23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX has discussed details of my account with a third party, whom I listed as a reference. They have gone as far as sending a billing statement to this individual addressed to their name.The payment stub had my name on it but was addressed to my reference, whom is not a co-signor of the loan nor are they my spouse. I understand the laws differ in regards to collection practices and what stage of collections an account might be at. I also am well aware of privacy policies and what was stated in the contract that I signed. Regardless of the verbage, in the contract, information about the account to anyoneother than the borrower, their spouse, or a co-signor is not permited. The law is what holds precedence. Please correct me if I 'm wrong.
Product: Credit card

Ulta Comenity credit card says I did not have auto pay on and I did so they charged me XXXX I called and the attendant said she would take off the XXXX now after putting auto pay on they said it was not on again and charging another XXXX asking these are both removed
Product: Credit card

I've had this credit card for no less than 5yrs. ( XXXX or XXXX when granted use of the card ) For the entire time I had this card I missed ( not one ) monthly payment. 
When inflation started, I started taking stock of my spending and noticed that the principal of this card wasn't going down. I looked at my billing statement and realized that the I was being charged two different rates ( XXXX & XXXX ) in order to calculate my monthly payment. 
The structure of the bill was too ambiguous to interpret so I call to get clarity and I could not get a straight answer after speaking with two representatives. 
So, I am at a loss. Also, I kept getting a credit increase periodically and I never requested any increase, yet the increases kept coming. On the billing statement there is no posting of the original credit card rate. 
There is no clear policy on how much interest it charged? So, I would like to know what the actual rate was to be. I could not figure it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau reporting inaccurate information. Call to complain about the inaccurate information and was told by representative that it was fixed. Then later to find out that none of that was through outstanding balances that are incorrect are still on my credit report. Ask to speak to a supervisor the supervisor was rude and ask me to call back later. She was not helpful. Said her system was down. My Business credit application was declined because of the inaccurate information on my credit report, that they assured me would be corrected.
Product: Credit reporting or other personal consumer reports

I am writing to dispute specific accounts and inquiries listed on my consumer credit report, as outlined below. These entries appear to have resulted from a data breach, fraud, or unauthorized actions, and I request a comprehensive investigation into their legitimacy. Additionally, I require verifiable proof of these inquiries, including documentation with my signature or electronic signature. 

This letter is written on my behalf and not through a third party, so I ask that you review it thoroughly. I did not authorize the disputed actions, which violate my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ]. 
Section 604 : Permissible purposes for accessing consumer reports [ 15 U.S.C. 1681b ]. 
I have already contacted the relevant companies and determined that these actions were carried out without proper validation or adherence to legal standards. As such, I maintain that the accounts and inquiries in question are both inaccurate and unauthorized. I believe they are the result of a data breach or improper reporting by creditors or third-party data furnishers. 

In compliance with the FCRA, I request the immediate removal of these fraudulent entries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I have been reaching out to Equifax in regards to incorrect information reported on my credit report. I have been requesting information from them and still haven't received any reply. This has been an on going issue and I would like it to be solved
Product: Checking or savings account

I am locked out of my Robinhood/XXXX  XXXX  account after not being able to receive a security text message. I followed the instructions I received but have not received any follow-up. Now I have access to the phone number in question again but the security texts are not being delivered, I assume they are going to the landline number I gave them while trying to resolve this. I am trying over and over to get their attention on XXXX and by email to no avail. So now I dont have access to my money and am stressed. I can not give you the account number as I would need to log in to see it. My case number for this is XXXX.
Product: Mortgage

I have been trying to complete a loan modification with my lender for 2 years and am continually lied too. They send me a letter, emails, and verify by phone that all the information has been received and under review and then a few days to weeks later I get a call that the information is not complete and I get denied. I have gone through this at least 3 times with the latest being today. I received a letter of denial because they claim the documents are not complete after I have received a letter stating it has all been received. Then I get a call from a new account manager telling me it is not and is completely unaware that the letter has been received. I respond to that via phone and the new account manager looks at the received documents and tells me it was his oversight and that they have what they need. About 5 days later I get another call from another account manager that is supposedly helping my account manager and he tells me that they need more documents, newer versions of what I already sent them because they took too long to review them. So, I submit them again and receive an email confirming they are received. 
Today I get the letter that states otherwise. I keep getting lied to and have done some research on my lender and this is business as usual for them. I need someone to intervene and keep them honest and force then to do what the government has put into place. I am convinced they are are more concerned with forcing me out of my home than working to keep me in it.
Product: Credit reporting or other personal consumer reports

