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

XXXX has been non-compliant with removing the unverified account BANK OF AMERICA which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that BANK OF AMERICA was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting

I just filed a complaint against equifax because, after repeated attempts with no results to get my report changed, I contacted CFPB and filed a complaint. Thanks to your good work, Equifax now shows that I filed for bankruptcy in XXXX. They do n't show that my petition was also discharged in XXXX. Also, the date of reporting is currently listed as XXXX but I first sent this information directly to Equifax in XXXX so I 'd like my report to reflect that the bankruptcy was reported several times in XXXX. Without notice of discharge, my loan officer ca n't give me a better interest rate on my car note. I 'm trying really hard to reduce my monthly payments in order to make my expenses more manageable. I 've attached the notice of bankruptcy discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint, to inform you about some issues with my credit report. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report and I do not believe I was late on the dates they are reporting. These accounts should not be showing the current status of late since it's already been paid for. It seems impossible to accrue late on accounts that have already been paid. Correct the following accounts immediately : DEPT OF EDUCATIONXXXX XXXX Balance : {$6600.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$4900.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$4700.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$4000.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$3800.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$2600.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$2600.00} ; DEPT OF EDUCATIONXXXX  XXXX Balance : {$2400.00} ; DEPT OF EDUCATION/XXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$130000.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1

5 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, credit repair services, or other personal consumer reports

I have tried to dispute this item that continually reports and shows on my credit reports and it does not belong to me. I have never seen this account before and it just mysteriously appeared on my credit showing as a new credit line with a current date. I have contacted all three credit reporting agencies and they have yet to remove this erroneous error from my report. It is listed as XXXX XXXX XXXX   collecting for a company called XXXX XXXX XXXX. I have never even heard of this company and with this derogatory mark sitting on my credit reports, it is inhibiting my chances of purchasing a home because of my score. Please help! 

Original creditor : XXXX XXXX XXXX {$250.00} XX/XX/2017 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information
Product: Debt collection

I have an outstanding payday loan XXXX XXXX store and had issues with payment due to identity theft. I received a call from a collector threatening to come to my house and job. He left a number but no name. I called the number given and it is National Check Resolution who was helpful but stating that it is an outside agency is the one that contacts debtors and that " they should not threaten but they do what it takes to get deadbeats to call - it worked right. '' I acknowledge that I owe the debt but being belittled, embarrassed and harassed is not right. This gentleman from the outside agency called me today XXXX XXXX every XXXX minutes to my cell as a private number and left the message about XXXX XXXX
Product: Student loan

ECSI XXXX., based in XXXX, PA, services my XXXX loan There have been at least XXXX instances where they conveniently delay the processing of my timely-made monthly payment, so that an additional {$10.00} late fee is applied.
Product: Student loan

I requested a refund from my loan. I was sent a check for XXXX check # XXXX XXXX. I thought I lost the check and didnt deposit it. I went to my bank for a loan and found out I was delinquent on payments for this amount. I didnt know I was responsible for repayment especially since I didnt cash it. 

I called edfinancial a couple of times. I soon found the original check. Each time I called I was given different information on how I should go about this since the check was now expired for 2 years. 
I requested to speak with a supervisor multiple times and was told I would get a call but I still havent. I wanted to know what the appropriate steps to take to get a speedy resolution, especially since each rep gave me different information. 

Today I called to see the status of a new check but was told my address was wrong. Calling multiple times and verifying my information each time it does not make sense that they would have the wrong address. I was told the check was returned because of the spelling of my address. 

I was told today that it may take another XXXX months to receive a new check. Meanwhile the interest continues to accumulate on my account.
Product: Credit card or prepaid card

I had made a couple of purchases using PayPal credit ( Synchrony Bank ). These purchases are showing up on my statement but they are showing up twice on my statements. They are showing the original valid charge, but they are showing another charge the very next day for the exact same amount which is a duplicate. This has happened for 4 transactions. On my statements, the 4 valid charges are showing and then a day later from each of the 4, another charge for the exact same amount. Synchrony insists I was not double charged and I have tried several times to get them to resolve this, they have not and keep insisting I wasn't double charged despite the double charges appearing on my statement for a few months and also showing on their website. I believe they have something terribly wrong. They can tell me I wasn't double charged, but their bill to me shows me I was.
Product: Credit card or prepaid card

