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

I filed XXXX complaints against Capital One credit card. They continue to pilfer money from my acct. 
You ruled in their favor saying they didn't owe me {$80.00} BUT -- -- -- when they investigated they did put back {$80.00} into my acct and sent me a letter apologizing for the fraud. 
I filed another complaint for {$48.00} they didn't reimburse me. After examining my screen shots they gave me back my {$48.00}. 

They did not apply {$53.00} to my acct when XXXX dropped that charge. It was not put into my available credit, nor was it taken off what I owe Capital One. 
I'm sending you screen shots. I want my {$53.00} put back into my account. They keep pilfering money from me when I do multiple transactions. IT NEEDS TO STOP NOW!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  keeps reporting an account that the statute of limitations has already expired. XXXX XXXX is breaking the Fair Debt consumer laws.
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 rights under15 U.S.C. 681 XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX. account. # XXXX In accordance with the fair credit act and XXXX  account # XXXX and # 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 XXXX It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-XXXX ( A ) ( XXXX ) 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: Mortgage

I am trying to get an agent on the phone from Dietech.com. Everytime I call I get transferred to a mailbox that claims it is full and this is during business hours. I can not leave a mess and am not transferred to another ext. There was atime I left a message and got no return call. This is my mortgage servicing agent and I need to get a person on the phone. I also applied on the web site and it did not work after answering all the questions and now I ca n't redo that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 SOFI LENDING CORP with account number XXXX was taken off my credit report and now has been put back on it. This company does not have this loan as it states on the credit report that it has been Transferred. The Account Status is reporting it as derogatory and this account does not even have a balance reporting on it.
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 reported 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 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, OK XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/ Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is currently furnished inaccurate payment history to the reporting agencies. I opened the account XX/XX/XXXX and was XXXX  XX/XX/XXXX and XXXX  XX/XX/XXXX I provided proof to XXXX XXXX and the reporting agencies. 

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

My son is enrolled at XXXX  XXXX University ( XXXX ).  He applied to Sallie Mae for an education loan online in XX/XX/2019 for {$13.00}, XXXX. He emailed me in XX/XX/2019 asking that I co-sign his loan. I told him that I would have to see the terms and condition first before making a decision. I logged onto the Sallie Mae link he sent and started filling out the application to view his  loan information. I started filling out the required information, but did not complete the application because I disagreed with the loan terms. The main disagreement points were : ( 1 ) it was what I consider to be an excessive interest rate and ( 2 ) it was a Variable Interest Rate loan. My son may have accepted those loan terms,  but as co-signer, I did not accept the loan 's terms because I was shopping around for more favorable loan options. However, I did elect the required " fixed monthly payments of {$25.00} while you [ my son ] are in school and for a separation period of 6 billing  periods thereafter. '' ( Reference : Update on your loan application : Action Required pg 2. Repayment Options para. 1. Accessed via email XX/XX/2019 ). I was surprised to receive an email from Sallie Mae requiring a {$120.00} payment, which I never consented to paying. However, I did make the payment on behalf of my son because he could not afford to and I did not want to damage my credit rating. I believe that in trying to push/sell their high interest variable interest rate loan, Sallie Mae not only cut corners by processing an incomplete application ( mine ), but also approved me as a co-signer without my explicit consent. I consider the aforementioned business actions fraudulent and identity theft. I contacted Sallie Mae on numerous occasions, but to no avail. I have also filed multiple complaints against Sallie Mae, but so far I am still awaiting a satisfactory resolution.
Product: Credit card or prepaid card

