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

The bank offered a promotional 0 % interest rate. When it expired I paid off the balance. However, the bank applied the balance to a lower-rate balance and charged me 19 % on the former promotional balance. When I called to complain, I was given the run around and my call was dropped. When I called back in the bank tried to confuse me, but I know they misapplied my payment. My payment, which exceeded the minimum payment, should have been allocated to the highest rate balance, and it was not. The bank wants to cheat me and they think I am too XXXX to know it.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX occurred on XXXX, XXXX and XX/XX/year>. This reason for the late payments I was XXXX XXXX XXXX in between time due to serious health issues and being a XXXX XXXX XXXXXXXX. I've attached a letter and hospital documentations below. Please read and take it into consideration
Product: Other financial service

I was contacted as soon as I graduated in XXXX by a company that claimed they could provide a specialized service to lower my student loan payments. After explaining everything to me it seemed to make sense so I agreed to give them my information and pay {$2000.00} for their service. They instantly started the payment process and informed me I would pay {$98.00} a month from that point on. I later found out through my student loan provider that this is a free service I could have applied for myself in just a few minutes. I have paid {$600.00} of the {$2000.00} balance so far and stopped making any further payments. This particular company has been very difficult to contact to ask questions and has minimal online presence to check my account status + payments and things of that nature. Hence, why I feel they are fraudulent and should be recognized for their " services. ''
Product: Debt collection

An obsolete credit card account must be legally removed from my credit report. After over 7 years this obsolete and incorrect account remains on my credit report. Please remove the account permanently from my Experian credit report and do not publish it at any time in the future by penalty of Federal Law. Account ending XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my lender that I was not approved for a home equity loan due to some derogatory itmes listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Pleae remove the items as soon as possible. XXXX XXXX {$130000.00} XXXX XXXX XXXX XXXX  XXXX {$12000.00} XXXX   XXXX XXXX XXXX  XXXX {$530.00} XXXX  XXXX {$2300.00} DEPTEDXXXXXXXX XXXX {$7700.00} XXXX XXXX XXXX {$10000.00} DEPTEDXXXX   XXXX {$4200.00} XXXX XXXX {$250.00} XXXX  XXXX {$550.00} XXXX XXXX  XXXX {$2600.00} DEPTEDXXXX  XXXX {$4000.00} XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX  XXXX {$1000.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$800.00} DPTEDXXXX   XXXX {$4200.00} XXXX XXXX {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect names, phone numbers, and addresses within my credit file, which I have asked that they remove along with some accounts that do not belong to me. I have asked that they send me verification of how all debts in which I have disputed were validated, including the name, address and telephone number, of who they contacted in order to verify the information. I asked to be informed whom they spoke to, did they write to them, was a UDF form used, or was this through electronic automatic dispute verification and were they able to reach them at the same address/phone number listed on my report, they have neglected to provide me with any of this information. I rcvd an email that my most recent dispute has been completed on XXXX/XXXX/2017, but I did n't r'cve information pertaining to my dispute. I also found it very difficult to dispute inaccurate names, addresses and phone numbers that appears in my credit file. 

I was told that the public records Bankruptcy ( which reports on my credit report inaccurately ) was verified through a third party company named XXXX, but when I contact XXXX I am told that this information was n't validated through them because it would violate the FCRA, being that they have a credit freeze on my credit file at there company. So this leaves me to believe that Experian is n't doing proper investigations as they are required to do when a consumer disputes inaccurate information in their credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Vehicle loan or lease

