23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, XXXX XXXX I received an email from Navient that my monthly billing statement is available for payment due XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX I paid the bill and received an email for payment confirmation for payment due XX/XX/XXXX. 

On XXXX XXXX at XXXX XXXX  I received an email saying private student loan payment reminder for payment due XXXX XXXX. 

I got to the website to find that they took my {$500.00} payment for XXXX XXXX due date and applied it to all XXXX private loans.. But are also trying to charge me an additional {$310.00} for the same bill claiming I only paid XXXX of the private loans this month. This is false. 

They have done this before, XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I lost my job and needed to get some money to pay rent. I got a title loan from Ohio and they are very shady. I never should have done this. I am behind on the loan because I lost my job and am facing eviction. They REFUSE to give me their corporate office phone number!!! And are very vague about a possible threat of re-posession. Their manager said they could " cap '' the loan so when I pay the full amount, it would be settled, now they say " no ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my profile to be In accordance with the Fair Credit Reporting act. The List of accounts below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All credit inquiries Apartment complex in MI XXXX, has violated my rights. Per 15 U.S.C 1681 section 602 A. I have the right to privacy. Per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer, It states a consumer reporting agency can not furnish a account without my written instructions. They do not have my written instruction. Per 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. Per 15 U.S.C. 1681s-2 ( A ) ( 1 ) ... .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 or other personal consumer reports

TransUnion and XXXX has allowed XXXX XXXX to continue to damage my credit reports in violation of my rights under the FCRA. Two XXXX  XXXX credit cards were charged off in 2020 yet XXXX XXXX did not provide me with a 1099 for each account, they are reporting incorrect balances over the limits I had when the cards were open, and they continue to report both cards as open as if the charge off happened the month before. These two accounts have been taken off my XXXX report yet TransUnion and XXXX still post one or both of these accounts knowing they are damaging my credit scores. My XXXX score, which removed these accounts, is XXXX points higher.
Product: Debt collection

I sent this debt collector asking to verify this debt. 
They did not include a copy of the medical documents I requested. Instead they sent me another letter stating I owe the amount.
Product: Credit reporting or other personal consumer reports

Hello My Name Is XXXX XXXX I sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. There are some inquiries on my report that was not authorize by me and that reporting that Dont Belong To Me Its Many People With Same Name As me So Its got ta be a mix up however I did some investigating. Heres the inquiry names and dates ( 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 According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do proper investigation according to the law. 
Also every piece of information on this account is not reporting 100 % Accurate. 
According to FRCA 15 USC 1681 Everything has to be 100 % accurate Please remove This Account Im looking for this company to reinvestigate this account because it does not belong to me also remove from my credit file delete out they system because this my third time asking them to remove it does not belong to me Im bout to take legal action at this point I need to know who verified this account also send me copy showing they deleted out they system This my third time submitting a complaint yall refuses to move this account after I sent paperwork showing that the account is not mine Im asking its deleted from my consumer report Im asking they reinvestigate because obviously they not taking me serious please remove inquiries off my account thanks
Product: Credit reporting or other personal consumer reports

From XXXX to XXXX I used to pay for Lexington to fix my credit they never fix it
Product: Debt collection

I spoke with a rep at PRA in XX/XX/2016 that agreed to have a collection item deleted once it was paid In XX/XX/2016 I settled an account with Portfolio Recovery Associates Contingent upon all negative information being deleted from all 3 credit bureaus. In XX/XX/2016 I spoke with a representative in the collections dept. for XXXX XXXX XXXX. I explained to the rep that the account was fraudulently opened with my social and is being reported to my bureau. The rep then explained the dispute process. I told her I needed off my XXXX, since it wasnt mine. She told me it would take 7 years if I didnt pay it. She said if I Paid within 30 days she would have deleted from my credit bureaus. Since I was in the process of getting a home loan I decided to pay it, rather than go through the dispute process. After payment I made numerous efforts to contact the collections department for a deletion letter but was given the run around. I am unable to find the account number but my SSN # XXXX .PLEASE HAVE THIS COMPANY INVESTIGATED. I WOULD HAVE NEVER PAID THIS ITEM IF THEY DIDNT PROMISE TO REMOVE IT FROM MY CREDIT BUREAUS. I WOULD HAVE DISPUTED IT
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting or other personal consumer reports

ServisFirst Bank ran a hard credit inquiry on my credit XX/XX/2024 without my consent. My account has been in outstanding good standing with no lates, adverse actions etc. Im requesting to have this inquiry removed as it has drastically lowered my credit score that Ive worked very hard to build.
Product: Debt collection

