23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a credit card at XXXX 's ( Comenity ). I closed the card in less that a month on XXXX because I didn't receive a bill, and when I did it had late fees on it. ( XXXX scam ). I paid the bill in full on XXXX ( without disputing the late fee ) and I closed my account in the same phone call. there was no mention of any other charges, future charges, and I was told my account was paid in full and closed. I had no reason to think any more about this card/account. I have now received a new bill from XXXX ( Comenity ) that states I have a XXXX balance and I owe {$3.00} in a minimum interest charge. I called and asked how do I get a {$3.00} charge on a closed account? The lady said " ... That is an interest charge. '' She went on to say I have to pay a bill 2 months in a row before there are no more charges. What? on a XXXX balance!!!? I asked her where I could ind that in writing and she could not tell me where it is written. So, After I closed my account, and After it was completely paid in full, they have charged me {$3.00}. ( XXXX scam ) They appear to be scamming me for a late fee, and now an interest fee on a XXXX balance. Please assist. Thank you in advance.
Product: Credit reporting or other personal consumer reports

My information was leaked several months ago, and I've had credit card applications submitted that are not from me. I've been working on my credit and have applied for credit-building programsnone of which involve any of these companies. I have submitted for this before, and it's affecting my credit significantly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BK of AMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 5th 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 alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX I looked at my credit report on a free website. I noticed my score had fallen a bit and I was curious as to why. I accessed my credit report through the annual free website. I then saw a collection had been added to my credit report on XX/XX/XXXX by Debt Recovery Solutions. It detailed that the original creditor was XXXX XXXX. I then sent a letter to Debt Recovery Solutions to advise them that XXXX XXXX had been paid in full in XX/XX/XXXX. Along with the letter I included a copy of a paid in full letter that I received when back in XX/XX/XXXX. I have not received any correspondence from Debt Recovery Solitions and there has been no update to my credit reports. The collection is still being reported and it is being reported as unpaid. This collection was not previously on my credit report at any time. Payment was made directly to XXXX XXXX XXXX, the first collection agency, and the account was paid in full without any negotiation and it was paid prior to ever having being reported to any of the 3 credit bureaus. Debt Recovery Solutions has not corrected this error and it is still being report to the major bureaus.
Product: Mortgage

SLS has not provide me with statements or online access to my account information thus no printable info. I have faxed request # XXXX on XXXX XXXX XXXX for current information on all, that includes tax, insurance and the disbursement of my payments ( some of which I paid over the amount ) the principal, and the disbursement of the funds from the hardest hit recast loan. Fax # XXXX this morning. I called last month to ask what my payment was taxes and insurance had been included but, I had received a tax bill a couple of weeks ago which I never had before. I called and I have to go through multiple departments to get answers. I filed bankruptcy XXXX/XXXX/XXXX at that time they were not to contact me thus I could n't access my account. My bankruptcy was XXXX XXXX/XXXX/XXXX. So why ca n't I get a statement, online access of printable info. How was my money disbursed has yet to be answered. I received documents that were unacceptable and incomplete not providing the information I requested. I also received a letter from SLS last week stating it would take a month to get this request processed. 
Today I received an email from the insurance company they will be taking payments out of my account. I get 1 week notice on the change? I ca n't access my account online thus I can not print anything directly from them I have to do a screen copy, why? My computer is not the issue. 
I have made inquiries by phone and my XXXX request by fax this am. I am disable and I need to know where my limited income has to go, not last minute. I will be calling them along with the fax to find out my payment due for XXXX. I 'm KEEPING my HOME all I want is fair, complete, and accurate information regarding my mortgage. I was fortunate to get the assistance from the fund only to be blindsided by the mortgage holder. I have had too many of them but this is the worst to date. 
Please help me resolve this matter t keeps me up at night. 


Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
2 Validate Account XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

4. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple inquries on my credit report with all XXXX bureaus ( XXXX, Transunion & XXXX ) that I did n't recognize. I sent each bureau a letter in writing advising I did n't authorize the inquries. I also noticed that on XXXX alerted me that my personal info was sold on some black marker website. I need all of those inquiries on my report removed. The only inquries that I authorized were my mortgage from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into inaccuracies I have discovered in my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 
Upon reviewing my credit report from Experian, I noticed the following inaccuracies associated with my accounts : XXXX. XXXX XXXX I believe these inaccuracies may negatively impact my creditworthiness, and I would like to ensure that my credit report reflects accurate and up-to-date information. Under the FCRA, I am entitled to an investigation of these discrepancies, and I kindly request that you provide me with a written response regarding the findings of your investigation within the timeframe mandated by law.