I have a fraudulent auto loan reporting on my credit that I did not sign for under any circumstances. This matter has been lingering around for sometime on my credit causing great hardship. My financial freedom has been limited for almost the past decade. I have no idea how this could have taking place without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE INVESTIGATE CONSUMER REPORT. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX 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.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I was Refinancing my house and after closing I found that my mortgage company didnt pay for my homeowners insurance. Even though we have it in an escrow account. My Insurance now is canceled
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3300.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am writing to address the late payments reported by your company on the following date : XX/XX/year> According to 15 USC 1681 ( a ) ( 2 ) ( A ), my consumer report should not include information that solely relates to transactions or experiences between the consumer ( myself ) and the person ( you ) providing the report. Payment history and the late payment entries are part of the transactions and experiences between your company and me, which negatively affect my credit report. 
Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 USC 1666 ( b ) ] you have in place to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Additionally, please include all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the receipt of this letter to provide me with the requested information. If you fail to provide this information within the given time, it will be assumed that you can not verify the late payments on the specified date ( due to a lack of reasonable procedures to ensure the accuracy of my account ). Therefore, I request that you remove the late payments from my account and update my consumer report to positive with the relevant credit reporting agencies ( XXXX, Experian, XXXX, or any others applicable ). 
Additionally, please verify all inconsistencies I have sent to you with the three credit bureaus, which are attached and highlighted in red for your reference. 
Please send any updates regarding my account to the address below. Thank you for your attention to this matter. I look forward to a favorable response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and equifax shows collections accounts and credit cards I did not open XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX company Ive tried to dispute I havent got anything fixed
Product: Debt collection

A company called XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Illinois, XXXX ) has been attempting to collect unpaid taxes in an amount far in excess of what I could possibly owe the State of XXXX. They have left harassing and abusive voicemail messages at hours outside allowable contact times, have threatened to sue me and contact my employer, and have sent me a copy of a garnishment order ( XX/XX/2023 ) in an amount I do not owe. 

It's unconscionable that the State of XXXX  Dept. of Taxation would associate itself with this entity or its unlawful practices.
Product: Mortgage

My current mortgage is serviced by Caliber Home loans I tried to login today to make a payment because i am behind and it said my loan servicing is being transferred to XXXX  and i will be notified once it has been. it directed me to the XXXX XXXX site and they dont show my mortgage. neither company will allow me to make my payment even though i am behind and trying to avoid foreclosure. the XXXX  site says until i receive the letter regarding the transfer i should continue to make payments to my old company but they wont let me.
Product: Credit reporting or other personal consumer reports

These 3 inquiries are needed to be removed asap XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX  Account number N/A, Misleading., XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account number N/A Misleading., XXXX XX/XX/XXXX Account number N/A. Misleading Apart from those 3 inquiries mentioned on the previous page these are the other following inquiries with their dates that I don't consider are mine and I want them to be gone asap from all my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I would like to inform that in all the credit bureaus my employer isn't being spelled accurately in all my credit reports. I'm self employed and my business name is XXXX XXXX XXXX kindly fix the spelling. Please make sure that on the business credit bureaus side of my XXXX XXXX XXXX shall have XXXX  : XXXX and XXXX : XXXX as their respective codes don't assign anything based on your assumption or anything other then these two that I have mentioned above as my these are right codes for my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Showing on my XX/XX/XXXX Credit report terms are revolving and hindering my credit score and report on a charge off account last payment on XX/XX/2018. It keeps reporting C/O each month making this account active on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the kind of person who likes to complain but I felt compelled because of the situation that I find myself in. 
I have paid this account and disputed it but its still showing a balance on my report. This should be showing XXXX balance since I already settled this account. 

I would sincerely appreciate if they would submit a request to update this account so that it is reporting accurately with a XXXX balance and nothing past due or to completely remove it from my credit history.
Product: Debt collection

XXXX XXXX is a debt collection agency that was hired by XXXX XXXX to collect on an outstanding debt in the amount of {$24000.00}. The debt is in my name, but I've never purchased anything from XXXX XXXX. All of my credit cards and all other loans are current. 

XXXX XXXX contacted me on XX/XX/year> to inquire about the debt and attempt to collect. I informed them that this is not a debt that I owe. They then sent me a Notice Letter acknowledging my claim of fraud and/or identity theft on XX/XX/year>. 

