23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with XXXX is in consideration of the following : -XXXX won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -XXXX allows borrowers to direct overpayments, meaning any additional payment made over the combined minimum for all loans is able to be designated to pay down certain particular loans, but XXXX does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -XXXX should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -XXXX  should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ), the negative financial impact it has had on the student loan borrowers, etc.
Product: Credit reporting or other personal consumer reports

Subject : Statement on Rights Violation by National Credit Adjusters LLC I am writing to formally address the violation of my rights by National Credit Adjusters LLC. It has come to my attention that this creditor has published inaccurate information to the credit bureau tenant reports, which has adversely affected my creditworthiness and caused significant distress. 

As a consumer, I have the right to accurate and fair reporting of my financial history. The inaccurate information provided by National Credit Adjusters LLC not only misrepresents my credit profile but also undermines my ability to secure housing and other financial opportunities. This practice not only violates my rights under the Fair Credit Reporting Act but also reflects a disregard for the accuracy and integrity of the information that impacts my financial standing. 

I request that National Credit Adjusters LLC take immediate action to rectify this misinformation and ensure that my rights as a consumer are upheld. Additionally, I seek to be informed of the steps taken to correct this issue and prevent future occurrences. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX/2025
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITY BANK/XXXX XXXX DATE OPENED XX/XX/2020 BALANCE XXXX COMPANY HAS DONE NOTHING TO RESOLVE THE ISSUE. 
IS FRAUDULENTLY REPORTING ON MY XXXX AND XXXX REPORT. 
I AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNT IS NOT A RESULT OF ANYTHING I HAVE PERSONALLY OBTAINED. PLEASE BLOCK/DELETE FROM MY CREDIT REPORT IMMEDIATLY.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX co made an inquiry that was unauthorized by me I contacted them and they told me it will be removed within 30 days It has been 120 days and it is still on the report. 


XX/XX/2021 credit acceptance made an inquiry that was unauthorized by me I have been unable to contact them at all to talk about why it has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

My American Express show late payment I called the company and they said they do n't report. Late payment not unless it 's 30 days but to begin with I was never late. They told me I was never late.
Product: Debt collection

A company by the name of AFNI has reported a collection debt on my credit report as in collection, but has made no attempt to contact me either by phone or mail so this debt can be settled
Product: Credit card

Complaint Summary : I have had a fraud block on my XXXX credit card since XX/XX/XXXX. Despite numerous attempts to resolve this issue, it is now almost XX/XX/XXXX, and I still can not access my account. 

Details of the Issue : In XX/XX/XXXX, a fraudulent payment was made using my card. I reported this to XXXX, and since then, I have not used the card. However, a fraud block was placed on my account, which has not been lifted despite my continuous efforts to contact the XXXX XXXX department. 

In XX/XX/XXXX, I was informed that I need to speak to someone named XXXX to resolve the issue. I, as well as other members of the XXXX team, have reached out to XXXX multiple times, but she has yet to respond. As a result, I have been unable to use my card for almost a year, despite making regular payments and never missing XXXX. 

Additional Issue with Bonus Points : When I initially opened the account, I received a certain amount of bonus points. I attempted to invest these points, but the transactions remained pending indefinitely. Afterward, XXXX informed me that I was not eligible to invest, and they never returned my bonus points.
Product: Mortgage

