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

Equifax is reporting that an item from XXXX XXXX was, acct # XXXX ... XXXX has late payments as recently as XXXX of XXXX. I keep trying to have this problem resolved but on their report they simply will not change it, even though XXXX XXXX verifies this account has been closed since XXXX. This is outrageous, it is damaging my report while I am trying to refinance my home, saying I have a recent missed payment on an account that has been paid and closed for six years. If they do not correct this issue after these repeated warnings, this being the last time, I will have no choice but to file suit under the fair credit act. This is costing me thousands of dollars. I know the people there are aware that I am correct and this is an error. They simply do not want to fix it. This is literal harassment. There is nobody there you can talk to. This is the last time I am doing this before my attorney gets involved.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$4200.00} XXXX  XXXX XXXX Balance : {$710.00} XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$21000.00} XXXX XXXXXX/XX/year>
Product: Credit card

Reference previous complaint XXXX This is a follow up to the referenced complaint. An XXXX XXXX phone number XXXX contacted me to the effect that she was handling the complaint, she was going to listen to the phone calls etc. AND then she would send me a letter when the investigation was completed. I responded all well and good but what about changing my recurring payment to {$120.00} per month like I have been requesting and being told the change was made when in fact only a change for one month was made and not my recurring payment changed to {$120.00} She responds I did that already and a one time payment change for XXXX was made. At that point I lost it. She did the very same thing that the original complaint is about. Just made a one month change and just like the other customer service reps, not following instructions. She is as pathetic as the three customer service reps I complained about. Also she was rude and just kept saying it was under investigation, etc. She said a letter went out and sure enough I received it yesterday and it stated a one time change for XXXX and then it would go back to {$250.00}. I am going to write to the attorney general and the state banking commission.
Product: Credit card or prepaid card

I currently have an American Express blue card since XXXXwhich I have maintained religiously. Last two months I received an email that a platinum card in my name is approved and issued and it will cost me more than {$500.00} yearly. Since I dont have that kind of money and didnt apply for this card, I immediately called American Express and asked them not to issue the card. They promised not to send the card and with no effect on my credit score, but the card came anyway and my credit score went down from XXXX to XXXX. When I called a second time to complain about the arrival of the card and the damage to my credit, I was told to disregard the card and no solution was offered to the damage to my credit. My question is, whos benefiting in opening this account and drastically affecting my credit.
Product: Mortgage

This is my third complaint filed against Citizens Bank ( Charter One ) due to their ignoring me and the only way I can get a response from them. 
I received a letter on XXXX XXXX, XXXX from Citizens One answering Case # XXXX in response to the fact that the bank was taking my whole mortgage payment and not applying anything to principle. This has since been straightened out in a letter from XXXX XXXX XXXX, Office of the Chairman. Again after many phone calls for months. and trips to the bank with no answers, including filings " Notice of Error '' I contacted XXXX XXXX XXXX on XXXX XXXX, XXXX to tell him that my attorney had filed a " Notice of Error '' on XXXX XXXX, XXXX which was never acknowledged stating the terms of my loan modification agreement and also the fact that I had still not received the {$380.00} reimbursement to me for the attorney fee charged my association and therefore charged to me due to the foreclosure that was wrongfully executed per XXXX XXXX XXXX. I had been promised by XXXX XXXX of the " Office of the Chairman '' that this bill would be covered. There were several statements that were told to me that kept getting changed when I asked the right questions. All of these papers from the " Notice Of Error '' were faxed to XXXX XXXX XXXX on XXXX/XXXX/XXXX with a note to please let me know if he got them. XXXX XXXX, XXXX call to find out if he got the fax and left my cell phone number. XXXX XXXX, XXXX called again to call me and let me know if he got the fax. 
XXXX XXXX, XXXX XXXX XXXX called to let me know he got the fax and turned it over to the law department. XXXX XXXX, XXXX, left message with both phone numbers to let me know if the check had gone out yet.. No response which is the game to wear you out. On XXXX XXXX, XXXX left message again with both phone numbers and told him it would be the last time I will call -- -- horrible treatment for a customer who has been with the bank for over 34 years paying off a previous mortgage of 30 years, paying diligently every month on a equity line of credit and this is what they call exceptional service. As XXXX XXXX stated in is letter to me, that they are consistently exploring ways to improve our customers experience, then start here. My experience has been disastrous, horrible and life threatening. 
I ask that you send a check in the name of my association for the {$380.00} owed to them in my name immediately. The name and address are in the papers that were faxed to XXXX XXXX. 
My 30 year mortgage @ 5 % because of your foreclosure makes you the winner but in my eyes you are a pitiful bank where " XXXX your neighbor, it will make money '' is your mantra ... 
I was told by one of your employees " if this had passed his desk, it would not have happened '' ... ... how sad that I 've been a victim of getting the wrong desk and the wrong person .... 
XXXX XXXX XXXX
Product: Debt collection

