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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Navient has reported half of my loans incorrectly to the Federal Database by failing to provide the actual percentage interest rate and instead just calling them " variable '' with no specific percentage interest rate noted. As a result, when I go to " consolidate '' my loans, the federal consolidation system states that the " consolidation '' process would raise the interest rates on ALL my loans to a percentage much higher than any of my current percentage interest rates. Now half of my loans have an interest rate under XXXX percent and the other half have an interest rate of XXXX percent. When I go to the federal site to " consolidate '' these loans, the site tells me that their so-called " consolidation '' would raise the interest rate on ALL my loans to XXXX percent, a horrifying injustice and violation of the federal government 's representation that the " consolidated '' interest rate should be between the current rates, not higher than them. Please tell Navient to report the actual interest rate to the Federal Database, so that the " consolidation '' does not illegally raise my interest rate on all my loans well over and above the current highest rate. Otherwise, the federal government is committing deception and theft through the so-called " consolidation '' process. Unless Navient reports the actual interest rates on my loans, I will be unable to consolidate my loans and will be ineligible for Public Service Loan Forgiveness. I have called Navient Customer Service twice about this problem, and both times they have put me on endless hold until their phone system automatically ended the call against my will. When I wrote to Navient about this problem, they replied by copying boilerplate from a manual that had nothing to do with my problem. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Many times delayed that is being reported on my credit report appears to be inacurate and or misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I was trying to obtain a loan the loan company needed a credit report. Experian offered it for XXXX for a 7 day trial. I cancelled it before the 7 day trial ended. On XX/XX/19 I received an email stating my report was free. I called XXXX XXXX XXXX to make certain it was cancelled. On XX/XX/19 I received a email from Experian stating there was a issue with my account. I called XXXX XXXX XXXX to inquire the automated ph stated I had no membership. On XX/XX/19 @ XXXX I called XXXX XXXX XXXX to speak to a representative to make certain that it was cancelled, he assured me I had no account. On XX/XX/19 I checked my bank account @ XXXX I see a XXXX posted transaction from Experian. I called the number XXXX XXXX to inquire on membership # that I never had XXXX and have yet to get my phone inquiry through automated phone system I want a full refund for this unauthorized transaction.
Product: Debt collection

On XX/XX/year> I arrived home to a notice stating I was being sued for an unpaid debt to XXXX XXXX XXXX XXXX. However, this is my first time receiving any information about the alleged debt due. 

XXXX XXXX XXXX failed to notify me prior to taking any legal action as well as failed to serve me properly.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act
Product: Student loan

Loan passed on to Navient who has me on income sensitive payments with no understanding of that while i make a good salary they have been increasing my payment requirements to upwards of 2-3k.  this is not manageable and my loan balance due to deferments has increased to over 300k. there is no clarity on this at all. i want to transfer my loan to another provider and I want to make sure that once i start paying it is manageable as well as that the interest they continue to charge is allowable. i was not aware of this increasing amount at all
Product: Debt collection

Security Credit Service is reporting a collection account into my credit report that does not belong to me. I don't know what that company it is and I never got any credit with Security Credit Service or with the original creditor : XXXX ( per description in my credit report ). I already disputed this account and the company haven't provided any documentation to confirm this account belong to me. Also I already file a disputed on my credit report but haven't not received any response back and right now this is affecting me in my home purchase process that I'm going through at this time. I need this account that I never owned to be removed from my credit report because this is causing a financial hardship, I'm in the risk to loose my deposit that I put as a down for my home purchase because of this ineligible account. I feel this is an abusive practice and a clearly UDAPP violation.
Product: Credit card or prepaid card

As of XX/XX/20 my synchrony bank account for Rooms To Go credit limit was decreased by the company from {$1500.00} to {$580.00}. This action caused that my credit score decreased 36 points. I contacted the company and they said it was a decision based on a credit report they pulled to review accounts. 
All the accounts on my credit report are paid up to date, never late, never passed credit limit. I have the goal to improve my credits and action like this do not help. I am blamed of utilizing the credit, well during this situation is needed. I have been XXXX  from XXXX since XX/XX/XXXX creating additional expenses, plus the fact that all products increased do not help. I am reporting this discriminatory action that injured my credit and possibilities of improving. I even have the risk that other creditors lower or closed my accounts due to this action.
Product: Credit reporting or other personal consumer reports

