23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

" Credible.com '' offers a best rate guarantee ( terms attached ) that pays {$200.00} if you close on a better rate at a different company. I made a Credible loan refinance search on XX/XX/21 ( results attached ). The best rate offered was 3.32 % from XXXX XXXX ( details attached, note that rate includes " auto-debit discount '' ). 

On the same day I made an identical search and was offered a better rate from XXXX of 3.10 % ( search results attached ) for the same loan information entered at credible. I chose to refinance with XXXX and submitted a claim with credible. Upon receiving my loan agreement from XXXX I submitted that to credible ( email and XXXX terms attached ). 

On XX/XX/21 I received an email from Credible denying the request citing that my rate from XXXX was actually 3.35 %. This rate does not include the the auto-debit discount of 0.25 %. Per the best rate guarantee terms " The Better Rate will be compared against your prequalified rates on Credible with autopay considered where available ''. I replied to their email pointing out their error and that I was eligible. They have replied to no further correspondence since i pointed out their error.
Product: Credit card or prepaid card

To Whom It May Concern:

About XX/XX/XXXX I started getting $2,000 to $5,000.00 charges on my credit cards a month from a cosmetic company! I would contest these charges; they would be dropped only to show up on another card the next month! This XXXX went on for years, could not get through to the people in XXXX that I am a man and do not use cosmetic. After 6 to 7 years of this XXXX the charges stopped! Then Discover stated the $4,000.00 to $8,000.00 transfers from card to card.
With late fees, overdrawn fees, fees on top of fees. I stop using all their cards in XX/XX/XXXX except XXXX. They stopped charges.
Well in XX/XX/XXXX, I was informed that my claim for XXXX from Social security and the Veterans Administration was approved< but is seems that the insurance company or the credit card company were informed of this before I was and canceled my XXXX and XXXX insurance. I sat down and figured how much I did owe them and stop paying when I hit that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to inform the CFPB, XXXX and Transunion that I am a victim of identity theft. XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX and Transunion is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( proof uploaded ) XXXX and Transunion is in violation of 15 USC 1681b ( 2 ). I never given XXXX and Transunion who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that XXXX and Transunion is a CRA that assumed its roll as congress said they are and elaborate mechanism. XXXX and Transunion has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent. I hereby demand XXXX and Transunion to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by XXXX and Transunion without authority or consent, to commit fraud and furnish a consumer report on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on credit reports. I submitted a complaint letter to Experian, XXXX, and XXXX by certified mail on XX/XX/XXXX. Here are the XXXX tracking numbers XXXX, XXXX, ( third number was lost ). No relief from this inquiry as of yet. This is truly disappointing! Please assist me in this matter. The four days to remove these inquiry/reporting has past, why is this still on my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report is showing a debt of {$1800.00} to Progressive Mgmt from XXXX XXXX. I tried to resolve this with them but never got it cleared and its back on my report. This is not my charge please help with an investigation or let me know how i Can get this off my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a longtime XXXX customer, who drove off with a new, leased car in XX/XX/XXXX, and who continues to make my monthly {$460.00} payments to XXXX XXXX XXXX XXXX. But my credit report shows nothing about my lease payments from XXXX - present!! I realized this as I got weird information from XXXX XXXX, XXXX, NJ salespeople. XXXX XXXX kept calling me stating they want to give me a new deal. But one salesman said I was not paying my car note! Another said, my bankruptcy will make it impossible for me alone to get another XXXX ; said I needed my mom to be a co-signor. This was all said despite, me getting XXXX   before, with lousy credit, and despite me getting my mom to also get new cars from XXXX XXXX. So I skeptically got my credit reports from all 3 credit bureaus, only to see that XXXX reports my old stuff, but not my most current stuff! I called XXXX XXXX and got a representative who stated they did not report this new activity, because of my bankruptcy. ( XXXX is not part of that bankruptcy ). I forwarded an e-mail from my bankruptcy lawyer. It stated what I did : XXXX is not part of my bankruptcy plan. XXXX is a creditor paid outside of that plan, and thus, may lease/sell me another vehicle. 


