicing. I called about paying my XXXX Mtg but was told I couldn't as I had no account number. I was able to pay both XXXX and XXXX. I have now received another statement from Fay servicing, stating that I have insufficient amount in my Escrow account, my new monthly payment will be {$1300.00}.

My interest rate has gone down but my payments have increased and principal is increasing. *****There obviously was a dire mistake at the start which has continued to snowball. If this continues, I WILL NOT BE ABLE TO PAY MY MORTAGE. 
Please help solve this unfair mistake that I'm paying for. 
thank you XXXX XXXX ( XXXX ) XXXX
Product: Credit card

I have a Best Buy card issued by Citibank Retail Services. On XX/XX/XXXX, I made a purchase of {$530.00}. I was not informed that a {$5.00} donation to the Best Buy Foundation would be charged to my account. As a result, I had to contact the store to get a credit for the {$5.00}, which was a difficult process.

The purchase was supposed to be part of a no-interest promotion with payments spread over 18 months, and I was supposed to be making a minimum payment to be allocated towards my entire balance on my card. I also made other purchases on XX/XX/XXXX and XX/XX/XXXX. However, when I make the minimum payment, the payment is not being allocated across all my purchases. 

Looking at my bill, I see that I am being charged a promotional minimum payment specifically for the {$530.00} purchase, while I am not being charged similar minimum payments for my other purchases totaling {$420.00} ( due in XX/XX/XXXX ) and {$2000.00} ( due in XX/XX/XXXX ). The {$530.00} purchase is not due until XXXX, so this situation seems inconsistent. 

Now, when I make my minimum payment, it is being applied entirely to the {$530.00} promotion minimum payment due for this purchase which isn't due until XXXX, rather than to the other purchases that are due in XXXX. I contacted the customer service center at XXXX, where the representative couldnt explain why this was happening and transferred me to a manager named XXXX. When I asked why I was being charged this promotion minimum payment, XXXX explained that my {$530.00} purchase didnt meet the full amount required for the 18-month promotion without incurring the promotion minimum payment.

I informed the manager that the sales representative in the store had explained the promotion differently, and that this was not the agreement I signed up for. Despite this, the manager stated there was nothing he could do to resolve the issue. I find these practices to be very misleading, manipulating and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This acct is showing a miss payment as of XX/XX/XXXX this acct has been closed since XX/XX/XXXX and some has ever contacted me about this acct!!

Please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit report with Experian, XXXX XXXX, XXXX that I have an issue with. I have done online disputes with all three companies at 3 different times. Each time I dispute the accounts the credit reporting agency states that the information is reported correctly. 
The two accounts with errors have the wrong account open date. Both accounts state that I open them in XXXX. I believe the correct date is in XXXX because the debts are at least a couple of years old. The accounts also have been closed for at least two years. 
Each time I try to dispute the items the credit report agencies never update the information and state that the information is correct. 
I am not able to prove the account dates and I am requesting assistance obtaining this information.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, have violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

good morning I have an account with NetCredit financial. The amount of the loan is {$1900.00} and my monthly payment is {$160.00} For over a year I got laid off from my job so I called Netcredit asking for hardship. They told me not to make any payments but they kept sending me bills anyway. 
I called them and begged to settle this account, they told me to pay {$2000.00} to catch up and resume my monthly payments. 
Because of their predatory lending now my balance went from {$1900.00} to {$4000.00} and we still have 2 years left. 

I understand NetCredit is a part of whats called XXXX XXXX XXXX XXXX and they must be stopped. 
Could you please help with this matter. 
My account number with them is XXXX Thank you so much. 
XXXX XXXX