My XXXXXXXX XXXX loan is being reported as closed, however it is not closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act INDIVIDUAL-ACCOUNT # XXXX, had violated my rights. 

15 U.S.C 1681 section 602A, states I have the right to privacy 15 U.S.C 1681 section 604A states I a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

The company in dispute : Credit Collection Services XXXX XXXX XXXX XXXX. 
XXXX, XXXX I have been placed on collections for several years with this company in regard to the same alleged unpaid bill. Over the past XXXX years I have been contesting the collection and every time it gets taken off the credit report ; then a year later shows up again. 

Every time I have disputed the collection, it gets dropped out ; but no records have ever been sent to me pertinent to the original bill/account. 

I am not even sure who is the original company, as I have asked in many times to receive the copy of the original company. It appears to be from a XXXX  company, or similar. 

The problem is that this keeps showing up every year after it has been erased, despite constants requests and disputes. 

It is very frustrating, as the amount is not even large. The total disputed amount is for {$300.00}. It makes me wonder that they are doing this in order for me to pay it, and just try to get it finally removed from the credit Bureaus. I believe that this tactic is unfair, predatory and inappropriate ; as I have not given the opportunity to even confirm this collection/debt. 

I have a very good credit, and no other issues ; but this collection is significantly affecting my scores as it shows every year, so it renews the cycle making it last for even longer.
Product: Student loan

In correspondence dated XXXX XXXX, 2016, I received a notice from American Education Services stating that my Income Based Repayment plan had been recalculated. I lost my job in XXXX, so my monthly payment was recalculated to be {$0.00}. But I subsequently received correspondence dated XXXX XXXX, 2016, threatening that my loan " will default '' and that " we urge you to make payments to bring your loan ( s ) current. '' I contacted customer service and was told that because I did n't 'check a box ' on my IBR form, I somehow wound up in danger of getting into default. The explanation was inadequate but no further details were forthcoming. The representative was able to go into my account and retroactively 'check the box ' to bring my account 'current, ' and get me out of the potential default situation. But clearly they approved my IBR application, based on the XXXX XXXX letter. There was no explanation provided other than my 'failure ' to 'check the box. '??? I am left confused and angry as to why I suddenly received threatening letters from AES regarding a potential 'default, ' when I previously received a notification saying that my IBR was current and that I do not currently owe anything. I find the labyrinthine process that led me to this point INTENTIONALLY confusing and INTENTIONALLY harassing. The process of applying/reapplying for Income Based Repayment should NEVER result in threatening letters accusing the borrower of delinquency and threatening default.
Product: Debt collection

They company approach to me at XXXX and took my belong nings after that i request to take out my stuff of the car and they are trying to charge me a XXXX dlls fee, after that they contact me charging me a ver of XXXX dlls
Product: Checking or savings account

XXXX XXXX opened A Bank account with chase, deposited my inheritance From a life insurance policy left solely to me. XXXX was deposited into a closed chase account XX/XX/2021, Withdrew funds has been harassing stalking and unable to locate since .....
Product: Credit reporting or other personal consumer reports

Hello, I have recently disputed errors on my credit report with TransUnion and realized the errors on my credit report still exist. The accounts were Verified but no proper verification was provided. I have listed the accounts below that still have multiple errors and inaccuracies : 1.DEPT OF ED / XXXX  # XXXX 2.XXXX XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX I sent a letter to Tranunion explaining the illegal errors and inaccuracies being reported . I requested they delete the inaccurate accounts or provide Verification, but I have not received any proper verification in a timely manner.

