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

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -15 U.S.C 1681 section 602 A. States I have the right to privacy. -15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. -15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. the accounts i am talking about are listed below : 1XXXXXXXX XXXX- acct # XXXX XXXX ohio dept of human serv- acct # XXXX 3. XXXX XXXX XXXX- acct # XXXX
Product: Debt collection

I sent an email and letter to Capital One : " Earlier this year, I made a settlement payment to pay a total of {$1700.00}. I paid that off in XX/XX/XXXX. I sent a letter months later asking to have the account removed from my credit report but was denied. 

I would like for you to understand that I have been going through a very hard time dealing with XXXX, XXXX XXXX, and family death, however, I managed to pay the settlement in full. 

I'm planning on buying my first home and since the account hasn't been removed, that has stopped all proceeds with my lender until this old, closed account is removed. I know it's scheduled to be removed in XX/XX/XXXX, but I would like to know if it can be removed now since it is paid. Please consider removing the account as it is negatively affecting my current chances of purchasing a home. '' I recvd a call from Capital One and they still refused to remove since it was paid. They tried to tell me that they don't remove accounts until the 7 years are up, however, I have testimonials that they do remove especially if the account was paid. They didn't give me any other reason as to why it couldn't be removed. I have sent numerous letters since I paid the account in full and they resend letters without description of why and no verification as to why it should stay on my credit file
Product: Credit reporting or other personal consumer reports

Create reporting agency, providing reports with a large number of inaccuracies.
Product: Credit card or prepaid card

I went into my CareCredit account to pay off my bill, through Synchrony Bank. They took {$1400.00} twice. I immediately contacted them on XXXX and they said they will just hold the second {$1400.00} as credit. I said absolutely not. I am requesting immediate refund of that money. After a lengthy call, they claimed they could not refund me for 10-15 business days. Despite my objection, they claimed that was all they could do. I called today and they claim they are still working on it and it will be another 10-15 days. 
Absolutely unacceptable. What can I do? Thats a lot of money.
Product: Student loan

Sallie Mae has been providing misleading advertisements about scholarships through their scholarship programs and platforms such as XXXX and XXXX. Sallie Mae has not made students aware of scholarship displacement, a practice that postsecondary institutions use to force students who have received outside scholarships into additional student loan debt or make them drop out of college. Sallie Mae has known about the practice for years and continues to mislead students, knowing that the students will become victims of scholarship displacement. Sallie Mae uses their scholarship platforms, XXXX and XXXX, to force students to get their loans once they become victims of scholarship displacement. Sallie Mae must be investigated for their misleading and predatory advertisements and practices. I have added new information to this complaint with a screenshot of how Sallie Mae uses their scholarship businesses to steer students into getting their loans.
Product: Credit card

We have not used our CareCredit for a year. We are on auto pay for the minimum payment every month. Care Credit has been putting us over our credit limit with these charges every month. I have corrected the insurance part. The other charges are interest charges that we have been over charged on.
Product: Debt collection

The CSA/XXXX XXXX debt of {$190.00} has been paid. The debt still shows as unpaid and is being reported to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that 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. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXXXXXX Balance : {$6800.00} ; XXXXXXXX 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: Debt collection

ATG Credit has violated 15 USC 1692 by continuing collection after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Product: Debt collection

On XX/XX/2018, I acquired through a company called XXXX XXXX XXXX XXXX 3 items for my house, a water filter, a water shower and an air filter ; I signed a contract with them that said I have 3 days to return the items. 

My bank information was given to them and I authorized them to proceed with automatic debits for the payment of these items. 

The problem is that within the 3 days of the contract, I didn't have any problems, but about a week later, the water that came out of the filter, had a bad tasting and smelling water. I called the company and they said I have to change the filter. I told them the filter is supposed to be brand new, I shouldn't have to change the filter yet. They told me to contact the manager but he was not present at the moment. 

With that experience, I didn't want to open the box that contained the second item, the air filter. I got a distrust feeling regarding this Company. 

I emailed the company, explaining to them my problem with the water filter and offering to return the items because I didn't want to keep paying a big amount of money for low quality items. They told me they can ' t take the items back and kept sending me the bill with the accrued interests. 

