23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I just went through a bankruptcy and have been trying to get my payment deferred or lowered while I am working with my attorney to discharge these loans. These loans are predatory and have doubled from interest over and over again. One loan originated at {$3200.00} and I still owe {$19000.00} after making {$7800.00} in payments. The other loan originated at {$4900.00} and I still owe {$30000.00} after making {$12000.00} in payments. The interest rate is at 18 %. 

My student loans through the government are being discharged because the school that these come from are XXXX XXXX XXXX and the school is no longer.
Product: Money transfer, virtual currency, or money service

Used Zelle regularly as a payment app since its conception and integration into XXXX Bank. Had a few instances of sending money to someone in my contacts very close to the person I meant to send it to. ( XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX without any way of canceling once I hit the pay button option. Luckily only once or twice did I send money and not receive payment back ( for small amounts ) but the sheer principle of me not being to cancel a payment and having to have him send it back is preposterous even before they added disclaimers and such in recent years
Product: Credit reporting, credit repair services, or other personal consumer reports

Installment account reporting to my personal credit report was removed recently this month. The removal of this account affected my length of credit history and oldest account, resulting in a negative affect to my credit report. Would like this information to be added back to my credit report as it is accurate and correct information. I have also asked the data furnisher to resubmit the information to transunion.
Product: Debt collection

In the process of trying to buy a house and just found out about this debt. The company that owns the debt stated that I had to file a report and send it to the dispute department. They said once they get this they will start an investigation. 

Apparenty it is XXXX XXXX  for a XXXX  XXXX Credit Card - I have not ever applied for or had a XXXX  XXXX Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. MY SS HAS BEEN FLAG AS LISTED ON THE DARK WEB
Product: Credit card or prepaid card

On XX/XX/2020 my car was broken into around XXXX XXXX, and my purse along with other belongings were stolen. I had 7 credit cards- 1 being with Chase freedom unlimited. Around XXXX XXXX I called Chase to report this and was told I had one fraudulent charge at XXXX  for {$500.00} and it looked like a gift card purchase. We promptly cancelled the card and I was issued a new one a week later.The charge was taken off and I received an email shortly there after stating that the charge was proven fraud and was removed. On XX/XX/XXXX I made a credit card payment and found everything to be correct regarding my balance. I went into the app again on XX/XX/XXXX to make another payment, and saw 6 more duplicate charges on XX/XX/XXXX for {$500.00} at XXXX that posted on XX/XX/XXXX to the former credit card number ending in XXXX. I called and was asked to provide a police report by email to the fraud dept which I did promptly the next day on XX/XX/XXXX. I was also told by XXXX XXXX that the charges were all made at the XXXX  on XXXX XXXX in XXXX XXXX in person between XXXX and XXXX. After 8 days of submitting these documents, I was continuously given the run around and was told that my fraud claims were denied, even though the initial charge was proven fraud at XXXX and all others being clearly related to each other. I was then told I needed to go to XXXX and try and obtain footage of the incident and send that information in and obtain another police report and attach the XXXX  footage to it. This is absurd. My 6 other credit cards gave me no hassle, and Chase makes it impossible to obtain any resolution.There are laws and stipulation that state if these types of incidents occur we as consumers are covered. This is theft made by Chase if I am responsible for {$3500.00} worth of charges. Why did the additional 6 charges not post until 4 weeks later? Why was the information I gave good enough to remove the first charge and not the others? This behavior on Chase ' part is abhorrent.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$460.00XXXX XXXX XXXX Balance : {$820.00}
Product: Debt collection

In XXXX 2016, I successfully disputed a debt that was claimed to be mine. I had no prior knowledge of this debt 's existence. The XXXX credit bureaus ( XXXX, XXXX, and XXXX ) found no sufficient evidence that I owed any debt to this particular agency. However, I am still receiving phone calls from an agent in an attempt to collect this disputed debt. 

My attorney and I have attempted to have this agent and their agency validate the debt and cease and desist all communications with me. We have been unsuccessful in reaching them by mail because all addresses that were provided by this agency are not valid. 

