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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account NaXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

This Debt was bought by another company that I had no idea of and haven't verified any information nor was notified of this debt i am currently with the same phone company they say the debt originated from so I believe this debt to be false. As well as they never sent the proper documentation to verify my debt.
Product: Payday loan, title loan, or personal loan

The debt was charged off in XXXX of 2019. They have continued to charge me interest on this account without submitting monthly statements to me. I have intentions of paying off the original balance that was charged off, but they should only be charging interest if they are legally allowed to and legally sending me monthly statements.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that l believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX Acct. XXXX. 
XXXX XXXX acct number : XXXX. 
XXXX XXXX XXXX acct number : XXXXXXXX XXXX XXXX  acct number : XXXX XXXX acct. number : XXXXXXXX XXXX XXXX  acct number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit card or prepaid card

I am having an issue with another prepaid visa gift card rebate. I am getting fraud alerts and am not allowed to spend my own money. This likely correlated to the velocity limit XXXX has put on their cards to combat manufacturing spending I have had this issue before CFPB complaint XXXX which I was able to be paid out via check after contacting XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

In XX/XX/XXXX I conducted my annual end-of-the-year assessment of usage of each of my credit cards. At that time, I discovered that I had been paying interest charge of 29.99 % for charges made to my XXXX platinum American Express credit card. In XX/XX/XXXX, I was informed that I was one day late in paying my monthly payment. My assistant, who normally processes my monthly payments, actually was several hours late in making my electronic payment, but that apparently was enough to mandate a late payment fee. In any case, I called the credit card customer service line and, as a result of consistent on time payments, was issued a credit on the late payment fee. As I traditionally have my assistant process my payments because I use this card for business expenses exclusively I was not aware that a 29.99 % interest charge was issued on my balance since XX/XX/XXXX ( she has always read the charges to ensure consistency with my receipts and then issues a payment of whatever amount I ask her to submit ). 

Upon seeing the interest charge I called the customer service line and reported my concern that when I was issued a credit for the late payment fee no discussion of the increased interest charge was presented to me. The official that I spoke to informed me that the fees charged to me could not be credited. The charges amount to roughly {$850.00}, double what I wouldve been paying under the normal rate of closer to 14 %. I immediately canceled my card. I write to you now to lodge a formal complaint against the XXXX American Express platinum credit card company for their failure to inform me that the waving of the late payment would have no bearing on the exorbitantly increased interest rate. Had the representative been fully informative than I wouldve made a complete payment of my charges at that time and not use the card for the ensuing penalty period. I consider the representatives inability to provide me with this information a manipulative act and I seek a credit of {$420.00}, which would reflect the extra fees imposed upon me during the period of increased interest charges.
Product: Checking or savings account

The Bank Closed And Blocked My Account From Being Used. and simple bank wont help me with any information on this account there was a direct deposit from   XXXX   XXXX    XXXX  {$440.00}   XXXX   XXXX   XXXX     Was Given to me And  Simple  Bank has not Released the Funds or Return that check back to   XXXX   XXXX  . They have given me none of my money that was left on my account please help with this problem.     The Bank Wont Return ACH Check Back To   XXXX   XXXX    and i have not received my benefits payment from Simple.
Product: Credit reporting or other personal consumer reports

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.Please delete all these fraudulent accounts none of the listed is associated with me. 
The account listed are not transactions done by myself.
Product: Checking or savings account

First National Bank Checking XXXX On XX/XX/XXXX I received a phone call from the bank. I was told that there were two withdrawals fraudulently made for a total of {$500.00}. 

XX/XX/2018 XXXX ATM WTD XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ATM ( {$200.00} ) XX/XX/2018 XXXX ATM WTD XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ATM ( {$300.00} ) I went to the bank branch office immediately and filed a claim. The bank deposited {$500.00} into the account. 

On XX/XX/18 the bank withdrew the {$500.00} out of the account. I called XXXX. The person in the call center could not reverse the withdrawal or tell me the reason that the funds were withdrawn.
Product: Money transfer, virtual currency, or money service

I was trying to send money to my own account to the XXXX XXXX and they cancelled the transfer with no apparent reason ; not only that they gave me the option to try again only to block me with no warning, clear reason, discussion of what was going on, chance to defend myself or clarify what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information below is what I found on my credit report that is not mine. I demand the accounts below be removed from my credit report immediately! 

XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX {$41000.00} XXXX XX/XX/XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$540.00}
Product: Checking or savings account

Bank of America has been displaying an offer to me on their website and mobile app ( once I logged in ) to open a checking account, transfer {$50000.00} into it, and hold it there for ~60 days to receive a bonus of {$750.00}. 

I clicked on the link for the offer to apply while logged into my account with the offer prominently displayed. The account was opened on XX/XX/2020. I then followed up with Bank of America on XX/XX/XXXX to confirm I was on track to meet the promotion requirements. 