Now, my credit is affected due to this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I called Experian trying to resolve some of my accounts to be exact two XXXX XXXX XXXX accounts and XXXX XXXX. I sent my letters on XX/XX/21 and there still isnt an update and I stated in the letters that if they arent completed in 30 to remove them. Today is XX/XX/21 I in fact gave them more than thirty days. I called today to get those 3 accounts off and I spoke with XXXX who was very nicely rude, I couldnt finish a sentence she kept talking over me her customer service sucked. I told her that I was going to report her to the cfpb and asked for her name and she replied XXXX I asked what her last name was and she said she couldnt give it to me so I asked her how would they be able to identify her, is she the only XXXX that works for Experian and she replied yes. I didnt call to argue just wanted to get my file updated. So I asked to speak with a supervisor or someone else. She insured me that I would speak to the supervisor then came back on the line asking did I still want to speak to the supervisor as though I just didnt ask. She then put me on mute for about 15-30. I honestly dont know what happened but I didnt speak to anyone after I got off the phone with her. Im trying to buy a house and this is a very big inconvenience because these things were supposed to be off my credit on the third and now I have to wait for Monday to call and get this situated. I also recorded it because I knew she wasnt trying to help and Im sure you guys have a recording of it as well.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR ACT CREDIT REPORTING ACT XXXX ACCOUNT # XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I received a letter from Citibank for a XXXX XXXX card that was addressed to the Estate of my name. I am not XXXX and by the XXXX XXXX XXXXXXXX hope not to meet my maker for a while. This is XXXX and wreaks of fraud or incompetence. 

I called Citibank and XXXX XXXX to no avail as they said Citibank sent the information to them ( XXXX XXXX ) which is a agency set up to collect from an estate on XXXX. They pointed me back to Citibank. 

WHEN REVIEWING CARD IT IS UNDER XXXX which is part of my hypen nated name I called and spoke to XXXX badge number XXXX. She has no idea where or why this was sent nor where it was generated from. Thus, I don't believe this to be true as it has to have originated somewhere for some reason. This is fraudulent and deceptive behavior and needs to stop with a full explanation of how this happened. The card was open and paid on and the only thing that did happen was a decrease of {$100.00} in limit from their end. I want this corrected with an explanation and an apology and off the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Home Imp Loan Payment summary 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 CO PAYMENT HISTORY LEGEND Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXX 258 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 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 results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried using eqifax online and there are questions you absolutely have to complete. I check none of the above on all of them, however they say im wrong. There isnt anything on my credit report other than medical bills and if there is its not from me. I called the company and they said I was lying and demanded I send in by mail a copy of my social and drivers liscense. Thats probably one of the most unsafe things for identity there is. I cant access my account.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I opened a Health Savings Account at BB & T ( now truist ) a couple years ago and have had a deposit into the account every two weeks. On XX/XX/21 the bank closed my account and turned the funds over to the XXXX XXXX They never sent me any notice and there were no messages in my online banking. When I called them they said it was a dormant account, I asked them how it was dormant when I had deposited money every two weeks for years, they said that since I hadn't made a withdrawal they closed it. I thought the point of a health savings account was to save money and then if you have a health problem you have money set aside to pay for it. They said I had to go through the state to reclaim my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX # XXXX ... 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have disputed on my credit bureau. I do not owe them money they are claiming {$XXXX} dollars I owe
Product: Credit card or prepaid card

Ive been a customer for a while now When I called to see about lowering my interest rate on my accounts, Im treated, so Im trying to steal money from the bank. Or the monies coming out of the agents pocket. I have good credit. Ive been an excellent customer. Youve made plenty of money off me over the years. I dont understand why banks have to be so greedy you make billions and profit but the average guy whos just trying to get by I easily work 50 hours a week I take care of my kids. I always pay all of my bills on time but I dont understand why the bank cant just cut me a little slack here. Inflation is out of control and thats not your fault but its made everything so much more expensive, and when I call and I asked to see if you can lower the interest rate even if you lowered it just temporarily, that would be a help. Please explain to me why you have to be so greedy, and so unwilling to help the every day guy out here just trying to get by, why cant you lower my interest-rate? I mean is it really going to affect your bottom line that much youre still going to make billions and profit have some compassion put yourself in my shoes. 

