23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act. XXXX, Equifax, and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

All of these negative items are not correct and do not belong on my report. 
The items are. XXXX XXXX XXXX XXXX date XX/XX/XXXX *incorrect amount paid off* XXXX XXXX XXXX  XXXX open datXXXX XX/XX/XXXX *Not mines* XXXX XXXX  open date XX/XX/XXXX * Not mines* XXXX XXXX XXXX open date XX/XX/XXXX * Not mines* XXXX open date XX/XX/XXXX *Not mines* XXXX XXXX open date XX/XX/XXXX * Incorrect amount* XXXX XXXX XXXXXXXX open date XX/XX/XXXX *Not mines* XXXX open date XX/XX/XXXX *Never applied XXXX
Product: Credit reporting or other personal consumer reports

THESE ARE DUPLICATE PLEASE DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I DID NOT AUTHORIZE THE INQUIRIES LIST ABOVE
Product: Student loan

I was provided a private loan through my school. I have been making full payments consistently since my deferment/forbearance period ended ( some time around 2013 ). Eight months ago, I began making higher than the full payment in order to pay down principal faster. I called at the time I began making payments to confirm that the additional payment would be applied to principal. Because the statements I receive by mail do not describe how my payments are applied ( it just states that a payment was received and how much that payment was ), I have just realized that I have been merely paying future interest off rather than paying off my principal. This is predatory lending in my opinion. 

I have called the XXXX, but have not received a response to date. I can only imagine how many of my colleagues are still being preyed on by this loan repayment program.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

A few months a dispute was place on inaccurate information stating I was XXXX  days late and it was corrected that I was not late but the status still reflects that its in a Dispute Status/ Reinvestigation in Progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXXXXXX
Product: Credit card

On XXXX/XXXX/2016 at approximately XXXX, I called XXXX to inquire about an Amex Everyday Credit Card offer I received in the mail. I spoke with a woman named XXXX XXXX and explained that my only interest in applying is so that I can consolidate some debit form another credit card I already had. I stated that if the credit limit was n't high enough for my balance transfer needs, I would be declining the offer. 

At the end of the phone call, XXXX said I had qualified for a {$2000.00} credit limit and I told I would like to decline at this time because the limit was n't sufficient to help with my consolidation. XXXX said I would receive some information in the mail, and if the card came, to just " ignore '' it and nothing would happen. 

By XXXX/XXXX/2016, I started receiving letters with my new PIN and also a letter stating that my balance transfer was n't approved. I later also received my physical card in the mail.
Product: Credit reporting or other personal consumer reports

I am formally submitting a complaint regarding fraudulent activity on my credit report. After conducting research on how to remove these fraudulent items, I learned that I need to visit the Federal Trade Commission website at XXXX XXXX XXXX  to file an identity theft report. According to FCRA Section 605B, XXXX XXXX XXXX are required to remove any items listed on an identity theft report. My reference number is XXXX. Attached to this complaint, you will find the necessary documents to assist in removing the erroneous personal information and inquiries that have been posted to my report. Below is a list of items that were opened without my permission : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX CT XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CT XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX CT XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As per FCRA Section 605B ( a ), credit reporting agencies are required to remove any items in a consumer 's file that are identified as resulting from identity theft within four business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 all of my student loan accounts reported by FedLoan Servicing were incorrectly reported as XXXX days late and continue to be reported as XXXX days late on all of my credit reports. These accounts were paid in full after being one month late due to paperwork issues and continue to be in good standing. I have called FedLoan Servicing to try to resolve the issue and they have told me that I paid the late amount after one month and that it should not affect my credit score.
Product: Credit card or prepaid card

In late 2021, I called Bank of America to request a reduced APR for my credit card. The person, male, who answered the phone advised me that if I opened a new credit card ( i.e. a second credit card ), if I did that, that I could take advantage of their 0 % interest transfer and be able to transfer the entire amount that was currently on my Allegiant Credit Card to the new Credit Card and have 0 % financing for 18 months. I agreed based on this information. 

The truth is that this was not an accurate statement. So, my credit was dinged by Bank of America for opening a new card. I complained several times to the company. Bank of America offered to close the account- which I understood would ding my credit again, and they agreed that it would happen if they closed the account. But they never provided anything other than we are sorry and will talk to the employee who did this and said these things. 