Respected Sir/Madam, I AM requesting to help Me in the situation of My mortgage. 
The mortgage is on My primary home which provides shelter to 6 people including My two old parents. 
I have been XXXX XXXX  costumer for years, On XX/XX/XXXX i got a letter from XXXX XXXX XXXX., in mail that my mortgage is being trasferred to a XXXX XXXX XXXX XXXX XXXX, with a wrong principal balance.so i thought it was a scam. 
I was really surprised as XXXX XXXX had never notified Me, I called XXXX and the REPSENTATIVE HAD NO CLUE WHAT I WAS TALKING. AS SHE COULD NOT FIND ANYTHING.SO I ASKED TO SPEAK TO A SUPERVISOR AFTER SEARCHING FOR LONG HE WAS ABLE TO TELL ME YES MY MORTGAGE WAS TRANSFERRED, UPON ASKING WHY WAS NOT NOTIFIED HE SAID WE ARE GOING TO SEND LETTER THE OTHER MORTGAGE COMPANY RUSHED TO SEND IT. I INQUIRED ABOUT MY MORTGAGE NUMBER WITH NEW COMPANY AND THEIR PHONE NUMBER HE GAVE ME THE INFO. WHEN I CALLED THAT NUMBER THEY SAID THEY HAD NO INFO ABOUT THIS MORTGAGE. 
THEN I RECEIVED ANOTHER LETTER DATED XX/XX/XXXX BY THE NEW MORTGAGE COMPANY STATING THAT THE PREVIOUS NOTIFICATION MAILED HAD WRONG BALANCE INFO.IT ALSO STATED .THE ASSIGNMENT SALE OR TRANSFER OF YOUR MORTGAGE LOAN DOES NOT EFFECT ANY TERM OR CONDITION OF YOUR MORTGAGE. 
ON XX/XX/XXXX I GOT LETTER FROM XXXX ABOUT THE TRANSFER OF THE SERVING OF MORTGAGE, IN BETWEEN EVERY TIME I CALLED SELECT PORTFOLIO COMPANT THEY SAID THEY HAVE NO INFO ON MY MORTGAGE AS TRANSFER IS NOT DONE 100 PERCENT, I WAS ALSO BEEN TOLD THAT I WILL RECEIVE A PACAKGE ABOUT MY MORTGAGE PAPER WORK WHICH I HAVE NOT RECEIVED IN TODAYS DATE. 

oN XX/XX/XXXX FINALLY I WAS ABLE TO LOG IN THE SYSTEM AND CREATE AN ACCOUNT WITH NEW MORTGAGE COMPANY, UPON REVEIWING I SAW MY AMORTIZATION SCHDUELE DATE WAS WRONG FROM WHAT XXXX ACCORDING TO XXXX I SHOULD BE DONE IN XX/XX/XXXX .AND THEY ARE SHOWING AS MY DATE AS XX/XX/XXXX. SO I CALLED AGAIN, THE LADY SAID SHE CAN NOT DO ANYTHING I NEED TO SEND PAPER WORK TO THEIR FLORIDA OFFICE. ALSO THAT THEY CAN NOT DO BIWEEKLY LIKE XXXX XXXX. WHERE IT CLEARLY STATED THAT MY TERMS WILL NOT CHANGE FROM MY OLD MORTGAGE. 
I REALLY NEED HELP, IF POSSIBLE IF I CAN GET IN TO HARP AND MAKE MY TERM SHORTER I HAVE NEVER BEEN LATE IN MY PAYMENT. I AM XXXX YEARS OLD I CAN NOT CARRY MY MORTGAGE FOR SO LONG I WOULD LIKE TO PAYOFF MY HOME SOON. PLEASE HELP ME. 
THANKYOU. 
XXXX XXXX
Product: Debt collection

AD ASTRA RECOVERY SERVICES at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has been sending me collection notices in the about of {$510.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

I got a letter in the mail from a Harvard Collections claiming that I owe a company that I have never heard of nor received a letter from. The debt was from 2016 which is past the statue of reporting or even attempting to collect a debt. There was no information associated with the letter I received in the mail. This company has also started calling me after I advised to cease and desist and to not contact me as they would not release any information and requested to personal information from me but would not advise who they were or why they were contacting me. After the cease and desist was advised this company has called me several additional times. All within the past month. In the state of AZ any attempt to collect any debt after 180 days of the original collection company is against the statue.
Product: Mortgage

Flagstar bank is refusing to release funds paid by XXXX XXXX for repair of our roof. The roof is repaired. Our contractor has submitted a final bill. Flagstar 's own inspector said the work was done. We have a copy of his report. Flagstar still refuses to pay the roofer in full.Flagstar has repeatedly lied to us during this process.
Product: Credit reporting or other personal consumer reports