I understand this is a direct violation of my rights via 15 USC 1681i ( a ) ( 1 ) ( A ). I request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent. 

Acct. name - XXXX XXXX XXXX  acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXXXXXX XXXX XXXXXXXX Balance {$2300.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm preparing to purchase a home so I had credit pulled to see what if anything I needed to work on. Unfortunately when I ran my credit, I noticed a slew of things that should not be on here because they absolutely do not belong to me. I contacted the local police and FTC. Now I need your help with this issue. I'd like all these items removed as soon as possible as they are causing a negative effect on my credit. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UNIVERSITY XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Also, there are even a few items on the report that do not have a name, only account numbers. Unknown item acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX  XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX Fraud XXXX XXXX Fraud XXXX XXXX Fraud XXXX Fraud XXXX Fraud XXXX Fraud XXXX  XXXX Fraud All of these inquiries on my credit report were obtained fraudulently.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to have the following information in my file deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2022 I had my credit score run when I was looking to buy a house. My score was XXXX because of my nearly perfect credit history ( i.e. no missed or late payments, no outstanding accounts ). A few months later, I noticed that my credit score dropped significantly, over 100 points. I looked into this further and it turns out that one of my credit cards that I don't use -- my XXXX card -- had XXXX unauthorized charges on it for {$10.00} and {$18.00} in XXXX 2022. I was not made aware of this until XXXX when I noticed my credit had dropped, because XXXX reported the unpaid charges and associated late fees equally {$120.00} to all three credit agencies. I immediately reached out to the XXXX XXXX XXXX XXXX department to clear this up. I disputed the charges, which were refunded and my account balance returned to {$0.00}. However, all three credit agencies are still reporting a 60 day late notice on my credit report, resulting in a dramatically lowered credit score, which really has disastrous effects on my financial life at this point. I have disputed this issue with all three credit agencies twice, and this issue has yet to be resolved. I am attaching documentation showing the {$28.00} and associated late fees refunded by XXXX to show my account back to {$0.00} and in good standing. I desperately need this off of my credit report, which was previously perfect without any late payments or outstanding accounts. As a financially independent single person trying to buy a home and make a life for myself with high student loans and no financial help from family or friends, it is imperative that I maintain good credit to be able to achieve my goals. I've worked incredibly hard to keep my credit perfect, and this has been an incredible source of stress and concern, and an issue that can cost me tens of thousands of dollars over time if I take out a mortgage or car loan with a lowered credit score. Thank you very much for your help in having this 60 day late fee notice removed from my credit score at all three credit agencies and repairing my credit and credit limit with XXXX.
Product: Vehicle loan or lease

I have a car loan with Santander Consumer USA. I bought a 2017 XXXX XXXX XXXX from XXXX XXXX, XXXX, FL on XX/XX/2017. My payments are XXXX a month and in the 20 months I have been paying on my XXXX dollar loan I am down to XXXX dollars. I normally have around XXXX a month go to my principal. I always pay my loan early so I'm not late and not penalized. I made my XXXX payment which was due on XX/XX/XXXX on XX/XX/XXXX, my XXXX payment was paid on XX/XX/XXXX. Now it wasn't due until XX/XX/XXXX. I got my XXXX bill and I noticed that instead of XXXX going on my principal, only XXXX did and XXXX went to interest! I always pay my payment early so I could not understand why this happened. When I called Santander, I was told that because there was more than 30 days between my payments i was charged interest daily! So I was penalized with extra interest that i can't understand why. There are on average, 30 days in a month. Why have monthly payments if you are charged daily? I don't understand this. If anything I should save on interest for paying it early. So I asked for a payoff balance and it is more than i owe! How is that? My payoff balance is XXXX. I asked to speak to a supervisor and I was on hold forever and then the line was disconnected. This is unfair business practice. There are numerous complaints against this company and I just want what is fair.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear cfpb Subject : Dispute of Inaccurate Information Request for Compliance with FCRA Dear Sir/Madam, I am writing to formally dispute the inaccurate information that appears on my credit report provided by your agency. Upon reviewing my credit report, I have identified the following item ( s ) that I believe to be incorrect : [ List the inaccurate item ( s ) on your report and the reason you dispute them. ] Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( o ), which addresses civil liability for negligent noncompliance, I am requesting that you conduct a reasonable investigation of these items. Your failure to properly investigate or rectify the information could result in legal action based on negligent noncompliance with the FCRA. 