My credit card was issued by XXXX on XX/XX/XXXX it was sold or transferred to Westlake Portfolio Management in XX/XX/XXXX, due to XXXX going out of business. My monthly payments were always {$35.00} due on the 1st of each month. I made my first payment on XX/XX/XXXX with a customer service representative. When XXXX & XXXX came my payment was considered 3 & 9 days late and I was charged a late fee which I paid. My XXXX payment was made on XX/XX/XXXX via the mobile app but my payment posted on XX/XX/XXXX and I was charged yet another late fee. On XX/XX/XXXX I called and spoke with a customer service representative named XXXX, I had previously spoken to 2 other reps but the calls were disconnected both times. XXXX said that my payment was considered late because their system doesn't post the payment until 24 hours later, I told XXXX that I have never made a payment on the due date and it be considered late. XXXX said she would put a request in to have the fees reversed and it could take 24-48 hours she said to call back and verify that it was reversed XXXX also processed my XXXX payment for {$45.00}. I checked the mobile app on XXXX and noticed that I was charged another fee of of {$9.00} for an unknown reason. I checked again on XXXX and was charged yet another fee of {$9.00} bringing my total due to {$19.00}. I called on XXXX and spoke with 5 different reps of those 5 I was disconnected 4 times by the rep when they were suppose to transfer me to their " credit card department '' the 5th time I called I spoke with XXXX who said that they did not have a credit card department he then transferred my call to XXXX XXXX, XXXX looked into the account and said that the fees were justified because my payments were considered late. She said she would request a call back from a department who can handle my account. The contract details say that the amount financed is {$650.00} with a 0 % APR and a monthly payment of {$45.00}, the contract states it ends on XX/XX/XXXX, this is all incorrect I am being charged interest and it is not been disclosed to me with those amount I would end up paying {$1400.00}. I sent an email to XXXX expressing my issues about my account I received a response that said I needed to speak with a rep, unfortunately their reps just like to disconnect the calls and can't help with my account. When looking at my statements I am being charged interest but the balance amounts do not match.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$1.00} on XX/XX/2020 to get a fico score and later learned I had been charged an additional {$65.00} over the next 69 days. 

This company deceptively enrolled me in a " free trial '' with a recurring billing and spammed my email account with daily emails. None of these emails provided a statement of charges or any other indication I was being billed repetitively. I only learned about the situation from my credit card statement much later. 

It's also notable that the Experian website does not have a section for customers to see historic billing which is only visible to the Experian phone reps who are difficult to get on the phone. I tried to cancel before and could not get through to anyone.
Product: Mortgage

In XX/XX/XXXX, my mortgage loan was sold to a company SN servicing corporation. Since my loan was sold, I have not received any communication vis mail or email regarding billing statements or my loan terms. I have submitted several requests for a copy of my billing statement so I can begin to make mortgage payments. requests were submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response from lender. There is no indication of any loan terms on the company website.
Product: Debt collection

I recently found out that IC Systems has been reporting and re-reporting an XXXX XXXX XXXX collection to my credit reports since XX/XX/2014. I believe its for a landline phone, not a cell phone. I should not have any debts to XXXX XXXX XXXX, and I haven't had a landline in a very long time. So, I disputed the collection account via XXXX, who stated they contacted IC, who in turn verified it as accurate. I'm not really sure what else I could reasonably do, because I never received a bill or anything to tell me what this is for, even after I said it wasn't accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute certain information in my file which I believe is possibly Identity theft.This account was opened fraudulently therefore I am a victim of identity theft. The accountwas opened without my knowledge, consent, or authority. I have no idea how the theft tookplace, nor do I have knowledge of the suspects. I did not receive any money, goods, orservices as a result of the identity theft. This is a strict violation of FCRA Section 605b.The 3 Credit Bureaus needs to remove the account from my file. 

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

I notified LexisNexis via certified mail XX/XX/2018, XX/XX/18, and XX/XX/2018, regarding 3 bankruptcies on my credit file. LexisNexis responded to me XX/XX/2018 stating they contacted Florida Federal Bankruptcy Court XXXX and the court verified the bankruptcies. XX/XX/2018 I sent LexisNexis a copy of a letter I received from Middle District of Florida Bankruptcy Court. Stating the court doesnt report any filings to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update your information as this account was found to be fraudulent. So it was removed by XXXX..
Product: Student loan

