23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a discrepancy I have noticed on my credit report, concerning an account that your organization currently manages Account ( XXXX ) Recently, I had an opportunity to review my credit reports and observed that the balance reported for the account appears to be inaccurate. It has come to my notice that there exists a discrepancy between the balance as reported by your company and that as stated by the Experian Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request a correction of any inaccurate information on my credit report. Therefore, I kindly request that you thoroughly investigate this matter to ensure that the account information you report to credit bureaus is accurate and verifiable. 
If my dispute is valid, I would like to invoke Section 611 of the FCRA which requires that credit bureaus correct or delete inaccurate, incomplete, or unverifiable information within 30 days of a dispute. Accordingly, I request that you rectify this discrepancy and inform Experian to delete this account from my credit report if it can not be accurately verified. 
In keeping with the regulations prescribed by the FCRA, I would appreciate it if you could provide me with an updated copy of my credit report once these changes have been affected. I understand that this is my right under Section 609 of the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response. 
Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX, I reached out to XXXX, Transunion, and XXXX, asking them to investigate Account Name : XXXX XXXX, Account XXXX. They claim to have done their due diligence with their investigation, but there are still multiple inaccuracies across all three consumer reporting agencies ( XXXX, Transunion, and XXXX ). These inaccuracies are highly injurious to my credit report and my XXXX XXXX. In accordance with XXXX XXXX XXXX : Compliance procedures XXXX B " 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. XXXX XXXX has closed date listed as XX/XX/XXXX, and XXXX XXXX reported that I made on time payments on XX/XX/XXXX and XX/XX/XXXX across all the consumer reporting agencies. This information is misleading and inaccurate and has affected me from getting credit from various lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have been paying student loans with XXXX/Sallie Mae for about 12 years now. My complaint is that one the initial loan payments was presented in an unclear manner. That when repayment time came I was shocked at the amount expected to pay because that was not what was interpreted during the loan origination. It seemed as if it was going to be much smaller than it really was per month. Then I was advised to put it in an income driven repayment program where I had to disclose how much I made and my monthly all my bills and expenses. It ended up being a forebeance program that when again presenting by a manager seemed like an okay plan, when in reality it was not int he best interest for the borrower. Also during this time I had many mishandling of payments. I wont time had a {$15.00} amount lingering however while making new payments it was never being applied to that for some odd reason. And they hit my credit with it. I had to call and fight and fight for weeks to have it removed from my credit. Similar payment issues has happened with them again hitting my credit where I have had to sit and fight to get it off. Hours of my time and stress calling managers and writing letters. It overall has been a very sketchy company to finance with
Product: Payday loan, title loan, or personal loan

I am writing in reference to a negative pay status which has been placed on my credit report, per USAA ( USAA, account #, XXXX XXXX XXXX XXXX XXXX, Tx XXXX, with a payoff balance of {$7800.00}. In XX/XX/XXXX, my husband Filed a Bankruptcy, Chapter XXXX. His BK, XXXX requires his to pay back 100 % of his debt. Within 1 month USAA has sent 2 different comments to the credit bureaus in reference to a negative pay status on my credit report. One was on XX/XX/XXXX, and the next comment was 16 days later, on XX/XX/XXXX. The comments are vindicated, the comments state the account is open, closed, charged off, sent to collection, profit loss, delinquent and write off. Which in fact the account has been included in the BK XXXX. I have read, the above charge off comments, are established after 6 months, not 1 months, as USAA has done. I filed a dispute with the three different Credit Bureaus, XXXX has completed their investigation and the Results summary states VERIFIED AS ACCURATE AND UPDATED. 

USAA is trying to receive payment twice while trashing my credit, providing they are receiving 100 % payment from my husband BKXXXX,
Product: Credit reporting or other personal consumer reports

My credit report has inaccurate reporting with these Bank of America accounts. I have notified Bank of America but they refuse to comply and uphold their responsibilities as a furnisher of information.
Product: Credit card or prepaid card

I received a statement with my name from a Citi XXXX XXXX  card which I did not apply for and the amount owed is {$4300.00} purchases made to XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   SENT ME AN EMAIL STATING THAT DUE TO THEIR INACCURACIES THEY WOULD BE REMOVING A NEGATI  E  ITEM FROM MY REPORT, THAT NEVER  SHOUL DHAVE  BEEN THERE. I HAD MOVED, CALLEDC THEM, AND THEY NEVER CHANGED THE ADDRESS. I THEN SPOKE  WIOTH  THEM THROUGH PHONE AND EMAIL AND THEY RECTIFIED THE PROBLEM, RMOVING IT FROM MY CRED IT REPORT. IT HAS NOW RE-APPEARED MULTIPLE TIMES, SAYING SOMETHING ABOUT ME DISPUTING, WHICH I NEVER DID, THE INFORMATION IS COMPLETELY INACCURATE AND I HVA EPROOF THEY LIED ABOUT REMOVING IT. THIS IS A CLOSED ACCOUNT THAT WAS NEVER NEGATIVE AND THEY PROMISED TO REMOVE AND DID, ONLY TO HAVE IT RE-AOPPOEAR AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this CFPB complaint on my behalf and I am informing you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Accounts XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 Federal Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXXXXXX - XXXX - {$5700.00} XXXX XXXX XXXXXXXX - XXXX - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.
Product: Debt collection

