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

on XX/XX/XXXX capital one decided to close two of my store credit card accounts for reasons that are invalid. I received notice of my account closures on XX/XX/XXXX via usps mail and was advised that they were closed for some type of " security risk '' these accounts had both been opened for almost or right at a year. I called the review team # on the capital one letters to inquire about this decision hoping it was just a mistake. I called and was advised that they could not tell me exactly why my accounts were being closed and that it was either for 1. Late payments or 2XXXX returned payments, when i advised the reps that i have not ever had either on these accounts nor any of my other credit accounts i was advised that they could not help me then because the review departments make the decisions and since they are a back office team there is nothing they can do to assist. I also inquired about what would be displayed on my credit report and was again advised by a rep named " XXXX '' that he didn't know and wasn't sure if it was going to be a negative remark or not, XXXX also advised me that i could not speak with his supervisor because he didn't know either. I feel that capital one is either discriminating against me or they fraudulently closed my accounts which all have perfect payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I just received the results from my dispute with XXXX   credit reporting agency. I disputed XXXX XXXX XXXX account that shows as derogatory. The results were the bank said its accurate. I received a letter from XXXX XXXX XXXX stating it will be deleted off my credit report. I uploaded the letter to XXXX as well to show prof the bank agreed to remove it but never did what they said they would do. I am uploading the letter here as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical bill for {$820.00} from XXXX was sold and added to credit report in XX/XX/XXXX. This decreased my credit score the score by XXXX points. A legal decision to remove Medical bills from credit reports was released XXXX  days ago, XXXX. Why was this bill over XXXX old added to my credit report and significantly decreased the score?
Product: Debt collection

I am aware that according to article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with SOURCE RECEIVABLES MNG and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/year> I have not received any documentary evidence such as a trilateral contract giving SOURCE RECEIVABLES MNG any right to collect on this alleged debt. I have never received any documentation requesting validation from SOURCE RECEIVABLES MNG before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking. If SOURCE RECEIVABLES MNG can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until SOURCE RECEIVABLES MNG can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SOURCE RECEIVABLES MNG continues its collection efforts, I will file for litigation for actual damages caused and SOURCE RECEIVABLES MNG will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX , XXXX, TransUnion ) and the Creditors ( XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX XXXX  XXXX , XXXXXXXX XXXX XXXXXXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian, for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to assure Experian, complies with Federal Law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : XXXX XXXX  XXXX Acct # XXXX As per report Not more than two payments past due. No specific dates provided. 
XXXX XXXX XXXX 30 Days Late XX/XX/XXXX ; 60 Days Late XX/XX/XXXX XXXXXXXX XXXX : As per report : At least 120 days or more than XXXX payments past due. No specific dates provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Even previous addresses showing in my Experian Reports are incorrect as I have never lived in : XXXX XXXX XXXX, XXXX, WI XXXX - XX/XX/XXXX nor XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX - XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I just received an add in the mail from Discover Bank offering loans at a rate of XXXX percent for terms up to 84 months and monetary amounts up to XXXX dollars. On XX/XX/2018 I applied for a loan from XXXX for XXXX dollars to refinance a current loan. They stated they could not do this because I was paying off a secured loan and they were strictly issuing unsecured loans. A little later I tried to get an unsecured loan for XXXX dollars for a term of 84 months for home improvements.  The rate they came back with was 14.99 percent. When I asked why the rate was so high since I have very good credit they stated it was because it was an unsecured loan ( the only type they were giving out ). They said the best rate they could get me on that amount of money was 10.99 percent for 36 months. 


The problem with this is all the advertising they have is for rates of 6.99 percent for terms of up to 84 months and monetary amounts up to XXXX dollars. There is acutually a chart showing this breakdown on one of the main pages. I want to know who actually qualifies for rates and terms anywhere near these advertised rates?
Product: Student loan

My loan is serviced through Navient. To my understanding, you are in the middle of a lawsuit with them and I completely agree with all of the grievances that you 've made. If there is any way I can provide information about this case, please let me know. 

The first issue I have is that Navient deliberately postponed my loan payment without me knowing the ramifications. Although I asked them to do this in order to process my Income Based Repayment Plan ( IBR ), I was not aware that I just used the only time I could pause my loan payments without gaining interest. It felt very deceptive. 

They did n't even ask if that was okay to pause my payments, they just did it and told me that I would start paying after my IBR plan was processed. If I was aware that pausing would use my only chance to do this without accruing interest, I would not have had them pause my payments. All in all, it felt that they were just trying to get me to use up my one time to pause in order for them to make money on interest if I paused in the future. 

I also received notifications about my loans to an outdated email address that I had changed and confirmed with them before. So Navient sent me information about my IBR plan to an old email address that I had changed with them over the phone, so I did n't receive it. 