I started an XXXX degree at XXXX XXXX College was advised tuition would be XXXX well XXXX were covered by federal student loans. Then they proceeded with stating i can pay XXXX cash up front or i can take out a personal loan through them. Well i started school in XXXX 2015 got the personal loan ( so they claimed ) through tuition options well little did they explain or let me know this company was an accounting type service for the college and that they would be receiving all payments made to this company. My payments during school was {$200.00} a month. Well 5 months in XXXX XXXX 2015 we as students received an EMAIL from the school 's CEO stating the school would close it 's doors as of that day with no notice or warning at all. I paid them {$1000.00} since i started school out of pocket. I have not completed my education as i was promised when i signed up with the school. This company has failed their contract between the students and them. We do n't know if we can get a loan forgiveness or if our credits will even transfer to other schools. When contacting tuition options they do not have answers for students.
Product: Credit reporting

Franklin Collection Service , INC . Stated that I owed XXXX XXXX for internet services ; however, I never used XXXX for internet services. They have since reported the charge against my credit score XXXX. I sent them a written dispute, but never received follow-up correspondance.
Product: Mortgage

Around XX/XX/2023, my loan transferred to Shellpoint. I was on a forbearance plan prior with my previous lender servicer. New lending company acquired information during our phone call exchange around early XX/XX/2023 in terms of forbearance. Representative said that I didn't follow up with questions afterwards a week after to our first phone call and ding me that I was no on the forbearance plan and has impacted my credit and my co-borrower 's credit. I was told if this can be immidtaley repaired and fixed and was told no, i asked to speak to a manager immediately and was told management approved the fix however I am seeing my credit has dropped tremendously. Forbearance shouldn't impact my or my co-borrower 's credit based on the XXXX XXXX guidelines.
Product: Credit card

I am a licenced XXXX, very careful about only using my own secure wifi and not clicking on or answering unknown calls or links, etc. Financial and account security is a priority in my life. I opened a Citibank XXXX XXXXXXXX XXXX XXXX approx 3 months ago. When I logged in to pay my bill on XX/XX/XXXX I noticed a {$7000.00} charge from XX/XX/XXXX that was not mine. It showed no vendor or time, only " XXXX XXXX XXXX XXXX XXXX de XXXX XXXX XXXX which according to XXXX is a payment processing service, XXXX. I have emailed them with no response. I received no communication from Citibank about this, no alerts, text, emails, or phone call regarding this unusually large charge. I contacted Citibank immediately on XX/XX/XXXX and filed a dispute on the fraudulent charge and subsequently XXXX follow up calls, the last XXXX to their dispute department at XXXX and the fraud dept at XXXX. On my last call XXXX, they asked me to help them find a phone # for the fraudulent charge, it was at this point that I became concerned that Citibank has no idea what it is doing in investigating fraud. I know the technology is available to scan my card while out in public, but that is not the reason for contacting you. Aside from Citibank 's poor level of service in regards to crediting the charge back ( they haven't yet ), the other reason for my contacting you today is that Citibank appears to have suffered a security breach and compromised my information, which they have denied. On XX/XX/XXXX I received a text requesting I call Citibank at XXXX, an email that looked completely like an email from Citibank, and an automated voicemail identifying as Citibank asking me to contact them to discuss my fraud dispute and listing my credit card #. I didn't click anything, and googled the # and it was not from Citibank. I then called Citibank directly and they verified that XXXX is not a valid number for them. How did my card #, personal email, and phone # get out?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter requesting that an account be reinvestigated because it is still reported inaccurate. Every month I pull my reports from XXXX  and I come to find out that neither TransUnion, XXXX or XXXX   actually conducted a proper investigation. It has been 7 months since I have brought this to their attention. On XX/XX/2020, I disputed the account with the original creditor to perform my own investigation and they were not able to provide me any documentation that verifies that the account is reported correctly. This means neither TransUnion, XXXX  nor XXXX  used proper investigative methods to verify the accuracy of the account from the very beginning.
Product: Credit reporting or other personal consumer reports

The delinquent payment shown on my credit report ( XXXX ) was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. ( XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive reached out to all XXXX CRAs several of times on numerous occasions in regards to fraudulent accounts thats on my credit reports from the following companies XXXX XXXX opened on XXXX, XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XXXX XXXX XXXX XXXX  opened on XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX opened on XXXX, XXXX XXXX opened on XXXX. Along with several inquiries
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to prov
ide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to
confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$7.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$7.00} XXXX XXXX  XXXX Balance : {$0.00}