23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX I noticed I was being charged {$1.00}. The statement showed I was being billed as minimum interest charge under Fees. The credit card was currently carrying a 0 % balance transfer and a monthly XXXX bill of {$19.00}. Each month I have auto pay set up to send {$220.00}. The minimum payment due each month is under {$40.00}. Combining the minimum and XXXX charge the monthly amount that should be all that's needed to pay and avoid interest. Total should be under {$60.00}. I pay well over that each month ( {$220.00} ). 
From what I have read. I see : The federal " Credit Card Accountability Responsibility and Disclosure Act '' requires that card issuers allocate payments in excess of the minimum payment to the balance with the highest interest rate. The key phrase here is in excess of the minimum payment due. It continues : Heres the bottom line : To assure that your purchase is paid in full and does not accrue any interest, you will need to make a payment that totals the amount of your purchase plus the minimum amount due. which I have been doing. 
On XX/XX/XXXX and XX/XX/XXXX I called Bank of America. The first call was with XXXX. He looked at it and said it was because of the XXXX charge ( which I pay off every month ) .He couldn't explain why there is interest on the charge that I completely paid off each month. 
I called back and talked to another person and receive the same general info. Then I asked for his supervisor and the same non answer persisted. Twelve plus hours later ( about XXXX ) I called back 3 times but never got to talk to a person. The computer said there was nobody to take my call. 
Later I called a lawyer and they suggested I call the Florida bar. I did but due to the virus they were closed. 
Then I called ( got the answering machines ) both of my Senators. Senator XXXX 's office emailed me and suggested that I contact consumerfinance.gov and here I am.
Product: Student loan

In XX/XX/XXXX I attended XXXX university, now XXXX for one quarter from XX/XX/XXXX to XX/XX/XXXX. I was awarded 2 private student loans in the amount of XXXX and XXXX for the year. However, only XXXX and XXXX was disbursed, the remainder of the loans was cancelled. The loan was serviced by XXXX XXXX / XXXX XXXX  later sold to XXXX XXXX. XXXX XXXX reports the full amount of each loan on my credit report under their name with false originating dates, I have not been able to contact anyone from their companies. The loan was then sold to XXXX upon logging into navients website I obtained loan history showing payments of XXXX, they also are reporting to bureaus that the loans were late, incorrect amounts and dates. The loans again were sold to ECMC in XX/XX/XXXX I was then garnished via wages and tax offset in the amount of XXXX. They also show negative marks on my credit report for the same loan, some late payments overlapping each other on different lenders for the same debt ( which wasnt even the correct debt. ) I have contacted both ecmc and XXXX   requesting documentation of payments etc. I had to acquire them myself on their website, they also refused to help correct my credit report errors and advised me to call the bureaus directly. I paid a total of XXXX ( to my rough calculations ) to 2 of the 3 lenders that had these 2 loans. Now I understand interest accumulates, but I never had any correspondence advising of the new debt holders, I had been in deferment for some time as well.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I viewed my credit report and noticed in inaccurate inquiry on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have an issue with XXXX XXXX, XXXX, and XXXX. I paid off a collection account in the amount of {$47.00} to XXXX XXXX. I sent a U.S Postal Money Order by USPS certified mail and with tracking. I have the supporting documents that Midland Received the documents ( money order, tracking ) and have even marked it as received on their internal records that I am able to print out. I have a number of complaints. On XXXX XXXX internal records, it shows that I still owe a balance of XXXX but on my XXXX and XXXX   reports, it shows a balance of {$47.00}. I paid of the collection account in full. I have sent letters to XXXX, XXXX, and XXXX XXXX to update the balance to zero. Even though I have sent all my supporting documents to XXXX, XXXX, and Midland, they all refuse to update my account to zero. I would also like the collection account removed from my credit reports based on the updated XXXX XXXX reporting policy which states that all paid accounts will no longer be reported. XXXX   and XXXX refuse to update my balance to zero regardless of the information I have sent them. They always come back with " verified '' with a {$47.00} balance. Please help me resolve this issue. 

Sincerely,
Product: Mortgage

We just received a loan denial. The reason : since per XXXX guidelines the waiting period for the XXXX XXXX XXXX XXXX 2nd foreclosure has not yet been satisfied XX/XX/XXXX The foreclosure by the condominium association on property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX was executed on XX/XX/XXXX. 

XX/XX/XXXX My wife received a discharge of debtor chapter XXXX on XX/XX/XXXX, which included the debt from property located at XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX FL XXXX, ( please, see Discharge of Debtor, attached ). 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX filed a 2nd foreclosure on the same property located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The current owner which purchased the property from the condominium association, cited a case in their defense that the mortgagors Us had to actually sell the property without the Banks consent in order for there to be a violation or default of this term due on sale of the mortgage agreement. 