I have multiple false inquiries on My Credit Report that do not belong to Me. I have been a victim of Identity Theft since 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
Product: Credit reporting or other personal consumer reports

A XXXX ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was a victim of identity theft and as a result of this, all of my information and credit cards were compromised. I tried to reach out to XXXX several times over the years requesting documentation regarding these charges due to fraud and received no assistance other than being advised that the account has been sold. I reached out to the collection agency know as XXXX XXXX XXXX ; XXXX XXXX and was advised to provide documentation to them regarding the Fraud, Identity Theft and as a result, they have removed the accounts from my credit report due to fraud. I would like for XXXX to remove the accounts from my credit report as well. account numbers are XXXX and XXXX Your assistance in this matter is greatly appreciated. 

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

My insurance XXXX XXXX paid off this debt. The debt was recently removed from XXXX and XXXX and XXXX is still reporting its unpaid. I was never supposed to been billed because I have XXXX
Product: Credit reporting or other personal consumer reports

Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged in writ composition. Legally a consumer complaint notices in demand for a check for compliance and further irrefutable evidence to such claim. 
You have broken law XXXX XXXX XXXX ( a ) 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. 

showing proof of the elleged late payment on my report which violated my consumer rights. 




THIS IS MY OFFICIAL WRITTEN COMPLAINT! 

XXXX XXXX XXXX Bank ( XXXX ) ( XX/XX/year> ) XXXX XXXX and my states reporting laws, you MUST AFFIRM and CONFIRM ANY AND ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. 

To be clear, you are mandated by laws to eliminate every notation and or aspect of ANY AND ALL derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA XXXX, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. 

PLEASE FIX MY REPORT WITHIN 15 DAYS!
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 at XXXX XXXX  I stopped at XXXX gas station to put gas in my car. I used the pay at the pump option, after I put in my pin the pump did not turn on. It gave me a receipt that said declined insufficient funds. I looked on the cash app app on my phone and it had taken all {$110.00} from my account leaving a {$0.00} balance. I made a complaint with the station and with cash app that day. The station was not forthcoming with any information so i contacted the Illinois Attorney general about the matter with them and they did finally send them the proof that they didn't get the final transfer of money I have been in contact with cash App and they are claiming that they have 45 days to resolve this under the EFTA rules. When I looked at the EFTA rules it says that they have 10 days or 45 days if they issue me back my money after the 10 days. they have not done this and they are extremely closer to this 45 day time period if it is business days. If it is not business days they have grossly missed the deadline. 
I need help dealing with them. It is clear that they feel that they can bend the rules to suit their needs.
Product: Mortgage

FCI is the loan servicer XXXX XXXX is the borrower The loan is a HELOC The loan was interest only from XX/XX/XXXX-XX/XX/XXXX In XX/XX/XXXX the loan was to be adjust to a fully amortized P & I schedule using a rate of 3.25 % plus 50 basis points or 3.75 % The unpaid principal balance at that date was {$37000.00} The borrower was in her XXXX when the loan was supposed to be adjusted from interest only to P & I in XXXX. 

The loan servicer never adjusted the loan in XXXX to P & I in XXXX and continued to bill the loan as an interest only product and continued to raise the interest rate on XXXX XXXX when it was supposed to be capped in XX/XX/XXXX. 

When it was discovered that the loan was not being billed according to the promissory note, FCI decided to start the P & I calculation in XXXX using the current interest rate of 5 %. 

We do not understand how a lender can make several errors in providing loan processing services, 1 ) not giving proper notice in XXXX and adjusting the loan according to the loan agreement 2 ) and then adjusting the loan in XXXX when the interest have risen and using the higher rate in their favor. 

Does this mean if they didn't discover the error for another five years and the interest rate is now 8 %, that they could arbitrarily use 8 % and gain a significant financial advantage due to their own mismanagement of the account? 

