23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2018, I called XXXX to inquire about the process to resolve a miscalculation of my payment amount. I had submitted recertification documentation approximately one month earlier, and my loan repayment amount had increased by over 90 % without a corresponding increase in income. I believed then, and believe now, that this was an error. 

During the course of my call to XXXX, I spoke with three separate customer service agents that were unsure of how to help me. I was advised by each of these service agents to upload a letter to my account explaining the situation and why I believed there was mistake. I did so in detail, and received notice that XXXX had received my correspondence on XX/XX/2018. 

In my letter, I cited the published formula used to determine repayment amounts, and included extensive documentation about my household finances. I requested adjustment to my repayment amount, and -- if denied -- I requested a brief explanation as to the math being used to arrive at the figure and/or an explanation as to the reason for the rejection of my request. 

At this point, XXXX has not adjusted my repayment amount, and I have received no response or explanation whatsoever. It has been 4 weeks, which seems like a reasonable window for some sort of a response. ( I followed up with XXXX on XX/XX/XXXX, again requesting a resolution to the issue -- I did not  receive a response to that inqury either. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has accessed my credit file with Equifax on XX/XX/XXXX and XX/XX/XXXX. I have written to the company to request documentation supporting their permissible purpose for this access, and have not had a response from them. I have also tried to resolve this issue with Equifax, but they refuse to investigate disputes as required by the Fair Credit Reporting Act. If they did, they would note that I have never filled out a credit application with the automobile dealer who sent information to this company on XX/XX/XXXX. Accordingly, without documentation to support permissible purpose, these inquiries should be removed from my credit file immediately.
Product: Checking or savings account

BMO Bank opened a checking account in my name on XX/XX/2023. On XX/XX/2023, upon request by BMO, I provided a copy of my current driver 's license, social security card and utility bill for identification. Despite my providing these documents, BMO unilaterally closed the account citing some kind of fraud. No specifics were of the fraud were given to me. I tried to convince BMO that there is no fraud, but BMO closed the account anyway. I have not received any document from BMO giving the specifics of the fraud/suspected fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I did a a dispute with XXXX about XXXX XXXX XXXX. I stated this debt collector did not notify me in anyway before placing a tradeline onto my account. I then called XXXX to dispute this, and i just received an update that nothing was changed. 

1.What did XXXX do to investigate? 
The debt collector does not have any documents proving they can even collect on this account, the are awaiting the original creditors to provide them with documentation. 
Also, If they don't have the documents, then XXXX did not properly investigate my claim and I'm seeking the maximum compensation. 

Read attached documents proving the debt collector does not have proper documents to place anything on my credit file, also violated the law by not contacting me first.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$120.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$7500.00} XXXX XXXX  XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : {$4800.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX ( Original creditor : XXXX ) Balance : {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My bill with comenity card is due on the XXXX of each month and closes on the XXXX of the month I keep it at 30 % of use by the closing date and for some unknown reason they are reporting the wrong information after the closing date instead of reporting the balance as of the closing date. They are waiting till the XXXX or XXXX of each month to report the new uses. I called and spoke to a representative to advised them that is wrong. Being they dont speak English is a major problem. My score drops with this in accurate information.
Product: Vehicle loan or lease

Bridgecrest has charged my greater amount of interest than stated in the loan agreement. In addition, during a period of the loan, my wife became very ill and Bridgecrest assured us they would take the payments we were behind and just extend the date to when they loan would be paid off. That was not the case and are now demanding {$5600.00} as a final payment and reporting negative to the credit bureaus. We have contact them and requested they review the file to see that they have over charged us in interest payments, violated Florida law in regard to usury, and have committed violation similar to payday loans. They have refused to work with us, refinance, or any other option. A simple online search will show a pattern of deceptive business practices by Bridgecrest. Their credit reporting is detrimental to the consumer and their business practices has caused undue hardship for me and other consumers.
Product: Checking or savings account

Someone opened an account fraudulently and have used checks to deposit in different accounts. I XXXX XXXX did not give permission for anything to be opened under or in my name. Please closed any account and please investigate.
Product: Checking or savings account