XX/XX/XXXX The judge ruled that the Banks claim of violation because of the condominium foreclosure action and subsequent sale of the property to the current owner was not a valid default and accordingly their basis the foreclosure claim was denied. This final judgment closed the foreclosure case with the bank not being able to have the property sold at a foreclosure sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made efforts to correct misinformation, inaccurate data and false accounts reporting on my file and this CRA has refused to be transparent with their investigation, continue to house false information on my report and keep me from maintaining maximum accuracy as outlined in the FCRA. 

Since XX/XX/2021, I've been sending correspondence concerning the inaccuracy of my consumer report. There are accounts reporting on my credit such as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX in the sums of {$1700.00} and {$230.00} that have not been verified, no sufficient proof has been provided to me concerning the validity of these debts and the claim that I owe them. They're also not in compliance of federal and state laws as I was given no notice before they reported to bureaus, upon disputing they have came back " verified '' without showing permissible purpose to attempt too collect these debts and have had complete disregard for FDCPA laws. 

I have reached out to Transunion and the adjacent companies about these errors and lack of compliance countless times to correct information, request further details or demand deletion for lack of sufficient proof and they have chosen to either not respond to my requests or not perform their duties in accordance to the laws that are set to follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

The employer being displayed on my credit report is inaccurate. 
I'm employed at XXXX and has been since 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX  XXXX XXXX, GA XXXX 2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

9. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX, GA XXXX 13. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX, GA XXXX 18. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an identity theft report to Transunion # XXXX. I have been incarcerated for XXXX years, and have no knowledge of the fraudulent accounts on my credit file. I will attach proof of my incarceration. An extended fraud alert was placed on my credit file but the fraudulent accounts remain on my credit file. This is a direct violation of my rights as a consumer under FCRA.
Product: Credit reporting or other personal consumer reports

I received an email from Equifax and they provided the following results : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX I contacted the creditors myself ( XXXX XXXX XXXX XXXX  ) and they stated that the company does not have my information in their system. With this information, I came to a conclusion that Equifax did not conduct a thorough investigation etc. I am frustrated that this inquiry still remains open and on my credit report.
Product: Vehicle loan or lease

Dispute Regarding Overbilling and Unfair Placement on XXXX XXXX XXXX List I am writing to formally dispute the billing and my placement on the XXXX XXXX XXXXXXXX list, which I believe has been applied unfairly and without proper explanation. I have made multiple attempts to seek clarification on this matter, with promises of callbacks and resolution, yet to date, I have received no meaningful response. 

This situation is both frustrating and disheartening, particularly given my role as the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  was designated as the main rental car provider for the businesses in this district, following the significant federal funding I secured for the cities of XXXX XXXX and XXXX. It is disappointing to experience such a lack of resolution, especially after placing trust in your company for such a vital partnership. 

My rental contract contains discrepancies that require immediate review and correction. Despite my patience and repeated efforts to address this issue, I have been placed on the XXXX XXXX XXXX list without explanation, further compounding my frustration. 

I respectfully request an urgent review of my account and the issues with my rental contract, along with a detailed explanation of the reasons for my placement on the XXXXXXXX XXXX  XXXX list. I hope this matter can be resolved promptly and professionally to restore my trust in dollar rental. I am still missing my phone also from them taking a car. 

Thank you for your attention to this urgent matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, 1 ) XXXX XXXXL, XXXX XXXX  XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX XXXXXXXX # XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX ) XXXX # XXXX ... .HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 ( A ), STATES, I HAVE A RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 ( A ), ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX XXXX XXXX credit card account/Card : XXXX through the XXXX XXXX XXXX  is lost/stolen, has fraudulent transactions on the account and the account dont belong to me. The account is fraudulent and i never applied for this account. The account is fraudulent and unauthorized.
Product: Debt collection

XX/XX/2023 To whom it may concern : 12 months ago, I went to BJs in XXXX, NH and filled out an application for a BJs Mastercard at their service desk which I left with them to forward. Several weeks went by and I hadnt received my card, so I went to BJs service desk and told them. They replied, sometimes it takes a while As time went by, I forgot all about the card and never perused the matter. 
On XX/XX/2023 I received a statement from XXXX XXXX XXXX XXXX XXXX, a debt collector, stating My account with Comenity Capital Bank BJ, s had been turned in for collection in the amount of XXXX. I called XXXX and was told that a card was issued in my name and a XXXX fee was charged initially and the balance was late fees, etc. 
I told them that I had never received the card, I never had placed a phone call activating the card and never received a statement in all that time. 
I received no satisfaction. 
Looking for some help in this regard. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX
Product: Debt collection

