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

I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information INDIVIDUAL BANKRUPTCY DISCHARGE XXXX XXXX XXXX
Product: Credit card

After issuing a credit line of {$1000.00}, and after months of regularly scheduled payments, Care Credit, through Synchrony bank.in XXXXXXXX XXXX reduced the credit line to {$530.00}, the approximate pending balance, even though the account is in good standing and there was no attempt to use the additional funds on the line. These actions serve to negatively affect my credit scores with all 3 credit reporting bureaus. These entities should not be able to arbitrarily take such action with the end effect of wreaking havoc on my credit scores. These have taken similar actions against accounts in my husband 's and daughter 's names, both of which come out of the same budget and household income, separate complaints for which are being filed simultaneously herewith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm writing today to file a complaint against Navient. Navient sent my 9 private loans into collection and has reported it as charged off on my credit report. I had been battling with Navient for months due to financial hardship I was unable to make my payments. Without any repayment plays other than forbearance, my account was sent to collections. I have since made arrangements with Navient where I am on a repayment plan that includes paying Navient faithfully every month {$250.00} dollars at 0.01 % interest rate. My total current balance of these loans is {$7900.00} which I have been trying to pay off since graduating college in 2011. Due to the astronomical interest rates on these loans, I have never been able to make a dent in the principal balance, it is a constant revolving debt of interest. I am a XXXX XXXX and am trying to move out of my parents house and become a homeowner. My credit score has been absolutely dismantled because of Navient 's credit reporting of charged off/account past due every month even though I faithfully make the direct debit payment of {$250.00} a month. I have been working closely with a credit repair company to increase my credit score so that I can qualify for a refinance in order to pay off all of my private student loans at a lower interest rate and finally get out of this ridiculous student loan debt. I can not do that though if Navient continues to report my account as charged off/past due. I would like for Navient to please report me as on time paid to the credit bureaus so that I can finally pay off these loans and move on with my life.
Product: Debt collection

The company in violation is Tower Loan. They have been calling me excessively daily for the last 2-3 months I explained my financial situation to them being that I was displaced from work in XX/XX/XXXX due to Covid. I was receiving unemployment which is what I was using to pay the debt back until it was halted. I explained to them countless times that I have no help with this all I can do is pay once I get my taxes. The Balance on the account is around {$400.00}. Even after I explained this to a rep and a manager they tell me that the account would go into legal status and theyll garnish my paycheck. I explained Im currently not working so there is nothing that can be garnished therefore its an idle threat. Then I was told that it would be in legal status that following Monday. I explained with me not currently having any funds theres nothing I can do about that at the moment. Then after that Ive still been getting calls daily sometimes more than 3 a day from ( XXXX ) XXXX. They have called my moms house repeatedly as well at ( XXXX ) XXXX. She told them that I no longer live there and to remove her number and they called right back on XX/XX/XXXX. They also approached her at her home to deliver a bill for me back in XXXX. Which was very unusual and disturbing. Then I receive a call XX/XX/XXXX from them and spoke with a XXXX. He went over the account saying that he understands that Im not currently employed from the notes and asks about unemployment. Again I explained that Im not currently receiving that due to them being backlogged for appeals and still havent heard back. I explained the best I can do is pay it when I got my taxes. He says that they cant wait that long and need a payment now otherwise would be garnished and sued explained that they cant garnish me because Im not currently working. I also explained that I was told that this would have been going into legal status back around XX/XX/XXXX so should already be that. And asked that they stop calling me because I literally cant make the payment until I can. And to do what they need to do, then disconnected the call. XXXX  calls right back saying that they dont have to stop calling me because I have a loan with them. Which was a mailed solicitation by the way. I explained my rights as a consumer and told him that I will be filing a complaint with the CFPB. He tells me that Im wrong and there are no such laws. They dont have to stop calling or threatening garnishment or lawsuits. Explained that the law prohibits calling to make idle threats such as those in order to provoke a payment being made. He asked who told me that. And I explained that when I worked in loan servicing we had to learn both state and federal laws surrounding this and explained that I will be filing this complaint for non compliance. Again he said that those things are not true. Then I told him that I will be disconnecting the call and filing this complaint immediately. Will keep record of any calls from them after the conversation today. The file attached is my last payment to them which was in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, XX/XX/2019a company by the name " XXXX XXXX XXXX '' just popped up on my XXXX, Equifax, and XXXX credit report file. The original debtor is XXXX XXXX XXXX! This account does not belong to me, as all my bills have always been in my husband 's name. When I try to contact XXXX XXXX XXXX, my calls are not be accepted, their recording says their too busy to take my call. I have filed a dispute with XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. An auto loan opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. A personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a personal loan account opened at XXXX XXXX  under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several items that appear to be unverifiable, invalidated, inaccurate, or questionable. These items were not thoroughly verified or reported correctly by the respective agencies involved. As a result, I am deeply concerned about the negative impact they have on my creditworthiness and financial well-being. 

