23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Someone called impersonating a debt collection company : XXXX Physical Address : Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The number they called from : XXXX They were collecting unpaid debt for : Our Account # : XXXX Creditor : XXXX XXXXXXXX XXXX XXXX 's Account # : XXXX Balance Due : {$390.00} They showed my name and an address in a state I've never lived in so I assumed either fraud or my identity was stolen and used to set up the account. I called XXXX XXXXXXXX XXXX directly and they confirmed there is no account with that address or number. 

The fraudulent " XXXX  '' officer had my full name, email and last XXXX of my social. I've uploaded a call recording.
Product: Credit reporting or other personal consumer reports

I am unable to place to remove a security freeze via the Equifax website and also via their phone system. It gives me the error message that " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' This is impacting my ability to get a loan to purchase a home. Searching online reveals that this appears to be a common problem that people encounter only with Equifax.
Product: Student loan

This is yet another complaint about Aidvantage. 

I set up autopay for my loans in XXXX, to begin on XX/XX/year>. The amount I set to automatically pay each loan was specified, and I specifically set the amounts to remain at the same monthly rate I had been previously paying. See attached confirmation of autopay. 

Today, I took a screenshot of what Aidvantage now has set my autopayments to be. I did NOT alter the autopayments, but it appears that Aidvantage has lowered my autopay behind my back! See attached screenshot with the lower amount of autopay, dated today. 

This is outrageous! 

I am diligently trying to repay my loans, and yet Aidvantage is continuously setting roadblocks into my way, either by capitalizing interest illegally, or now, by lowering the autopayment that I set. 

I want Aidvantage to STOP with the predatory loan practices!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Onemain, without my permission, did a hard inquiry / credit check. While I've done business with them before, no paper or online form / permission was given by me for them to do a hard inquiry.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to request the immediate removal of Radius Global Solutions LLC from my credit report. I have reviewed my credit file, and I noticed that information related to Radius Global Solutions LLC is being reported on my credit report. 

The details of my personal information are as follows : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX Digits of Social Security Number : XXXX Phone Number : XXXX Email Address : XXXX Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I request that you immediately remove any entries related to Radius Global Solutions LLC from my credit report. Please ensure that this item is fully removed, as I have not authorized it and believe it is incorrect or requires removal. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, and I expect your compliance with this request. Please confirm in writing once this action has been completed, or if further information is required. 

I expect this matter to be resolved within 30 days. Should you fail to comply, I will consider further actions to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Account in question : Discover This account is continuously reporting charge off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Experian and it came back on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After disputing this account 3 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Experian. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.
Product: Debt collection

I never had a XXXX account it was fraud, I tried reaching out to their fraud department and I couldnt get anyone
Product: Credit card or prepaid card

As of XX/XX/2022 I made a check payment for {$10.00}. I called Marcus by Goldman Sachs on XX/XX/2022 at XXXX. The phone call took XXXX and XXXX second. 
I paid in full. But when I received my bill in the mail by Marcus by Goldman Sachs credit card they charged me interest for {$0.00} and now the statement balance is {$0.00}. 
I called the Credit card company to dispute the charge. They said this is the policy, once you're late once we're going to charge you XXXX times a month. I told customer service Morgan at the credit card company that this is unacceptable. I paid in full and you should credit me the {$0.00} back to my account. So even though I paid in full they're going to charge me XXXX  months. This is a rip off! There scamming me, they're trying to ruin my credit. I need your assistance to make me whole in every way due to the violation and trying to ruin my credit which I paid in full and I should not be charged at all.
Product: Mortgage

I was with XXXX, they went under and FDIC took over, they sold it to AMS Servicing LLC and now Seneca Mortgage Servicing. I have been paying my mortgage and they have not applied my payments to the new loan modification of {$650000.00} that started XXXX/XXXX/2014. My credit show a late of 180 days since XXXX 2014. This has affected my credit. They have not submitted my mortgage interest statement for me to do my taxes. I have contacted the asset manager many times and they will not return my calls. They have not paid my back interest owed of {$10000.00} that I paid up front to start the loan modification program. {$8000.00} was the up front money. See Attachments. This stressful
Product: Credit card or prepaid card

I have been a customer of Chase bank for a while. I used to have many credit cards from them including chase freedom, because the good experience with them, I even closed my XXXX XXXX XXXX debit card and opened chase debit card savings and checking account. 

