23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My sbi card last 4 digit is XXXX I have told customer executive to close my sbi credit card but customer executive take me in a trap which is use less they told me to get voucher which I have in my card free of cost. 
They do not told me about any extra charge about this voucher value is rs XXXX and it will be paid for this voucher rs XXXX I did not use any voucher but in my statement rs XXXX were there Now I want to close all these matters quick
Product: Credit reporting, credit repair services, or other personal consumer reports

I reahed out to Expirian several times and no answer from them about Incorect personal information on my credit report I demand for it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Should be deleted I never lived there. 
My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I'm was unaware of this account ( Trident Asset Manageme #  XXXX ) and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found inquires that i did not authorize on my credit report iv contacted these companies listed below by phone, email and mail and know has reached out to me or further more no one has even sent an updated report advising me they would be removing these unauthorized inquiries.   Paramount Residential Mortgage Group   XXXX   XXXX    XX/XX/2017      XXXX     XXXX   XXXX   XXXX     XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked XXXX, trans union and XXXX, to report accurate information regarding this XXXX account and they keep saying the information is verified in compliance, when the consumer law states they have to report 100 % accurate information but there's obviously not a human looking at my dispute. 

PLEASE SEE THE ATTACHED DOCUMENT
Product: Credit card or prepaid card

I sent two notices to US Bank dispute department on XX/XX/2023 saying : Attn : Dispute department US Bank I have not seen on my US BANK XXXX credit card account the credit for {$100.00} proof enclosed on You just went ahead after faxing this proof before to charge me for this amount. I am filing a complaint with the federal government against your bank for denying my legal credit and other forms of complaints. They keep ignoring my refund sent to them by XXXX for an item I never received. The bank keeps ignoring me! I want my money due me. XXXX XXXX # XXXX. 
I hope you do more than just file the complaint in your database making your federal division totally worthless to all concerned, and letting banks rip customers off?
Product: Student loan

Firstly, my credit score just recently dropped due to the accruing interest/balance on the loan with Dept Of Ed/Navient while I was an active student.. I received a notification from XXXX XXXX that my credit score decreased due to loan amount increase of my student loan debt. Second, the school that I attended XXXX in XXXX, FL is now closed. The credits from this school were non-transferable, I did not receive job placement as promised by the admissions advisor upon graduating, the school is listed as a 'for profit ' school with high tuition/predatory practices. My transcript for the school ( XXXX ) that closed is now reflecting that I graduated from another 'for profit ' school ( XXXX XXXX XXXX ), and my transcript is being stored at XXXX in XXXX , CA which is XXXX. I should not be liable for this student loan with high accruing interest rates and high monthly payments that I have made in the past and could n't afford towards an education that I will never be able to use towards anything. I had to take all of the classes over once I got to an accredited university. Which set my classification back by almost two years. I am a XXXX when I could have been graduating next year if my credits were transferable.
Product: Debt collection

I have already submitted proof that I paid this bill, but they continue to harass me. They sent me TWO different letters, both dated XX/XX/2019.
Product: Debt collection

This company XXXX XXXX XXXX on my credit has not yet to respond to the request I asked for regarding the paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give consent for XXXX, XXXX, Equifax, XXXX and XXXX XXXX  to report my credit information. Somehow they all have reported my credit all of my credit information without my written consent which is in violation of my consumer rights ( 15 USC1681 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible XXXX XXXX XXXX  Balance : {$330.00} ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts 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 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. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, but they have listed multiple addresses that I have never lived at, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX, and XXXX XXXX XXXX XXXX XXXX, GU XXXX. 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

