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

Hello, I paid my XXXX XXXX XXXX card in full on XX/XX/XXXX. 
On XX/XX/XXXX, I was charged a {$2.00} interest charge in XXXX was charged a {$14.00} late fee for the {$2.00} fee, which I was not aware of. XXXX XXXX XXXX reported my account 30 days late, which had been in good standing and completely paid in full in XXXX. I have had the account since XXXX and have never been late ; I immediately contacted them and paid the fee once I was aware of this on my credit report. They replied and apologized for the misunderstanding and agreed to remove the 30-day late report on all three credit bureaus reports. I submitted a dispute with Experian, and they said they investigated but then went on to close the dispute and leave my account with a thirty-day late report for XXXX. Had they done their due diligence, they would have received a confirmation of resolution from XXXX XXXX XXXX stating that the account was actually not late. But they closed the dispute in error. This has affected my credit by XXXX points for a 30-day late report, and my credit went from XXXX to XXXX! I have submitted the support letter from XXXX XXXX XXXX, which states that it was a mistake and will correct and report to all three bureaus ; however, XXXX refuses to acknowledge my letter. I feel discriminated against and mistreated. I am asking that my account be corrected to reflect no late payment in XXXX and add the points to my report accordingly. 
This is the message I sent to XXXX XXXX XXXX, and attached is their reply to me : To whom it may concern, please consider removing my late payment from my credit report. 
In XXXX, I paid off my balance in full. I was charged XXXX for interest. I was unaware of this charge ; therefore did not pay it on time. It was reported as a late payment. I have never paid my bill late and always paid more than the minimum. This late reporting has affected my exceptional payment history, and I would appreciate your consideration of the matter. This late was on XXXX of interest charged after being paid in full. Thank you. 
I would greatly appreciate assistance with this matter, I am a XXXX XXXX XXXX, and my credit is essential. Thank you.
Product: Debt collection

They call me at least 3-5 times a day and I have repeatedly asked for written communication only and debt validation. The call from all different numbers and call me and my family several times a day. They have use abusive communications and threatened me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Prime Acceptance are double reporting a debt. I have recently looked at my credit and noticed that this debt is reporting twice. This is a violation under the FCRA and this needs to be fixed immediately.
Product: Credit card

I was notified via email that Citi credit card account has been compromised and a few unauthorized users were added to my account without my knowledge as a result multiple unauthorized charges were made. I called Citi fraud prevention and requested to open an investigation and to close my account. Citi refused to do it and issued another card that was hacked immediately. When I called the fraud department, my XXXX account that had my Citi card had unauthorized ppl added and they made multiple charges. I currently can't use my XXXX account because of the pending unauthorized charges that Citi never resolved. I called Citi and spoke to the fraud department more than 10 times with a request to close the hacked account and up to today, the account is still opened. Citi opened another account that was hacked immediately. I also received a card to my home address with someone else 's name that I did not recognize or authorize to use my card. When I kept requesting to close all my accounts with the Citi the answer is that they can't do it and I need to wait 3-5 business days. As a result, my XXXX, best buy, XXXX and XXXX accounts were hacked and unauthorized charges were made.
Product: Debt collection

I had phone services with XXXX XXXX for about ten years and decided to switch providers in XX/XX/2022 to XXXX XXXX paid off the remaining balance on XXXX of my devices. i am now getting collections letter from XXXX stating that i owe them {$1100.00} for nonpayment when they agreed to port all my lines over from XXXX to XXXX. I kept the same numbers as i had with XXXX. the only way they would allow me to do that was to pay off my last bill, which i did, and were able to keep my phones and numbers. Now they are trying to charge something that was already paid.
Product: Student loan

I am writing to formally lodge a complaint regarding the practices of Navient XXXX XXXX XXXX XXXX concerning my XXXX XXXXXXXX XXXX XXXX XXXX. During the years XXXX to XXXX, I was charged forbearance fees. Those fees were {$50.00} for each forbearance dated ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ); totaled at {$250.00} in fees. Despite my attempts to resolve the matter, I was denied access to release my co-signer on multiple attempts. 

I have also discovered that I have paid a total of {$28000.00} in interest and principal payments equal to {$9900.00}. However, my overall balance due to Navient is, as of date : {$22000.00}. For a XXXX XXXX XXXX XXXX student loan with an original principal of {$24000.00}. 

By my calculations, I have overpaid by approximately {$13000.00} over the life of the loan. I have repeatedly asked for forgiveness plans, payment modification options, and assistance in resolving late fees but have been consistently denied. Furthermore, my co-signer continues to be held responsible for this loan despite my ongoing efforts to secure their release. 