I am not asking you to reduce my balance in any way Im not asking to skip any payments. I will pay my bills like I always do but the interest at the level it is is making it virtually impossible to pay off this credit card. Does the bank have to be so greedy? Cant you have just a little bit of compassion Even if you just lowered it temporarily even safe for a few months six months or even a year that would be a huge help. Id be better if you could lower it permanently but Ill be happy if I could just get a lower interest rate for a few months anything to help please have some compassion. Thank you for your time and consideration. God bless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well how can I explain this scenario of change of identity through XXXX XXXX University, I started going to school in XXXX of XXXX after completing the five years I have come to find out that there was a change in my identity in the year of XXXX can remember when the school reached out to me in the year of XXXX  about enrolling, that it would help me with my career, which it has not help me at all and I am stuck with {$140000.00} XXXX student loans .Recently there has been a class action lawsuit against the school that has defrauded consumers going to a for profit school.I have ask for a discharge from all of my students loans because the change of identity the enrollment form with my hand written SSN on top of the enrollment form and the student ID on top of the enrollment form is not the student ID number which was used at XXXX XXXX XXXXReason I am fighting this is because its on my credit report, which I want it removed because the change of identity in the year of XXXX, This has been a 21 years process where my identity was changed on a job and has followed me all these years., My identity was changed while attending the school which is not legal because I did not change my identity never while attending XXXX XXXX University from the years of XX/XX/2009 until XXXX XXXX. I am also filing this because the fraudulent change of identity .The class action lawsuit is schedule for a hearing on XXXX XXXX have been living in this nightmare since XXXX XXXX with the change in identity which I was not solely responsible for the change in my identity. in the year of XXXX have no ideal who handwriting it is on top of the enrollment form for XXXX, plus I received a document that I have no Pell grants or student loans, so who is behind all of this change in my identity I have no clue which has puzzle me since 21 years ruining my character and reputation which has been a painful experience which has my life at a stand still for the past 21 years which can not use my SSN for nothing since al this has occurred sine XXXX XXXX. I filed for discharge or loan forgiveness after learning of the for profit school behavior in changing my identity last year under XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/year> SS : XXXX I am submitting this complaint to the CFPB to request, per FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, TransUnion, block information from my credit report related to identity theft and fraud within four business days of receiving this notice. The inaccurate and fraudulent information includes : XXXX Account Number : XXXX Balance : {$17000.00} XXXX XXXX Account Number : XXXX Balance : {$390.00} XXXX XXXX  Balance : {$310.00} Account Number : XXXX  These accounts have resulted in multiple hard inquiries and fraudulent collections on my FICO credit report. I do not recognize any of these accounts, collections, or hard inquiries, as they were not opened, created, or authorized by me and are a direct consequence of identity theft and fraud. This situation violates consumer protection laws, including the Fair Credit Reporting Act. As required by FCRA Section 605B, you must block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX, confirming that these accounts, collections, and inquiries are directly related to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Product: Mortgage

From XX/XX/2017 to present, 4 additional months of payments were made on mortgage account. Ocwen didnt update my account for these additional payments. PHH Mortgage is now servicing and investigating but Ocwen should be help responsible for not maintaining customer account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was breached and is in a autosystem that runs credit and several credit card and hard inquries was made without my acknowledgement, XXXXXXXX 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: Mortgage

I put in a modification at Wachovia which they approved. In that process Wells Fargo bought them out and would not honor it. And even though Wachovia said I had to be 3 payments behind to process it, Wells Fargo said I was in default. I was on time with all my payments up till that point. They foreclosed on me anyway. It was my first house in my name. It was my home!
Product: Credit card

I received a replacement credit card with a different account number and a first billing cycle of XX/XX/XXXX to XX/XX/XXXX. A XXXX entry shows a balance of XXXX transferred from the previous card. This balance was the result of a previous balance transfer to the old card at a promotional interest rate of 0 %. There were no purchases included. Wells Fargo created a fictitious purchase balance of {$1000.00} and charged {$18.00} interest on that statement. This was followed by unauthorized and unallowable interest charges of interest charges of {$19.00}, {$18.00}, {$19.00}, and {$18.00} for the XXXX, XXXX, XXXX, and XXXX cycles. I discovered this total of {$94.00} when I paid off the full balance on XX/XX/XXXX just prior to the expiration of the promotional rate. Then I saw the {$18.00} interest charge on the next statement. I looked back and found the overcharges had started in XXXX. On XX/XX/XXXX, I was told that I will receive a credit within XXXX to XXXX business days. 

Wells Fargo has a well deserved reputation for theft from clients. Until this incident, I was not aware that Wells Fargo had ever stolen from me. Clearly, Wells Fargo lacks internal controls necessary to prevent such unauthorized and unallowable charges. 

On XX/XX/XXXX neither XXXX of XXXX different Wells Fargo employees I spoke to on the phone could tell me what government agency regulates credit cards issued by XXXX  banks. This is why I answered above that Wells Fargo didn't provide me with the information I requested. There is nothing on their statements that says what agency regulates them.