I am working as a XXXX XXXX XXXX at XXXX XXXX XXXX, where I am serving the biggest client XXXX XXXX. XXXX XXXX has many travel partners, so in XX/XX/XXXX, I used my chase freedom account to buy XXXX usd XXXX gift cards for XXXX XXXX travel partners becasue the company credit card was not working. This is guided and approved by my president. But in XX/XX/XXXX, I  suddenly found out that Chase closed my chase freedom account without checking with me. Generally other banks will call me, and check with me on the purchase, Chase didn't check with me and closed my account directly. 

When I called them, they said becasue my purhcase is big, which is XXXX USD out of the XXXX USD credit line they issued me. Chase also said I have no credit history, if i don't have credit history, why chase would approve the credit for me before?? Although my company didn't reimburse me all the money in time, I was still paying the chase freedom way more than the minimum amount they required. I don't understand why they close my account and gave me the reasons that doesno't make sense. 

I talked to the other two chase staff about this issuse, they either said they can not talk about it. Or they tell me, i can reapply the credit card but they can not reopen for me. Becasue I just compared the XXXX plaitinum card with Chase sapphire reserve, so I feel chase sapphire reserve is a better option for my travel plans. So I applied for that card again. Which I used to have one, but my husband closed it. Chase declined my application, and said the reason is becasue I had the unsatisfactory performance with them, which means I can not apply for any of their other credit cards, and what they told me i can reapply is the lie. I totally not accept the treatment I gained, i know I am a XXXX and I have language barries, but I feel i receive the great unfair treatment from Chase. All the customer services i spoke with are rude, and they don't tell me the reasonable explanations of why they closed my acocunt without chekcing with me.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in those account 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.

( CREDITOR NAME ) 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

I am filing this complaint regarding multiple inaccurate inquiries that Experian is reporting on my credit report. I have not authorized these inquiries, nor are they associated with any of my current accounts. Their presence on my credit report is negatively impacting my creditworthiness. Despite my efforts to resolve this matter directly with Experian, the inaccurate inquiries remain on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) ( 1

5 U.S.C. 1681b ), consumer reporting agencies must ensure that only permissible inquiries appear on credit reports. Permissible purposes for inquiries include instances where I have applied for credit, employment, insurance, or explicitly consented to the inquiry. The inquiries in question do not meet these criteria, and their inclusion on my credit report constitutes a violation of the FCRA.

Additionally, under FCRA Section 1681i, Experian is obligated to investigate and correct inaccuracies on consumer reports. I have disputed the unauthorized inquiries multiple times, but no corrective action has been taken. This failure further violates Experians legal obligation to ensure the accuracy of the information it reports. 

The presence of these unauthorized inquiries, which are unrelated to any of my existing accounts, creates an inaccurate and misleading impression of my financial behavior. Excessive and unauthorized inquiries can unfairly lower credit scores, causing undue harm to my credit profile and financial standing. 
XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experians failure to investigate and correct these inaccuracies undermines the integrity of the credit reporting system and violates federal consumer protection laws. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've paid the full balance owed off of my account and it's still showing up as derogatory on my credit Full balance has been paid and account should be completely removed ; as they no longer have money owed to them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$220000.00} and XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit card or prepaid card

XXXX XXXX Account ... XXXX {$2000.00} PURCHASED BY XXXX XXXX TRANSACTION DATE Thursday, XX/XX/2019 POST DATE Tuesday, XX/XX/2019 This charge was for two happy hour drinks XXXX colones which is about XXXX $ US. Barclays wont reverse it. I went back to the merchant while i was in XXXX XXXX and he admitted it should have went in as local currency, they would have video of my transaction
Product: Debt collection

All debt with original company was settled via legal settlement. Additionally debt is not owed under XXXX  XXXX sections 103, 104 and 109 of the Texas property code. Debt collector failed to contact or validate debt prior to reporting debt to credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX  XXXX, TX XXXX ; XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX (  Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX TX ) XXXX Balance : {$3700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} ; XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$790.00} ; XXXX XXXX XXXXXXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX  XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to a gray XXXX XXXX in XXXX XXXX , to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report.
Product: Credit reporting or other personal consumer reports