Additionally, I would like to remind you of your obligations under 15 U.S.C. 1681s-2, which requires furnishers of information to provide accurate information to credit reporting agencies. If any information is found to be incorrect, I request that it be Removed from my credit report promptly.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, Please consider this complaint as a formal request to investigate and correct the following inaccurate account, Mercedes-Benz Financial Services reported on my credit report issued by XXXX, XXXX, and XXXX. This item must be removed in order to show my true and accurate credit history. I make this request pursuant to 15 U.S. Code 1681 of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that Consumer Financial Protection Bureau investigates inaccurate account from my record. Additionally, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S. Code 16811 ), I am exercising my rights to challenge questionable reported balances and dates that are reported on my personal credit report by Mercedes-Benz Financial Services . I do not recognize the information that is reported by this company on a monthly basis and request that Consumer Financial Protection Bureau investigate the source of this account and ascertain that the creditor had a permissible purpose to report inaccurate information on a monthly basis. This account closed on XX/XX/XXXX with a XXXX balance as stated on Lease End Statement by Mercedes-Benz Financial Services .

Account Information : Name : MERCEDES-BENZ FINANCIAL SERVICES Account Number : XXXX Account Type : Auto Lease Reported Balance : {$6000.00} Under the Fair Credit Reporting Act, Consumer Financial Protection Bureau has XXXX 30 ) calendar days from the receipt of this letter to re-verify this information. According to this law, failure to re-verify these items within thirty calendar days constitutes a reason to remove the information from my credit report. 

XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Chrysler Capital has charged me triple the amount of interest. They have charged me about {$15000.00} interest so far and I still have 36 months on my loan. This was a 72-month loan for the amount of XXXX. I still owe about {$19000.00} on this loan.
Product: Student loan

This is a continuation of my most recent complaint I just made this evening as well as Responding to XXXX Letters in regards to my last complaint. 

Now please mind you it's been two years since I last had a complaint. Things were going well, and I was just making my payments. 

XXXX can not leave well enough alone and has to find a way to put a wrench into the gear and create problems. Funny how they have to use a forbearance ploy to up my interest which is another lie, as I was told by their reps that only once a year in XXXX was I to see any increase. 

The plan once again, that I am under is a XXXX XXXX XXXX plan. NOT an extended level plan they speak of. 

Fixed means fixed that is the standard banking term, period. 

I would also like to address my " vulgar and abusive language. '' First of all, I do not work for your company, therefore my behavior can not be construed as " unprofessional, '' Second of all, your employee XXXX # XXXX blatantly lied to my face and said the Department of Education placed my account in Forbearance because I live in a " Disaster Zone. '' Really? And what disaster zone would that be?? 

She could not tell me. 

Your reps with their lies, your ploys to increase monthly payments, toy with those under your thumb, lead to anger and hostility because one can not believe the pile of XXXX that comes out of your representatives mouths. So to the Director of Loan Operations. 

Please cease and desist with your utter lies, and extremely Decitful UNPROFESSIONAL BEHAVIOR and perhaps people and myself would actually have more respect!!! 

You have placed me under such mental anguish that once I receive a letter from you it automatically sends me into a mental tailspin. I am surprised I have not yet had a XXXX XXXX and if I ever do, you will be the cause. 

You treat me with respect then the same will be reciprocated. Otherwise back off. You understand. 

You make any changes to my account without my consent and I will be on you like flypaper. And if you think I am one inkling afraid of you. Guess again.
Product: Debt collection

I recently filed a dispute with XXXX XXXX XXXX, where they claimed that I owe on account # XXXX. The issue the company has caused has been drastic towards my credit. I am requesting that they removed the collection of my credit if they can not show verifiable Proof ( an original Consumer Contract with my Signature on it ) that I owe the amount they claimed. The unverified items listed remain on my credit report in violation of Federal Law. XXXX XXXX  XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct.
Product: Student loan

I have over 127 eligible payments making me eligible for forgiveness MOHELA put me on deferment even though I didnt ask for it and did not give credit for at least 4 months. 

Submitted PSLF applications and counts do not get updated whether they are submitted online straight to MOHELA, emailed or scanned or student aid.gov When I call in it takes over two hours to speak to a MOHELA agent. 

