23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX A XXXX service offered me a CareCredit brochure. The brochure seems to say that you can have 6 months to pay off the charge interest-free. XXXX Reviews of the credit card and the issuing bank were generally low. I went to the CareCredit.com web site for more info and used the Payment Calculator to calculate payments for financing a {$850.00} charge. Results are below but there seems to be a hidden fee. 
XXXX Plan Term : Estimated Monthly Payment to avoid interest and pay only the amount financed : 6 Month {$140.00} 12 Month {$71.00} 18 Month {$48.00} When I did the math, I was paying back {$2.00} extra on the 6 and 12 month plans but {$14.00} more on the 18 month plan. I think this is a hidden fee. 
I visited the CFPB site and saw the action against CareCredit in XX/XX/XXXX. Today, in XX/XX/XXXX, the brochure and website use the terms " promotional purchase '' and " promotional period. '' It 's not that clear to me what that means. " Promotional '' made my alarm bells go off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow-up regarding the disputed items in my credit file which are erroneous and fraudulent. I request you to remove the items in my file that are erroneous. 

Here are the items that needed deletions : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

On XX/XX/2020 signed an option to purchase a home.closed on XX/XX/2020 several days later examined the closing documents and found that my signature had been forged on many documents.very alarming was that the option to buy had been turned into a sales contract with the XX/XX/2020 date and my signature forged.Was given the option to choose an appraiser or home inspector, did not get to choose closing agent and first called me on XX/XX/2020 the day before the closing.I never knew he was my agent.Also was not given the opportunity to purchase homeowners insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX I had a residential mortgage with XXXX which I was informed is under the control of XXXX Bank. This account was transferred to another lender in XXXX before XXXX Bank took over. In XXXX, XXXX, the mortgage was reported as 30 days late to each of the XXXX major credit reporting agencies. When I reached out to file a dispute to have this item removed after XXXX, XXXX ( 7 years from the date of the first delinquency ), XXXX changed the reporting to show it as a positive account, committing blatant fraud in their reporting rather than removing this item as requested. Each time I've reached out to XXXX to discuss this account, I am continually being told they have no information on the account, either under my name, social or the account number, yet they respond to any disputes filed by the credit bureaus, informing them that their reporting is correct, when in fact it is not. For months I have continually tried to get this account removed from my credit file, only to be told that the information being reported by XXXX is correct, thus allowing XXXX to continue to commit fraud by changing information on this account from negative to positive, avoiding the Statute for time limitations and not reporting accurate information. I am seeking assistance to have this item removed for the blatantly fraudulent information they are reporting and for their failure to respond to me as a consumer to challenge the accuracy of their information.
Product: Credit reporting, credit repair services, or other personal consumer reports

You know about the Equifax security breach. I have tried numerous times to put a credit freeze on my account and my husband 's account through their website and through their phone system - neither will work. I called their so called help lines and its just a call center who ca n't do anything to help me except to say keep trying and try off times, like late at night -- not helpful! My husband 's data is part of the breach. Equifax is completely inept as their website 's and phone systems ca n't handle the requests for credit freezes. I also am unable to get my free credit report from them. In addition, I was able to put credit freezes on XXXX and XXXX, but had to pay {$10.00} for each XXXX, so I 'm out {$40.00} so far ( myself and my husband 's accounts ) and its Equifax 's fault -- I hope they are sued so people can recover their costs and losses. They XXXX!
Product: Student loan

I received a call @ work on XX/XX/2017 and I took this call at work something I dont usually do because my job really doesnt allow personal calls to me this sounded very important they guy XXXX had me going.. He explained to me from how I was told that bye me paying him a total of XXXXx3, my student loan would be exempt now I didnt know that he was just filling out paper work something I could of done for free not paid a third party. When I stared to receive the invoices from Navient I made a call to them to see what was going and they explained to me how XXXX XXXX XXXX XXXX XXXX has nothing to do with them and they charging me has nothing to do with Navient. I tired to call XXXX at XXXX XXXX XXXX XXXX XXXX they put me on the phone with XXXX XXXX no help at all!! So I had no choice to contacted CFPB.
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these BANKRUPTCIES are still on my credit report. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! You said you verified that it was mine. I'm telling you that I do not have any idea about this BANKRUPTCY. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years the account was reported at a higher amount than the actual amount by the credit reporting agency 's. Its now Paid in full and is being reported as both paid in full and as a write off Legally Per the FCRA a item can not both the Account XXXX is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been a result of identity theft.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX the company " Citi Financial '' sent me around XXXX dollars and XXXX was taken out my account unexpectedly I was later directed me to obtain an XXXX  card from XX/XX/XXXX for XXXX dollars and was instructed to send them the information, After that I was no longer able to access my online banking, I've been calling the number XXXX ( XXXX ) XXXX and have been speaking to multiple people who all sound the same, I asked for their address and was given the wrong address and profanity.
Product: Credit reporting