I spent 1.5 hours on the phone as they looked into it ( spoke to XXXX XXXX and supervisor XXXX XXXX ), and was told they couldn't see the offer attached to my account, and that the offer would have needed to be e-mailed to me or mailed to me so I could not have possibly gotten the offer in this manner. This was despite me saying I had screenshots from the offer page while being logged into my account ( so they basically just told me I made it up - did I make up the screenshots then? ). They then told me they would put in a " research '' request that would take 30-60 days. So at this point they want to hang on to my {$50000.00} for two months while they decide if they can find in their system that I was targeted. 

False advertising on Bank of America 's part - if they are going to entice me to open an account and ask me to transfer so much money in, they need to follow through on their advertising.
Product: Student loan

Too many dates to remember. I have two loans with Navient, but they see it as one loan. My goal is to pay off the loan with the lowest balance. Every month I make an extra payment and allocate it to loan XXXX with the lower balance. At first the full amount goes to loan XXXX but when I check a few days later they have removed a portion of the payment and put in on the loan with the higher balance. EVERY time I pay extra, I have to remember to call them a few days later and tell them to move all the funds to the lower loan. I have spoken to a dozen people and they say that is the only way it can be done. BUT on their website you have the option to pick the loan you want the money to go to. It makes absolutely no sense. 
Today, I called them because I wanted to just pay off the smaller loan so I dont have to go through this every month. I went to their website and allocated the total amount owed on loan XXXX to pay it in full. The guy, I chatted with said I will need to call them once it posts and again tell them it is to pay off the balance of my small loan. I should not have to pay any interest after today on that loan since I sent them the total amount he said I should pay. I am so nervous that this is going to get jacked up by them. 
Please help me. It is my money and I should be able to allocate which loan I want to pay since there website is set up to make you believe that is what you are doing. 
It seems shady that I have to follow-up every time I pay extra on my loans. 
Thank you and I pray you can help me resolve this issue. 
Regard, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello its been over 30 days ago. I just looked at my credit report and it has XXXX XXXX XXXX Collection Account for {$860.00} & XXXX XXXX for {$170.00} thats Not mine Fraudulent Account obviously. I told them the last time The other bureaus told me that my information was on the XXXXXXXX XXXX and also in a data breach. I also saw 17 credit inquiries these I never gave written or other wise permission to pull or see my Transunion Credit Report ( XXXX XXXX XXXX XX/XX/2022, XXXX XXXX, XXXXXXXX XXXX XXXXXX/XX/2022, XXXX XXXX  XX/XX/2022, XXXXXXXX XXXX XXXXXX/XX/2022, XXXX XXXX XX/XX/2022 and XXXX XXXX XX/XX/2022 ) Delete please. I never authorized or gave permission to run my credit unless Im called first. I gave them my correct phone number and told them Transunion said they Im totally understood and even reassured me it wouldnt happen again and they would remove the previous inquiries and they didnt. Now I told them I would involve CFPB if there was anymore inaccurate and erroneous reporting that Violated my FCRA now my FDCPA rights are being Violated. My credit has suffered enough behind these Credit Bureaus and now there totally not caring what they add or dont take off as long as you dont involve CFPB. I want the true reflection of my credit report to be seen. Thanks for your assistance concerning this very important matter.
Product: Debt collection

The company sent me a letter stating I owe {$50.00} that I never paid to XXXX XXXX XXXX. I never received I bill from XXXX XXXX XXXX telling me I owed this money and as I worked at XXXX XXXX XXXX I found this odd. I asked for an original notice ( itemized ) from XXXX proving I owed this money. They sent me an itemized bill but it stated that it did not show what money was owed. I called them and was told by their employee I had to get that information myself. I sent a certified letter advising it is not my responsibility to prove their case but if they will send me proof of money owed I will be more than happy to pay the bill. They sent me the same generic letter from their office stating that I owe {$50.00}. As I have never received a bill from XXXX XXXX XXXX I do not have proof of this bill. 
The company in question is : Medicredit XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
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 XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account # 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 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

I HAVE ATTACHMENTS IN THE ATTACHMENTS I HAVE LISTED THE FRAUDULENT NAMES AND ADDRESSES ALSO I HAVE ATTACHED MY FTC FORMS OF ID THEFT.
Product: Payday loan, title loan, personal loan, or advance loan

Eagle Loan company calls every single day and sometimes more than once a day. More than 7 times a week to get a payment.They have been harassing my workplace and also family members that they should not even know about. 
I almost had my loan paid off last year and then they kept contacting me to get another loan and that is why I can not pay it now
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed a letter to XXXX and Equifax informing them of the incorrect information they are report on my consumer report. The name and address do not belong to me. I have attached my Driver license which have my correct spelling of my name and also my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union docked my credit score by XXXX points, about XXXX percent, even though my debt went down, all accounts were in good standing and my balances were lower than the prior months. I have a copy of my report attesting to this. 