The loan entered repayment in XXXX, and I am still making payments in XXXX. This loan has been in repayment for over XXXX  years, totaling approximately XXXX days. I feel that I have been unfairly harmed by these practices and would greatly appreciate the Consumer Financial Protection Bureau taking enforcement action to rectify this situation. I believe the charges and denial of reasonable requests for relief violate my rights as a consumer, and I am requesting an immediate review and resolution.
Product: Debt collection

Hi I have a problem whit  XXXX   XXXX  a tax this company try to colle ct a tax deb but I call a several times and I sent a letter I am not the person I explain some one else use my identification and buy a several cars I ca n't pay the vehicle tax because I never buy those cars. The last time I spoke whit this company and I sent a letter explaining the situation and then the company stop charging the amount now the company try again to charge me more and I do n't no why do n't understand I am a identity thief victim
Product: Credit reporting, credit repair services, or other personal consumer reports

First off i would like to state that i am not receiving any help from a 3rd party with this, this is soley me XXXX XXXX writing this complaint. My complaint is simply concerning my credit reporting. i viewed my credit reports ( equifax XXXX and XXXX ) what shocked me is that items were removed from my credit report, but what i noticed is that those same removed items from my credit report has now been re entered on my credit report and that is a XXXX XXXX account that was removed and re entered on equifax, XXXX and XXXX there was a 2nd account that was removed and reentered, account XXXX XXXX XXXX, i never received anything in writing of the reinsertion in writing, not later than 5 busniess days after the reinsertion on my credit report, Another thing is i noticed that a medical account is on my credit report which is a frca violation as well in 15 usc 1681a ( 3 ) it says the exclusions from a credit or consumer report and medical information is one. CFPB i am certain that you will see this and not see it with any discrimation
Product: Debt collection

Dear CFPB, I am writing to formally dispute the presence of several accounts from LVNV Funding LLC on my credit report. These accounts do not belong to me, and I have never had any contact or financial dealings with LVNV Funding LLC. Despite my attempts to have these accounts removed by the credit bureaus, they remain on my report, negatively impacting my credit standing. 

The details of the disputed accounts are as follows : Creditor : LVNV Funding LLC Account Balances : {$3100.00}, {$3800.00}, {$11000.00}, and {$620.00} ( as recently reported ) Open Dates : Various Status : Collection I have disputed these accounts with the credit bureaus, yet they have refused to remove them despite my lack of association with LVNV Funding LLC. I request that the CFPB intervene in this matter and ensure that these fraudulent accounts are deleted from my credit report as they are inaccurate. 

Enclosed with this letter are copies of my credit report highlighting the disputed accounts, my identification, and any previous correspondence regarding these disputes. I kindly request a thorough investigation and immediate removal of these accounts from my credit file. 

Thank you for your prompt attention to this matter. Please confirm receipt of my dispute and provide an update on the investigation. I appreciate your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

While banking with US Bank Corp I was charged several fees. I followed all bank policies to avoid these fees. A letter for all 5 deposits was given to the bank prior to place a hold on the deposit until the funds were available, just 1 day later. Instead of placing the hold the deposits were processed and I was charged several fees to add to a total of {$360.00}. My account was closed for an overdraft amount of {$250.00}. I feel that I folllowed all necessary procedures to insure that these fees were avoided and would like the {$250.00} credited back to my account. I understand the account will still be closed but this will leave a {$0.00} balance. After talking with my attorney, he feels that this is a reasonable request. I'am prepared to file small claim paperwork if necessary. At that time I will request {$1800.00} for fees associated with the filing all of the paperwork.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I've sent the credit Bureaus letters to verify the debt on my credit report. In response the credit Bureaus have looked into the matter and sent back reports saying, they have verified all the debts correctly. However, my credit report is still showing inaccuracies. I have highlighted the inaccuracies on my credit report. You will see the dates don't match up and are inconsistent from, ** Date Opened, Last Reported, and Date Last Active. ** The inaccuracies below- * XXXX XXXX XXXX : Account Number : # XXXX For all 3 credit Bureaus * Caine & Weiner : Account Number : # XXXX On XXXX Credit Bureaus Report XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX- Account number XXXX XXXX 15 U.S. Code 1681s2 ( A ) ( 1 ) - Responsibilities of furnishers of information to consumer reporting agencies. 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: Debt collection

Collection Agency is trying to collect money I do not owe, for a vehicle that was impounded. The vehicle was not mine nor registered to me. I have repeatedly told her this issue is not mine, it is my dad 's ( we have the same name. ) it has been disputed with the XXXX credit bureaus but she told me she will not remove it until it is paid. I repeatedly told her, it 's my dad 's, and she said she has documents with my social security number that links it to me. I have asked for the documents or proof, which have been denied. I 've been told to have my dad call them to pay the debt and then they will remove it. She will not release information as to how my social security was obtained, which I believe was obtained in an unethical manner through a third party.
Product: Credit card or prepaid card