Response times are very slow. They usually take weeks just to send you a message to let you know that they are so behind that it will probably take even longer than usual due to the high call volume. So it can take over a month or two before getting a reply.
Product: Debt collection

XXXX called initially called my Work Cellphone without my consent back in XXXX or XXXX of 2015. 
The company called using a XXXX number. 
I noticed I had previously received calls from this number for a week or so. 
I decided to answer this time thinking maybe it is a potential Customer calling and hanging up. 
When I answered this person very friendly and did not identify who she was until a little further into the conversation. 
After I had given her my Bank Account information so they could take money monthly our of my personal checking account did I realize she was from XXXX. 
I closed that checking account and opened a new one. 
I have received one letter from them complaining about my checkingaccount not having funds and no phone calls I am aware of Lots of negative activity on my credit report at the XXXX Fraud site I belong to. 
Is there anything else they can do to me because I closed that checking account? 
They are hassling one of my relatives right now so, I am a bit concerned if they would have a leg to stand on in Small Claims Court. I feel that this Agent misrepresented herself and never gave this company permission to call my work cell phone before. 
Thank you XXXX XXXX I bet they paid nothing for these XXXX accounts which equal under {$2500.00} together and would be a lot less if they did not add XXXX of dollars in latefees
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is about both incorrect personal information, and missing credit cards from my Equifax credit reports. 

In XXXX, I had a legal name change and opened several credit card accounts under my new legal name since then. The credit bureau Equifax failed to include my new name or add new accounts to my credit reports and scores. Equifax never made things easier to dispute such errors, and never saw the full picture of the errors, continuously confusing me for more than two years. 

Since XX/XX/XXXX, Ive notified Equifax multiple times, of the correct name and accounts online, by phone, by fax, and by mail recently but Equifax still assumed the information was correct and insisted on not correcting any error. Ridiculously, a department of Equifax located at XXXX XXXX XXXX, XXXX GA even replied can not identify with my current legal name and address. Another response letter of dispute from XXXX XXXX XXXX addressed me using my previous name rudely without correcting any mistake. Whats worse, as I am using paid Equifax credit monitor service ( $ XXXX ), I want to test how credit lock works, but its not working - the XXXXXXXX XXXX was still able to penetrate the Equifax credit lock and left an inquiry on the locked credit profile. 

Thats likely a violation of FCRA by disclosing misinformation to the creditors and failing to provide the paid service as advertised. I would never tolerate such violations, or the way that Equifax spent much time working but in vain without resolving the issues. Why does Equifax have so many departments located at different XXXX XXXX XXXX but never sync up with the correct information?
Product: Credit reporting

The addresses is reporting incorrectly on my report.I have no knowledge of any of the addresses other than my current residence.89 XXXX XXXX XXXX ct XXXX this has been my address for 10 years.
Product: Debt collection

Balance {$700.00}. Date opened XX/XX/year> SECURITYCRED I request that you investigate this matter, verify the accuracy of the information, and provide me with documentation to support its inclusion in my credit report. If you can not verify the information, I request that it be removed or corrected as required under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   : XXXX. There are also a number of inquiries on my credit that I did not approve : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are several XXXX however I did authorize only 1  XXXX inquiry.
Product: Money transfer, virtual currency, or money service

*I am able to prove identity with my state identification and a selfie video, birth certificate and social security instruments as well as same phone number I have on file with them* Hello, I registered an account with Coinbase in XXXX of 2020. 

Email XXXX phone number ( XXXX ) XXXX XXXX enabled from XX/XX/XXXXdevice where phone number was assigned to Mid XXXX I deposited {$500.00} into a Bitcoin atm in XX/XX/XXXXMichigan to my Coinbase Bitcoin wallet address. 

In XXXX my girlfriend and I split up and she stole my device and hacked everything that I used to register with my account. 

I have no access to anything I created my Coinbase account with, nor the device itself. 



I made contact with support team in XXXX through a different email I no longer have access to. 

Coinbase wanted me to send a selfie video from the device 's IP address.I explained in XXXX the problem from a different email was that my device is stolen so I don't have the same devices IP address, only the phone number. I made the complaint about that and never herd anything back. 

I have made one last attempt to email them from ( XXXX ) in an attempt to gain access to my trust account. 

Please, please help resolve this issue for me. Please I really need my money right now more than anyone. 

Thank you, XXXX XXXX XXXX *I am able to prove identity with my state identification and a selfie video, birth certificate and social security instruments as well as same phone number that I have on file with them*
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, and I have the rights under 15 USC. 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous of. times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX G XX/XX/2022, XXXX XX/XX/2022, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

Car was returned to dealership in XXXX  months after purchased because the car was no longer running. Never appeared on my credit till out of no where in XXXX  started reporting to my credit. Disputed multiple times. The amounts and dates are also wrong.
Product: Credit reporting

I have hard inquiries for a car in late XX/XX/2014 I should not have any inquiries concerning a car in late XX/XX/2014. I purchased a car in XX/XX/2014. I am not sure where they came from and previously sent to Equifax XXXX to have those hard inquiries removed with no success.