" I was scammed by https : //www.upstart.com into taking out a veteran-friendly loan to help me relocate. After taking out the loan, I struggled to make payments. They were aware that I receive VA XXXX payments and suggested I use that money to pay them. I attempted to settle the loan, but they refused, insisting that I continue making payments from my VA XXXX benefits. The loan has now been sold to XXXX XXXX XXXX, who are demanding payment from my VA XXXX benefits and threatening to sue and garnish those benefits if I don't comply. Under federal law, debt collectors can not garnish VA XXXX payments. I have tried reaching out to Velocity to negotiate, but they refuse and continue to threaten legal action. ''
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against HARRIS & HARRIS , LTD for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by improperly reporting a collection account to my credit report without prior notice or an opportunity to dispute the debt. 

Violations Committed : 1. FDCPA Violation Failure to Provide Debt Validation Notice ( 15 U.S.C. 1692g ) Under 15 U.S.C. 1692g ( a ) of the FDCPA, a debt collector is required to send a written notice of the debt within five days of their initial communication, which must include : The amount of the debt The name of the creditor A statement that I have 30 days to dispute the debt before it is assumed valid I never received any such notice before the debt appeared on my credit report, denying me the opportunity to dispute or verify its accuracy.

2. FCRA Violation Improper Credit Reporting ( 15 U.S.C. 1681s-2 ) Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA, furnishers of credit information must : Ensure accuracy before reporting a debt Provide proper notification before furnishing negative information Promptly investigate disputes Since I was never contacted before this debt was placed on my credit report, it was reported in violation of my rights.
Product: Debt collection

I attended Missouri College in 2008 for the XXXX. Since I graduated I have yet to find a job in the field. I was mislead by Missouri College because they promised lifetime job placement. I am hesitant to further my education because the credits from Missouri college does not transfer in which they also informed me that they were fully accredited. The XXXX was originally $ XXXX which was overpriced compared to others schools in MO. I have n't been able to repay my students loans since graduation and now my loans have almost doubled. Now the school is closed and I am stuck with paying student loans that I ca n't repay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 TO WHOM IT MAY CONCERN, ( CREDIT AGENCIES ) I have repeatedly ask if you'll would remove ALL those negative remarks as well of the accounts.I do not owe off my credit report. After repeatedly asking you'll to remove those reporting off m BENEFICARY ) credit. because there is and has been information that is on my ( BENEFICARY ) consumer report that is a result of identity theft. I did not provide permission to be reported starting back when I ( beneficiary ) was XXXX old to this day nor has I ever given permission to ANY/NO CREDIT REPORTING AGENCY permission or instruction verbal nor in writing for the identified transaction to be reported on my ( BENEFICIARY ) CONSUMER REPORT. 

No one never told I was never told, I could opp-out because I have the right to privacy where and why XXXX points was taken from me the BENEFICARY ). So, I am also requestting those XXXX points and any other points that was taken from me, be put back on my ( BENEFICIARY ) consumer report. I am also requesting this information that is due to identity theft be block being made on the basis of material misrepresentation of fact by me ( BENEFICIARY ) relevant to the request tp blocl the identified transaction. The identified transaction ( s ) are not information related to my transaction by me ( BENEFICIARY ) AS THE CONSUMER.

And the law says sction 18 U.S. Code 1681.c.-2- 18 U.S. C1028 ( d ) ( 3 ) 15-UC 16 81-C2 FCRA SSA -89 Form I appreciate you'll handling this matter in the time stated. 