I have been sent an email from my employer that I have a Writ of Garnishment on my wages. I printed out the information and it does not or have I ever been notified what credit card debt this is from. I thought I needed to be sued first before having my wages garnished. I did not receive a summons of the suit and therefore could not represent myself to defend this issue. The issuing court was the state of Connecticut XXXX court. XXXX ID : XXXX. The debt collector is Solomon and Solomon, PC XXXX XXXX XXXX XXXX XXXX XXXX.Phone number XXXX XXXX XXXX XXXX is the Marshall from the XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Phone number : XXXX. The only debt that was in collection was XXXX XXXX for {$5600.00} and that has been over 7 years which is the statue of limitation since XXXX of the credit reporting agency 's dropped it off my credit report thru XXXX XXXX. That debt started back in 2008. The amount they are garnishing from my paycheck is {$7500.00} Have not been contacted before this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to # XXXX that has been closed. Experian indicated that they are in the process of removing XXXX XXXX XXXX from my credit report. They have declined to remove the name XXXX XXXX XXXX from my report. Again, I have never been associated to anyone who has this last name. The other two major credit reporting agencies have removed this inaccurate information so why is Experian indicating they are declining to remove this? I would like further investigation and also for them to provide the information of whomever reported this. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report today XX/XX/2020 because I was going to apply for a loan but I saw eleven accounts on my credit report that do not belong to me ; I had no idea these accounts were on my credit before today because I never gave anyone permission to open them in my name nor did I ever sign any contract or agreement with any of the companies I listed on this report. I am not affiliated to any of these companies and I did not give them permission to run or access my credit information. I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I did not make any payments towards any of the balanced on these accounts. I don't know who could have got a hold of my personal information to open these accounts but I have already filed a police report in hopes of getting these unauthorized accounts resolved.
Product: Student loan

On XX/XX/2022, I found out that Navient made a settlement for loan forgiveness. I called on XX/XX/2022 and asked XXXX people if I was impacted by this. They stated they had no idea and had no idea who could give me this information. 

I am seeking to know if my loan is a part of the settlement. I would like this via email.
Product: Payday loan, title loan, or personal loan

XXXX XXXX  performed a hard inquiry that showed on XXXX XXXX. I call the institution and it was concerning a mortgage. I do not have a mortgage with XXXX XXXX. 

XXXX XXXX performed a hard inquiry that showed on XXXX XXXX. I called and they stated it was possibly a scam. I lease a car from them and they are not a lending institution. 

XXXX performed a hard inquiry that showed on XXXX XXXX. I called the institution and there was no hard inquiry on my account. 

XXXX performed a hard inquiry that showed on XXXX XXXX. This is XXXX XXXX financial institution. They do not make loans and had no idea why it would show on my report. 

XXXX performed a hard inquiry that showed on XXXX XXXX. This is a medical alert company and had no idea what I was talking about. I have no credit with them. 

All of these were performed by Experian. 

Please let me know the next steps.
Product: Credit card

I am writing to formally dispute a fraudulent account that has been listed on my credit report, which I believe is a result of identity theft. I did not open or authorize this account, and I request its immediate removal from my credit file in accordance with XXXX XXXX compliance, specifically under Dispute Code XH for identity theft claims. 

Below are the details of the fraudulent account : Creditors Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Account Opening : XX/XX/2024 Amount in Dispute : {$7500.00} Enclosed with this letter, you will find the following supporting documents to verify my claim : A police report filed regarding the identity theft. 
A completed FTC Identity Theft Affidavit. 
A copy of my government-issued ID for identity verification. 

I request that you investigate this matter thoroughly and remove this fraudulent account from my credit report immediately. Please notify the creditor and ensure that all necessary steps are taken to reflect the correction in my credit history. I also ask that you provide a written confirmation once the account has been removed. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

We paid off this account and it's still being reported on my credit report
Product: Credit reporting or other personal consumer reports

I have two separate loans from XXXX XXXX XXXX XXXX and XXXX which borrower defense discharged the XXXX. After removing the XXXX loan my score went up, then a week later experian re added it and my score dropped XXXX points. nenet the loan service has reported the correct balance but experian has not updated the info. This has caused me a big issue in my home buying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a formal complaint against Experian as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that The Consumer Finance Protection Bureau ( CFPB ) has administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies. 

I chose the word dispute to validate debts on my Experian credit report on accounts that report closed, XXXX balance, unknown account status, or hasn't updated in over a year. Experian inserted in the comments Account in dispute-reported by subscriber. Account information disputed by consumer under the Fair Credit Reporting Act. I contacted XXXX XXXX and XXXX XXXX XXXX and I explained that it will affect me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

Actions Taken : I contacted Experian on XXXX XXXX, 2020 and asked them to remove the note that it's in dispute. I told Experian that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with Experian themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

My  XXXX   XXXX    XXXX   Retail card was closed and the reason is noted as consumer request to close.      1 )  I never requested this account be closed, I was n't notified in writing email or by phone. all my contact information is up to date and no attempts were made to contact me,  XXXX  did n't even argue this point. This is totally u  nprofessional and poor service for customers.
2 ) This misreporting has prevented me from securing student loans.
3 ) My average account length, utilities, used to available credit ratio. The score dropped  XXXX  points.
4 ) Requested Resolution : The account needs to be reinstated, returning my average age of credit, credit use to limit ratio, number of accounts, and mix of account types to where they were prior to the UNAUTHORIZED closure of my account and the INACCURATE CREDIT REPORTING.