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

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I want all proof showing that i signed they lied about amounts and is invalid. 
They did not include information from Gap insurance. 
By FCRA requires that all information is 100 % information and verified.
Product: Credit card or prepaid card

I paid off the final amount of XXXX and some change so I could be done with the account. They charged me a {$2.00} interest fee.. and a late fee for the XXXX that they said couldn't be taken out on time even though it came out of my account when they finally decided to take it. So I said whatever, I'll pay it. Tried paying {$20.00}. They didn't take it out on the day I scheduled it, instead waiting several days. I never even got a notice that they tried to withdraw it nor did I get a transaction declined message from my bank, meaning no attempt was made & I was charged a late fee for no reason. My balance went from {$2.00} to {$72.00} AFTER I paid off the account. I've messaged them several times and they just give me a generic response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing a XXXX XXXX with Equifax for some time now. This account is past the statute of limitations for California ( 7 years from DLA, which is XX/XX/XXXX ) XXXX and XXXX have followed the FCRA and removed the account but Equifax refuses. I spent over 1 hour on hold to be told they could do nothing more then dispute it which I have done 10+ times over the last 2 years. XXXX is violating the law by updating the DLA to XX/XX/XXXX, which is incorrect as I have had zero communication with this company since XX/XX/XXXX. Equifax tells me that they can only go by whats reporting and Porsche is not violating any laws by doing so. I have applied for a home loan and was denied do to the XXXX account and the XXXX balance owed. Please help me rectify this situation as they are clearly breaking the law.
Product: Payday loan, title loan, personal loan, or advance loan

LONG STORY SHORT IVE FILE WOTH XXXX TOO. IVE BEEN COMPLAINING FOR MONTHS TO CITIZENS THAT INCANT PAY XXXX XXXX XXXX XXXXXXXX. NOTHING MORE SHOILD BEEN SAID. I KEPT GETTING TOLD BY CITIZENS THAT THEY CANT CANCEL UNTIL THEY GET THE CANCEL WORD FROM XXXX XXXX. IVE BEEN IN CONTACT WITH CHAIRMAN FROM CITIZENS. HE CALLED THIS PAST MON OR TUESDAY. HAD A THREE WAY CALL IN XXXX  that went sourand that INITIATED THE CALLBACK FROM CHAIRMAN. I HAVE A TECH TO COME OUT TOMORROW XX/XX/XXXX TO TAKE DOWN EQUIPMENT AND FOR YOU ALL TO REFUND LINE OF CREDIT AND TO FIX MINES AS WELLYOU ALL ARE RUINING MY CREDIT. YOU CAN PULL ALL CALLS TOO. I SHOULDNT HAVE TO JUMP THRU HOOPS TO CANCEL. WHAT IF I DIED. YOU ALL WILL CANCEL THEM BECAUSE YOU WOULDN'T GET ANYTHING. ALSO ITS DISRESPECTFUL TO HAVE TO KEEP MENTIONING MY HARDSHIP THIS MANY TIMES VIA PHONE AND COMPLAINTS AND IVE EMAILED THE XXXX credit dept CREDIT FROM CITIZENS. THEY HAVE THE EMAILS TOO AS IVE GOTTEN CORRESPONDANCE BACK FROM THEM STATING WHY AND THATS BOT WHAT I WAS ASKING. WHY KEEP DROPPING A CUSTOMERS CREDIT CONTINUOUSLY ESPECIALLY IF IVE REACJED OUT MORE THAN ONCE AND I TOLD YOU ALL XXXX XXXX AND XXXX THAT EMAIL FOR MY CREDIT ISSUE WAS GIVEN TO ME MONTHS AGO THE FIRST TIME YOU ALL DRASTICALLY DROPPED MY CREDIT AND I CALLED AND COMPLAINED THEN TO YOU ALLANYHOW IVE BEEN IN TOUCH WITH CUSTOMER LOYALTY FROM XXXX AND THE TWO LADYS FROM XXXX LEGAL REGARDING MY SITUATION AS WELL AS THE CHAIRMAN OF CITIZENS. THE CALL ON XXXX the citizens rep stated o weve only reported once to the bureaus ( all 3 ) thats a lie. It was twice. Once was for XXXX points which was worse than a bk on a credit second was just this past week for XXXX I pay attention to everything and you all can not get over on my. Please call the chairman and or whomever to pull all calls. Cancel my line of credit as XXXX is cancell and will be as of XX/XX/XXXX when they get their equipment. Then you all fix my credit and refund this line of credit. Learned my lesson with door to door sales no body should be paying for two separate things. The line of credit and the actual monitoring system. Thats a rip off anyhow. Ive mention to cancel and refund my line of credit and fix my report many times on calls and complaints. Again please. I should have no issues if all calls are recorded ie with XXXX/citizens pay
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/ Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I contacted this company by phone to tell them they were making a mistake. I was on the waiting list for health insurance at my job and working part time. I filled out the form for emergency XXXX  and didnt know I got denied until later on when I checked my credit report. This company has a voice changer and they quickly hung up. Dodgy to say the least.
Product: Student loan