I filed a police report with the XXXX police department in XXXX  on XX/XX/year>. I spoke with XXXX XXXX over the phone to file the report. Her email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax failed to investigate a rental history debt thats not validated or correct. I attached a balance sheet directly from the XXXX XXXX XXXX site showing a balance of {$0.00} owed. Ive reached out to XXXX XXXX XXXX  the creditor/collection agency and they inform me on XX/XX/year> they submitted a code to Equifax to remove the account immediately. I reach out to Equifax and requested that they expedite this issue and removing the account because I am unable to find housing or receive help with housing with this reporting. I also inform them Im XXXX  with kids which justifies the importance of this being expedited. Equifax refused to investigate my dispute to remove the account and said it was validated. As of XX/XX/year> the account is still reporting on Equifax and Im XXXX  with my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022, has violated my rights. 

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
Product: Debt collection

I have paid MUCH MORE than the original amount owed. Almost XXXX more. I believe the original amount was around {$20000.00}. I am approaching XXXX that because they claimed {$7.00} a day in " interest '' was accrued. They are not returning my calls or emails.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax stated i have a bankruptcy on my credit report and they said they verified my information through lexisnexus but the attached letter confirms I should not have a Bankruptcy on any credit reports since they cant confirm this information is valid. It needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I experienced financial hardship during the National Pandemic due to XXXX. I myself was unable to work due to shelter in place orders and my husband and I both contracted the virus which forced us both to quarantine XXXX times that year. During the year of XXXX we had XXXX late payments reported the Credit Bureaus for the months of XXXX, XXXX and XXXX. We spoke with representatives from the company at that time and they still reported late payments after we promised to make payments and fulfilled those payments. We have made on time payments consistently since XXXX of XXXX  and when contacting them again today, I was told that there is nothing they can do to assist us and that we would have to go directly through the credit bureaus.
Product: Debt collection

There is a collection account which is unknown and I do not owe this company {$410.00} requesting removal
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To who it may concern, There was a breach with the XXXX XXXX XXXX XXXX and requesting a deletion : inaccurate information You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these inquiries be deleted : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I applied for the PSLF and received a letter from XXXX Dept. of Education, on XX/XX/2021, that they received the form and the second page stated my loans " Are being transferred for PSLF eligibility confirmation, " further stating that they " Reviewed my PSLF certification and application form and based on my employment and other information ( we ) determined that ( you ) have eligible loans and ( your ) employment qualifies for PSLF and that ( they ) do not know yet whether I had made the 120 qualifying payments to be eligible for forgiveness ( note I have a copy from my servicer ) of all my payments and have over the required amount ) to be eligible for forgiveness, and that before ( we ) can determine if ( you ) are eligible for forgiveness ( we ) must transfer all ( your ) US Dept. of Ed owned loans from ( your ) current servicer to us. '' I have been waiting for those transfers and any information. I never received information form servicers tehy had my loans, and calling Dept, of Ed, Mohelia, and XXXX has been a nightmare. I am unable to log onto Mohelia becasue XXXX now has my loans, which should have gone to Mohelia, and XXXX said I needed to talk with Mohelia. Mohelia told me they don't have them. I received an email my student loans are coming due ( despite I applied for forbearance while my PSLF was being forgiven. 
I filed a complaint with the Dept. of Education who responded in an email that they " ... were not able to locate ( my ) application on Mohelia 's status center '' and that " We recommend that you submit a new application to be sure your information is fully processed ''! further, it would take approximately 30 calendar days then take another 60-90 days from the date ( my ( PSLF form is approved. It was already approved back in XXXXXXXX XXXX XXXX I have the account number assigned to my Dept of Ed XXXX 's letter dated XX/XX/2021 but I have not been able to reach Mohelia ( and now the Dept. of Ed XXXX 's Loan Discharge and Forgiveness '' department by phone to provide the account number assigned to my PSLF form that they received it and determined through my employer I am eligible, etc. I have a copy of all my on-time, never late payments from my loan holder/servicer with their letterhead on it of all my payments since XXXX that I can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to TransUnion I sent them communication letters regarding the errors and inaccurate information in my report such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. It has already more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.