We find this to be an abuse of their fiduciary responsibility to the borrower and elder abuse.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information in Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my report, I noticed the following inaccurate entry ( ies ) or erroneous collections : [ XXXX XXXX XXXX {$3900.00} ] [ XXXX XXXX XXXX {$1600.00} ] [ XXXX XXXX XXXX {$2100.00} ] [ XXXX XXXX XXXXXXXX {$950.00} ] [ XXXX XXXX XXXX XXXX XXXX {$300.00} ] Pursuant to 15 U.S. Code 1681 ( o ), civil liability is applicable for negligent noncompliance. The reporting of inaccurate information on my credit file constitutes negligence and a failure to meet compliance standards under the FCRA. As a consumer, I have the right to ensure my credit report reflects accurate and verifiable information.

I request a thorough investigation into this matter and ask that you : 1. Provide verification of the accuracy of the information from the original creditor.

2. Remove or correct the disputed item ( s ) if you can not verify their accuracy.

3. Provide me with a written statement detailing the outcome of your investigation.

The inclusion of unverified or inaccurate information on my credit report has caused undue harm, including [ explain briefly, e.g., denial of credit, increased interest rates, emotional distress ]. I am prepared to escalate this matter further should this dispute not be resolved promptly and in compliance with the FCRA.

Please respond to this dispute within the 30-day timeframe as required by law. I expect the inaccurate information to be either verified, corrected, or removed from my credit file.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the resolution. Should you have any questions or require additional information, please feel free to contact me at the details listed above.

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX {$1000.00} XXXX {$1100.00} XXXX {$500.00} I was scammed. I believed these people on XXXX were really going to help me. They said they were a XXXX investing company and would help me invest a lot of money because XXXX was booming right now. I can not believe I fell for this. I spent my families savings. I need help. Please XXXX
Product: Debt collection

After reviewing the unverified information or documents provided to me. I refuse to pay this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022
Product: Credit reporting or other personal consumer reports

Dear Capital One Financial Corporation, I am writing regarding the account associated with XXXX, which is reported on my credit file as " charged off '' with a balance of {$350.00} as of XX/XX/year>. 
Based on the information you furnished to the credit reporting agencies, it appears that the account was written off as a loss. Under IRS guidelines, when a debt of {$600.00} or more is charged off, the creditor is typically required to issue a Form XXXX to both the debtor and the IRS to XXXX the cancellation of the debt as potential income. 
To clarify the status of this account, I request that you provide : XXXX. A copy of the Form XXXX ( if applicable ), or XXXX. Written confirmation that no Form XXXX was issued, along with an explanation. 
If no Form XXXX was issued due to the amount being under {$600.00}, please confirm that the charge-off was accurately reported in compliance with IRS and FCRA requirements XXXX 
Additionally, please be advised that the Fair Credit Reporting Act ( FCRA ) requires that all information furnished to credit reporting agencies is accurate and complete. If the account is inaccurately reported as both charged off and outstanding, this would constitute a violation of FCRA guidelines. Specifically : If the debt is fully charged off, it should not appear as collectible. 
Reporting the debt inaccurately as both " charged off '' and " due '' creates confusion and misrepresents the account 's status. 
I request that you REMOVE any inaccurate information with the credit reporting agencies immediately and provide me with confirmation of the updates. 
If you fail to address this matter promptly, I reserve the right to pursue my legal remedies under the FCRA, which allows for statutory damages of up to {$1000.00} per violation for furnishing inaccurate or incomplete information about my credit accounts. 
Please respond to this request in writing within 30 days of receiving this letter. If you have any questions or require additional information to process my request, you XXXX contact me at email/phone number provided above. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Dispute sent in 2x with letter from XXXX XXXX and FTC affidavit requesting removal from transunion. 

After 60 days the account is still showing on report After 60 days all hard inquiries are still on report
Product: Credit card

Some time in XX/XX/2022 I closed my account. I specifically asked the Account specialist to verify that my card would keep the same interest rate. They said yes, which at the time was 19.99 %. So, I closed the account. It is now 25.24 % which is 5.25 % higher and has been changing month to month. I have no late payments or overdraft fees. I was under the impression that the interest would stay the same. How can they raise the rate when no new purchases were made? The customer service said they can not change the rate for me when I called on XXXX.