I contacted Equifax XXXX/XXXX/2016 XXXX in regards to XXXX they open a new investigation again even though the were provided with docs to remove this items from my credit report we are going around and around they fail at ever turn to do anything about XXXX and keep reporting information they call the account verified when it clearly is not they have in the records a copy a court order yet
Product: Credit reporting or other personal consumer reports

Hii I was only looking at insurance rates because I will soon be buying a car and wanted to know approximately how much I would pay a month. According to law 15 U.S.C 1681 there shouldnt be any damages done to my credit. This is considered defamation of my character and I would like my credit fixed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX
Product: Student loan

I entered into agreement with navient for student loans. Now I am being approached by a collection agency about a federally subsidized loan. The company approach is deceitful. Blatantly lying and baiting me. Will not allow me to discuss matter when I am not at work. Would not schedule a callback without trying to force me to answer questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis responded to my initial complaint that they verified that the bankruptcy is question was reporting accurately via XXXX. 

However XXXX records  and the records that lexis nexis is verifying with the credit reporting bureaus are in fact still inaccurate and inconsistent and does not reflect XXXX  records. 

The assets amount, and liability amount and the exempt amount are reporting inaccurately and does NOT match the records. 

I believe that no reasonable investigation and occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX account with XXXX XXXX out of XXXX ca for a auto loan back in XXXX  that should be off my credit report also on my credit report with XXXX a balance of 0 $ owed and that it is closed I never made any late payments and they still said it was not delegate I would also like transunion and XXXX to remove it also off my credit history report instead of showing a paid 7 year debt resolved/closed with a delinquent balance
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my dissatisfaction and frustration regarding the late opening of my account with your institution. I initiated the process of opening an account with your organization, expecting a prompt and efficient service. However, to my disappointment, the account was not opened within the agreed-upon timeframe. 

Due to the account not being opened on time, I have been unable to carry out these activities as intended, resulting in disruptions to my personal and/or business affairs. 

Moreover, the lack of communication regarding the reasons for the delay only added to my frustration. I understand that unforeseen circumstances may arise, leading to delays in certain processes. However, as a customer, I expect transparency and timely updates regarding any such issues. 

I urge you to take immediate action to rectify this situation. I kindly request that my account be opened without any further delays and that measures be implemented to prevent similar occurrences in the future. Additionally, I would appreciate it if you could provide an explanation for the delay and assurance that steps will be taken to improve your service standards. 

Please consider this matter with the urgency it deserves. As a valued customer, I expect nothing less than efficient and reliable service from your institution. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX : {$75.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus dated XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Department of EducationXXXX XXXX XX/XX/XXXX Department of EducationXXXX XX/XX/XXXX Department of EducationXXXX XX/XX/XXXX Department of EducationXXXX XXXX Department of EducationXXXX XX/XX/XXXX Department of EducationXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US Dept of ED/ XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Co XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Only reported to Experian, a hard inquiry was placed on XX/XX/XXXX and XX/XX/XXXX was alerted to the change by the free monitoring service by Experian this XXXX. This would only occur upon applying for any XXXX related credit or finance which I never have and there is an immediate negative affect on my credit score. I need immediate removal due to their error. This happened last year which was resolved and removed by XXXX XX/XX/XXXX, which I was informed handles most XXXX credit cards as their bank. They submitted an apology letter to me and informed XXXX who they report to remove the mistake and inform the other two agencies. That's the simple and fast resolution I want and it didn't need to drag out.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting inaccurate information on my credit report. I have never been late on a payment with XXXX XXXX XXXX and My student loans are deferred therefore I should not have any late payments reporting. Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX of 2021 a car dealership ran my credit multiple times and in some instances to the same creditor. I was very detailed in my request to only have my credit run only once and for a specific bank only as i already had the approval number from that bank that i had gotten prior to going to the dealership. I reached out to the credit companies and they advised me to contact the FTC. 

Capital one finance- XX/XX/2021 ( twice ) XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 XXXX XXXX XXXX ( XXXX XXXX XX/XX/20XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXXXXXX XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

I was awarded Administrator status by the Court of XXXX XXXX over my late brother 's estate ( name XXXX XXXX ), which includes savings accounts at Wells Fargo Bank. For two and a half months, I have been engaged in trying to get access to his accounts at this bank so that I can administer this estate, but have been thwarted at every turn. I supplied documentation including Original Court Authorization, Original Court Letter, Original Death Certificate, Notarized Letter of Intent which they requested, Notarized meeting Minutes ( also requested ), Statement from the Secretary of State of Wyoming showing that ownership over XXXX XXXX ( account name ) has been given to me as sole owner, two requested POAs and two inperson visits from my attorney into their XXXX XXXX XXXX XXXX Branch ( also asked for by them ) - but each time I submit anything or have my attorney go into their bank they decide that they need something else. Their latest suggestion ( included in the attachment file ) is that I name my attorney a Key Executive in my company - which is merely a holding company and has no operations- and get a third POA for some reason - stating it would require her to go into a bank every time I wanted to access the account. PLUS they require me to physically go into a branch and fill out signatory paperwork even knowing that I live in Ohio and they have no branches in my state and we are in the middle of a raging pandemic. They say they can not accept my signature any other way besides an in-person visit. We are at a stalemate. 

