23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX has incorrectly reported to Experian both in the amount that I owe and the amount of loans disbursed. I have pulled records, the loan update date XX/XX/XXXX, that indicated the XXXX disbursed two loans on XX/XX/XXXX, a DLSUB for {$3500.00} and a DLUNSUB at {$3000.00}. On XX/XX/XXXX, XXXX disbursed DLSUB for {$3500.00} and DLUNSUB at {$6000.00}. On XX/XX/XXXX, XXXX disbursed DLSUB for {$4500.00} and DLUNSUB for {$6000.00}. On XX/XX/XXXX, XXXX disbursed DLSUB {$2200.00} and DLUNSUB for {$10000.00}. 

Experian indicates that when my account transitioned to the new online XXXX platform, XXXX reported to the credit agencies my balance on XX/XX/XXXX. XXXX then reported my loans again, duplicating them, on XX/XX/XXXX. I have attached the notice of loan transition dated XX/XX/XXXX. 

At this time instead of my loans stating the accurate balance of {$37000.00} listed on Department of Education Student Loan portal. XXXX has reported a balance of {$69000.00} nearly double the actual balance. This is fraudulent and an inaccurate reporting of the true loan amount.
Product: Credit card or prepaid card

My American Express business card has a {$20000.00} limit and is used to make almost all of my business purchases. My current APR is 13.49 % and I generally carry a balance month to month. On XX/XX/19, my statement had a notice of APR increase an additional 5 % effective XX/XX/2019. This increase would be on all future purchases, and retroactive to my ENTIRE BALANCE at the new rate of 18.49 %. 
I immediately called Amex and told them that I believed this to be in violation of the CARD Act of 2009, since I am not and have never been late in payments, and I know my credit score is well above 800 points. The customer service representative said that it was due to my credit scorXXXX and what other accounts are paying. All he could do was to file an appeal. I did appeal and somehow immediately won the appeal, so this change will not go into effect on my account. The representative assured me that American Express would not act illegally. 
How many accounts are they doing this to? Are less informed people getting duped by American Express?
Product: Credit reporting, credit repair services, or other personal consumer reports

LAST XX/XX/2021 I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I ALSO FILLED A 30-DAY DEMAND AND 60-DAY DEMAND TO COMPLY BUT I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 99 DAYS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Mortgage

I have an excellent credit rating. I went on line to make my mortgage payment and it had increased from {$1400.00} to {$1600.00}!! I am on fixed income due to being XXXX  and will have a hard time making my payment. I called Citizens Mortgage and the lady told me my insurance had gone up {$1000.00} per year and they made an adjustment. Keep in mind Citizens refunded me {$1000.00} last year due to overpaying escrow. Due to this they will have to refund me at the end of this year. I could live with a {$100.00} increase but XXXX XXXX per month is ridiculous. 
Please help me!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$640.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is not my debt. I've never had a XXXX account. They've been harassing me for over XXXX years about an account that is not mine & I would like this investigated. It's affecting my housing, employment, being able to get a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00}, XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00}, and XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX XXXX {$270000.00}.
Product: Payday loan, title loan, personal loan, or advance loan

Upgrade does not offer customers the ability to change or increase the amount of their personal credit line automatic monthly payments online.

Considering that all of the other relevant account transactions are completed online, it is a predatory practice to prohibit customers from paying down credit balances sooner by conveniently increasing the monthly autopay amount.

Upgrade sets the monthly payment amount and it fluctuates based upon the credit balance. 

I want to set a higher payment amount and pay more than just the amount due each month. 
I should not have to make an additional payment every month to achieve this goal. 

The customer service representative told me that " Upgrade does not provide the ability for customers to change/increase the amount of their automatic payments. Instead, customers must call and speak with a service agent or make additional payments. '' The Upgrade website should offer this functionality because it is an online bank and this is a common feature that would be used by many customers. 

Upgrade continues to earn more interest every month that a customer can not pay down more of the principal balance and interest on their account.

