23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I contacted Citi about the interest rate level on my XXXX credit cards with them. They are at XXXX  %. This is an unethical interest rate especially in the current economic environment. They are not the only ones taking this action and I feel it is gouging the consumer and no one is attempting to do anything about it. I pay my bills on time and always pay more than the minimum amount. I just recently paid off these cards too, convenience of use with credit cards is the way our culture operates, gouging with an interest rate and other practices to keep people entrenched in credit card debt is just wrong. 

I contacted the bank and asked for an interest rate reduction. They looked into " alternate offers '' and stated that I was at the lowest interest rate being offered at this time. If rates are even higher than mine, then there is a serious problem with these banks. At what point will there be an investigation and recourse against this practice from the regulating agencies or the Federal Government? No one can possibly think this is acceptable. 

In the fine print are all the details of the account. You know the average consumer doesn't read and continuing to use the card locks in new terms. That is also a problem. We are knowingly pulled into these rates through marketing campaigns and enticements of balance transfers, points etc... 

The bank refused to take any action. I advised them that I would be filing a complaint.
Product: Credit reporting or other personal consumer reports

TRANSUNION 'S duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXX XXXXL account ending in XXXX. This include a 30 day late payment posted in XX/XX/2023. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting

In 2012 I was advise by XXXX XXXX XXXX to stop making my mortgage payment in order to qualify for a short sale. This information was not correct, since I could still be making my payments and apply for the process. Before this, I had a perfect credit. Now for this wrongful advice my credit is hurt.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit
Product: Debt collection

XXXX XXXX XXXX XXXX has the same account with different amounts. I have offered to settle with this company for a Capital One credit card I had some years ago. Now that I made that offer the company has two account ref # XXXX {$610.00} and ref # XXXX {$630.00}. Both of these are the same account yet XXXX is reporting this as two separate debts to all three credit bureau. They seem to be breaking the law and working against what I am trying to do with my life.
Product: Debt collection

I am a victim of identity theft and my personal information was stolen and a credit card account was opened with Bank of America. I did not benefit financially or otherwise from this account and I filed a Police report with my local law enforcement agency along with also filing a report with the FTC outlining the details of this incident. I also mailed in a notarized theft affidavit affirming under penalty of perjury that the information filed is true and correct. Bank of America has still continued to report this account and is illegally attempting to collect a debt from me that i do not owe. 
This is in gross violation of good banking practices and federal law. This has caused me to be denied housing and also employment opportunities, and the bank is willing to use this as leverage to force me to repay a {$10000.00} debt that I do not owe.
Product: Checking or savings account

On Thursday XX/XX/XXXX, my account was placed under review and I was relieved when it was released and returned to normal status XXXX days later on the following Sunday. 

Again that week, however, my account was once again 'held ' and under review. I know that the funds in my account may seem insignificant to a large company like Square, but for a small business, these funds are essential to pay the bills. This has caused repeated disruption to my business, leading to the delay of payroll last week. I pay a substantial amount for Square 's payment processing services and the system is great, yet this situation can not continue.

My account continues to be placed on hold, and then released over the past week, this is happening repeatedly, sometimes several times a day. I have been trying to sort this out with the Squares Account Services team but have been unable to reach a resolution as of today 's date. The manager I talked to in the Customer Success team mentioned that based on the behaviour it appeared that it was a 'bug ' in their system.

Therefore, I am asking for an immediate resolution from the Square team. If this is not resolved, I will be forced to take other action. In my conversation with a Square Account Services employee, I verified all the information as requested, and then was told it would be another 3-5 business days for me to even hear back from the investigation. How does Square expect a small business to operate when its account is constantly placed on hold?
Product: Credit card

I have had XXXX cards canned by them They claim they sent a letter asking for XXXX for both. I have not seem such letter. He couldn't tell me it is was by mail or email. When I asked to re-instate it was refused. 

They claimed to have sent letters asking for my XXXX which I have not recieved. I have been paperless for years and they claim I changed that which I absolutely did not as mail is so easy to get lost these days.. Their attitude was " tough luck '' Obviously at this point I don't want to be their customer, however I do want my credit record set straight and my points restored. I have ALWAYS paid my bills on time everycmonth, never ever missed XXXX They have 1 ) ruined my credit a ) by noting they closed the account. b ) by reducing my available credit.

2 ) stolen my points built up.