Calls my home over 5 times a day from 4 different numbers. They are looking for someone who does n't live here and is not associated with my phone number. I just received this phone # a year ago. I told them to stop via email/phone/ and BBB. Want all calls to stop. they have the wrong #
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 DEPT OF EDXXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX I JUST FOUND OUT WE WERE XXXXXXXX XXXX XXXXXXXX  CHILD, THE FATHER WAS XXXX. I DEVELOPED XXXX  AND FROM BEING ISOLATED I FELL INTO A XXXX  XXXX. THE WELLS FARGO ACCOUNT HAD GOT OVER DRAFT FROM ME DOING MY CHILDREN 'S FATHER FUNERAL, BUT I JUST REOPENED THE ACCOUNT AND IT STILL SHOWS ON REPORT. THE XXXX SERVICE WAS NEVER USED, BECAUSE MY TV WASN'T UP TO DATE SO IT WOULD CONNECT AND AFTER I RETURNED EQUIPMENT. THE XXXX  BALANCE IS FROM ME NOT BEING ABLE TO SEND OLD DAMANAGED DEVICES BACK, BECAUSE I HAVE BEEN IN THE MIDDLE OF MOVING AND JUST LOST MY NEPHEW, SO I'VE BEEN A LITTLE SLUGISH LATELY AND I STILL HAVE THE DEVICES I NEED TO GET SIM CARDS OUT.
Product: Debt collection

I have not received any signed contracts or validation of this debt is owed by me. XXXX XXXX.
Product: Student loan

I was approved for student loan relief under the Borrower Defense category in XX/XX/year>. I am part of the XXXX XXXX XXXX XXXX I went to XXXX XXXX XXXX which is a fraudulent school as part of the XXXX XXXX. To this day Mohela has not responded to my questions and these loans are still showing on my credit report. They were supposed to be forgiven over two years ago. Mohela is not complying with the letter from Dept of Ed nor the court order stating these loans were supposed to be forgiven.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted {$70.00} + fees on PayPal to XXXX for the purchase of a digital concert ticket. The individual immediately blocked me on all social media, not sending the ticket, yet still took my money on PayPal. It has not given me an option to dispute it through PayPal, but Im hoping thats possible to get my money back.
Product: Checking or savings account

On XX/XX/2019, I opened a Performance Select Checking account with a promotion for {$300.00} after meeting certain qualifications. The terms of the promotion include making a direct deposit {$5000.00} within 60 days as well as 10 debit card transactions within 60 days. I can confirm that I completed these transactions within the 60 day time from of account opening. The direct deposit of {$5000.00} was completed on XX/XX/19 as XXXX  funds, which are funds from an outside agency that pays me. After speaking with PNC, they do not know why the bonus has not been posted and can not give a clear answer. I spoke with multiple representatives and the service and responses were non existent.
Product: Credit reporting or other personal consumer reports

My social security was involved in a data breach. Im requesting all information to be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report and noticed several Hard Inquires I did not apply for and request they be removed.

1. XXXX  Auto XX/XX/2018 XXXX XXXX, Ca XXXX XXXX I Did not apply for a car loan 2. XXXX XXXX JXX/XX/2018 XXXX, FL XXXX I did not apply for a gas card, don't even have that station where I live. 

3. XXXX /Airlines I did not apply for this, I don't even fly.
Product: Debt collection

This so called 'debt ' started with LVNV XXXX then they sold it to another collector, and now its been sold to XXXX! The original creditor sold this account, charged it off and closed it. These collectors have no rights nor any grounds to harass me with this. My rights are 100 % protected by US Code 15 USC 1692g. I 100 % dispute this debt, refused to pay it, and they have ignored my cease and desist warning. I want this company fined and expect a check in the mail from them.
Product: Credit reporting or other personal consumer reports

After reviewing my credit file, the account that I want to investigate still on my credit report. 