I been a victim of fraud I paid credit card and my card was lost and the balance were used I was promised a check in the amount of XXXX which I never received in the mail to me
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OR XXXX ; XXXX XXXX XXXX XXXX XXXX , OR XXXX ; XXXX  XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I initially took out a student loan with XXXX XXXX XXXX XXXX to pay for a XXXX XXXX XXXX  studying at XXXX XXXX XXXX XXXX University   XXXX, training provided by XXXX XXXX. However, the training was less than satisfaction for all the students so the school had agreed to issue all students full refund on XX/XX/2020 in the amount of {$8300.00}. The refund was processed and confirmed by a representative at XXXX XXXX on XX/XX/2020 and confirmed again by the accounting manager of XXXX XXXX, XXXX XXXX, on XX/XX/2020. Please see attached email communications for details. 
The XXXX XXXX representative also referred me to their loan servicing company, University Accounting Service , LLC ( UAS ) for more details on the status of my refund check. I contacted UAS for the first time in XX/XX/2020 through their online contact portal asking them about the refund status and when the check will be issued. One of the companys representative responded by telling me they forwarded my question their accountant specialist who will get back with me for the details. No one from this company has gotten back with me. I waited approximately 2 weeks and decided to call their customer service number ( XXXX ) on XX/XX/2020. The representative who answered the phone informed me that I will need to wait from 45 60 days counting from XX/XX/2020 for them to issue the refund check. I monitored and saw that my account became {$0.00} balance ( from having {$8300.00} refund ) on XX/XX/2020 so I contacted the company again through their online contact portal and was informed that my refund was processed on XX/XX/2020. However, it has been over 10 days and I still have not received the check in my mail. I contacted the company again on XX/XX/2020 asking for the date the check was sent out. They have refused to provide me with any answers. As of today, XX/XX/2020, this company still refused to issue my refund or even confirm if they have send the refund check. Additional email communications are attached for your review. Thank you.
Product: Credit reporting or other personal consumer reports

I have been in contact with Experian since XXXX on unauthorized inquiries on my credit report. I called several times as well as talked online and submitted proof ( i.e. FTC reports, etc. ) saying I did not inquire about credit. 

I do not have a mortgage or seeking one at the moment so why are all of these inquiries on my report? 

I asked for verified proof and to date have not received any. 

I will be contacting legal as well as the attorney general. Also, I use to be able to dispute inquiries online and I can not anymore.
Product: Mortgage

Located in XXXX XXXX XXXX this company engaged in REPEATED CONSUMER FRAUD, violating both Federal and California Consumer Laws. This Fraudster does not credit my mortgage payment paid in the beginning of every month and creates a FRAUDULENT mortgage loan balance forward dating XXXX of each month, without crediting mortgage payment. 

Did not credit all mortgage payments - including XXXX, 2020 and XX/XX/2020 mortgage payments. 

This Fraudster did not even comply with First Qualified Written Request. 

My patient has run out. I will sue this Fraudster on XX/XX/2020, seeking damages and attorneys fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was closed on the XXXX XX/XX/2023 Due to recent account activity, East West Bank has made the decision to close my account ending in XXXX
Product: Debt collection

Violation 607.Compliance procedures [ 15 U.S.C. 1681el ] B ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Both files are fraudulent and dont belong to me. Both accounts are reporting different balances even while company tried to say they verified debt. Company has stated they won run disputes because theyve ran them accurately. Paperwork will show that was a lie as well as their attempts to collect incorrect amounts with information they stole from my person file
Product: Credit reporting or other personal consumer reports

upon looking over my consumer report i notice there where multiple unauthorized credit inquiries that i did not authorize or initiate. these unauthorized inquiries have raised concernd about the security of my personal credit information. to provide more context the unauthorized inquiries appear as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

AMERICAN HONDA Finance has posted DEROGATORY CREDIT REPORT. In XX/XX/XXXX I spoke directly to Honda Financial Services and was promised that any negative report would be removed. XXXX XXXX  XXXX sold the vehicle I returned to Honda for an outrageous amount making three times the difference of money owed. I was notified at the time Honda sold the vehicle and requested to sign a release of ownership. Later, as years have passed seems a personal intention to damage my credit. This account was deleted. Promises to delete were made by e mail by Honda Financial. However this account appears again not only after was deleted, but in violation to the California and Federal rights. 
Credit was closed in XX/XX/XXXX. Not only this derogatory reposted credit has ruined my reputation, but I have received a letter from XXXX lowering my credit line due to Honda derogatory credit. 
In the State of California as in USA, 7 YEARS after a credit age, the credit has to be removed. Worse if the postings bring defamation to the life of a Citizen. 

Under the United States Court of Appeals, Fifth Circuit, Case No. XXXX, XXXX XXXX vs. XXXX, XX/XX/XXXX. Court Ruling Section 1681o authorizes a consumer to recover actual damages sustained from the consumer reporting agency 's negligent violation of a requirement under FCRA. 
Actual damages include humiliation or mental distress, even if the consumer has suffered no out-of-pocket losses for derogatory credit defamating my character as it is, especially after having spoken with Honda Financial and having Honda promised to delete the derogatory adpect and the credit. Honda never  released the total amount of sales, yet they notified the vehicle had been sold with sufficient funds to have the credit corrected.. The credit was opened on XX/XX/XXXX and vehicle re-acquired by Honda few months after.