NetSpend locked down my funds with no notification and no explanation after 4 years. Considering they also screwed up my tax return direct deposit, this was the last straw. They locked me out of my account and my toddler daughter 's XXXX funds for several days and then closed my account and are mailing me a check in 10 days. Every day I called they would only read me a list of reasons it " could be ''. I sent the govt issues documents ( drivers license, W2, social security card ) they said they would respond in 6 hours. I had to call every day. For days. Never told me why. They block access to my baby 's funds for 15 days, ruining spring break for both my children and said they have the right not to give an explanation. Dont trust them with your money.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$1300.00}
Product: Credit card or prepaid card

I have never used the card and my first direct deposit was supposed to be loaded onto the card on Friday XXXX XXXX. On Thursday XX/XX/2019 I started to get text alerts around XXXX XXXX  that all kinds of charges were being made from that card. I looked to find out my card was not in my possession. I immediately called to report the card stolen. It's been since last week and they still won't issue me a new card and still won't credit back the amount taken from me which was over {$300.00}. I need to access the funds so I can pay my rent. Otherwise I face becoming homeless.
Product: Credit reporting or other personal consumer reports

I had XXXX XXXX XXXX XXXX cards. 
I had received an offer to pay off the cards in exchange for having the late/derogetory remarks removed from my credit report. I agreed to pay both cards, yet they still keep reporting negatively on my credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute multiple fraudulent accounts that have appeared on my credit report under my name, XXXX XXXX XXXX. I did not open these accounts, nor did I authorize anyone else to do so on my behalf. These accounts were established without my consent and are the result of identity theft or unauthorized activity.

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the legal right to dispute and request the removal of any inaccurate or fraudulent information on my credit report. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute incomplete or inaccurate information and requires the credit bureau to investigate my claim within 30 days.

FCRA 605B ( 15 U.S.C. 1681c-2 ) states that when an account is reported as resulting from identity theft, the credit reporting agencies must block the fraudulent information within four business days.

CFPB protections reinforce my right to accurate reporting and require credit bureaus to act in my best interest when investigating fraudulent activity.

I demand that these fraudulent accounts be investigated immediately and permanently removed from my credit report. Additionally, I request that you send me a copy of the investigation results, an updated version of my credit report reflecting these corrections, and a letter confirming the deletion of the disputed accounts.

To support my claim, I have attached the following : A copy of my government-issued ID A completed FTC Identity Theft Report Failure to remove these fraudulent accounts will be a violation of my consumer rights under federal law, and I will not hesitate to escalate this matter to the CFPB or pursue legal action if necessary.

Please confirm receipt of this dispute and respond in writing within the legally mandated timeframe. You may contact me at XXXX XXXX, if you require any further information. 

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

On XX/XX/2023 I received a guarantee offer from credit karma stating that I had outstanding odds that Ill be approved for receiving a credit card. It stated that if I was denied I would receive {$50.00} within 60 days. I applied for the card believing in the outstanding odds or exceptional odds only to be denied and my credit score was affected. I received and email the same day about the denial and that I qualified for {$50.00} just follow the steps to accept it. I did what the email stated and was told Ill receive {$50.00} pre paid or gift card within 60 days and havent yet. I contacted credit karma several times after the 60 day mark and each time they stated let the investigate the matter. I sent email confirmations of the offer received from them, the date, and the company to which I was denied. All Ive gotten is the run around or no response after they so call stated they was sending it to upper management. I was even told Ill have to contact the company XXXX about the {$50.00} because it would come from them. I contacted the company and they stated they had no information about me nor no information about a gift or pre paid I was said to receive. Credit karma is doing fraud practices by luring consumers inti applying for a card and stated the will be approved and if not they will be guaranteed to receive and {$50.00} offer. Then they act as if they do not know anything about it after your credit is ruined by their false advertising and putting consumers in an even worser situation with their credit for their own personal gain with the credit card companies. Their should be a class action lawsuit about credit karmas misleading practices and I want to be apart of it. Because if they will be dishonest about a situation of such degree involving your credit they shouldnt have a company with the access of millions of individuals personal information because now they arent to be trusted. They are running a scam to get people to apply for credit. My name is XXXX XXXX XXXX XXXX
Product: Checking or savings account