XXXX claims the car is due back, in XX/XX/XXXX. ( It should have been turned in, XX/XX/XXXX ). But I got such weird, false information from car dealers, I did not take any new deals. But now, as I get closer to XXXX, I want XXXX to report my TRUE, new information! My bankruptcy is clear to the world. But my new lease agreement with XXXX is secret! ( Thank XXXX, I paid everything electronically, though my XXXX XXXX XXXX bill pay service. That allows a record, but only my OWN, not XXXX 's ). I deserve to have not only XXXX, but any other car dealer, rightly see my excellent credit with XXXX, as I seek to enter a new lease/car-buying deal!
Product: Credit reporting or other personal consumer reports

In XXXX of this year, XXXX XXXX  ( Arkansas ) closed a checking account with a negative balance of around {$120.00}, so the account was closed off and reported to ChexSystems. After being denied when attempting to open a checking account, I contacted XXXX and was told that they had reported to ChexSystems that the amount had been paid and should be removed from my report, and that I should contact ChexSystems. I called and filed a dispute stating that having this on my report is affecting my financial stability, and they informed me that they would contact XXXX and would follow up with me by mail. They have since informed me that although the {$120.00} was paid with another account ( and could have been prior to the account closure ), the charge-off will remain on my report for 5 years, now making it impossible to open a checking account with any other institutions that use ChexSystems.
Product: Checking or savings account

Made a request to Cash App Customer Service threw the app for a refund and didnt receive an answer at all
Product: Debt collection

On XX/XX/XXXX I contacted XXXX to pay an overdraft amount of {$640.00} for my checking account. I spoke to XXXX and she took my payment over the phone. She stated she would let the collection agency XXXX XXXX XXXX to remove the account from collections. On XX/XX/XXXX XXXX reported the account as collections to XXXX. I submitted a dispute to XXXX on XX/XX/XXXX. XXXX reported the debt as verified and updated on XX/XX/XXXX report number XXXX. This is factually incorrect. On XX/XX/XXXX I contacted XXXX to confirm there was no balance due and that my account was active. They confirmed it was and said they would email XXXX Collections that day XX/XX/XXXX. On XX/XX/XXXX XXXX Collections reported the debt as paid on XX/XX/XXXX. On XX/XX/XXXX I called XXXX again requesting an update about this error and Again I was told they would email the owner of XXXX to correct it. As of today XX/XX/XXXX the account is still incorrectly listed on my report. The account was not verified as valid correctly when I disputed it on XX/XX/XXXX. My contact at XXXX is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the Accounts, I believe it was reporting in error. 

XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance XXXX {$0.00} TransUnion : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

From XX/XX/2022 to XX/XX/2022 there have been several hard inquiries made on my XXXX, Equifax and XXXX credit reports that I did not authorize. I do not know or have any business or any agreements with the companies listed. I am exercising my authority to dispute the inaccuracies on all three credit reporting agencies per 15 U.S. Code 1679c. This can be considered a defamation of character and possible identity theft. I request that they be removed immediately.
Product: Credit card or prepaid card

I had a horrible experience with Discover Card. I have been with Discover Card for almost 20 years. Have never been late with a payment. I had a scammer put several hundred dollars worth of expense on my card. I called Discover Card for some help. Again, Discover Card did not have my back. This has happened before and Discover Card did not help me. I sent in two online payments like I normally do and twice the payments went through online but Discover Card told me that they did not accept the payments. {$750.00} worth of payments did not get accepted by Discover Card. When I called Discover Card they told me that I have now gone to 'Collections ''. Even though I sent in my payments online and online I was told that the payment went through, Discover Card told me that they did not accept the payments in a phone call that I made to Discover Card. I then asked for a payoff balance and told them to give me the exact amount as I did not want to receive another bill from them later saying that I still owed money to them. I was given the amount of my account which was in the {$9000.00} range. I immediately sent in the payment online and the payment was accepted online. I now just received a bill from Discover Card saying that I still owe {$110.00} interest payment. I payed the amount given immediately after it was given. Why do I still owe interest? Discover Card has been stealing money from me for years and they liked it so much that they do not want the ride to end. Please check into this as I intend to continue to complain until something gets done to help me look into how Discover Card has been ripping me off for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting my XXXX XXXX XXXX XXXX XXXX account with a late payment and that is inaccurate, I have never been late on this account. Delete late payment.
Product: Debt collection