As stipulated in the FCRA, you are required to complete an investigation within 30 days and provide a response to this dispute. I expect this issue to be corrected or clarified promptly to avoid any further escalation of this matter. 

If you find the information to be accurate, I kindly request that you provide documentation supporting the validity of the data reported. If the information is incorrect, I ask that it be removed or corrected accordingly. 

Please provide me with an updated copy of my credit report after completing the investigation and any adjustments made. 

Thank you for your prompt attention to this matter. If you need any additional information from me to process this dispute, please let me know. 

Sincerely,
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a transfer of {$4000.00} USD dollars from my XXXX XXXX  XXXX to XXXX using WoldRemit. The transfer has been already with their local partner to finish the process of depositing my money, but it's almost two weeks and the transfer hasn't been done. They stopped answering my daily question " where is my money ''.
Product: Debt collection

My mortgage was one of the thousands of mortgages caught up In Countrywide Fraudlent Mortgage Practices '' The law firm working with Countrywide was Disbarred for his fraudlent practices. 
I have spent thousands if dollars defending my home and my Credit records. 
I have and also have paid several attornies who have also requested under RESPA- FDIC and other documentations Such as QWR from these companies who now claim they own this fraudulent mortgage. 
On XX/XX/2016 I mailed another request by certified mail # XXXX to all addresses listed for XXXX with only an acknowledgement letter from them stating that they have received my request but still no other response was received from them. 
Now they have listed a whopping {$760000.00} Balance on my Credit report with XXXX   and other reporting agencies. 
Which I have DISPUTED but it is still listed on my account XXXX have not sent me any proof from the company to justify them having it remaining on my Credit report. 
Please note also that this DISPUTED mortgage have been dismissed in the XXXX XXXX Court Once by the court and second by XXXX who withdrew their case after the court ordered us to go to mediation of which they stated ( at mediation ) that they showed up at the mediation only because they were ordered by the Judge XXXX, but have no intent of trying to work out anything. ( They did not act in good faith ) made me waist my money and time as I had to pay half of the mediationvfees along with attorney fees 0as well ) Then they filed the enclosed motion withdrawing their case. ( see enclosed ) Please have this company remove this false reporting from my Credit Report which is causing me GREAT HARM. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not securely store vital financial data they collected on me and millions of other people. Once the data was stolen they did not notify me directly, and had no appropriate solutions. Vital current information, like bank account numbers, addresses and drivers license number were left exposed, as was permanent information, like my social security number. This means I am for ever at risk of identity theft and tax fraud. The only solutions offered by Equifax have been temporary, limited to the next couple of months. Additionally, they have used this as an opportunity to promote other services, trying to make money from their own failure. 

The few options I have as a consumer ( checking my credit score, credit freezes and fraud alerts ) have been nearly impossible with all three major credit companies ( Equifax, XXXX and XXXX ). With Equifax in particular it has been completely impossible, since they seem not to have the resources to deal with all the affected customers. This means I have to spend several hours trying to solve this problem. Additionally, over the course of the lifetime this hack will affect me, I will have to keep spending time and money to freeze and unfreeze my account, and to monitor my credit. This is entirely caused by a company I never chose to have business with in the first place.
Product: Checking or savings account

My direct deposit from employer was sent to my bank account, 2 full business days later the bank still has not released funds to my account.
Product: Debt collection

I received communication from a debt collection agency through text messages by the name of WAKEFIELD & ASSOCIATES. This agency has already assumed an alleged debt belongs to me and I have not received any information regarding the alleged debt they mentioned nor a contract with my signature. Tennessee state law requires debt collectors to have a license before they can collect from any consumer in Tennessee. I researched their company, and they do not have a Tennessee license. This is a violation, an invasion of privacy, and harassment.