I attempted to open an account with Truist Bank for the 3rd time. The 1st time no one even the bank manager was able to tell me why they couldnt open the account. The 2nd time I tried, they closed it same day and stated there were concerns. And to get an printed copy of the full consumer report. The report came but didnt explain anything. The 3rd time, I was successful with opening the account. Only for the next day for it to be closed. I called the number to inquire and of course the agent stated it only showed the terminated the account and which was in their power to do as they can do that. Because its written in the terms and conditions. As someone who currently has OPEN account with banks bigger than Truist and multiple credit unions. I find it be insulting to tell me Im fraudulent. The deposits and spending activities is nothing of the sort. Ive had XXXX for almost 20 years. Currently have XXXX XXXX  as well. And for no one to give a valid explanation is unacceptable. And upon viewing google. Im not the only one. They close accounts all the time without rhyme or reason.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been trying to get a verification of debt from Credence Resource Management for months. I initially reached out when I saw a collection on my credit report and requested a statement from the original creditor along with any information that tied my name to the account. I have never had an account with the original creditor, so I am not sure how they are legally able to collect a debt that was never under my name. They are collecting for something they don't have any proof of. I have never had a XXXX XXXX account in my life. Somehow I have a collection from them. Credence Resource Management seems like a scam. They are trying to pin debts on people 's credit that dont belong to them.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my 
credit report, as I am a victim of a data breach. This request is made pursuant to 15 USC 1681c2(a) and FCRA  605(b):
Accounts to Be Blocked and Deleted:
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On or about XX/XX/2015 I ordered some gold and silver from a company in Texas. I gave them a credit card number, they took my money and since then I have called the company several times. They told me the gold and silver I ordered was not in yet but would be sent to me as soon as it came in. I continued to call regularly and they gave me the same story, so I waited patiently. I have XXXX telephone numbers for that company and upon calling them the last few days, I got a recording that those numbers have been disconnected. Today I called my consumer finance person in my state and he said after investigating, it appears that company is no longer in business. It appears I am out a lot of money and have nothing to show for it. I am hoping to have the company investigated and have my money returned to me as I am sure, now, that I will never see the gold and silver.
Product: Credit reporting

EQUIFAX I HAVE IDENTITY THEFT VICTIM I SENT OUT LETTERS TO ALL XXXX MAJOR CREDIT BEARUS ONLY XXXX WANT HONOR IT NOR GIVE ME MY CREDIT REPORT IS EQUIFAX SOME REASON I HADE LIKE XXXX OPEN AUTO LOANS AND SEVERE CHARGE OFF NOT ME MY EQUIFAX WAS OVER XXXX IN XXXX 2014 LAST TIME I EVER SEEN IT AS SOME ONE PLACED SECURITY FREEZE ON IT I CANT GET EQUIFAX TOO GIVE ME MY REPORT I SENT THEM XXXX COPIES OF MY DL THEY WANTED COPY SSN AS WELL WHICH I WOULDNT PROVIDE TOO THEM THEY SENT ME LETTER BACK SAID MY DL PICTURE DOESNT MATCH ME WOW SOME ONE HAS MY DL WITH THERE PICTURE IN YES THE DO IT XXXX GUY NAME IS XXXX XXXX I HAVE HADE MY MAIL SENT TOO OTHER ADDRESS OTHER THAN MINE SOME ONE HAS FORWARDED MY MAIL YOUR CREDIT BEARU WILL SHOW IT BUT THEY WANT PROVIDE IT ME WITH ONE I HADE BUDDY GOT IT OPEN AND PULLED IT HE SAID IT HADE OVER XXXX OPEN AUTO LOANS XXXX CHARGE OFF THEN XXXX REPO HOWS THAT EVEN POSSIBLE SO I GOT COPY OF IT DISPUTED IT ALL THEY WANT SEND BACK ANY RESULTS ITS CLOSED AGAIN ITS BEEN NIGHTMARE I HAVE XXXX PAID OFF LOANS THAT ARE MINE POSSIABLITIY GONE ACCORDING TOO DISPUTER THEY TOLD ME THEY HAVE SEEN THIS BEFORE USE INNOCENT PEOPLE CREDIT REPORTS GET ALOT AUTO CREDIT CARD LOANS THEN FREEZE IT AND FORWARDED THE MAIL TOO PO BOX AND CHANGE THE INDENTITY TOO THEM BUY CUTTING YOUR PICTURE OUT PUTTING THERES IN THERE AND PRINTING OUT YOUR SOCIAL NUMBER MAKING LOOK REAL I HAVE HADE NOTHING BUT NIGHTMARES FROM THIS I HAVE CALLED EQUIFAX THEY WANT TALK TOO ME BECAUSE I HAS FRAUD ALERT WITH QUESTIONS I CANT ANSWER THE GUY STOLE MY IDENTITY IS XXXX XXXX AND XXXX I HAVE HADE TON EMAIL PROMOTIONAL FROM XXXX XXXX AND XXXX XXXX XXXX POLICE CALLED ME 2 YEARS AGO ABOUT THIS MATTER THEY HAVE HIS REAL PICTURE ON FILE DEALER TURNED IT IN AS THE NAME DIDNT MATCH UP WITH THE BUYER SO I NEED HELP PLEASE MY BEARU HAS BEEN LOCKED ALL THIS TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the TransUnion after I purchased a credit report with XXXX on XX/XX/XXXXXXXX XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to the TransUnion last XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX XXXX Balance : {$0.00} will be investigated and updated on my credit file
Product: Credit reporting or other personal consumer reports

In accordance to 15 USC 1681b, I have not given written consent or verbal consent for information. It is being fraudulently reported.This is willful violation of 15 USC 1681c-1 and needs to be corrected and removed in 4 days per the 15 USC 1681C-2 OR I WILL BE SEEKING LITIGATION IN SMALL CLAIMS COURT. 

