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

I received a call from XXXX XXXX XXXX and they had offered me a payday loan. I had taken out a payday loan for {$500.00} and now on my Credit Report they are stating i owe over {$1300.00} and am late on payments. XXXX XXXX XXXX are illegal in the State of Florida because 1. ) they are not registered to do business in FL 2. ) their absorbant fees that they charge are illegal against Fl state laws.

I want this immediately removed from all 3 of my Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On In XX/XX/2021, I filed a report CFPB that my XXXX  Credit Report online account information was consistently hacked, incorrect information repeatedly reappearing- when fixed on XX/XX/2021 and in one week my FICO was corrected and increased to XXXX on or around XXXX and with in three days dropped from XXXX XXXX and on XXXX showed a damaging FICO score of XXXX. The XXXX people in my neighborhood have hacked into my XXXX  Credit Online Accounts, answered their calls at the call-center and began filing false delinquencies on my XXXX  Credit Bureau Reports and Accounts once again on XX/XX/2021 to XX/XX/2021 ; These people have stolen my identity and seem to be affiliates of XXXX Associates. In addition XXXX  hasnt been protecting my XXXX  Credit Bureau Account that I pay monthly and Im seeking immediate compensatory damages because of Week XXXX XXXX XX/XX/2021, FICO increase and rapid decline- from XXXX : XXXX : To date my documents will show XXXX XXXX took responsibility and closed out the account, because I paid for an XXXX bonus offer and not a {$150.00} credit card : 2. XXXX XXXX XXXX Closed out the account upon my request because my card account was stolen. I did inform the creditors these issues seem to involve their affiliates and affiliation with these neighbor criminals and hackers ; Please investigate! This is organized crime and corruption and financially damaging my lively-hood!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023,. Its been over a month you I have to receive any update from you.
Product: Debt collection

I received notification of a medical bill being owed from XXXX XXXX XXXX. I asked the company to verify the debt and was told they had already done so. I explained I had relocated a few times so please forward me the information. My spouse was in the car when a representative contacted me and the call was on speaker through the car. She informed him the debt had to do with a XXXX test and XXXX   check. This caused an argument between the two of us in which I had to disclose XXXX I had suffered and that is why I went to XXXX. I did reach out to the collection agency and informed them the bill amount was incorrect because I never took a XXXX test. Sh stated it is standard for hospitals to give one. I informed her I am XXXX XXXX XXXX XXXX since XX/XX/XXXX therefore the doctor would not have done so. I asked if she could contact XXXX and get the amount of the XXXX test removed because XXXX will not speak with me due to the debt being purchased by California Business Bureau. I even stated I a willing to pay the entire amount due if they can remove it from my credit reports because of it being an inaccurate amount. Both the representative and the Supervisor stated no because a complaint from my representative was made against the company by a Mr. XXXX. I was informed if this is not pain they will report it each month on my credit as a new debt and begin legal action. I understand it is the collection company 's right to collect what is owed but it appears as if I am being punished due to a complaint lobbied against them in reference to me by my realtor. 
I have spoken with this company between XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports : EQUIFAX MORTGAGE SER-Date of inquiry XX/XX/XXXX XXXX-XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX
Product: Student loan

Interest charges are being charged in advance. Specifically, interest charges are compounded daily ; however, every Friday the interest charges that would accrue the following Saturday and Sunday are being added to the principal balance each Friday. Additionally, I have seen several instances where the interest for the preceding days was added on a previous weekday that was not a Friday, so that interest was calculated and added in advance, rather than on the actual day in which it would have accrued. As a side note, the interest is adjusted on the following Monday ; however, this unscrupulous practice has likely caused numerous borrowers to incur additional interest and possibly affected the payoff amounts of their loans. 

I have a spreadsheet with which I use to keep track of my daily interest, payments, etc. for all of my loans and the spreadsheet consistently and accurately tracks all of my loans, interest, compound interest etc., except for this specific loan with Nelnet, due to Nelnet " padding its tab '' without explanation or cause. 

I have attached both spreadsheets. The first shows the additional {$19.00} added to the balance on the previous Friday and the second spreadsheet shows the adjustment made the following week.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Contents of Complaint : 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 Listed below are the Personal Information that are being challenged Employer - SELF EMPLOYED Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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

Equifax is reporting that I have a serious delinquency on my consumer credit report and this is incorrect. I have never paid late on any of my accounts and this false information has dragged my score down for years and resulted in me paying higher insurance premiums and paying higher interest rates. I also believe that I have been denied access to credit because Equifax is incorrectly reporting that I've paid on an account late. I have disputed this negative remark with XXXX and XXXX and they have removed the negative remark. Unfortunately the negative remark still shows in my equifax report
Product: Checking or savings account

I deposited a trustee check into my checking account with USAA from the closing of my home. I additionally deposited a {$600.00} cashiers check into my savings account. Both accounts have been placed on hold and Im being told I cant access my funds.
Product: Payday loan