I requested investigation for charge off/written off and bankruptcy to be remove. Experian failed to investigate and updated reports. After proof was provided to show that the bankruptcy court do not report to credit bureaus. The written off/charged off did not receive 1099 and company could it find information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi bank has been reporting two of my accounts as 30 days late since XXXX and XXXX respectively, up to the current date. I, however, I was paying as agreed during these months after receiving three months of forbearance. I called every month to tell them during COVID that I could not pay. When I login to my accounts online, they don't even show a past due amount. When I ask a customer service representative for what is past due, they say nothing. I ask to speak to someone that can resolve internally so that it will not be reported incorrectly going forward and they say they don't have a credit dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres is a lot of times where thy have pulled my credit report and it should not have been done
Product: Debt collection

I had a test ordered for XXXX. The doctor did not sign the order until the insurance company OK 'd the order. I told XXXX that I would not allow the test until I was assured the insurance would pay. XXXX assured my doctor and myself the insurance would pay. 2 months after the test, I got a reject from my insurance company and XXXX wanted to bill me {$780.00} for the test! I told them I was not going to pay for it because they stated that the insurance OK 'd the bill Also the collection company does not have a valid VA SCC number so they can not do business in VA! They are breaking Virginia Law!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I am a victim of XXXX data breach i've added some documents of some of the damages being in identity theft
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENITY THEFT. I BELEIVE MY SISTER XXXX XXXX XXXX FILED 2 BANKRUPTCIES IN MY NAME ONE ON XX/XX/2019 XXXX # XXXX AND AGAIN ON XX/XX/2019 XXXX # XXXX. I CONTACTEDTHE AUTHORTIES IN XXXX NEW JERSEY BY PHONE AND WAS TOLD IN ORDER TO FILE A IDENITY THEFT REPORT I HAD TO COME IN PERSON AND FILE IT SO I TOOK A PLANE FROM CALIFORINIA TO NEW JERSEY AND FILED A REPORT. i THEN SENT IT TO ALL 3 CREDIT BUREAUS AND TRANS UNION REFUSED TO TAKE IT OFF AFTER I SPENT MY TIME AND MONEY TO GO TO XXXX POLICE DEPT TO FILE A REPORT. THE DETECTIVE INVESSTIGATING THE CASE IS XXXX XXXX A XXXX.
Product: Credit reporting or other personal consumer reports

XXXX is frivolously reporting a bankruptcy on my consumer report that has not been validated or verified in accordance to the law. Us bankruptcy court has assured me that they do not validate any public records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Now it is costing me hours of my time and money to freeze my credit report -- and I will need to continue expending this time, money, and energy to freeze and unfreeze these reports for the foreseeable future. In particular, I have STILL been unable to retrieve a credit report, set up a fraud alert, or freeze my credit with two major vendors ( Equifax included ), despite trying for hours.
This is an undue burden from a company I have never chosen to do business with, as they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am  compensated for their negligence and that something like this does not occur again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions.

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

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Product: Credit card or prepaid card

I typically pay this account in full each month by transferring funds from my primary checking account with XXXX XXXX XXXXXXXX into First Tech Federal Credit Union. I called First tech Federal Credit Union on XX/XX/2022 to inquire about an alternate way to pay the account as it would have become past due and was told I had a ten day grace period, and as long as I submitted a transfer request fro a future date there would be no impact to my account. First Tech Federal credit Union then reported this account as 30 days past due. First Tech Federal Credit Union has a copy of my conversation with the representative. 

If I hadn't been provided false and misleading information I would have paid the past due amount in some alternative manner to avoid an impact to my credit report, which has no past due payments whatsoever and I am currently in the process of buying a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my Equifax report and I never heard of the company and they provide no information on it in the report. I have had no dealings with this company! It looks like this : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   This inquiry could stay on your report untilXXXX XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 

I have had no dealings with this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have violated my rights : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 15 U.S.C . 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Checking or savings account

I am writing to express my disappointment and frustration regarding a discrepancy in the promotional bonus that I received upon opening a Business Advantage Fundamentals checking account with Bank of America. I recently opened this account with the intention of taking advantage of the promotional offer associated with promo code PSDCIS, which promised a {$1000.00} bonus upon fulfilling the required criteria. However, upon reviewing my account, I was dismayed to find that I only received {$200.00} instead of the promised amount. 