As far back as United States, XXXX the United States Department of education has utilized a third party debt collector to report a debt they employees of United States Department of Justice/XXXX XXXX says the consumer who is also the original creditor owes. It is innerstood that United States Department of education without a valid contract has altered and sold the social security card, name and account number which is linked to the all capital name which is the property of the social security administration pursuant 42 usc 408 without written consent, authorization or disclosure pursuant to 31 cfr 1.32 and 5 usc 552a. It is illegal and unlawful to alter, trade or sell securities instrument which was only intended to benefit the beneficiary/card holder to monetize and gain profit off of which is monopolizing. The legal fiction all capital name is a pseudonym also known as debased XXXX  XXXX in which debt collectors and credit reporting agencies are using to cause liability to the beneficiary/The Natural Living Man who lives in his mind, body, soul with blood, brain and a pumping heart. The language on the credit reporting are is false and misleading pursuant to 15 usc 1592e and with all three credit bureaus such as experian, XXXX, XXXX XXXX and the department of education/XXXX XXXX put up on notice by phone and online yet they refuse to acknowledge or do anything about these matters are civil liability for wilful noncompliance pursuant to 15 usc 1681n , civil liability for negligent noncompliance 15 usc 1681o , civil liability 15 usc 1640, liability of assignees 15 usc 1641 and criminal liability for wilful and knowing violation. There's evidence of the department of education/great lakes soliciting debt notices through the mail which is mail fraud pursuant to 15 usc 1692-harassment and abuse and 18 usc 1341-frauds and swindles . Grammatically every removed from the credit report because the foreign XXXX  XXXX language has no jurisdiction with XXXX which makes this type of act a violation of 15 usc 52-disemination of falsified information, deception, trickery also pursuant to 18 usc 1001 , 18 usc 1030- fraud and related activity in connection with computers, 18 usc 1038-false information and hoaxes, 18 usc 1343-fraud by wire, radio or television, 15 usc 1692k-civil liability and 18 usc 1028a-aggravated identity theft. Debts are sins and goes against the good faith of Natural Living Man and that debt which is tied to an all capital name, symbols and psuedoyms are liabilities and are outside the scope of what security instrument social security card, name and account number that's actually a credit card pursuant to 15 usc 1602L was created for. Lawful Men and Women put up their mineral rights which involved gold and silver and their sweat equity to bail out the United States Corporation during the 1933 Bankruptcy and that social security card, name and account is unlimited credit.
Product: Debt collection

After the last complaint against ERC, I submitted the " Tell Me More About This Debt '' letter from CFPB. I was sent a one page bill as verification. Please send the documents requested : " Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? ''
Product: Credit reporting, credit repair services, or other personal consumer reports

We held a credit card account with XXXX XXXX XXXX ( XXXX Visa ) going back to XXXX. We moved to XXXX in XXXX, but kept our US bank accounts active and had this credit card on automatic payments monthly. At some point, XXXX XXXX XXXX sold these accounts to XXXX XXXX and our automatic payments became null and void. We were unaware of this change for a number of months due to the delay in getting correspondence to us in XXXX. We were finally made aware when a collections agency contacted us with regards to our account. At this point, we made a payment arrangement with the collections agency and paid the full balance owing on the card. 