This still infuriates me as I relied to my detriment on BOA 's representation that I would be able to have 0 % interest on my balance for 18 months. At no time has this happened. 

This is flat out fraud, and I advised them of this. I even called the fraud line for BOA and the only recourse they had was to close the account, which, again, would hurt my credit score. It did not occur to me until today that I could file a complaint with Consumer Protection. 

I believe this is standard practice for BOA to get as many credit cards out to people as possible. I would like BOA to have consequences for their agent's/employees behavior.
Product: Credit card

XX/XX/2023 - total amount of XXXX dollars, it wasn't me who made those charges and they refuse to give me back my money. They want me to pay this crazy amount that i dont have for purchases i shouldn't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes on XXXX XXXX XXXX XXXX to delete the inaccurate addresses and names that are listed on my credit report. Based on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information reported should be accurate and up to date. I've sent over my ID along with the requested information with the address where I live and the company refuses to delete the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account name : XXXX XXXX XXXX. Account # XXXX, Account name : XXXX XXXX XXXX. Account # XXXX. Account name : XXXX XXXX XXXX XXXX. Account # XXXX. Account name : XXXX XXXX. Account # XXXX. Account name : XXXX XXXX XXXX. Account # XXXX. Account name : Utah XXXX XXXX. Account # XXXX. Account 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 an 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 beleive that the information is inaccurate.
Product: Student loan

Towards the end of XXXX I was discussing the options I had for deferring my student loan payments from Salle Mae, as I am in the process for re-enrolling in school. I was advised that I can take a XXXX month forbearance until my registration was complete and could then defer my payments as a full time student. I thought everything was set up, however I received a notice that my payment was past due in XXXX. I called to confirm that everything was in place and advised it was not, so I attempted to set up the three month forbearance. I was advised that this is a customer service ability but could only be initiated after I made my payment and they could only do a XXXX month deferment. All I want is to be able to do the XXXX month deferment like I originally wanted and for this company to be reviewed for potential lending violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a joint account. I was co-signer on the account. It is listed as an individual account. Due to some late payments, this account appears as a negative account on my report even though the account is now paid in full.
Product: Debt collection

I originally took out the original loan for XXXX, i XXXX  my XXXX  due to XXXX  and they added on an extra XXXX  dollars after i paid them XXXX already. We agreed upon a settlement for XXXX.They took out an extra XXXX dollars for not responding to an email without sending me an statement.
Product: Credit card or prepaid card

On XX/XX/2018, I contacted XXXX XXXX XXXX to obtain an estimated payoff for my current balance of {$530.00}. An estimated payoff would factor in residual finance charges and the " bogus '' {$12.00} monthly maintenance fee charged by XXXX. I chatted with XXXX and then XXXX who both said that they do not provide payoffs. I then left a message for XXXX XXXX ( an exeuctive in the XXXX office at XXXX ), but I have not heard back from him. I then called XXXX 's Customer Service and spoke with a representative who was totally and absolutely clueless. In fact, I think he was in another country. He had no clue about providing a payoff. He tried to refer me to Consumer Credit Counseling but then said that he could not because the account was current. By my calculation, an estimated payoff would be {$560.00}, but I could not pay it online because it is more than the total balance. As such, I paid {$530.00} online to post today, XX/XX/2018. I do not want to receive another bill for any fees or finance charges because I tried ( to no avail ) to payoff this account with residual finance charges today. Yet, XXXX apparently has a practice, perhaps illegally so, of not allowing customers to include finance charges with their final payment. I see this as just another way to continue billing finance charges and fees. This is not fair to the consumer and should be illegal. According to this practice, a consumer would never be able to zero out the account because fees and finance charges would continue. I also want a letter from XXXX stating that my account has been paid off in full. XXXX needs to be investigated for illegal practices -- charging annual fees on closed accounts, billing {$12.00} monthly maintenance fees on closed accounts, and refusing to provide estimated payoffs to factor in residual finance charges. I will be searching for a class action attorney because these illegal and abusive practices must stop.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$1300.00}
Product: Mortgage