It is unfair to make it tedious for Upgrade customers to change/increase their auto payment amount.
Product: Checking or savings account

Marcus by Goldman Sachs had a special offer in early 2023 : " Get a {$100.00} Cash Bonus when you deposit {$10000.00} in new funds to a Marcus Online Savings Account. '' The requirement was to enroll in the promotion, deposit {$10000.00} in new funds within 10 days, and then maintain those funds plus the existing balance for 90 days after the 10-day funding period. 

I enrolled in the promotion on XX/XX/XXXX and received a confirmation email from Marcus. The promotion was correctly noted on my online banking account. I deposited {$10000.00} on XX/XX/XXXX to meet the terms of the promotion. 

On XX/XX/XXXX, I notice that the promotion had disappeared, so I called Marcus. The representative said that she fixed the issue and gave me a case number. The online banking portal appeared to say that I had been re-enrolled in the promotion on a date in XXXX. 

On XX/XX/XXXX, I noticed that the promotion had disappeared from my online banking. I wrote in via chat. The representative confirmed that I was enrolled in the promotion on XX/XX/XXXX, and that I deposited funds on XX/XX/XXXX, but said that I was not properly enrolled and could not discuss further via chat.
Product: Credit reporting or other personal consumer reports

Experian is reporting a bankruptcy on my credit report and they have put in the data furnishing the XXXX XXXX XXXX XXXX XXXX, which is false. I have attached a letter from the XXXX XXXX XXXX XXXX XXXX XXXX verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcy. Experian is falsely stating this information on my credit report and have yet to remove this from my credit report. 

Enclosed are the following Credit Report Letter from Bankruptcy XXXX, XXXX XXXX XXXXXXXX report ( XXXX XXXX bankruptcy record ) Copy of Drivers License Copy of social security card
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started the process of rebuilding my credit and notice that I had a XXXX hard inquires, dated from XX/XX/XXXX through XX/XX/XXXX, that I did not conduct. It seems as if someone was trying to obtain several credit cards in my name without knowing I do not have a typical credit profile.
Product: Vehicle loan or lease

I have experience Exeter Finance Facing Class Action Lawsuit Over Alleged Hidden Finance Charge, Unlawful Repo Practices. 
The case contends the discount fee is thus a hidden finance charge thats passed onto consumers without their knowledge. I have experience this it have damage my life. For several years now.
Product: Debt collection

I contacted Midland Credit Management after being served with papers in XXXX for a XXXX XXXX account that is not mine. First the card is in a partial name which I have never gone by since it is not my legal name and secondly I have not resided at the address given. At that time I also was told that I was served with papers for an XXXX home account which is also for that same address. I asked for verification if the debts I received a statement fir the XXXX but nothing for the XXXX account. I asked for a copy of the application which has not been provided. Neither if these accounts are mine and they need to be removed. I spoke with them again today with no resolution.
Product: Student loan

On XX/XX/2022, at around XXXXXXXX XXXX XXXX, I received a cold call from, what I would learn later, was 'Aidvantage XXXX, the company servicing federal student loans. 

My phone 's caller ID identified the call as being 'XXXX ' ( the company formerly servicing federal student loan repayment ). 

When I answered, I was transferred to a caller who attempted to tell me about the deadline on federal student loan payment deferment and options for income-based repayment when the deferment deadline lifted. This was all fine. 

However, the caller attempted to ask me to verify information including my address, email address, and phone number. First, several of those items were out of date ( I had long since changed them in the federal student loan repayment portal ). Second, I am unsure why they would solicit that information over the phone rather than directing me to the federal government 's repayment portal. 

The substance of my complain though is about misrepresentation. The person on the call, falsely or truthfully, believed himself to represent the Department of Education. He had no explanation for why the Caller ID labeled the call as being from XXXX. Nor did it seem odd to him that he ALSO stated that he worked for AidVantage, which is a private company working with the DOE. 

I think AidVantage is training their employees to misrepresent themselves and irresponsibly draw them into loan servicing schemes that they may not need or want under the guise of representing the DOE. 