I applied for a loan for {$400.00} from Bigpictureloans.com. At first, I thought it was a typical payday loan and that I would have to pay up the balance in installments every other week. When the loan was approved I read details on screen that the fee for processing the loan was only {$34.00} with a total of {$430.00} to be paid biweekly until the total was paid in full. I received a notice that I received approval for {$1000.00} which was perplexing because I did n't ask for that amount. I then received the {$400.00} which was deposited in my checking account, but with no notice of loan agreement details. I finally received the loan details after I logged into my Bigpictureloans account. The agreement was confusing and stated that I had 20 installment payments that would finally end on XX/XX/2017. The payments started off at {$140.00} with a grand total of {$2200.00} resulting in a finance fee of {$1800.00}. When I finally got a chance to call them they stated that the payment that had just processed would not post to the principal balance and was just to cover finance fees unless I paid the full amount of the loan plus the finance fee which they considered some type of " buy-out ''. Bigpicture would continue assessing and charging the finance fee until I did this considered buy-out of the loan. They would not post any payments that I made to the account until the final amount had been paid. The interest on the loan totaled a whopping 784.7312 %.
Product: Money transfer, virtual currency, or money service

They claim they can not accept my negotiable instrument, and failed to return, but are precluded by Public policy HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 USC 1601 and 1693 from demanding payment in any specific coin or currency of the United States . Section ( d ) ( 2 ) of Title 31 USC 1518 states that an obligation governed by gold coin is discharged on payment dollar for dollar, by United States coin or currency that is a legal tender at the time of payment. The narrow view that money is limited to legal tender is rejected under Section 1-201 ( 24 ) of the UCC. It is not limited to United States dollars. See official comments under section 3-104 of the UCC under the definition of money. 

Bank of New York Mellon Indenture Trustee has failed to perform their duty as fiduciary trustee of the account. 

I have done a Notorial protest against them and the account for non-acceptance and payment under sections 3-501 and 3-505 ( a ) ( b ) of the UCC, which creates the evidence or presumption of a dishonor. They knowingly or unknowingly become the debtor and myself the creditor by operation of commercial and administrative law. Also worthy of note, if they are going to treat the note as a liability instrument, they have to present it to me for payment, make me chargeable under 3-501 of the UCC, which they have also failed to do. To the extent that they are in dishonor for non-acceptance and non payment by Notorial protest on the administrative side, there has been a discharge of the debt in its entirety under the Fair Debt Collection Practices Act within the 30 day time frame as mandated by law.

They have been reported the FCC for Securities fraud and violation of my registered security.

I sent Bank of New York Mellon a Money Order/Registered Security/Negotiable Instrument in the amount of {$20000.00} to which they failed to apply to my account and have not returned. They have also failed to report the registered security to their financial books. They have been notified via their Indentured Trustee, and their CFO. They have continued to ignore my registered securities and refuse to properly credit my account. 

I have also submitted a Billing Error report to them and they are ignoring the Billing Error Dispute and harassing me via email, postal mail and telephone. They are also reporting my account as delinquent to the credit reporting agencies and that is a direct violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued concern and frustration regarding the inaccurate items on my credit report. Despite my previous attempts to rectify this matter, the issues persist, and it is disheartening to find that my credit file has not been appropriately updated. 

Clearly outline the inaccurate items on your credit report, including the account names, dates, and any other relevant details. 

Briefly summarize your previous attempts to address the inaccuracies, including dates and methods of communication with the credit bureau. 

Mention that you have attached any supporting documentation, such as evidence of payments, correspondence with creditors, or any other relevant information. 

Describe the impact these inaccuracies are having on your creditworthiness and any adverse effects, such as higher interest rates or denials for credit applications. 

Clearly state your expectations for the resolution, whether it be a thorough investigation into the inaccuracies, a correction of your credit report, or any other appropriate action. 

Specify a reasonable deadline for the credit bureau to respond to your complaint and take corrective action. I am asking for your assistance to remove the inaccurate items in my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Amex continuously pushes marketing ads to me for their Amex Offers. I decided to try one and added it to my card and then went to the participating merchants website and placed an order. Amex never gave me the promotional credit. I inquired and they said it was because the merchant was excluded ... from their own offer. That made no sense, so upon further questioning Amex said I didnt get the offer because I used paypal to check out. 1 ) I added the offer that was advertised 2 ) I made a purchase from the merchant using my amex card. I am bamboozled how Amex can try to weasel out of honoring its own advertised offer.
Product: Credit reporting or other personal consumer reports

I have previously been a XXXX XXXX XXXX XXXX in many ways such as my house being broken into and personal information such as drivers license stolen, data breaches, social security number found on the dark web ect. So as a result of that I have had to dispute inaccurate information from my credit file, however this information never gets disputed. I'm told by the XXXX that the creditor is reporting information that allows them still have it on my credit file but when i reach out to XXXX XXXX ( AllianceOne ) they say this debt is under another name but is under my social security number and they cant provide any other information because its not under my name. I have no idea what this debt is because it is not mine and i want it to be removed from my credit profiles asap. It is reporting negatively and reflecting poorly on my credit file doing detrimental to my future financial endeavors.
Product: Credit card or prepaid card