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

Company 's Response Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We reviewed the information you supplied. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. The format and verbiage of this complaint is similar to other complaints received from consumers utilizing the services of a credit repair company. To ensure the privacy of our response, Equifax will not respond to this complaint via the CFPB portal as we suspect that it may have been submitted using a credit repair company. Please be advised that you do not need a third party to help you with your Equifax credit report. You may contact Equifax at https : //www.equifax.com/XXXX if you have any questions or concerns in regards to your Equifax Credit Report. Unfortunately, there is not anything a credit repair clinic can do for you that you are not able to do yourself. If the information is accurate and furnished by a provider meeting the legal requirements for reporting credit information, it can not be erased from your file by companies advertising " credit repair '' or anyone else making these types of claims. Please note that any subsequent submissions utilizing the services of a credit repair organization will be handled in this same manner. The results of our reinvestigation will be mailed to your current address within 30 days utilizing our normal dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

My fianc at the time bought the house in XXXX, MN together and we were both listed equally as borrowers for the loan, then we got married and in 2015 we had our divorce finalized. I let her keep the house and the very large amount of equity that went along with it. My plan the entire time was to live in it for 5 years or so then sell it for a significant profit. It is now worth well over {$100000.00} more than we paid, I paid the full mortgage myself and all the closing costs and escrow associated with the purchase. I made improvements and I paid the mortgage even after we split up and I moved out. 2 full years of monthly payments is about {$25000.00} plus another {$10000.00} of costs from the sale is over {$30000.00} of real money I put in that I lost from the divorce. The court was being completely female biased and I didnt do anything in the relationship to cause any unfair treatment but I sure got it. They awarded her the house outright as long as she takes over payments its 100 % hers but I dont get removed from the loan? Thats not right. I lost {$35000.00} of money I invested in the property AND the percentage of equity that I should be due that is about pay off and she got a free house. Literally everything paid for for her. Meanwhile Im stuck with almost {$200000.00} of debt on my credit report and I have been destroyed by that. I cant get a car loan or buy a new house because of that debt that is no longer associated with me at all. Its been 8 years since I lived there. She has since remarried and has XXXX  kids by another man and I cant help but wonder why they are not putting his name on and taking mine off. I dont know how people could look ar the situation and conclude that I should remain on the hook for the loan that I have lost 10s of thousands of dollars to and she has made climbing near to {$200000.00} in potential revenue from a sale. Theres only 2 fair outcomes for this situation. One removed my name from that loan and that loan amount from my credit report right away or she needs to sign paperwork for giving me a percentage of the profit when a sale happens because I have had no financial freedom because of this and have not been able to actually really start over again because of the amount of debt in my name. Im not trying to take money from her I just want this off my report so I can buy a house or car and finally have a chance. I have years of damages from this and it needs to be handled properly.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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: Debt collection

This account was paid off. It was sent to collection I have requested statements and proof of me owing the debt and have not received anything. Yet they refuse to remove it from 1 credit report.
Product: Credit card

In good faith, I XXXX XXXX XXXX, Agent on behalf of XXXX XXXX XXXXXXXX , hereby accept all titles, rights, interest, and equity owed to XXXX XXXX XXXX. Upon reading and studying American Express XXXX filings and Indenture Agreement between American Express and the XXXX XXXX XXXX XXXX  XXXX XXXX I have discovered securities fraud to be conducted within the company. I want to begin by first explaining how securities fraud is being conducted within the Company American Express. I would like to take your attention to page 66 of American Expresss XXXX filings LONG-TERM DEBT AND ASSET SECURITIZATION PROGRAMS. This states, We periodically securitize Card Member loans and receivables arising from our U.S. card business, as the securitization market provides us with cost-effective funding. Securitization of Card Member loans and receivables is accomplished through the transfer of those assets to a trust, which in turn issues securities collateralized by the transferred assets to third-party investors. This is a barter transaction so if I need to contact the IRS to tell them I gave American Express exchange of security and American Express decided not to comply, I will file against your charter.