I would appreciate any assistance you can give in resolving this. Regarding uploading letters I have not received anything to upload unfortunately. 
Note - XXXX cards are involved. XXXX ending XXXX and XXXX ending XXXX
Product: Checking or savings account

On XX/XX/year>, I made a purchase on XXXX for the amount of {$360.00}. The order was supposed to be delivered in one package, as indicated at the time of purchase. However, XXXXXXXX XXXX delivery records state that the order was delivered in multiple packages on XX/XX/year>. Despite this claim, I never received any of the packages. I immediately contacted XXXX to dispute the delivery claim, explaining that the order was supposed to arrive as a single package and that I did not receive any part of the order. XXXX denied my dispute, insisting that the packages had been delivered. Following XXXXXXXX XXXX denial, I escalated the issue to my bank, Charles Schwab, to dispute the transaction. I provided all necessary documentation and evidence showing that I did not receive the packages. However, Charles Schwab also denied my dispute, aligning with XXXXXXXX XXXX  claim that the packages were delivered. I have taken all possible actions to resolve this matter directly with XXXX and my bank, but both parties have failed to acknowledge the non-delivery of my purchase. As a result, I am left without the product I paid for and without a refund, despite my efforts to resolve this issue.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. DISCOVERBANK XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below SHELLPOINT MORTGAGE XXXX
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXXXXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Received a written debt collection on XX/XX/XXXX ( NCA, LLC ), asked what it was for XX/XX/XXXX, written. 
Received response back XX/XX/XXXX with an original loan with XXXX XXXX XXXX XXXX XXXXXXXX. Loan was docusigned, my name and address, unknown email address. 
Loan No. XXXX for {$1100.00} owing now {$2000.00} to National Credit Adjusters , LLC XXXX XXXXXXXX XXXX XXXX. Responded not mine XX/XX/XXXX. Guess I didn't get the legal language correct. Reported as bad credit XX/XX/XXXX by NCA, LLC. 
Payment account was to be : routing XXXX, account XXXX  XXXX. Not mine.
Product: Credit reporting

I had to judgments with my rental office that I paid in full XX/XX/XXXX & XX/XX/XXXX, but XX/XX/XXXX the judgments showed up on my credit report. XXXX and XXXX removed but Equifax never removed the information. I 'm trying to figure out how can you report a debt after it paid in full but it was never reported prior too.
Product: Credit reporting or other personal consumer reports

Hi CFPB Professional, After a careful review of my credit report, I've found the several items to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Pursuant to : * the Privacy Act of 1974 and * 15 U.S. Code 6802 - 6805 these negative items should not have been included on my credit report. 

I'm requesting that the following items immediately be removed from my credit report : Transunion : XXXX XXXX  - This has never been my name XXXX XXXX XXXX XXXX - I do not live at this address XXXX XXXX XXXX  XXXX I do not live at this address I do not owe this amount on this account XXXX {$9900.00} XXXX XX/XX/XXXX I do not owe this amount on this account XXXX  {$10000.00} XXXX XX/XX/XXXX I do not owe this amount on this account XXXX XXXX XXXX {$4600.00} XXXX XX/XX/XXXX I do not owe this amount on this account XXXX {$500.00} XXXX XX/XX/XXXX I do not owe this amount on this account XXXX XXXXXXXX {$5000.00} XX/XX/XXXX This account was never late XXXX XXXX x 60 days {$95000.00} XXXX XX/XX/XXXX This reporting is a violation and should not appear on my report XXXX XXXX {$17000.00} XXXX XX/XX/XXXX This should be removed 15 USC 1681 permissible purposes XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested for the company to send me information showing that I signed any documents showing I owe this debt validation and that I'm aware of the owing this debt. I have not received anything as of yet.
Product: Debt collection

Hello, My complaint is for the Pendleton Capital Management Inc. 

My first issue with this company was about two years ago. I originally had set up a payment plan and was intending to get the debt taken care of. I then had an emergency which caused me to not have enough to make my payment, I then reached out to the company to let them know that I was unable to make the payment as discussed. 

I spoke with a representative named XXXX XXXX extension XXXX. XXXX demeaned me, called me a bum, swore at me, told me I need to grow up and get my XXXX together. 

I chose to disconnect the call at this point and she proceeded to call my mother who was a reference on the initial loan, left her a message stating that she has been unable to get in touch with me. 

I was quite upset, my mother ended up calling back and speaking with XXXX supervisor. She then reached back out to me and apologized on XXXX behalf and said that they would delete my mothers information and that XXXX would be reprimanded. 