Well when I had Wells Fargo back in XXXX  I had a lot of problems like, questionable fees that they couldnt give me answers about, somehow over time like XXXX dollars of my money just disappeared and the only thing that they could tell me that they was working on it, and I never got a response. So I end up closing my account cause they tell me that I had owed them money, when they took all the money from me.
Product: Debt collection

I am unaware of this debt or company, I have received any bill or written correspondence for my right to dispute thus collection
Product: Credit card or prepaid card

I closed my account back in XX/XX/2019 because Capital One was letting all these charges come thru on my account even tho I told them it was fraud. In XX/XX/2019 I receive a letter stating they applied the charges back on to my account and then let 3 additional charges come through on ny CLOSED account. I was on the phone with Capital one for 30 min and the lady ( XXXX ) tried to tell me they had proof from the company that I reported fraud on that I used the account. I told her I want this proof because I never approved these charges which is why I reported fraud in the first time. I also told her that if my account was closed in XXXX how did I get the same fraud charges again in XXXX? I asked for a manager and I was on hold for 30 minutes and nobody ever came to the phone. Im at my wits end! I did not do these charges and Capital one will not help me
Product: Consumer Loan

Santander Bank has a collections account listed on my credit report for the past 3.5 years. I have been trying to get this off of my report for a along time. I have sent a police report and a FTC Affidavit to them on several occasions and they have never responded to any of them. I called an emailed and called and emailed and absolutely nothing. This account is fraudulent and needs to be removed from my credit report and this is n't fair to me to continue to have to go through this. I have been fighting this for over 3 years and it needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian permanently blocked and deleted XXXX XXXX XXXX  from reporting on my credit profile on XX/XX/ but onXX/XX/XXXX they reinserted the account on my credit report. The account is a fraudulent account in the amount of {$25000.00}! Per FCRA section 611 Experian has to notify me within 5 business days after the reinsertion it is now XX/XX/XXXX and I have yet to receive a certified letter regarding why the account was reinserted. I have filed a complaint with the attorneys general office so I have exhausted all of my resources trying to resolve this issue! The only option I have left since Experian is illegally reporting inaccurate information is to file a lawsuit against Experian regarding illegally reporting fraudulent accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had one account with great lakes loan which was in great stands by the way since XXXX. I received and alert XXXX, XXXX XXXX and XXXX XXXX from my credit report stating my loans were paid and full 100 % of {$27000.00} and the account was closed XX/XX/XXXX. Then a week later I received another alert about dept of education Nelnet who is a debt collector. They told me greatlakes gave them my infomation ( without my consent ) or notifying me and that i should reach out to XXXX XXXX and I did so. Great lakes said that my account was in great standing per the woman XXXX and hung the phone of because i ask her for a paid in full paper due to them reporting it to my credit report. then stated the account was closed paid and full. still never told me that they transfer my account collector without my consent. You can not settle federal student loans or private student loans that are in good standing. With both federal and private loans, a student loan settlement doesn't become an option until you enter loan default. My student loans were not in default. I was not notify of anything no via mail, via email, via phone. This matter had really. Nelnet report 9 account of student loans account to my credit report that all have the same account number. Nelnet reported all to my XXXX. This matter has put me in a deep XXXX. I did not consent to any of this matter and will be reporting this to the FTC USDOE/XXXX- XXXX {$0.00} paid % in full DEPTEDNELNET XXXX {$5300.00} XXXX {$4500.00} XXXX {$1200.00} XXXX {$4600.00} XXXX {$2200.00} XXXX {$2000.00} XXXX {$3500.00} XXXX {$3900.00} XXXX {$1900.00}
Product: Vehicle loan or lease