I am trying to refinance my mortgage and was working on collecting information on my student loans. I was trying to gather information that included account numbers, monthly payment, and the remaining number of payments for each of my loans, but was unable to find all of the information on Navient 's website. I have XXXX outstanding loans and XXXX that is paid in full from XXXX different institutions. I tried gathering the information from the current Navient website, the old website, and my monthly statements, but was unable to get the individual account numbers or the payments remaining. Because I made an extra payment at some point in the past for many of my loans and have automatic debits set up, there was n't a quick view to get information on monthly payments for each of the loans. I wound up having to click on each individual loan, get the ( limited ) information I could, and then provide as much information as I could, which ended up being just the monthly payments. I was unable to find the individual account numbers for each of my loans ; Navient 's website numbers them XXXX-XXXX, but those are n't the account numbers used. I could n't find the months remaining on my loans anywhere, even though I spent more than half an hour clicking through various links. 

Luckily the credit union I 'm working with for the refinance was able to pull information for me once I 'd provided the basics, but Navient 's website is not consumer-friendly. The old website does a better job at putting most of the relevant information for individual loans into a readable format, but again, it requires way too much clicking to be convenient.
Product: Debt collection

I submitted a directive for XXXX XXXX, dba, Chief Executive Officer, to perform a set-off and adjustment of all charges by the exemption in accord with UCC section 3-419 ; House Joint Resolution 192 of June 5, 1933 ; Public Law 73-10 ; Title 26 section 674 ( b ) ( 5 ) ( b ) under Safe Harbor and US Constitution and release me from this obligation. Ms. XXXX fail or refused to perform her fiduciary duty as it relates to this matter.
Product: Credit card or prepaid card

I called to inquire about a charge that I didn't recognize on my Capital One MasterCard on XX/XX/XXXX. I was told that they would have to deactivate the card to proceed with fraud report. I told the customer service person not to deactivate the card and I would proceed with the fraud complaint when I got home ( I use the card for work travel ). They acknowledged that they would wait with the fraud and I thanked them. 

I attempted to use the card on XX/XX/XXXX and it was declined. They had deactivated it. I called Capital One on XX/XX/XXXX to ask what was wrong with the card. I was told that it was deactivated. After a lengthy conversation I was informed that a new card was being mailed to me. On XX/XX/XXXX I called to ask where the card was. I was informed that it was never mailed. 

I am writing to ask if I have any recourse as they charge me to have their card, use their card, yet I am paying for a card service and a that they don't seem to be able to provide me.
Product: Mortgage

My contact was put into forbearance from XX/XX/XXXX to XX/XX/XXXX. After this my account was put on a payment to paid back all the money at one time. I was told that there would be a payment paid but that wasn't true. So that my account could be into a loan modification I was told not to pay payments for 3 months. When I was approved for the loan mod I my wife was taken out of work due to illness. I was also late XXXX, XXXX and XXXX of XXXX due to the lost of one income and addiction to the family. I had received another job to supply for my family and keep on time with all of our bills but in XXXX and XXXX I was laid off of work. XXXX of XXXX I was able to land a job in my career were now I am able to supply for my family and as can be seen I haven't missed a payment since then. I am hopefully that due to hard times I would be able to get these late payments removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I logged in to my Equifax account, I received a message to contact Equifax 's customer service as a result of my attempt to confirm whether my credit freeze had become effective. I called customer service on XXXX XXXX, 2017 at approximately XXXX XXXX, and was in their queue for just over three hours, which was twenty minutes after their customer service department closed down. During that time, in their recorded message, they had the nerve to try to cross-sell their products, and never mentioned that their customer service hours had ended. 

Considering the exposure this company has put me in, I would expect they would be more proactive in helping consumers, such as me, to make sure we are protected. Apparently they do not agree with me. I have never had to wait like this. Their solution is for me to submit something in writing and they would respond within 48 hours. As a senior, I 'm not willing to wait that amount of time while the confidentiality of my personal information has been compromised and being exposed to identity theft and fraud. 

They should be thoroughly investigated for their inadequate business practices and be held responsible for their actions ( and inactions ).
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 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( 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 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Credit card or prepaid card

I was charged a {$29.00} Return Payment Fee on XX/XX/2023 for insufficient funds for a payment on my American Express Delta SkyMiles credit card. 

I already tried to request a refund for this fee over the phone, but it didn't work out. I was hoping for a one time exception as a loyal customer with American Express for years now. 

Looking forward to hearing from you soon.
Product: Credit reporting

I had applied to XXXX and was denied auto insurance due to a report from Lexis Nexis. I had to stick with XXXX since no one else would insure my car ( s ). My XXXX auto insurance came up for renewal and XXXX sent me a Virginia adverse report due to information from Lexis Nexis. XXXX proceeded to hike up my auto insurance cost due to the so called report from Lexis Nexis. Following the instruction in the XXXX report, I wrote to Lexis Nexis to send me a copy of the report. They wrote back to say they could not verify my information and that I should call them. I have called several times, and no one has ever picked the call. If LexisNexis could not verify my information to send me my report, what information do they have to report on?. Unlike my free credit report, LexisNexis is very frustrating and difficult and I urge the government to save us from this unnecessary hardship and distress of several hours of phone call without any result. I deserve to have access to my report. Please compel LexisNexis to release my report so I can correct any factual errors.
Product: Credit card or prepaid card