These items are a direct violation of the Fair Credit Reporting Act, specifically under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ). These provisions mandate 100 % accuracy in the reporting of information on my credit report. It is disheartening to see that these requirements have not been met, leaving me with an unjustified burden.

The Credit Reporting Agencies claim that these accounts were properly investigated and came back as verified. However, I am puzzled as to how this can be true when several inaccuracies are evident in my report. It raises concerns about the thoroughness and effectiveness of their investigation procedures.

As a conscientious consumer, I kindly request detailed information regarding the steps your agency took to ensure that these items were reported with 100 % accuracy, as required under 15 U.S.C 1681i ( 7 ) Method of Verification - Description of reinvestigation procedure. Transparency in this matter is crucial for the fair resolution of my complaint.
Product: Vehicle loan or lease

XXXX XXXX reorganized in XXXX for financial reasons and my loan was not accessible to maintain online payments and an online request was made to payoff the loan for approximately {$3000.00} via the XXXX XXXX XXXX website. 7 years later, XXXX 's attorney XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX garnished my pay for more than the remaining balance due on the loan totaling {$4400.00} as of pay period endingXX/XX/XXXX. I filed an Exemption with the Court system on XX/XX/XXXX because I am a Single Mother of XXXX children, whose eldest is XXXX XXXX and my income is the only means of support for my children. If XXXX XXXX received a bailout, restructured, making my account inaccessible for payoff, how is it legal for them to gouge in access of the balance due several years later jeopardizing the welfare of my children and negatively impacting my credit?
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX and so on
Product: Debt collection

Collector has called me and my family multiple times between XX/XX/XXXX and XX/XX/XXXX to attempt to collect {$840.00} for their client or their client was going to sue me for over {$2000.00}. 

This is stemming from a supposed auto withdraw I had set up with their client for {$60.00} every other week. They claim that last time they received a payment was XXXX. There has been no communication with me previous to this recent call barrage about owing this debt. They would not give me any details about the debt except the parent company 's name. The only arrangement I had like this was not with this company and satisfied some years ago. I also called the company, that I had this sort of arrangement with, on XXXX to validate that I owed nothing. 

When speaking with them today, I told them they either had the wrong person or this was just bogus. The representative I spoke with gave me the last 4 digits of my SS # but I would not validate that so she disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at my credit report I found many accounts that are reporting inaccurate that aren't mine. These accounts are causing serious harm to my credit profile. On XX/XX/2020 I wrote Equifax about these inaccurate accounts reporting that aren't mine. THEY HAVE FAILED TO RELPY BACK WITHIN 30 DAYS. PLEASE DELETE THESE HARMFUL ACCOUNTS.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} 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

XXXXXXXX XXXX  XX/XX/XXXX shows late payments, the account was paid off XX/XX/XXXX, I XXXX XXXX  XXXX  and the pymts were made in the month, not sure why they reported it 30 days. This just showed up on my report as i was monitoring my credit and I found out by a card being declined for late pymts. And i have another loan with the same co. I want this acct removed from my report as it is closed and paid off. 

Thank you
Product: Credit card

On XX/XX/XXXX I contacted comenity bank about resolving a record of late payment for the month of XXXX of XXXX on my express credit card. I believe I had autopay set-up, therefore there should not have been any missed payments. I've had the express card for XXXX years without any issues. When I spoke with the representative, they informed me they did not have access to modifying the record, and offered the credit bureaus ' phone number, which would not help me resolve the issue. I requested The phone number to the department that is in charge of dispute and credit records for the company, to which they responded that a phone number for that department does not exist, just a XXXX XXXX XXXX This is not acceptable, as I am dealing with a time sensitive matter that would not be resolved in time if I have to rely on sending letters to their XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Never lived in this complex & it has that i owe {$100.00}. It was deleted from my XXXX report but not stayed on my XXXX report.
Product: Credit card or prepaid card