I was Hit from behind by another car and my car was totaled. I just bought the car so I owed over XXXX dollars. His insurance paid it off but I tried to buy another one and my credit dropped 100 points. My interest rate went way up. I was wondering if you could tell me why?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an FTC report and police report. VW credit has refused to remove this fraudulent account from my consumer report. I sent XXXX XXXX ( VW credit corporate ) a notarized affidavit of Truth. She is refusing to remove it. VW credit broke the law. The dealership forged my signature. The NY attorney general sued them for restitution in the amount of {$300000.00}. The federal laws that were broken are : 15 USC 1 which states EVERY CONTRACT IS ILLEGAL. 15 USC 1605 TRUTH IN LENDING ACT. 15 USC ( b ) ( a ) ( 2 ) ) : A consumer reporting agency can not put anything on my consumer report without written instructions from the consumer to whom it relates. WITHOUT MY CONSENT IS IDENITY THEFT. FORGING SOMEONES SIGNATURE IS A CRIME. I HAVE ASKED VW CREDIT TO PRODUCE THE WET INK CONTRACT SEVERAL TIMES AND TO NO AVAIL IT DOESN'T EXIST. THEY HAVE ONLY PRODUCED A COPY WHICH IS NOT MY SIGNATURE. THE DEALERSHIP IS NO LONGER IN BUSINESS.
Product: Credit card or prepaid card

I have contacted Capital one several times in the past few months on my credit interest rates and asking if they could help by lowering my credit interest. Every time I complain to Capital one, it seems that they increase my interest rate another .25 %. In the past 6 months my interest rate has been raised 4 times, even though I have tried to make additional amounts above the minimum. Each time I have contacted Capital one they have told me that they can not help me and after each contact another .25 % increase was put onto my cards.is there anyway that the FTC can investigate on my behalf on why this is happening. If my interest rates continue to increase I will be forced into bankruptcy. 

I have paid my bills in good faith but they do not seem to care about my on time payments rather just on ways they can increase my interest so that the monthly charges are well above a reasonable rate. 

this pertains to several of my credit cards : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX I am on XXXX and can not afford for every company to jack up their rates well over what I receive in my XXXX  increases. It seems that every time we turn around they are increasing my costs and not increasing my income. The credit card companies seem to be the worst of most of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX put inquiry on my report without my authorization. Even after contacted the company the inquiry still on my report. This is my second complaint about this unlawful action.
Product: Debt collection

Affirm Inc My 4 unpaid accounts were XXXX in a XXXX that was filed XX/XX/XXXX and XXXX XX/XX/XXXX I got this email today Hi XXXX, This is an informational update about Loan ID. You don't need to do anything right now. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX acquired your loan, with an unpaid balance, including principal and accrued interest ( if applicable ). XXXX XXXX XXXX XXXX XXXX now owns your loan and may contact you either directly or through an affiliate or third-party servicer. 
Heres the contact information for XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX MN XXXX To learn more about why your loan was transferred, visit the Affirm Help Center. If you have any questions about your loan repayment, please contact XXXX XXXX XXXX XXXX XXXX at XXXX. 
Regards, Affirm This message is for informational purposes only. It is NOT an attempt to collect a debt. You are not required to take any action at this time in response to this notice. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- - I logged in to my account to see that I have 3 loans in collection, 4 loans that were XXXX in the XXXX. I called to discuss it with them and they said since the email states its for informational purposes only and that they are not attempting to collect a debt, that they are following the law. I'm not a lawyer but I don't think they can sell a XXXX debt to a collection agency. 
I contacted XXXX XXXX XXXX as well and they said there's nothing they can do.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] Dear XXXX XXXX XXXX, I am writing to formally dispute the inaccurate information on my credit report concerning a XXXX XXXX account with a balance of {$52000.00}. This account was opened fraudulently as a result of XXXX XXXX. 

As per the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be removed from my credit report immediately. I have already filed a police report and an XXXX XXXX report with the Federal Trade Commission ( FTC ), copies of which are enclosed for your reference. 

Below is the relevant information regarding the disputed account : - Creditor : XXXX XXXX - Account Number : [ Account Number ] - Current Balance : {$52000.00} I have also disputed this fraudulent account with the other XXXX major credit bureaus, Equifax and XXXX, and am awaiting their written confirmation of the removal of this account from my credit reports. 

In support of my claim, I am enclosing the following documents : 1. Copy of the police report 2. Copy of the FTC XXXX XXXX XXXX 3. A copy of my driver 's license or other form of identification 4. A copy of a recent utility bill for proof of address Under the FCRA, you are required to investigate my dispute within XXXX  days of receipt of this letter. Please remove this fraudulent account from my credit report and send me written confirmation once this has been completed. 

Thank you for your prompt attention to this matter.