I received a letter stating I owe {$600.00} to XXXX from a collection agency I called XXXX and when spoke to a phone associate and mention I did n't use XXXX and never use there cable or requested there service he mention a name that I do n't know the person when ask to verify if the information they had on file was correct and I let him know that my SS # is mine but not the name they had on file so was transferred to fraud department I told him the same information but now he would n't give me the name and city were the account was open that I had to submit my ID and a police report so I went to my local police department they said I have to file were they used my information that I could n't file a report local so again I called XXXX now they said I needed a supina before they could release information but I ca n't place a police report cause I do n't know were they used my SS # and XXXX wo n't give me that information so I called XXXX to place a fraud alert on my name and I also file on FTC.GOV/THEFT wed site so now I do n't know what else to do please help.
Product: Debt collection

Someone from the company  XXXX   XXXX   XXXX   XXXX  is calling, representative named  XXXX   XXXX  's, is stating he 's an Investigator for  XXXX  County and will be serving me at my place of employment. I asked them to send a letter to my home address and they are refusing. They will only send me an email.
Product: Mortgage

See earlier complaint No  XXXX . Just received a letter from  Citibank  referring to some unknown research it wants to do and looks like it will for the 40th time attempt to delay forclosure sale scheduled for    XXXX   . After 100 months, it has had 8 years to do any research it wants and this is just another attempt to delay the sale to increase the amount the debtors will be assessed to pay over sale price. We are protected from paying because of bankruptcy and any attempt by citi will result in damages from the  Bankruptcy Court a nd it aware of this fact. The issue is we have to pay  XXXX  per month to maintain homeowners insurance for liability. We have paid {$40000.00} for this coverage and been denied any effort to obtain any mortgage on another home for 8 years and will be denied for 2 years AFTER sale so the unnecessary damage to my family  is a miscarriage of justi ce and violates the Bankruptcy intent to provide debtors who lost everything because of the   XXXX   greed of our " too big to fail '' institutions.     Please con vince Citi t o go forward with the sale on  XX/XX/XXXX . Do n't let its continuing delays harm us any further.     Thank You
Product: Credit reporting or other personal consumer reports

This is the XXXX complaint I have a police report a XXXX XXXX report by XXXX XXXX XXXX Police Report case number # XXXX. I had to XXXX XXXX XXXX Police XXXX on XXXX so he could do a report and open a case again TRANSUNION that has allows XXXX XXXX to fraudulently once again reopened a closed charge off account from XX/XX/XXXX from a dispute completed on XX/XX/XXXX which ruined my TRANSUNION XXXX XXXX from a XXXX to a XXXX I received notice that the account once again reopened on XXXX XXXX per TRANSUNION from XXXX XXXX and they have updated fraudulent information again on XX/XX/XXXX and closed this XXXX XXXX account once again and updated with a fraudulent closed date of XXXX this account you will see with tut documents uploaded from a TRANSUNION annual report on XXXX that this account had a closed charge off date of XXXX I am going to upload a voice recording dated XXXX from TRANSUNION Dispute department stated that all the information they was given came from XXXX XXXX telling them it is verified.on what do to with opening and closing this aged account that not aged not because they fraudulently added a new closed date of XXXX. This is a FCRA violation and this is a FRAUDULENT reporting incorrectly closed dates on purpose by the creditor XXXX XXXX time TRANSUNION stated they cant do anything its XXXX XXXX that is reporting all the information to us. I am SICK and TiRED and SOMETHING need to be DONE and this complex needs to be PROSECUTED for this..I have also filed a FTC Identity fraud complaint as of today XXXX against XXXX XXXX IDENTITY FRAUD ACCOUNT and IDENTITY FRAUD credit reporting..
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a personal credit card and was approved for it. When I tried to log into the personal account, I could see the account in the backround was my log on for the company account, I work for. I contacted capital one the following day as I did not want my work accounts associated with my personal account. After an hour and speaking with 4 different people who some said don't log into that account and another who removed my personal email from my personal account. It still could not be fixed, I went to the bank and was told after calling from the branch to the credit card services to wait 72 hours for the system to work though the issue. It is now Monday the XXXX and called Capital One from home and they again had me try to log into my business account and could not fix it. I canceled both credit cards I have on file for personal use with Capital One. Then I went to work, and a letter was sent to me regarding my account haveing not been used in years and they were going to close it. I assume this again was my PERSONAL account sent to my work address. There is NO reason why my personal accounts should be linked with credit card accounts I use at work for bookkeeping purposes only! 
One attached Doc shows my work email affiliated in background for sign on not my personal email which is where the link came to sign on.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. My date of birth is XX/XX/XXXX and my Social Security XXXX is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts and addresses from my credit file. While checking my credit report, I noticed accounts, I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that XXXX XXXXas under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. 
Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I also noticed that my current address is not being displayed, please add my current address which is XXXX XXXX XXXX XXXX XXXX, CA XXXX, additionally, I also found fraudulent names, addresses, employers, and inquiries. 
FRAUDULENT ACCOUNTS! 
BANK XXXX XXXX Balance : {$XXXX} Balance updated : XXXX XXXX, XXXX Credit limit : {$XXXX0} Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Revolving FRAUDULENT AUTO LOANS OR LEASES! 
XXXX XXXX XXXX XXXX : {$XXXX} Balance updated : XXXX XXXX, XXXX Original balance : {$XXXX} Account number : XXXX Open/closed : Open Date opened : XX/XX/XXXX Account type : Installment FRAUDULENT COLLECTIONS! 
XXXX XXXX XXXX XXXX : {$XXXX} Balance updated : - Original balance : {$XXXX0} Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection Account Status : Unpaid Status updated : XX/XX/XXXX FRAUDULENT INQUIRIES! 
XXXX XXXX date : XX/XX/XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX OF XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX FRAUDULENT NAMES! 
XXXX XXXX FRAUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX
Product: Debt collection