Due to the unsuccessful  XXXX   XXXX   XXXX  Credit Card, Comenity sent letter to all cardholders that effective  XXXX   XXXX ,  XXXX  the credit card will be closed and no purchases will be accepted. We were told to contact any creditor that had reoccurring charges with  XXXX   XXXX   XXXX  credit card and provide a valid Credit Card. I had no reoccurring charges and I have destroyed the card. On  XXXX ,  XXXX  and  XXXX  Comenity has charged my closed account  XXXX  each month for  XXXX  that I cancelled in  XXXX   XXXX . I called Comenity early  XXXX  about the charges and they indicated it was done in error and reversed the charge for  XXXX . The supervisor assured me that they would not accept anymore reoccurring charges, however most recently I was charged again another  XXXX . I am being charged interest on this account and Comenity continues to accept charges on this closed account and I 'm getting the runaround when I called customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to buy a house. I'm supposed to be out of my current XXXX Within 2 months. My mortgage broker called and told me that all of my navient accounts were reporting me as 90 days late, for several months, and consecutive months, over a year. I had contacted navient, several times for more than 2 years, trying to get my loans out of deferment, and set up monthly payments of {$50.00}. I would say to each person that times are hard during Covid, and that was all I could afford. Each person that I talked to would " counter offer '' me. Things like, " looks like we could set that up for {$75.00} per month, could you manage that? '' Or, " we can get a payment plan set up, but we are going to need it to be at least {$100.00} per month, any way that you could do that? '' Things like that every time. I would ask to speak to someone else. More times than not, the person on the phone was speaking " broken to very broken '' English. Having a language barrier during these conversations did not help matters. I was told that i need to go to their website and/or download their app. I would explain that I don't have a computer, I check my e-mails about once per month and mass erase XXXX XXXX at a time, I'm not a technical person, at all, and my phone is used for calls and texts. I just wanted to talk to a person to get this set up. I find it very hard to believe that there isn't anyone on staff, that I can give information to, and ask any questions that I may have of them regarding loans. I actually asked at least one of them, " why would you turn someone away that is trying to give you money every month? '' The last conversation was some time last year. Then I started hearing that all student loans were being " frozen, '' where payments and accruing interest were being paused. I was keeping up with all of the date extension, so that when it was over, I could try again. Mostly hoping that they would be happy to take my {$50.00} per month, since they hadn't been getting any money form anybody. I find out this morning from my mortgage broker that my credit score was horrible, and the only reason is navient. They reported to the credit agencies 90 days late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. If student loans are " frozen, '' then they should not be reporting any negative payment activity, definitely 90 late payment reporting and destroying peoples credit, goals and life.
Product: Credit reporting

i paid off my credit card on XX/XX/2016 and a payment was due XX/XX/2016 and they are saying i : m 30-60 days late.there is a XXXX balance on my card as of now.And this issue is costing me XXXX points on my credit which is false,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}
Product: Credit card

I am writing to your agency in hopes you can help me to dispute some charges made on my   XXXX   XXXX    XXXX   XXXX . I got contacted by   XXXX   by an unsolicited phone call. I paid them a total of {$8500.00}, which {$4000.00} was on my   XXXX   XXXX    XXXX   XXXX  card.  XXXX  promised me for services that were never rendered. I started with them on  XX/XX/2016    they called me saying I needed their services in order to my online business make money. I received nothing to this day. I was informed that I have 538 days to try to dispute. I decided to take a chance since I got involved in a mess. I lost close to  XXXX  paying these fraudulent companies and they ignored my calls after a while.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Innovis, ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, & XXXX where all told to put freezes on my report and also delete all old address off of my report ( XX/XX/2023 ) because of illegal actions and Identification Theft. All charges on my credit line are not supposed to be there I have never put anything on credit nor signed up for so much as a credit card until this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Transuion that I am a victim of identity theft and there is fraudulent accounts reporting on on my credit report that I did not open or authorize
Product: Credit reporting or other personal consumer reports

The information currently being reported is not in compliance with the Fair Credit Reporting Act ( FCRA ) guidelines, and it fails to meet the standard of maximum possible accuracy. As such, I am requesting that you immediately remove this inaccurate item from my credit report.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and I do not have a contract with PORTFOLIO RECOV ASSOC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several discrepancies that are showing on my credit report that and five by student loan 's. Each credit report is showing a different amount I need all of them to reflect the lowest amount and I 'm also requesting not Verification but validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$190.00} XXXX XXXX  XXXX Balance Owed : {$7000.00} XXXX XXXX  XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$7000.00} XXXX XXXX XXXX Balance Owed : {$7500.00} TransUnion : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$7500.00}