I then did not receive any more calls for about the last two years. Today I get a voicemail from a gentleman named XXXX XXXX, I returned his call to his extension and left a voicemail. I then called back to speak with someone who was there so that I could figure out what this was in reference to. XXXX XXXX answered the phone, of course I disconnected the call immediately. I then called back and smoke with another supervisor, to whom I explained the previous situation and requested that they do not contact me again. I told them that they are not allowed to harass me as it is in violation of the FDCPA and that I would be filing a claim against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data breach cause me to be at an extremely high risk for fraud for the rest of my life
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX and XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  original debtor XXXX XXXX {$320.00} - balance XX/XX/2021 XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/2021 Due to the 15 us C 1681 602 section I am not liable for this debt I don't. have a contract with this company!. I demand that this account be remove from my Credit, reports immediately. XXXX XXXX XXXX Thanking you in Advance for your promptness
Product: Debt collection

At : Portfolio recovery Company did not provide signed proof/documents and I do not recognize these credit cards. Please provide all sign documents and all forms of my IDs to validate these accounts if not they must remove it and close it out. Also this company has not stopped calling me yet again under the false pretenses of a business opportunity! Stop the harassment and provide me proof of all signed accounts as you started. Show me valid IDs and my signature if not this account must be removed. Also stop running my credit Portfolio recovery has kept calling and calling me without any reservations at all. I dont know who they are or why they are harassing me. I came across their information within XXXX XXXX and it shows they are reporting two accounts that should not be accounted for. It is hurting my credit opportunities and I would like for them to remove it since I do not owe them anything. They need to provide me with a signed contract between me and portfolio recovery if not they must immediately remove this negative remark and update all credit reporting agencies. Notice is below to them : This will notice will serve as a validation 609 letter. This letter is a formal complaint that youre reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, section 609 section A1A. You are required by federal law to verify through physical verification of the original sign contract, any and all the accounts that you post on the credit report.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. I have attached my dispute letter and forms of ID to this complaint for the purpose of verifying myself. 

I checked my credit report and noticed some inaccurate and fraudulent accounts reporting. 

XXXX. XXXX XXXX. DEPT OF ED/XXXX XXXX. XXXX XXXX XXXX These accounts are in violation of 15 USC 1681s-2b. I demand that a reasonable investigation is made and that these accounts be removed immediately
Product: Credit reporting or other personal consumer reports

Upon checking my credit report Ive seen accounts thats listed on all three of my reporting bureaus these account do not belong to me! I have been trying to get these removed for quite some time now and theyre sending me alerts that the accounts are verified and accurate but I know for a fact that isnt true and these account DO NOT BELONG TO ME! 

There are two accounts reporting on my XXXX, XXXX XXXX XXXX under the name 1.SBNA LENDER 2.SELF FINICAL These accounts appear to have been open in XXXX I need these to be removed! Please remove these negative items from my report and update my accurate information as Ive requested!
Product: Credit reporting or other personal consumer reports

I reviewed my report and have noticed fraudulent inquiries have been reported to my credit report. The information listed below, which appears on my credit report, is not related to any transaction that I have made. I am a victim of Identity theft and I am asking you to remove this under 605B [ 15 U.S.C 1681c-2 ]. I have this formal letter and the FTC report along with personal documents proving my identity as relevant information. Included is also a police report. The information listed below, which appears on my credit report, does not relate to any transactions that I have made.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing hard to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Santander Consumer USA ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

On XX/XX/2017, I sent a certified letters to Aargon Collection Agency, asking them for debt validation of the accounts as I never received any bills prior to the debt hitting my credit report, in the sum of {$490.00}. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. It's been more than thirty days and I haven't received any written validation of the debt.

Under the FDCPA Section 1692g, if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this sub chapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Student loan

My name is XXXX XXXX and I am writing in regards to the Public Service Loan Forgiveness program. 
I have been a XXXX XXXX XXXX XXXX teacher for 20 years. I have been inconsistent with payments because of financial difficulties, however have paid what I can through the years. I began paying loans in XXXX and those payments are not being used as qualifying payments, only payments made after XXXX. I have applying 5 times and been denied each time, even though current rules say that the payment type is being waived. Recent media has stated that work credit will be given in place of payment history. I have also accrued almost XXXX dollars in interest throughout the life of my loans. Please help! 
XXXX XXXX XXXX