Following Attachment is copy of final demand letter sent to Wells Fargo asking them to respond ASAP - it was sent a week ago. Please read for full timeline of this problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX Account Number - XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed Above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Debt collection

Company keeps trying to collect a debt that is not mine. This has been going on for years. I have already successfully disputed with credit agencies. I am tired of being harrassed about it.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

A line of credit was set up without my authorization by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I have disputed this debt multiple times with the creditor ( by phone and in writing ) and with XXXX. Each time this company removes the delinquency but then reports it again as delinquent 60 days later. They have never proven that I authorized this line of credit because I did not. XXXX has failed to get them to provide any proof that I owe this debt. I have documentation from my insurance company that they negotiated and paid the charges so I dont even owe the amount being charged ( see attachments ). They have never tried to resolve this issue with me or XXXX XXXX XXXX despite me calling and writing to dispute the account.
Product: Debt collection

I have a settlement that I am paying off through Attorney XXXX at O & L Law Group XXXX, FL XXXX. 

The settlement is for {$4700.00} and payments began in XX/XX/2015. I have sent written communication to this debt collector over the past 6 months requesting the account balance. I have yet to receive any communication from this debt collector regarding my account balance, however did receive a letter that my payment was late with them one month.
Product: Credit card or prepaid card

Citi Advantage card was taken out in my name. On Sunday XX/XX/2022 received by email notice that I had a card balance of {$3300.00} as of XX/XX/2022. Since I had not requested this card I called Citibank that same day and reported that I had not applied for this card. They indicated they would open an investigation. I received the credit card on Monday XX/XX/2022. Interestingly enough I received from the XXXX XXXX XXXX an Official Change-of-Address validation on XX/XX/2022. I contacted the XXXX by phone and advised them I had not requested a change of address on XX/XX/2022. XXXX requested more information on XX/XX/2022 which I provided. 

This was not first time I have received correspondence from financial institutions on loans being applied for. In XXXXXXXX XXXX 2022 I contacted XXXX and had them add fraud alert to my credit report. They shared with XXXX and XXXX and the alert is supposed to be there for a year.
Product: Student loan

I have had multiple issues with XXXX. Now known as Navient. 
I have been unemployed since XX/XX/2017. My payment on my private loan is due XX/XX/2017. I contacted them and spoke with XXXX agent # XXXX to notify and inquire if I could miss 1 month without derogatory marks on my credit. I have not missed XXXX payment in 5 years and have paid off XXXX of my loans. She proceeded ask inappropriate questions such as as my living arrangements. Why my adult children were in the home. 
What did they pay to be here IE : utilities & rent. She brought up my credit report and proceeded to scold me for my debt. I did point out that I was being proactive in calling Navient about my employment status to inquire about any possible arrangements. And, if she looked at my payment history, my credit report was at 100 % payments on time. I did not call for financial advice. Nor was my debt ( other than Navient ) and my adult children 's living arrangements any of her business. She seemed to enjoy rubbing salt into the wound of a customer who was trying to do the responsible thing and who DOES take her debt and credit report seriously. If I had wanted financial advice, I would contact an expert. 
Not XXXX # XXXX who works a call center. They can change their name but it is the old XXXX!
Product: Debt collection

I recently checked my credit report and saw posted two collection items from COMMERCIAL ACCEPTANCE CO. posted XX/XX/XXXX. I proceeded to dispute the charges via the credit agencies email dispute pages. I had sent letters to the aforementioned collection agency on or about XX/XX/XXXX and again on or about XX/XX/XXXX. I never received a response to the second letter disputing the debt. More than 18 months later this collection agency posted the debt to my account though to date they have not responded to my second request to verify the debt. The items were removed from my credit report by the end of XXXX. XXXX XXXX I received another collection notice from CAC with another stated amount. I again contacted them XX/XX/XXXX requesting verification of this debt that I do not recognize. On XX/XX/XXXX I received another collection notice with an additional collection item but still nothing showing how I owe this debt. I believe this to be a result of identity theft. I had mine and my children 's credit frozen due to identity theft that was reported to the XXXX, IN police department in XX/XX/XXXX.