Date:XX/XX/2024 The Credit bereaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Checking or savings account

My direct deposit was supposed to come Wednesday XX/XX/year> but it has not arrived yet. We are on day XXXX of not receiving our direct deposit. Because of this I am not racking up late fees for not being able to pay my bills on time. I can't go grocery shopping to feed my family. Capital one is not answering the phone they are no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am not using a third party. I am a consumer who knows their federally protected rights. XXXX XXXX XXXX XXXX XXXX is in direct violation under federally protect consumer rights 15 U.S 1681b ( c ) ( 2 ) as I did not give this corporation permission to furnish a consumer report. No consent is IDENTITY THEFT. Additionally, XXXX XXXX XXXX XXXX XXXX is violating federally protected consumer right 15 USC 1681 ( a ) ( 1 ), " 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. '' Additionally, XXXX XXXX XXXX XXXX XXXX is violating federally protected consumer right 15 USC 1681 ( a ) ( 4 ) - violating the consumers right to privacy. As a consumer, I have a right to privacy and reporting ANY personal information without my direct written consent is a violation of the consumers federally protected rights under 15 USC 1681. As a consumer with a right to privacy, I demand the deletion of XXXX XXXX XXXX XXXX XXXX from all consumer reporting agencies XXXX XXXX XXXX XXXX XXXX provided my information to.
Product: Credit reporting

I am trying to access my Free Annual Credit report with Experian and they, every time fail to deliver a report. Instead they prompt me with a form requesting I send in documentation, which I have completed on numerous occasions, and still do not have a copy of my free annual credit report from Experian. They are putting my at risk by not being able to validate the information on my report is correct.
Product: Checking or savings account

I bought a new phone my old phone was still connected to my chime account and my XXXX XXXX I have no idea were the phone is at this point it was lost but somebody Made an unauthorized payment of XXXX XXXX  either to anther person or a company this XXXX XXXX  was taken from my chime account I opened a dispute they denied My problem is with chime!
Product: Debt collection

Repeated attempts to validate alleged debt, sent certified letter XX/XX/18 and XX/XX/18. Convergent Outsourcing fails to provide proof of alleged debt and continues to make false report to credit bureaus of inaccurate information. Spoke with XXXX lead supervisor at XXXX who stated the account was closed and no longer in the office as of XX/XX/18 but refuses to send confirmation in the form of a letter requested that the account was removed from their office. I called everyday for 5 days and no one will direct me to the correct person who handles these matters. Please remove from all 3 credit bureaus this is reporting to. This is a violation of my rights to report inaccurate information on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I opened this account XXXX XXXX. I made every single payment on time, because it was liked to my checking account. I just checked my credit report, and I was shocked to see 3 late payments. XXXX says I was late XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. However, XXXX says I am late XX/XX/XXXXXXXX XXXX XXXX XXXX and XX/XX/XXXX. However, I have the same exact checking account, and have NO emails or correspondence from them saying I am late, I missed a payment, NOTHING! I now am searching and noticed an email saying my Grain account has lost contact with my bank during this time, but NOTHING about missed payment, especially after being late, or even 30 days late. Instead, they allowed 3 missed payments. Only then, when the account hit 90 days late, that I was completely unaware of, did they send correspondence stating so, which I then handled immediately. The " lost contact with me bank '' especially since I never changed my banking details, is their problem, not mine, and these late payments should be removed immediately.
Product: Credit reporting or other personal consumer reports

A Checking Business account was opened without our consent at XXXX XXXX on XX/XX/year>. We received a letter from XXXX confirming the account. We contacted XXXX immediately and reported it as fraudulent XX/XX/year>. The perpetrator opened a credit line simultaneously for {$15000.00} and transfer the funds to the Business Checking account. A couple of months later we received a notification that Experian had posted a negative derogatory showing the account as delinquent. We contacted XXXX immediately and we are in the process of getting rid of the fraud and clearing our Credit Report.