Respectfully, XXXX : XXXX XXXX BENEFICARY UCC 1-3081ITHOUT PREJUDICE I RESERVE ALL MY RIGHTS I DO NOT CONSENT TO ANY HIDDEN OR REVISED CONTRACT ( S ) OR COMERICAL AGREEMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT :
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I logged into my Transunion account to see if my credit was frozen ( NOT LOCKED - FROZEN ) I opened this account quite awhile ago and at that time, i set up my user name as the same as my email account. BUT this email account was closed a long time ago and I no longer have access to it. 

When I signed in on XX/XX/year>, my user name ( which as I said was my old email address ) and my password was accepted. However, I was asked to put in a verification code BUT this code had been sent to my OLD and DISCONTINUED email address so I could not access the code The website said that in order to change an email the Website Support Team had to be contacted. I called BOTH website support team numbers ( XXXX and XXXX ). I called BOTH of these numbers MULTIPLE times and EACH time I answered about XXXX or XXXX prompt questions and then EACH TIME I WAS DISCONNECTED. 

I then tried the general phone numbers ( XXXX and XXXX XXXX ) AND THE SAME THING HAPPENED! 

This entire process took me close to XXXX hours between repeating phone calls, answering prompts and finding phone numbers that I could call. 

I NEED TO HAVE ACCESS to my account so that I can freeze/unfreeze my account when I need to. I do NOT want to lock it - I want to use the freeze option. 

I need a human being to talk to me and talk me through this. OR AT LEAST NOT disconnect the phone and let me wait OR call me back. AI Chat boxes do not work for me- they never seem to solve the problem. And as an FYI, I did NOT have any trouble with XXXX or XXXX on the phone - they were both able to tell me ( via a recorded message ) that my accounts were frozen I am hoping that the company will contact me and solve this problem - otherwise, what will I do when I need to have my credit reports opened-???? i THINK lenders need to see all three reports
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2021 XXXX XXXX XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2021 XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2021 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 XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

THERE ARE SOME MORE INFO THAT I SEE THATS NOT MINES
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

When my loans were consolidated with MOHELA, I had a standard payment of {$180.00}. I applied for the SAVE repayment plan when applications opened on XX/XX/2023. MOHELA quoted a repayment price of about {$120.00}. When the application was processed, MOHELA did not process it for SAVE, which was indicated on the application, but instead processed it for Income Contingent Repayment. My new payment is now {$220.00}. The terms of Income-based Repayment from the Department of Education state that any income-driven repayment plan can not exceed the standard repayment rate. When I contacted MOHELA to have this resolved, I was informed that the original quoted repayment amount was " just an estimate, '' and that I would have to pay the new payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected right away : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to check my eligibility and subsequently submit a claim based on the Equifax Data Breach Settlement. None of the websites that I tried, including two links on the Federal Trade Commission website, opened or even worked. All attempts resulted in error messages that the sites were not functional. I believe this to be a deliberate attempt to discourage and prevent people from collecting settlement payments that they are entitled to.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX. Despite sending them the last letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the account that is still reporting on my account : 1. Credit Acceptance Corp XXXX Balance {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached Experian by phone last week and spoke with an agent of their company. I got an email from Experian stating See Results of Disputes I had submitted. From that email and report, you can not see what decisions were made if any. I tried the same phone number and 3 others to reach Experian, none will now lead me to a live agent. I tried resolving this by logging into my Experian account, and received a message saying we are having difficulties. I want my credit report fixed, and I want a LIVE PERSON to speak with by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 7th dispute letters to Equifax, XXXX and XXXX since XX/XX/ 2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent a XXXXXXXX card ( I believe for rent payments ) from Wells Fargo. I have tried contacting Wells Fargo several times to make sure that the account is closed. I have not received any confirmation in writing that the account has been closed. I still receive e-mails and letters from XXXXWells Fargo about this account. 

I have been told that the fraud office is closed. I have been disconnected when trying to reach them. I have been told that I should call them directly since the representative can't connect me. 

Wells Fargo opened a fraudulent card in my name. I have been a homeowner for over 30 years, and I have substantial unused credit lines. I didn't need a card to pay rent. Even the most cursory analysis would have indicated that the application is fraudulent. 

To me this is evidence that Wells Fargo still does not have proper controls in place. I don't bank with them, and I don't plan to bank with them.