I did a mortgage refinance and advance prepayment last month that dropped the money owed on my home from $ XXXX to $ XXXX. They told me over the phone that closing one account and opening another " can lead to your score being lower. '' Sure, but by that amount is ridiculous. 

I also asked two agents why my wife had her score go up significantly despite being a co-borrower with me on both mortgages. They could not answer that, which is unacceptable as it offers no accountability for a score that appears randomly plucked from thin air. Docking the score by that much is abusive, given the context. There is no reason I should be considered a higher credit risk for taking steps to lower debt. This is why the credit reporting agencies are considered a racket in this country and should be dealt with. 

The agents told me there is no way to obtain a written explanation for the drop. What I want is some written accountability behind their reasoning so I can take this to the proper channels and seek legal remedies if needed. They have to be accountable for their scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX } { Credit Bureaus : ALL XXXX } { XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX  }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
Product: Credit reporting or other personal consumer reports

XXXX. The account you are reporting is identified as an installment loan which is factually incorrect. Please remove this account from my credit file immediately. 

XXXX. The true account type for this account is a Credit Sale Agreement. Please remove this account from my credit file immediately. 

XXXX. I have the right to an accurate credit file and discrepancies like this are unacceptable. 
Please remove this account from my credit file immediately. 

XXXX monthly payment reported on this closed account- how can there be a monthly payment on an account that's not even open? 

RE : XXXX Account : XXXX I accept no responsibility for ownership of this debt ; I recently views some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file is incorrect : XXXX Account : XXXX I look forward to resolving this matter quickly. Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint!
Product: Debt collection

I am receiving mail from a collection agency at an address in Delaware that I never resided at for a credit card account that was opened in XXXX. The account was paid in full in XXXX with a home refinance. The account is 19 years old and too old to collect on if it wasn't paid off. they were notified by me that I do not reside at the Delaware address, that that is no longer my last name and that I do not know what they are talking about and gave them my correct address to contact me. they responded in writing to Delaware address with a copy of a credit card offer I filled out in XXXX with all of my vital information including social security number written on it and not redacted any of it to prove I owe this debt. all that proves it that I applied for a credit card in XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed an account with XXXX XXXX XXXX ( XXXX ) about a XXXX XXXX account that they bought. I reviewed my consumer report today, and under remarks they have that I disputed the account and that it meets FCRA requirements. I did not conduct any type of business with XXXX. I did not get a letter from XXXX as I do not live at that address on the letter ( attachment ) that was sent to me when they responded to my dispute on this website. They did not meet the FCRA requirements. How can they re-age an account that they bought from XXXX XXXX? It is illegal to re-age a debt by reporting it to the credit bureaus after purchasing it in the secondary market. I have not and will not make any payments on this account There is no date of delinquency from the original creditor. Legally, this is considered a continuation of the original date. The open date they have is when they purchased it and that date is inaccurate. There is no date of last activity, no charge off date, and the payment history or summary is in accurate. How can XXXX buy an account and put it on my consumer report as if I did business with them? Send me proof that I gave XXXX  XXXX permission for XXXX to collect on this debt and that I gave XXXX XXXX permission to sell the alleged debt to XXXX.
Product: Mortgage

Nationstar Mortgage bought my mortgage from XXXX. As part of the mortgage payment, we have an escrow account for the property tax and house insurance. Every XX/XX/XXXX and XXXX, the property taxes are due. Nationstar never paid the property taxes in XX/XX/XXXX. When I called, it took them XXXX minutes to cofirm the contact information for the county treasurer 's office but would n't take the information from me over the phone. They are trying to put me off by " escalating research '' to find out why the taxes were n't paid. ( I do n't care why THEY messed up. Just pay the taxes! ) In looking at this company 's information on the internet, I ca n't understand why you let them continue to operate?!! The complaints about this company are overwhelming. They are clearly incompetent, predatory in the marketing practices ( they annoy me constantly with email and mailings about refinancing our XXXX % mortgage ), and should not be buying mortgages. Please investigate this company.
Product: Debt collection

Old debt from XXXX XXXX XXXX that was sold to Law Offices of Robert A. Schuerger Co. , LPA XXXX XXXX XXXX XXXX, Ohio XXXX WWW.SCHUERGERLAW.COM. 
The debt started off at {$900.00}. Since these sold the debt its more than tripled to XXXX dollars. Theyve already taking my state taxes and now theyre talking wag garnishment. 
I reached out willing to pay the original debt of XXXX that was already written off by XXXX XXXX XXXX. But the debt collectors who purchased the debt are getting greedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my SSN card and Drivers License for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.