All of this is just frustrating because they make it seem like it 's easy for me to manage my payments ; however, I feel deceived and wronged at every turn. I just want clarity - and when they deliberately use my penalty-free payment pause without my permission and send notifications to an old email address that I knew I changed, it feels deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified both Experian and XXXX that there is an incorrect late payment for XX/XX/2018 for my mortgage with XXXX with both credit reporting agencies. Both credit reporting agencies told me the information could not be changed because XXXX would not correct the information. I notified XXXX and was sent a letter from them verifying that I was NOT late for XX/XX/2018. I would like both my XXXX and my Experian reports be updated to display the correct information on my credit reports immediately. In addition, since my scores on both reports dropped considerably because of this late notation, I would like to be rescored to reflect the updated information.
Product: Checking or savings account

They suspended my account won't give me a reason why and won't release the funds in my account even after I have sent them a copy of my ID as requested
Product: Student loan

I recieved a loan for XXXX education to do personal trainng which I finished and passed the test. Everywhere I have gone no gym has heard of them and will not even accept me as an intern. They say they are not accredited. I feel like I was ripped off and am very dissapointed in the way they got me to agree to the loan.
Product: Debt collection

This medical bill was sent to a third party collection agency without my permission or signed consent to share peronal information.The collection agency is ACCOUNT RESOLUTION SERVI. The original creditor was XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Florida XXXX Asset Care LLC original creditor XXXX XXXX  Account number XXXX amount {$120.00}. 
This was taken off my account over a year ago now it is back on my account this should have been taken care of by Medicare with my insurance it was a XXXX XXXX in XXXX which was free
Product: Debt collection

The issue id from a year ago and the company is trying to bill me for charges that are not valid I was quote one price over the phone and when I return the car they bill me for a higher amount in which I did not agree to. They also bill me for charges for gas in which I fill the tank according to what was stated in the agreement. I then spoke to a manger and they stated they were going to take off the charges. Now on X/XX/17 I receive a notice from a debt collection agency stating that I owe a balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The names of creditors and account numbers involved in the theft ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Transunion is are forcing me to jump through hurdles regarding getting Identity theft entries removed from my credit files! 

I have produced all the proper documentation and files the appropriate reports with the FTC, and the XXXX XXXX XXXX Sheriffs Department, our local law enforcement division. 

Transunion are violating my rights and harming me everyday by not following the law. 

Please assign an investigation into the violations of both. Per laws : All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Product: Student loan

I have contacted Navient on XX/XX/XXXX and spoke with 3 representatives - one was a supervisor. I noticed that my overpayments were not being applied to principal but only a credit towards the next months payment. I read Navients repayment allocation statement which said that they will apply overpayments to next months paymnet unless otherwise instructed. I called to instruct them otherwise. All 3 representatives assured me my payment was being applied to principal and that it 's a " computer glitch '' that shows a reduced payment. I then read them their own company 's statement with payment allocations. They still said the same thing. None of them could or would help to get my overpayments applied to the principal and not a credit towards next months payment. The supervisor told me the only way to avoid this problem is to enroll in auto debit and make another payment the same exact day they auto debit my account. I do not want to enroll in their auto debit. I 've asked to have my overpayments applied to the principal and they have refused to do so. Not one of them could explain to me how an overpayment could be applied to principal and reduce my monthly payment and none understood their company 's statement of how payments are applied. Navient is preventing customers from paying off their loans early.
Product: Debt collection

This company stated that I owed money over a debt from Check N Go which was not true. I naively settled with them for XXXX with a payment arrangement of XXXX every XXXX weeks from my debit card. I have called them at XXXX with no way of leaving a voicemail message. The telephone number they left on my voicemail was XXXX and when dialed, just hangs up. I believe I have been scammed and would like resolve and money back. They left a threatening voicemail message that I needed to call them back or hire legal representation if I didn't call them back. They threatened forwarding my information to the local county processor 's office
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some inquires popup on my credit report that I did not approve of, they do n't belong to me I ever authorized them. I already contacted them and they said that they have no way of removing it off my report. I already placed a credit fraud on my credit files.      XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX     XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX     XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX    XXXX   XXXX   XXXX    XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX .       XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  experian   XXXX   XXXX     XXXX   XXXX  ,  XXXX  experian  XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian   XXXX   XXXX    XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX  NA  XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  experian  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  experian
Product: Credit reporting or other personal consumer reports

XXXX XXXX in XXXX did not complete the paper work the day or even month it was signed to close the account w the vehicle. XXXX months later i have a XXXX day late payment out of nowhere. Nobody proceeded to call me the first XXXX  days. I had to see this on my credit report myself to know this was happening. The papers were signed XX/XX/year> and werent put into the system until late XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked at my Credit Report and Regionsl Finance is reporting on Credit Report for a total of XXXX. This account is old
Product: Mortgage

Quicken Loans did not calculate our escrow correctly with our new home resulting in having to pay an unreasonable amount of money. After living in our home for the first year, QL sent us a check because we overpaid escrow. I called QL, and they assured me that it was my money to deposit into my bank account and do with what I pleased. Since the new escrow calculation, the amount the check was for is the amount I owe in escrow. They did not calculate our home with the land the last year which caused us to have to pay an unreasonable amount of money.