Our credit report shows FAR more late payments than was actually the case, firstly. Secondly, the account has been paid in full. Thirdly, when I tried to resolve the matter with XXXX XXXX XXXX, they can not even locate our account in their archives or anywhere to corroborate our account details. We shouldnt be penalized when XXXX XXXX XXXX can not corroborate our late payments or whether or not the account was paid in full. We have all of our documentation still on file.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a police report was made reporting cavalry portfolio services as a fraudulent account. A report to the federal trade commission was also made against XXXX XXXX XXXX XXXX. On XX/XX/XXXX a cease and desist notice was sent certified mail demanding cavalry portfolio services to stop its attempt to collect any debt for these accounts, stop reporting this fraudulent information to the credit agencies and pay the invoice for violation federally protected consumer rights. 

XXXX XXXX XXXX have failed to provide any written permission containing my signature along with the purchase agreement between the seller and buyer of this alleged debt.

According to title 15 usc 1681c-2 , a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an ALLEGED identity theft, not later than XXXX business days after the date of receipt. 
XXXX, Transunion, and XXXX have continued to be negligent in their investigation and have willingly reported false and fraudulent information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are unauthorized inquiries for XXXX XXXX on my report. The credit bureaus allowed them to get my information now someone has a credit card in my name and now I am a victim of identity theft because they pulled my reports without my consent.
Product: Mortgage

My name is XXXX XXXX XXXX XXXX my social security number is XXXX and my year of birth XXXX my address is XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX ny XXXX contact information XXXX. My complaint is that selene finance loan XXXX ne er transfer my XXXX dollars that's still sitting in suspense. What happened was that my loan was transferred from my old lender XXXX XXXX XXXX XXXX. So that caused a delay in me making a XXXX dollars payment in which my new servicing company called Selence finance received on XX/XX/2021. I couldn't pay the difference of my modification trial before XX/XX/XXXX because my new servicing company called Selence finance didn't have my payment in their system yet that was being sent from XXXX XXXX XXXX XXXX when it was sold. .so what happened was that I spoken to customer service on XX/XX/XXXX and they told me don't worry you still have time to pay the difference of XXXX for XXXX trail modification payment as long as you get it in before the end of XXXX. Even it's due on the first you have like a grace period. So when I talk to a representative in collections dept she said when I pay the XXXX payment they will put in a request to transfer the money from suspense of XXXX dollars to my other payment that I make of XXXX dollars on XX/XX/2021 to satisfy my XXXX payment. Then I'll be due in XX/XX/2021. But when I called on XX/XX/2021 I'm getting the runaround in getting the XXXX dollars transfer from suspense to cover my XXXX payment. It's not my fault her that that I make my payments XX/XX/XXXX reason was that my payment information was transferred XXXX XXXX XXXX XXXX to selene finance and they up loaded it after XX/XX/2021 so they should update this information correctly in the billing system. When I made a prior complaint. The letter from selene finance states that I'm on a modification. It. XXXX from XXXX XXXX title resolution team. Can you please have her update my payment and transfer the XXXX dollars to my XXXX payment I also pay XXXX
Product: Debt collection

I rented an apartment from XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. 
My apartment was located next-door to the superintendent of the property. I went away on vacation on vacation in XX/XX/XXXX. I came home to find that there was a hole drilled into the wall in the closet under the stairs with a white cable wire going through it. 

I called up XXXX XXXX on XX/XX/XXXX to notify them of the incident. XXXX XXXX stated they would look into it. I was disturbed XXXX XXXX 's lack of response regarding this matter. I was very upset that an employee who is their superintendent would use his key to gain entry to my home and drill a hole into the closet in order to gain free access to my cable television. 

My wife and I had XXXX small children ages XXXX and XXXX XXXX old. My wife and I no longer felt safe in the apartment. In XX/XX/XXXX we informed XXXX XXXX that we did not feel safe after their employee unlawfully entered our home without prior permission and stole our cable services. 

I took pictures of the holes drilled into the wall and the cable wire which were sent to XXXX XXXX Corporate office. XXXX XXXX kept our security deposit and come to find out 5 years later they filed a judgement against in the amount of {$10000.00}. I never received any notification from XXXX XXXX regarding the judgement. I Spoke with XXXX XXXX prior to me vacating the apartment. 

I tried to contact XXXX XXXX requesting back up documentation for the alleged balance they claim I owe them.