I have previously submitted a complaint against this company. They have now ( XX/XX/2024 ) called me more than 7 times in a 7 day period. They call me starting at XXXX & proceed to call every 2 hours or so.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed the following information are in error : Addresses XXXX XXXX XXXX XXXX PA, XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. Please delete the above address and from my report immediately. 

I have included a copy of a utility to verify my address
Product: Credit reporting or other personal consumer reports

I am writing to demand a detailed explanation of the so-called investigation process you undertook concerning the XXXX account listed on my credit report. Your response to my previous dispute was wholly inadequate, and I insist on a comprehensive description of how you conducted your investigation into this erroneous entry.

Specifically, I require the following information : Method of Investigation : A detailed account of the steps you took to investigate this dispute, including the specific methods used to verify the information provided by XXXX. 

Correspondence : Copies of all communications between Experian and XXXX regarding my dispute, including any documents XXXX provided to substantiate the debt.

Verification of Accuracy : A clear explanation of how you verified the accuracy of the information reported by XXXX. Include the name and contact information of the individual or department at XXXX who verified the information. 

Investigation XXXX : The exact timeline of the investigation process, including dates of all actions taken by Experian and any responses received from XXXX. 

Compliance with FCRA : An explanation of how your investigation process complies with the Fair Credit Reporting Act ( FCRA ), specifically how you ensured that all information provided by XXXX was accurate and complete. 

Your failure to properly investigate and verify the disputed information on my credit report is unacceptable. If you can not provide a thorough and satisfactory response to this letter within 15 days, I will consider pursuing legal action for your failure to comply with the FCRA. 

I expect an immediate and comprehensive response to this letter. It is your legal obligation to ensure the accuracy of the information reported on my credit file, and I will not tolerate any negligence in fulfilling this duty.
Product: Consumer Loan

I received a preapproval offer in the mail from Avant. I decided to apply online with the preapproval code they gave me and was informed based on my credit ( they pulled online during application process ) I was approved for XXXX. I did not need XXXX but applied for XXXX instead. They asked me for my personal bank account information such as account number and routing number. I thought this was a bit odd but I complied. For the next several days the website informed me that my documentation was in process. I received several phone calls from them asking me the same questions ad nauseum. I found this a bit unprofessional and lends to my reason for filing this report. This morning I received a denial. I 've been denied before, but I am a little concerned when a bank asks me pertinent information with regard to me bank account without actually approving me. I am inquiring as to whether or not this is a standard banking practice. If not, what are my options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing two loans with XXXX when there is only one and it was  paid off in XX/XX/XXXX. They are still showing a XXXX XXXX late payment when it is a student loan in deferment. I called XXXX XXXX and they never called Equifax to report delinquency. I have one mortgage loan with XXXX. Equifax put on a Hard inquiry for a mortgage and there is also a hard inquiry from XXXX in XXXX. I never ever had XXXX especially in XXXX when I live in Indiana. Every time I turn around there is another issue. My credit score was XXXX until this happened. The XXXX account should be closed and there shouldn't be two. The hard inquiries especially from Equifax should be deleted and the XXXX XXXX account should reflect deferment since they were never contacted. This is very frustrating. I have worked hard to get my credit in the 700 's then this ... .I hope you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 30 )  days late on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This was a secured credit card. I made the deposit for this card however, when I received the card I did NOT activate it and I have never even used the card and consequently I never received any bills on this account. I was not aware that there was a late reporting on this account until I obtained a copy of my most recent credit report. This account is inactive so how can there be a late reporting? This false reporting of lates 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.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX