23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I would not make any complaint if it happen only 1st time. However, it keep repeating and kind of abuse my account. 1st time I purchase my house, my family and relative send me check to help me to buy house. Right after I deposit check, Chase withdrawn money from donor account ready but they keep placing holding for 7-11 days more. I have patience to wait to clear. Then, I wrote check out to title company to make initial deposit. They said my account insufficient. Even though amount is over than what I wrote. I have to call them and they said they release now. 
This is second time, I deposited money and they withdrawn money from payer ready but they emailed and said place it on hold again. I know that sometime big amount can make them money and cause for being greedy to treat customer in the way as they stupid. If I dont file dispute, they would do same as next and few. I have bill to pay but they put on hold too long and I dont think appropriate while they took money from another out and place on hold. Do you think it is fair while I have to pay for late charge credit card even though 1 days, another bill. Any rule and regulation for them???
Product: Payday loan

I applied for a loan, the truth in lending disclosure was never displayed to me. The company told me on a {$400.00} loan I would have to pay a total of {$540.00}, which includes a {$140.00} service fee what I accepted. Today I check my account and they are charging almost 1000 % interest ( not a typo )! This was NEVER told to me or I would have never accepted the loan! This is a scam!
Product: Credit reporting or other personal consumer reports

Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX {$970.00}, XXXX XXXX {$2500.00}, XXXX XXXX XXXX {$1600.00}, XXXX XXXX {$1600.00}, XXXX XXXX {$3000.00}, XXXX {$730.00}, XXXX # XXXX, XXXX {$480.00}, XXXX XXXX {$250.00}, XXXX {$310.00}, XXXX XXXX {$470.00}, XXXX XXXX  {$630.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I disputed items in October due to identity theft with proof of police report and and identity theft report and only one item was deleted I then submitted complaint with you asking for the items be deleted or for proof of my ownership and some items were deleted but not all The below still remain I also disputed inquiries that were not mine 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: Checking or savings account

I recently set up a joint savings account for my mother XXXX XXXX XXXX with synchrony bank XXXX. I then funded account with XXXX from our joint XXXX XXXXXXXX account XXXX. I did this from within synchrony website. The money was withdrawn from XXXX XXXXXXXX on XX/XX/2023 but synchrony said they never received funds. I have been working with both banks for hours. XXXX XXXXXXXX said it was authorized by us so they cant do anything. Synchrony refuses to handle. I cant believe both banks wont help and I dont know what to do.
Product: Credit card

If tried to remove these accounts for years and they wont stop sending emails and wont remove from my credit report. Accounts are not mine.
Product: Debt collection

My report is showing two accounts that are charged off/written off, SANTANDER USA account number XXXX and XXXX XXXX account number XXXX. According to 15 US code 1681c ( c ) this information should not be reported on my consumer report. These accounts should not be reported as negative on my consumer report I am requesting a 1099c form which I never received to make sure they were in compliance they are violating 15 USC 1681eb for reporting information that is not one hundred percent accurate. These accounts should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The amount owed is not valid, the unit that we were renting had serious issues with Mold and we had to move because of your young child and the health risks associated with this. We were let out of our lease, they must have made a mistake in calculating that any monies are owed to them as this is false. We are prepared to hire an attorney and file a lawsuit against them if it comes to that. For now, we would request that they put in a request to remove this account from our credit reports.
Product: Credit card

As a long term customer of XXXX XXXX? Comenity Bank, I received notice that they was lowering my credit line. I believe that they are discriminating against and violating consumer protection laws based on the fact that I have never been late and actually have paid off my account multiple times. I was originally given a XXXX credit limit when I opened the account and over the last 3 years it has been at the highest of XXXX. As I stated, I have never been late and have actually paid off the account balance. A consumer should be retaliated against simply because they " don't have mortgage history '', simply put I paid my 20 year mortgage off in XXXX  after a flawless pay history with my mortgage company. My credit worthiness was rebuilt and I continue to monitor it. I have filed numerous complaints against XXXX for incorrect information on my credit file. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX verified a bankruptcy on my credit report that I disputed several times and years. XXXX has XXXX XXXXXXXX XXXX XXXX, contacted them with the information XXXX provided on my credit report, they informed me they didnt report or have anything to do with consumer reports and they dont report to them, so then XXXX told XXXX LexisNexis is XXXXhe reporting agency well lexisNexus informed me they are not reporting any bankruptcy on my file to contact XXXX somehow XXXX keep verifying this. LexisNexis informed me the last time XXXX contacted them was XX/XX/year>, but XXXX have records of contacting them servaral times after
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found inaccurate late payment notations on my XXXX  account ( Account Number : XXXX ). All payments have been made on time, making these reports incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers must ensure the accuracy of reported data. Specifically, TransUnion and Experian incorrectly report a 30-day late payment for XX/XX/year> and XX/XX/year>, as well as a 60-day late payment for XX/XX/year> and XX/XX/year>. Equifax inaccurately reports 30-day late payments for XX/XX/year> and XX/XX/year>, and 60-day late payments for XX/XX/year> and XX/XX/year>. These errors should be corrected within 15 days of receipt. Additionally, I request documentation verifying compliance with 15 U.S. Code 1666b, which requires that periodic statements be delivered at least 21 days before the due date. Please provide the periodic statement and corresponding tracking number to confirm timely delivery. I have attached supporting documentation highlighting these inaccuracies.
Product: Debt collection

I received an email stating I owed a debt to XXXX XXXX for the amount of XXXX from XXXX. This debt is not on my credit report and I have never received or inquired on services through XXXX XXXX in XXXX I am a victim of identity theft in which my twin sister was using my social security number for financial gain. It has been reported to my local law enforcement agency who has investigated this matter. I did report identity theft to the social security administration and my social security number was changed because I provided so much documentation and proof that XXXX was in fact using my information without my permission and or consent. 

XXXX XXXX from TrueAccord Corp a debt collector has fount my email address to contact me. He's also using my current address to justify the debt. I've lived in my current XXXX for almost 5 years and the debt he claims I owe was from XXXX. He didn't provide any other information other than what looked like a screenshot of any body 's account. He can't prove or hasn't proved it belongs to me!
Product: Debt collection

Through checking my credit report/score, I saw that there was a collection notice submitted by Sequium.com on behalf of XXXX XXXX XXXX XXXX. It was for an a phone bill that was overdue. The account was opened in GA and I live in XXXX. I never traveled to GA and I am already a good customer with XXXX XXXX XXXX in a very good standing. 

I tried contacting Sequium.com through phone and email to dispute my debt but I could not get in touch with them and did not get an email back. I called XXXX XXXX XXXX and put in a dispute. I have not heard from them yet. 

I have disputed this with all credit bureaus and both XXXX  and XXXX  removed this collection from my notice. XXXX  claims that the debt is mine but did not provide me with additional information. I have called XXXX  and they told me to gain contact XXXX XXXX XXXX and file another dispute. 

I am not sure how this happened but it is a lot of work to remove a fraudenlet activity espcially when XXXX  is not cooperating very much with me even though the other bureaus were quick to remove this collection from my account and restore my credit score.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Student loan

As I make payments to principle to pay down my debt more rapidly, Navient raises the interest rates on the private loan to offset the difference in interest they receive. In the past year they have raised my interest rate more than 2 % in direct relation to my principle being lowered by extra payments. I did call them to ask why my interest rate was so high and they did the additional payments as a reason for my rate hikes.
Product: Debt collection

On the date of XX/XX/2023 I was contacted by Comenity Bank XXXX times. XXXX calls were within the same hour. I feel I am being harassed. 
They have also started calling from unknown caller on dates after that. I know for sure its them because I answered once and they lady said thats where she was calling from.
Product: Credit reporting or other personal consumer reports

Iv called multiple time to get all these inquires removed do to that fact that I don't recognize any of them and these inquires was not giving approval by me. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type IndividuaXXXX XXXX XXXX XXXXXXXX XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Requested On XX/XX/XXXX Phone Phone number not available Inquiry Type Individual XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX And on 15 USC 1681b these have no permissible purpose to be on my credit report anyways.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX Fradulent names and addresses were-added to credit reports XXXX agency denied removal. 
Names and address used fraudulently 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 card or prepaid card

I had booked flights on XXXX XXXX for XX/XX/XXXX and due to Covid-19,  our flights were canceled because flights were suspended in our city. I reached out to XXXX to get clarification on refunds or credit. We did not ask to change or cancel our flights with XXXX and we were never informed that our flights were canceled. We discovered this information when checking the status of our flights on their website. When multiple attempts were unsuccessful I reached out to our capital one credit card and informed them of the situation and started a dispute. On XX/XX/XXXX they credited my account and on XX/XX/XXXX they denied my dispute and I was rebilled for the flights. Capital One informed me that I needed to deal with the merchant and that they would no longer help me. I informed Capital One that XXXX had voided my vouchers due to the dispute and that they would not be giving me any vouchers to use for future travel because the bank had been refunded for our flights. I have talked to Capital One multiple times to inform them that services were not rendered by XXXX and that they continue to inform me that no vouchers will be given to me for the canceled flights. Capitol one refuses to assist me in the matter.
Product: Credit reporting or other personal consumer reports

The Following information is all incorrect and fradulent on my account even the names phones and even the social security numbers. 
Credit cards and credit lines XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$14.00} Status Account charged off. {$14.00} written off. {$12.00} past due as of XX/XX/XXXX. 
addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident type Single family XXXX XXXX XXXX XXXX, NY XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Resident type Apartment complex XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX NY XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Resident type Single family Phone numbers ( XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX Cellular Social security numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I filed for bankruptcy. I got a discharge of my debts. US Bank is my mortgage holder. They refuse to report that I have a mortgage to the credit reporting bureaus. They also wo n't release my mortgage statements for the last three years.
Product: Student loan

This is my second complaint. Nelnet responded and I got a letter stating my application was approved on XX/XX/XXXX. 5 days later my account was put back in forbearance and my payments increase to what they were before I was approved. I called and no one could give me any answers. They asked me to pay {$5.00} to change plans but I already paid that over a month ago. They filled out a form but I dont understand why I was approved and have a letter that is as approved, my payments changed and then a couple days later went back to what it was. And theyre asking me to pay {$5.00} that I have record and their representative says they have record I have already paid. This is the most ridiculous thing Ive ever gone through. I am so frustrated.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account with XXXX in my name and they claimed a phone was sent to my address. Yet, they dont have any imei number or serial number for the phone nor proof of signature for delivery. I did not order a phone from XXXX and they have refused to remove it from my credit profile. The phone I was told by a representative was never used nor activated. They can not provide any contract or signature or ID that I opened the account. There claim however is that it was sent to my address. I've had XXXX  services now for 15 years. I have no purpose for their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I discovered that Trans Union was reporting an alleged Tax Lien on my credit report known as : FEDERAL TAX LIEN, XX/XX/XXXX,  XXXX, RECORDER OF DEEDS, INTERNAL REVENUE SERVICE, no further information was being reported at that time, no name, no address, no amount, no social security number, no date of birth. 

On XX/XX/XXXX I sent Trans Union a letter ( see  attached ) using Certified Mail and not only disputed this erroneous filing I requested validation of where the information came from in the first place and that it be validated with the Court who is the ONLY ones who can legally validate it. 

The response I received from Trans Union was they undated the file ( see attached response ). How can you update a file without sending an employ to the Court House and obtain accurate and verifiable evidence of such an account? 

It 's important to note here that on XX/XX/XXXX the Credit Bureaus agreed to remove any and all such incomplete records that were missing the above mentioned information ( see attached letter from the XXXX XXXX XXXX XXXX, XXXX ) that the CB 's agreed to comply with the Attorney Generals throughout the Country. 

It is also important to mention that neither XXXX or XXXX are reporting this alleged Tax Lien ( see inclosed reports ). 

I contacted the Clerk of Court and ask them what their reporting procedure is for reporting information to Trans Union and the Court responded that they do not directly supply or report any Court information to Trans Union unless Trans Union sends an employee to the Court House ( see attached letter from the Court ). 

I also contacted XXXX XXXX and about this allege Tax Lien and they responded that there is no record of this alleged Tax Lien in their records either ( see attached letter from XXXX XXXX ). 

Suffice to say that Trans Union needs to comply with both Federal and State Laws and delete this erroneous filing immediately and send me copy of that deletion for my records. 

Thank you for your kind consideration. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received an email from Experian that my IDnotify service had expired. I have no problem with this since I was expecting it. The problem arises when, in the same email, they notified me that my Experian credit file had also been unlocked. Before the days of free credit report freezes, I paid Experian to freeze both my and my wife 's credit reports. Having paid to have it locked, I expect it to stay locked until I request the freeze to be lifted and they should not be able to unilaterally unlock it unless I request it. 
I tried to log on online and for some reason they would not let me log in to my account. I tried to call the number they gave me ( XXXX ) and was told that because of large call volumes, I should call back later. In dealing with the privacy of my finances, this is unacceptable. 
I have no idea if my credit report is frozen or not.