XXXX XXXX XXXX Balance {$0.00} This account is misleading. This will need to be removed pronto.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. CREDIT CARDS opened at XXXXXXXX XXXX {$850.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

I received a bank card from Citi Bank. I called they said a bank account was opened on my name online with my ss #. I never did This
Product: Credit card

I've consistently made sure payments are on time for this account, never allowing them to be overdue. I'm uncertain about why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Mortgage

I have requested mortgage assistance from XXXX and continue to be in the process 2 and a half years later. I am continuously being asked for the divorce decree, which my mistake was sending my originals to them. To this date I have not received my originals back, and am still being asked to provide my divorce decree. I ask them where is my divorce decree original documents and of course they do not know. Furthermore I have sent the documents that I am continuously asked for just so that at the end I end up being asked for further divorce documents. I am exhausted all I want to do is resume making my monthly mortgage payments. As a homeowner in California whom has given them the paperwork they ask of me over and over and over and over and over and over again it makes the difference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my consumer report and noticed that unauthorized inquiries was furnished on my report. 

XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX  BANK - XX/XX/2023 XXXX XXXX XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/23 a fraudulent application for credit using my name, XXXX and XXXX and a fraudulent address was submitted to XXXX XXXX. XXXX XXXX  attempted to pull my credit report from TransUnion, but were unsuccessful since I keep my credit reports frozen. 

The fraudulent address used by the criminal was : XXXX XXXX XXXX XXXX., XXXX  XXXX, XXXX XXXX, IA XXXX Upon alert by TU, I immediately phoned XXXX XXXX and advised them of the fraudulent application and ensured my existing accounts with XXXX XXXX  were secure. At that time I also confirmed with XXXX XXXX  that my telephone numbers and address were correct. 

On or about XX/XX/23 I received an alert from XXXX about an address change to my credit report. Upon speaking with XXXX, the new address added to my credit report was he fraudulent address used in the fraudulent application for credit at XXXX XXXX. XXXX instructed me that since the address was reported to them directly by XXXX XXXX, only XXXX XXXX  could have the fraudulent address removed. I immediately contacted the XXXX XXXX 's Fraud Department and they assured me that the fraudulent address was not on any of my accounts. 

On XX/XX/23 at approximately XXXX XXXX  I accessed my XXXX XXXX  online banking and happened to notice that my residential address had somehow been changed to the fraudulent address mentioned above. I immediately changed the address to the correct address. I also immediately called XXXX XXXX  to see how this even happened in the first place. The representative I spoke with was extremely unhelpful. She stated she would have seen if there had been a recent address change and that as far as she could see the fraudulent address never appeared on my account and that the recent change I made never happened. She also stated that in order to address the issue I needed to mail notification to XXXX XXXX. This is extremely unsatisfactory. 

I am currently overseas and having to mail XXXX XXXX  will take a long time and meanwhile my credit reports will contain, because of XXXX XXXX  's failure on many levels, a fraudulent address which will not only make me more susceptible to fraud, but hinder any applications for credit that I may make. 

Not only is XXXX XXXX  making it extremely difficult to even have them correct their error, but they have never explained how they even allowed this address change to happen or why I was never notified in the first place even though I subscribed to alerts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian recommends credit cards that have exorbitant fees and interest rates, under the guise of " improving credit scores '' by " increasing the amount of available credit. '' This gimmick is then marketed to desperate consumers who then find themselves trapped with a card with low credit limits and fees of at least {$100.00} annually, service charges, 29 % + in interest. One such company XXXX XXXX XXXX offers such a card with high fees, and upon a consumer 's request for an increase- they are reminded of the 20 % fee per {$100.00} in additional credit before routinely denying requests. Although consumers make timely payments, they will never maintain the 70/30 recommended credit use ratio- because the fees and interest usually account for 30percent usage alone. 

Experian needs to stop recommending rip-off credit cards, and XXXX XXXX XXXX no longer needs to provide such a deceptive credit product. Consumers credit scores will moreover never increase, and will spend large amounts in fees, interest, and random charges by compaines they trusted because EXPERIAN recommended them.
Product: Debt collection

Ive never dealt with this company. Debt showed up on credit report. Never received any type of notification of debt owed. I believe my information was fraudulently used to open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB Complaint is being submitted to report that I have been a victim of identity theft. Upon researching how to remove the fraudulent accounts on my credit report, I discovered that I need to file a report with the Federal Trade Commission or visit their website at https : //www.ftc.gov. Under FCRA Section 605b, Credit Reporting Agencies are obligated to remove any accounts and information listed on an ID Theft Report. After recently receiving a copy of my credit report, I was surprised to find several accounts that I did not open and have no knowledge of. Attached documents will assist in blocking the erroneous information from being posted on my report. The following items are in question : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX  I XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX. I can confirm that I did not open these accounts or give anyone permission to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report it to the authorities. FCRA Section 605B ( a ) requires Credit Reporting Agencies to block any information in a consumer 's file that the consumer identifies as information resulting from identity theft, no later than 4 business days after receipt.