As of today, I am still receiving phone calls from unrecognized numbers and callers who are clearly associated with this debt and still attempting to collect it, but refuse to properly identify themselves. They are leaving cryptic voice mail messages, not disclosing their names or credentials, using intimidating and aggressive language, and are making threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing these information. The information Im disputing are INCORRECT & I NEED THESE MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these ITEMS and ascertain that the DATA FURNISHER had a permissible purpose, and are able to verify my complete file information including full name, address, date of birth, and SSN #. Here are the items that you must removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXG XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 in 60 days to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  Never XXXX the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 XXXX
Product: Student loan

I submitted my most recent student loan payment to Navient on XXXX/XXXX/2017 ( over twenty-four hours before it was due on XXXX/XXXX/2017 ). I immediately received an email receipt confirming that my payment had been submitted. I was informed on XXXX/XXXX/2017 that my payment was " overdue. '' Turns out that Navient had not sent the request to my bank until XXXX/XXXX/2017, a full five days after I had submitted the payment. The payment was finally processed later in the day on XXXX/XXXX/2017. I am now worried that I will be charged a late fee, not to mention the repercussions this could have on my credit score.
Product: Credit reporting or other personal consumer reports

account is in collection when it shouldnt be .i do not owe anything and have resents from the original company showing that i dont owe anything .i asked collection company to send proof of what i owe and they could not provide .i reached out to the original creditors and they told me they would send over the correct information and have it removed from my credit
Product: Debt collection

Account # XXXX I do not owe this debt. I have never heard of this company before. I am disputing this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. Co XXXX XXXX XX/XX/2023 XXXX. Ally Financial XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Mortgage

I tried to make a payment on the Caliber home app. It was down all Friday that was the day I got paid ( XX/XX/XXXX ) I have never been more than 30 days late on my mortgage but it was a rough XXXX this year. I forgot that I my payment did not go through and remembered on the XXXX that I needed to still pay my mortgage. I made a one time debit cardPayment which was made on that day .On my card it shows that I made a payment to caliber home loans on XXXX of XXXX. Caliber shows that I didnt get to them until the first Because it was on a Sunday After hours. I paid a XXXX dollar fee to have it credited to my account that same day. I talk to XXXX from caliber home loans which she did not really want to hear anything I had to say other than the fact that it didnt get to them until the first. I told her if their app was working then I wouldnt have this problem. And I wouldve never paid the XXXX dollar fee to have it deposited that same day. I called them and tried to settle it with caliber home loans XXXX had nothing to say other than they are not taking it off. Thats not fair, they show that I was logged on my account on XX/XX/XXXX trying to make a payment. I should have been shown some type of understanding and been able to get that 30 day late charge removed. I have never been more than 30 days late ever. I will be looking to switch my loan with another company.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request to Remove Unauthorized Hard Inquiry from My Credit Report I am writing to formally request the removal of an unauthorized hard inquiry from my credit report. Upon reviewing my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit or give permission for this hard inquiry. Therefore, I believe this inquiry was made in error or as a result of potential identity theft. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of this hard inquiry from my credit report to prevent any negative impact on my credit score. Please find attached copies of the following documents to support my claim : 1. A copy of my credit report highlighting the unauthorized hard inquiry.

2. A copy of my government-issued ID ( driver 's license/passport ) for verification purposes.

3. A copy of a recent utility bill to confirm my current address. 

I kindly ask that you investigate this matter promptly and remove the unauthorized hard inquiry from my credit report. Please confirm in writing once the correction has been made. If you require any additional information, please do not hesitate to contact me at [ XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for your prompt attention to this matter. 

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

I recieved a notice about a collection account on my credit report. I looked over the information and it was inaccurate, as i have never used services from that company " XXXX ''. I issued a dispute with experian, they handled it quickly, but i was told my inaccurate collection account would remain. I reached out to the company around 3 weeks ago and asked for to dispute it with them as well. They told me they would send out some paperwork with a summary of all " charges '' and i have yet to receive it, upon calling them again im told they will send it out again. If this was my account to begin with, why would i never have heard about any kind of account until now, when its supposedly in collections? This process has gone on long enough, and my credit report still has the collection account on my report and it's not making it easy to rebuild my credit. This charge is not mine, i will not be paying for it because of a mix up on their end. Both companies have not been very helpful in getting this matter resolved.
Product: Debt collection

There is a current bill for XXXX XXXX for a visit on XX/XX/2017. XXXX had active insurance through XXXX at this time so I'm unsure as to why I am receiving a bill for these services and furthermore why the bill was added to my credit report as a collection account. I've reached out several times to have this investigated and there is no outcome.
Product: Debt collection

I do not own them any money, this issue was already solved.The amount was XXXX if I'm not mistaken
Product: Vehicle loan or lease

This company is currently showing late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Debt collection

I requested a debt validation after I received a letter from this debt collection agency. All they sent was a bill with no signature or proof that it was my debt. The bill is in the amount of {$640.00} for a cable bill.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report an noticed several inaccuracies on my account. These accounts is hurting my ability to obtain credit. It is my understanding that you will investigate these Items for me to ensure accuracy. Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX ACCOUNT # XXXX, AN ALSO XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account with my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, It is with great spirits for a prosperous 2023 that I hope this email finds you. For me it is very exciting to be a XXXX customer. Aside from a checking and savings account, I also opened a secured credit card. 