Note : I will also be submitting this complaint to the XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXXXXXX AR RESOURCES INC XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AR RESOURCES INC XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX  XXXX XXXX proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was called by a number marked " Unknown '' '' by the caller ID. This is a pretty good indication this call was not made by a representative of the court. In the call, no creditor was mentioned, nor was the name of the credit company, tactics I believe were done specifically to provide deniability. I was told I would be served papers XXXX XXXX if I did n't call XXXX regarding account XXXX. I called the number, and it is a collection agency known for somewhat shady tactics called Lionstone Holdings, LLC. I did n't give my name or information, as I have no idea what this is even pertaining.
Product: Mortgage

ON XXXX XX/XX/2022 our mortgage company, BSI Financial Services, notified us that it approved our request to close our escrow account. Since that time, BSI has failed to provide a new payment amount ( reflecting only principal and interest ) and has also failed to provide us the amount remaining in our current escrow account. When we spoke to BSI Financial today, after four days of unsuccessfully trying to reach someone in customer service, we were told that they could not contact the escrow company directly, and could only send an email message to them.
Product: Debt collection

Samuel Whitaker Associates called me numerous times, supposedly collecting for an XXXX account that no longer shows on my credit report. They threatened me with legal action ; that they would come to my home or work with a summons. Supervisor cursed at me over the phone, demanding that I agree to automatic payments from my bank account. She hung up on me. I called back, but they would not answer.
Product: Credit card or prepaid card

I am dealing with a data hack from XX/XX/2018. In that process there were fraudulent charges made through my XXXX account via my Chase credit Card. This was initially resolved however XXXX and Chase has re-charged me multiple times on the previous fraudulent transactions, twice for {$97.00}, one for {$50.00}, one for {$9.00}, one for {$9.00}. Screenshots attached. Both XXXX and Chase Bank has been resistant to reviewing and resolving this over the last few weeks. Need this addressed. 

see previous XXXX complaints : XXXX - Original hack from XX/XX/2018 XXXX - New complaint with XXXX directly
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and discovered a unauthorized account that do not belong to me. This fraudulent account have severely tarnished my financial reputation and have caused significant distress, especially as I am currently in the process of purchasing a home. I am requesting immediate assistance in removing this unauthorized account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that 3 late payments was reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my credit card account. 

I want you to know that I understand my financial obligations and for the majority, I have an excellent repayment record. I made a mistake in falling behind, but since then, I have hired a financial planner to help improve my money management skills. 

I'm not proud of this black mark on my record, but it's the only one I have, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. Im planning to apply for a mortgage and its come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments so that I can further improve my credit score. 

If the lateness can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Dispute of Debt Reporting by Sunrise Credit Service Account Number : XXXX Amount : {$7000.00} To Whom It May Concern : I am filing this complaint to dispute the debt being reported by Sunrise Credit Service, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. The account number in question is XXXX, with a reported balance of {$7000.00}. 

I have made multiple attempts to resolve this matter by requesting debt validation from Sunrise Credit Service on the following dates : - XX/XX/year> - XX/XX/year> - XX/XX/year> Despite my requests, Sunrise Credit Service has failed to respond or provide any validation for the alleged debt, as required by law. I dispute the validity of this debt and claim that I am not liable for the amount of {$7000.00} being reported. 

Furthermore, I do not have a contract with Sunrise Credit Service. They have failed to provide me with an original signed contract or purchase agreement bearing my original wet ink signature to substantiate the claim. In the absence of this documentation, the reporting of this debt is inaccurate, and I respectfully request that it be removed from my credit report. 

I trust that the CFPB will assist in addressing this issue and ensuring that the credit reporting by Sunrise Credit Service is in compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting

XXXX put a collections account on my credit report. The trade line should have been removed a long time ago, as the auto loan I received from XXXX was part of a XX/XX/2012 case against XXXX that found systemic auto loan discrimination. The case XXXX v. XXXX found that XXXX had intentionally charged minorities higher interest rates than non minorities. The loan that XXXX gave me had an exorbitant 20 % interest rate. XXXX charged me that high of an interest rate because of my national origin. The tradeline should have been removed a long time ago from my credit report as the XX/XX/2012 case found XXXX guilty of systemic discrimination against minority communities where they were charging higher interest rates to minorities to take out auto loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.