As a conscientious customer, I diligently met all the specified requirements for the promotional offer, ensuring that I fulfilled every condition outlined in the terms and conditions. Despite my adherence to the terms of the promotion, the discrepancy in the bonus amount is both disheartening and concerning. The shortfall of {$800.00} not only reflects poorly on the bank 's commitment to honoring its promotional offers but also undermines the trust and confidence that I had placed in Bank of America as a reputable financial institution. 

I am requesting an immediate investigation into this matter and a thorough review of my account activity to rectify this discrepancy. It is imperative that I receive the full promotional bonus amount of {$1000.00}, as initially promised. I have attached relevant documentation, including proof of account opening and fulfillment of promotional requirements, for your reference and review. 

Furthermore, I would appreciate prompt communication regarding the status of this inquiry and a resolution to be reached within a reasonable timeframe. As a loyal customer, I expect nothing less than transparency, accountability, and adherence to the terms of the promotional offer. 

In conclusion, I demand the reimbursement of the additional {$800.00} bonus owed to me without further delay. Failure to address this matter satisfactorily will compel me to escalate my concerns through relevant consumer advocacy channels and regulatory authorities. 

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of trust in Bank of America 's commitment to customer satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full and I was advised that it would be removed from my credit report. I also continued business with this company after the account was paid. I would like it removed permanently.
Product: Debt collection

Thi s Compliant is being sent to Convergent Outsourcing in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I NEVER e stablished a contract with this company at all, furthermore a bill is not a contract from a alleged debt owed.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  and  XXXX   ) this  action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character
Product: Checking or savings account

Wells Fargo in XXXX Florida opened several fake checking accounts in my name from XXXX through XXXX. I filed a claim but never heard anything about the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I sent the company a signed certified dispute letter with an identity theft affidavit regarding the disputed fraudulent account, costing me {$7.00} in postage. 

On XX/XX/18, I received confirmation that the company in question received my certified packet with the contents listed above. According to the Fair Credit Reporting Act, Section 611, the company has 30 days to review and re-investigate the disputed account. 

On XX/XX/18 I paid my credit monitoring website, XXXX, a fee of {$24.00} to review all three credit bureaus and I noticed that Equifax had not removed my disputed account. It has been over 60 days since submitting my request.
Product: Money transfer, virtual currency, or money service

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance Owed : {$150.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXXXXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Charged off XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card

I was offered an XXXX point welcome offer on the XXXX XXXX card from American Express on opening. Unfortunately, once I had gone through the application process, I was unable to find the details and progress toward the bonus on my online account. Upon contacting American Express, I was told to wait XXXX hours for the account opening to finalize, and finally after calling and messaging their customer service today, I was told that I was ineligible for the offer due to recent welcome offers on other cards, which is patently false as I have not recently applied for credit cards from American Express. I was also informed that I should have received a " pop-up '' notifying me that I would be ineligible for the welcome offer upon applying. However, due to a technical glitch on their website, my application froze and must have been in the step immediately before the pop-up before I could be notified of this rather important issue in my decision making process. I reloaded the webpage and began to proceed through the application again as it had not been saved, and I had at no point encountered the fabled " pop-up '' that American Express representatives insist that I must have agreed to. If I had been informed beforehand, I would not have proceeded with my credit application, as I had received a similar offer to upgrade my other cards. I suspect that American Express is not genuinely serious about offering me any further upgrade or welcome bonuses if this is the case.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 U.S. Code 1692 - Congressional findings and declaration of purpose including ( a ) Abusive practices- There is abundant evidence of many debt collectors using abusive, deceptive, and unfair debt collection practices. Abusive debt collection practices contribute to the number of personal bankruptcies, marital instability, the loss of jobs, and invasions of individual privacy.

After reviewing my credit reports I noticed that You, EXPERIAN, are alleging that the following account IS negative and claim to be the ORIGINAL CREDITOR without furnishing any proof of verification of this debt, violating 15 U.S. Code 1692g or that you followed all laws and regulations to report therefore you must remove ALL adverse remarks for the following account : Account Name : XXXX XXXX XXXX Open Date : XX/XX/year> BAL : {$3700.00} As you know, it is against the law to report inaccurate information. This is a deprivation of my rights and a violation of my privacy. The credit reporting agency knowingly contributed to wrongful activity by acting on 15 U.S. Code 1692f - engaging in unfair practices. I demand that you provide concrete evidence of my obligation to said accounts. This is a violation of 15 U.S. Code 1692g, and 15 U.S. Code 1692f to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized and/or fraudulent credit reporting listed without my expressed written consent.