The XXXX app provides, as a courtesy, an update report on ones FICO score. As I closed a XXXX XXXX credit card recently, my score experienced an enormous drop last month. 

On a greater level, I opened these accounts to develop a stronger relationship with XXXX. The app identifies Equifax as being the source for the score. However, when reviewing my consumer file, with this agency, my XXXX credit card is not reporting. 

Credit reports sometimes contain information that is inaccurate. However, a scenario in which missing positive information has now presented itself. And it is to this agency that subsequent scoring models are used by XXXX in considering future offers. 

After reaching out to Equifax and spending quite some time on hold, and escalating this to a supervisor, they delegated this back to the lender ; in this case XXXX. 


The mission of XXXX has been to engage in good business practices that protect consumers, and their access to credit. Can you kindly look into this and please see to it that the account is properly reported, along with prior months, along with future ones as well, and provide an update? 

Thank you for your assistance in this matter. 


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

I have sent in countless letters to Experian and XXXX  consumer reporting agencies regarding the XXXX XXXX account on my report. I have served XXXX XXXX with a Cease and Desist Notice. The XXXX XXXX account should not be on my Consumer report. I haven't given any company or person permission to furnish XXXX XXXX on my Consumer report. Both Experian and XXXX  should delete the account immediately before I take legal action against both Consumer reporting agencies according to the FCRA.
Product: Credit card

I was informed by Home Depot/citibank collections agents I was charged {$40.00} XXXX last year for late fees. I called the credit card company to let them know as a large card issuer they are subject to the CFPB rule relating to excessive credit card late fees, which was finalized XX/XX/year>, that they overcharged me late fees, and to please refund the fees or apply them to the OSB on my Home Depot Citibank credit card. The representative said the card issuer was not aware of the CFPB rule limiting credit card late fees, and that they believed they did not owe me a refund of overpayment, as they had never heard of this rule. CFPB Bans Excessive Credit Card Late Fees, Lowers Typical Fee from {$32.00} to {$8.00}
Product: Credit card or prepaid card

Home Depot only allows you to pay them with a routing and account number. They took almost 14days to take a payment I made and it bounced. First issue ever... They closed my account immediately. I've continued making my monthly payments but they haven't reopened my account as they said they would
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX 
LAST NAME : XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX SECURITY FREEZE
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy file date is wrong. Should be XX/XX/2010 Never had this address : XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting

I have been working with Equifax to resolve several negative entries on my credit report. The problem is that some of the entries, that I dispute the origin of, have been sold to other collection companies who are also reporting the same negative entries. 
It has been difficult removing these duplicate entries because the only reply you get from Equifax after XXXX days is that they say they have verified this is " owned by you ''. They seem to be ignoring the other very pertinent information sent other than stating that the entry is disputed by the consumer. 
XXXX duplicate I asked them to remove is very obvious in that the original entry shares the exact SAME information as the entry made by the company they sold it to including dates, amounts and even the account number!! Yet the Equifax investigation I started found no problem with this duplicate entry and again just stated " we found this item belongs to you ''! This investigation took thirty days and was pointless since it ignored some very obvious facts! 
It is also very difficult to submit disputes with Equifax in that you are restricted to very few categories to enter your dispute ( For example there is no easy way to submit that a negative entry is a duplicate entry so you end up trying to guess which is the closest ) and it is is limited to XXXX characters and for some reason it rejects the use of a lot of the regular characters of punctuation ( For example the use of an exclamation point! ) and even numbers ( even though it states these are allowed )! The fact that you are not given a contact person means you are at the mercy of their very difficult and slow system and a XXXX sentence reply is not enough. To state, in your investigation " we have determined this debt belongs to you '' is insufficient when you have let them know for example : that a Cell phone company has put fraudulent charges on your bill when that same company is settling XXXX with it 's customers for that very same reason! Well they definitely " phoned in '' this investigation! 
These credit reporting agencies have a lot of power and literally hold our lives in their hands and should be held to a much higher level of accountability!