SEE ATTACHMENTS
Product: Credit card or prepaid card

I signed up for the us bank attitude go visa signature credit card because it offered XXXX point which is equal to {$250.00} when you spend {$1000.00} in the first 90 days of opening the card. I spend {$1000.00} in the first month of open the card and only received XXXX point which is XXXX less then they advertised I called customer service and they couldn't help me resolved this issue and this loses my trust with us bank.
Product: Debt collection

This debt collector has not provided notice of when the original debt occurred and submitted collection as of XX/XX/2020. I still do not recognize this debt from any prior purchases.
Product: Debt collection

Lets see where can I begin, first and foremost, these debt collectors think they can magically pull over a fast one over me. I recently decided to check my credit score to find that a new collection had been added to collect on a debt that was never mine to begin with thus dropping my score down to 25 points because of this injustice. XX/XX/2018 commonwealth financial systems decided to collect for the amount of XXXX first I never was sent anything over the mail regarding this debt or my right to dispute this which is a violation of the fair credit reporting act. second buying from another debt collector doesnt mean you can scam me. I have monitored my credit report on the daily to mysteriously find that the numbers from the previous debt collector XXXX matches ( XXXX XXXX ) ring a bell? Again I refuse to give my information out in the open to be scamed. you debt collectors are getting very sloppy which is ultimatley going to end up with you being sued big time. you are getting information about me without express consent. i will be sending this to my lawyer in the meantime for him to look at while we are at it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting a collection account to all 3 credit  companies in the amount of {$4900.00} this account is not mine I have been disputing this account for a long time. I currently have sprint for the past 2 years for my cell and company services an my account is up to date with them. 
I need written confirmation from XXXX XXXXXXXX XXXX that this is my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid i was unable to work in the filed i am in and shortly after diagnosed with health issues which did not allow me to return to work and in need of filing for XXXX. 
In the meantime we were just down to my husbands income therefore we fell behind on our loan and had close to 11 missed/late payments. We have been current now and see no reason why we could not to continue this. 
I reached out to Capital one a few times during covid and they did allow us to move a payment back however since we have remained current and on time on XXXX XXXX i called Capital one and spoke with a customer service rep requesting due to these above circumstances that were out of my control and are currently in good standing would they consider removing the almost {$3000.00} in late fees as well as missed payments on our credit report. I was then transferred to a supervisor and was told to dispute with credit reporting agency which i have done and was told they had no control of the credit reporting nor removing the late fees on our account. I feel they did not even try to help me resolve this issue and did their best to end our conversation without listening or trying to work with us.
Product: Debt collection

I recently received something in the mail saying that I owed XXXX for a XXXX XXXXXXXX credit that I never knew existed. My concern is not only the fact that this debt does not belong to me and is clearly fraudulent but the simple fact that the first form of communication received concerning its existence was in the form of a court order. This is not the appropriate way to handle a collections case in the state of Virginia. To further argue the validity of this debt, I must call attention to the fact that this debt is made out to a name that I have legally not used since XX/XX/2016. I lived in a shared living space during the time that the creditor alleges I incurred this debt which further questions it's legitimacy. Below, you will find a picture of my identification that outlines my legal name as proof. I demand valid proof that I, XXXX XXXX XXXX XXXX, approved the opening of this line of credit or it is removed from my credit report and no further collection action is taken. I'd like to call attention to the fact that this credit is only showing up as closed on 2 of my credit reports and both show a different close date.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1681e ( b ) according to the Irs canceled debt is gross or ordinary income. Income doesnt get reported on your credit report. So since income does not get reported on your consumer report. A charge off is inaccurate account and it have to be removed. Here are the accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am now providing all documents from XXXX  XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX that listed three times, so these items can be removed off my credit report. The amounts are in accurate. The accounts are in accurate, please and thank you. XXXX XXXX  has already been deleted thank you so much!
Product: Money transfer, virtual currency, or money service

Paypal charged me {$250.00} for some online game that i did not authorize. I contacted them but they refused to refund my money. Please help me get my money back.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and the fraudulent information being reported on my credit file continues to harm my credit reputation. I am submitting this appeal to EXPERIAN in order to request that the following inaccurate and fraudulent information be blocked from my credit report. The associated FTC report number for this case is XXXX, which includes details of the fraudulent accounts. Upon review of my credit record, I have identified multiple suspicious and likely fraudulent entries, including accounts that were opened without my consent or approval. These entries appear to be false and without any legitimate authorization from me. 

As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ) to demand that these fraudulent entries be promptly removed. I request that you take immediate action to ensure that the information being reported on my credit file complies with the requirements set forth under FACTA, specifically Title 1, Section 151, which mandates that all information provided to credit reporting agencies must be accurate and verifiable. I am filing this complaint to ensure that these inaccuracies are addressed and removed from my credit report in accordance with both federal and state consumer protection laws.