Company still reporting on my credit after it sold it to another company. Already paid the other company and keeping this negative item on my credit is stopping me from being able to provide my kids with a home.
Product: Vehicle loan or lease

PNC Bank moved my loan into a different department when I was struggling through the year to pay ( due to medical reasons ( XXXX ), an environment change, and becoming a newly single parent ). They moved my loan to what they call a " chargeback/repossession phase ) Where they give your loan to the repossession department to handle. You have to pay every 30 days on time or your title belongs to them and they have the right to sell and then stick you for what they do not sell it for. I did not know that they closed my account and placed it on my credit report. My account is very much so still open as they collect money Monthly ( just recently double charged me and OWE me a full car note back, whilst dragging their feet ) and I do not owe the amount they CLOSED the account as ( They left it at {$30000.00}, I owe less than {$28000.00} ) they do not report accurately and their reasoning is because until I have paid them off fully, they do NOT report it, because it doesn't exist within THEIR company. Please help me unearth these less than decent business procedures.
Product: Credit reporting or other personal consumer reports

I have summitted several disputes to all 3 major credit reporting bureaus ( Experian/XXXX ) in regards to my XXXX XXXX XXXX account and the numerous inconsistencies and discrepancies reported on this account by all XXXX bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notification stating the account has either been updated or verified as accurate. To date XXXX and Experian report a high balance of {$17000.00}. XXXX is reporting a high balance of {$16000.00}. XXXX is reporting date of last activity as XX/XX/XXXX. Experian is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. XXXX and XXXX are reporting this account as derogatory. Experian is reporting this account as " PAID ''! XXXX and Experian are reporting date of last payment as XX/XX/XXXX. XXXX is reporting date of last payment as XX/XX/XXXX. Experian is reporting an XXXX and XX/XX/XXXX payment history as PAID while XXXX reports them as XXXX and 60 days late? which is it? did I pay or not? XXXX report no payment history at all. ALL reporting a {$0.00} past due amount. How is XXXX reporting paid and the others derogatory? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? if XXXX creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife of 4 years had substandard credit and I co-signed a loan with her for a new XXXX 2 years ago financed through XXXX XXXX. 

On XX/XX/2019 we began the process to buy a new home, which requires a " pre approval '' letter. As part of this, we consulted our credit ratings on XXXX XXXX. 

The loan, {$25000.00}, is showing on both of our accounts, even though it is a single loan for {$25000.00} and payments are current. 

This reporting indicates to creditors that we owe a total of {$51000.00}, which is not true. There should be a note on one account that this is either not owed, and is a contingent liability, or some other way to report than as a double obligation. 

On XX/XX/2019 I contacted XXXX XXXX and they said that the only way to correct this error in their reporting is for us to re-finance the loan. That would be at a higher rate. 

I would say that this approach by XXXX XXXX is a poor business practice and that using their faulty credit approach to report this as two loans is not fair or equitable and is inaccurate in regard to the actual situation. We have a single loan for {$25.00} K, not 2 loans, to put it succinctly.
Product: Credit reporting or other personal consumer reports

Re : Urgent Request Fraudulent and inquiries block under section 605B of the FCRA Account in Dispute : XXXX  XXXX Account # : XXXX Reported Balance : {$480.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$340.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identify theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction 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 ( 4 ) business days from the date of receipt of this letter. 
Account in Dispute : XXXX  XXXX Account # : XXXX Reported Balance : {$480.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$340.00} Additionally, I request the removal of all unauthorized inquiries to this identify theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were are not authorized by me and negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XX/XX/XXXX, confirming that the fraudulent XXXX  XXXX  XXXX accounts and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian on XX/XX/2020 about a fraudulent account ( XXXX XXXX XXXX XXXX ) and on XXXX XXXX I was notified that this item was deleted and blocked from credit report. In XX/XX/2020 this items reinserted but onto my credit report. According to the FCRA requirement Section 611 ( A ) ( 5 ) ( B ) ( II ) the agency is required to notify me of the reinsertion in writing within 5 business days. I received no such notification at all of this reinsertion. So the Credit Agency ( Experian ) is in direct violation of the FCRA.
Product: Debt collection

MOHELA | XXXX XXXX XXXX XXXX has violated 15 U.S. Code 1692j by creating deceptive forms to make me believe that I owe a debt that has already been paid by the United States according to House Joint Resolution 192 and pursuant to 18 U.S. Code 8. ( Exhibit B ) MOHELA | XXXX XXXX XXXX XXXX has violated 15 U.S. Code 1892b ( 2 ) by trying to collect an alleged debt from me outside of my state. ( Exhibit B ) MOHELA | XXXX XXXX XXXX XXXX has violated 15 U.S. Code 1692B ( 5 ) by violating my privacy so that everyone can assume I owe something when I don't. ( Exhibit A ) MOHELA | XXXX XXXX XXXX XXXX has violated 15 U.S. Code 1692B ( 2 ) by stating I owe a debt.. ( Exhibit B )