Due to American Express selling consumers securities/applications to third parties investors this amounts to securities fraud with accordance to the rules and regulations from the Securities Exchange Commission ( SEC ) that strictly prohibits companies selling consumers Global Securities on the secondary market. The transfer of Securities started when I gave an application for an extension of credit by applying through the respective companies website. The application/XXXX XXXX is then electronically transferred to American Express where it is then transferred to the XXXX XXXX XXXX XXXX  XXXX being the Trustee. Each Security has an attached unique CUSIP number ( Committee on Uniform Securities Identification Procedures ) which allows the use of CUSIP numbers for identification purposes in the issuance and redemption of Securities. On XX/XX/2023 I applied for an American Express Business Platinum Charge Card and on XXXX XXXX XXXX I applied for an American Express Gold Charge Card and was denied even though value being my XXXX XXXX was given to The Company.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Debt collection

I dont know this company XXXX, I just learned of this when it was added to my credit report on XX/XX/XXXX, I never been to this hospital and dont owe anything. I have medical insurance and never been to this place.
Product: Debt collection

This company calls about XXXX to three times per day and refuses to say anything ; it appears that someone is listening on the phone but I would hang up. Today on this day of XXXX XXXX, 2016 at about XXXX, they called and refused to say anything and after a few seconds they hung up. However, this time I called the number XXXX and they identified themselves as being Jefferson Capital Systems , LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX  XXXX
Product: Debt collection

XX/XX/XXXX, XXXX XXXX, and the XXXX. 
XX/XX/XXXX, XXXX XXXX, XXXX and the XXXX. 
XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and the XXXX. 
XX/XX/XXXX, XXXX XXXX and the XXXX. 
XX/XX/XXXX. 

They have called multiple family members phone numbers and left very very nasty voicemail. Repeatedly calling my husband 's phone XXXX XXXX and even XXXX times a day from different numbers. I realize I have debt that needs paid but when trying to negotiate a payment plan or even a pay I full price. Very rude and disrespectful it's over the line of harassment now. They have called from a total of XXXX different phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX through XX/XX/XXXX I had 17 requests for bank loans, credit cards, and lines of credit when XXXX and XXXX lifted my freeze alerts without my authorization. XXXX, XXXX, and XXXX also did this in XXXX and XXXX. At no time did they attempt to contact me by phone or mail to confirm that I wanted the freeze alerts lifted. I don't know why they issue a pin number if they don't request it when someone besides myself request that a freeze alert be lifted. Then the nightmare begins trying to contact all these companies, and then the credit bureaus in an attempt to clarify the dilemma. Trying to clarify this with the credit bureaus is almost impossible, taking me two to three hours with each if I was lucky. It seems the hackers have quicker access to my accounts than I do. 
What protection does the average citizen have with these three credit bureaus? 
How can one avoid this from happening again? What does our government do to protect the average citizen from this abuse? 
It seems that our government has allowed XXXX, XXXX, and XXXX to have cache blanche to do what they want without the consumers having any protection from them.
Product: Credit card or prepaid card

I currently have an outstanding credit card balance with Bank of America based on one of their special offers where you have a certain amount of time to pay off the balance with out being charged interest, I have until  XXXX   XXXX  to pay the balance in full. I was surprised when I received my  XXXX   XXXX  statement to see I had been charged a minimum interest fee of {$1.00}.     When I contacted BOA the customer service representative stated I was charged interest based on their annual fee of {$75.00} because the annual fee is added to my account as a purchase, he also stated since the annual fee was charged on  XXXX   XXXX   XXXX  and I did n't make a payment until  XXXX   XXXX   XXXX  I was charged the minimum interest and even though I pointed out that I made a payment on  XXXX   XXXX   XXXX  he would not credit my account the {$1.00}. I also argued this is not ethical as they are charging me a fee against a fee.
Product: Debt collection

I am being contacted non-stop by PayPal Credit via text and phone calls regarding an account and balance that do not belong to me. This account is a result of identity theft, and I have notified them several times. Despite this, they continue to violate rules and regulations without resolving this major issue. 

I want this account and balance removed from my name immediately, and the phone calls, messages, and now letters to stop harassing me. I have followed the proper procedures to dispute this account, but they have repeatedly failed to adhere to the guidelines and timelines set forth.