WE REPORTED UNAUTHORIZED CHARGE (FRAUD) TO CHASE MARRIOTT VISA FOR A TRANSACTION SHOWN ON THE MONTHLY STATEMENT.  IT WAS $XXXX  CHARGED BY XXXX XXXX ON XX/XX/2019.  HOWEVER, WE DID NOT AUTHORIZE THIS CHARGE NOR HAVE ANY KNOWLEDGE ABOUT WHO THIS MERCHANT IS.  THE TRANSACTION HAPPENED DURING OUR TWO-WEEK TRIP IN XXXX BACK IN XX/XX/2019.  MANY SMALL SHOPS / RESTAURANTS HAD POSSESSION OF OUR CARD, AND THE CARD WAS OUT OF OUR SIGHT MANY TIMES WHEN THE MERCHANTS BROUGHT IT TO CARD READER IN A DIFFERENT ROOM. CHASE CLAIMS THAT XXXX XXXX CHARGED $XXXX VIA THE NEW CHIP ON OUR CARD, THEREFORE, CHASE DECLINES OUR CLAIM ABOUT THIS UNAUTHORIZED TRANSACTION AS FRAUD.  WHEN ASKED CHASE IF THE MERCHANT WOULD PROVIDE OUR SIGNATURE AS PROOF, THE REQUEST WAS DECLINED AS CHASE STATED THAT THIS WAS NO LONGER NECESSARY WHEN TRANSACTION OCCURRED WITH THE NEW CHIP ON CARD FEATURE. AS A CONSUMER, WE BELIEVE CHASE IS USING THE NEW CHIP ON CARD FEATURE TO VOID ITS PROTECTION LIABILITY AGAINST CREDIT CARD FRAUD. CHASE FAILS TO FULFILL ITS RESPONSIBILITY TO CUSTOMERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete all inaccurate information that isnhurting my file with experian. looking over the report alot of data has been invalid and caused alot of denials due to mislead information. please review an delete all listed items asap to help clean my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit scores via XXXX XXXX, XXXX XXXX and Equifax have arbitrarily and with out just cause lowered my credit scores XXXX by 38 points and Equifax by 51 points. I have recent inquiries and am update on all payments. They refuse to take my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Few months ago I received a call from Capital one about a transaction taking place at XXXX XXXX XXXX XXXX and XXXX, I did not approve the charges once I was at work. So Capital one cancelled the card and sent a new one and charges weren't on my account. However, I did discover few weeks later that those charges did hurt my credit score since I went over the limit. This week I received a letter from XXXXXXXX XXXX XXXX that the {$450.00} were for cleaning that took place to a car I rented from them last year. They did apologize for that and sent me a correction and apology letter, but I would like to take this off my record please.
Product: Credit card or prepaid card

I have attempted to change the business name and address for my business credit card for the past year, from XXXX XXXX to XXXX XXXX Because the XXXX XXXX name keeps appearing on US Bank 's statements, the Post Office has not been able to deliver the mail with the statement to my business. The " unit '' for my business address must have " XXXX '' for the mail carrier to recognize that the mail belongs to me ; without this, the mail carrier is forced to return the mail to the sender, US Bank. 

Whenever I call US Bank, they tell me different supporting docs are required to have the business name changed. I have faxed US Bank the requested docs at least 4 times since XX/XX/XXXX, and these faxes are attached. The last couple of times I've called, the reps and supervisors on the phone have ensured me they have received everything to change this business name and address, and they need 2 weeks to implement the change. 

As of XX/XX/XXXX, the statement that I must keep pulling online still has my old business name on the address, and I have yet to receive a statement in the mail. 

US Bank must tell me over the phone exactly what proof is needed to have this name changed, not keep changing their story on what is required, and not force their customers to fax multiple times their requested docs. I speak to different reps every time I call, which is expected from a big company like US Bank, but they must be trained to advise their customers consistently, since they are after all one company. They should not make it difficult for their customers to actually pay their bills on time. And I don't know why US Bank has all these requirements just to change the address so that the proper business name appears and the mail carrier can deliver my statements without confusion. 

I assume US Bank is not maliciously making this difficult just to try to have me miss payments, and pay interest.
Product: Money transfer, virtual currency, or money service

Long term user of a Paypal account and Business Debit Card. Recently, my son paid his rent to our family via " friends and family '' of {$500.00} on XX/XX/2022. The money came into my Paypal account minus a fee of {$14.00}. I immediately refunded the {$500.00} payment to him which should have reversed the transaction and the Paypal fee of {$14.00}. 

Instead, they took {$500.00} from my corporate bank account to pay back my son and that took 10 days for him to get the money back into his bank account. 

I have spent over XXXX hours trying to get this fee refunded. 4 days ago, a Paypal representative said he would refund it. He lied, no such credit back to my debit Paypal account or bank took place. 

Today, I called again, after all, messaging for 12 days resulted in nobody at the other end responding. ( a joke and probably intentional so people give up ) I don't give up, ever. I warned Paypal I would turn them in today since the phone chat went badly and the supervisor on the line said the policy changed the day the transaction took place which was XX/XX/XXXX. She said no more friends and family will be allowed at XXXX fee " into '' a business account. 

She lied. I am attaching the email document that clearly states this policy was to be implemented in the future, which is XX/XX/2022! 

I think companies that lie openly need to be investigated by a major audit of all transactions when they are fraudulently taking hard-earned money in illegal fees and doing so against state lines. 

I encourage you to personally investigate them on a wide basis to uncover other transactions similar to mine in fraudulent activity and illegal fees taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the MIDLAND FUNDING still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.