This mortgage company has made SO MANY errors in the servicing of my mortgage. I did not choose them - they purchased my mortgage shortly after I closed on my home in XX/XX/XXXX. My escrow account had to be re-analyzed THREE times due to clerical errors. Initial increase in my payment of $ XXXX/month was paid for XXXX & XX/XX/XXXX. I did the homework & sent both , county & city actual taxes due on XX/XX/XXXX. They transposed numbers on one & did not update the other. When all was finally corrected, my actual payment increase was only {$37.00}. In XXXX, insurance renewal time, I asked them to withhold payment of initial premium notice, as I wished to shop & make changes to the policy. After two weeks, I gave them the revised premium & the OK to proceed with payment. They acknowledged receipt of the corrected declarations page. Two weeks later, the payment had still not posted, and I became concerned, as the due date was 2 weeks away. When it was finally released, they paid the INITIAL premium, not the one I asked them to!! I am currently waiting on a refund that will be processed by my insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX XXXX reports on my records because it was a duplicate. There is 2 of the same thing. The XXXX XXXX XXXX XXXX which was opened in 2014, and was a charge off and closed when I had a credit person help me with my credit. She asked me why there was 2 and I didnt know there was until I looked, I explained this in my dispute. The first one said it was a joint account which was not correct information, so Experian updated it and turned it into an account that was updated and now negative, and yet still there was 2 XXXX XXXX XXXX XXXX on there even when I told them the info wasnt correct and that there was 2 accounts, and there should only be 1. So I Tried it again, and I tried to explain to them that there was 2 accounts and that the XXXX XXXX XXXX XXXX was included into a bankruptcy that was dismissed, which the bankruptcy was also on my credit report, so why was there still a duplicate XXXX XXXX XXXX XXXX, as well as the bankruptcy? So I got an answer back, saying updated, but this time, they updated a XXXX  XXXX XXXX credit card, which is not what I asked them to do. And is not what I was disputing. 
So now I have 3 accounts that have new dates of being updated, 2 of them are negative and 44 points that were dropped from credit report. 
This makes no sense to me. 
If an account is closed, why is there a duplicate of it? And if it was put in a bankruptcy why is it on a credit report in addition? And when disputing something, they are not disputing the correct account? 
The disputing agency was Experian.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Money transfer, virtual currency, or money service

United States VA Regional office deposited compensation benefits XXXX to fifth third bank acct. Fifth third bank employee told me verify the amount and refused to acknowledge deposit XXXX XXXX benefits!
Product: Debt collection

I have been having NCB management try to collect a debt that cant be verified and I have told them to stop and they finally did after 2 years but when I call to settle I am on hold for hours and get disconnected then my emails dont get answered. Last call I made to NCB was XX/XX/XXXX and last email I sent was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXXXX/XX/XXXXwhich is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXXXX/XX/XXXX The XX/XX/XXXXare in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Product: Debt collection

They are reporting this account from XXXX which is inaccurate thats when they purchased the debt. XXXXXXXX account was closed XX/XX/XXXX. Ive disputed this account numerous times with transunion, each time it comes back verified and correct which is completely inaccurate. There is literally no history listed on my credit report other than the date. This account continues to affect my credit negatively. I want this account either updated with the correct dates, payment history shown, the account closed with the right documentation provided. Not changed just because they can. If this cant be fixed I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to contact Capital One directly to appeal a late payment that is listed on my credit report. I have contacted the credit reporting agencies to look into this matter without success. I have been with Capital One for about 2 years now and have only had one payment over 30 days due to being locked out of my accounts because my password was compromised and on the dark web.
Product: Credit card or prepaid card

XX/XX/2020 I disputed a charge to my Goldman Sachs Apple Card. The charge was from a company called XXXX through XXXX that was made XX/XX/2020 for {$190.00}. My dispute was/is as follows : Utilizing the XXXX website I purchased a part for my clothes dryer. I entered the model and serial # on the XXXX website and they sent me a new control box for my appliance. The part they sent me was not the correct part. I immediately reached out to XXXX  and they ignored my requests to remedy the situation by providing the correct part or providing a refund. I then filed a dispute with Goldman Sachs Apple card and provided a copy of the email I send XXXX requesting remedy for their error. While they did provide provisional credit they eventually found in the favor of XXXX because they " provided proof that I made the purchase ''. I dont understand why it took 8 weeks to confirm I made the purchase since I told them I made the purchase in the initial dispute. The dispute is that this company didnt send me the part I ordered and has refused to remedy the situation. I have in turn purchased a new dryer and no longer want the part from this unresponsive company ; I want my money back which Goldman Sachs Apple Card is refusing to provide.