23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Last XXXX I made a payment and the interest went up {$6000.00} from the time Navient took it from XXXX  (? ), and I only have one loan and they have me down as two. They said the interest was only a little over a dollar a day. Previously they didn't even have the right ssn or birthdate and now they do. I thought through the pandemic that interest had stopped.
Product: Debt collection

Disputed amount via XXXX that account belong to ex spouse that fraudulently used my information. XXXX XXXX continues to report derogatory mark on my report.
Product: Mortgage

XXXX/XXXX/2017 -- I tried making my payment of {$610.00} and found out that they had a new process of adding fees to payments such as One-Time Draft Fee Schedule On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} My payment with my previous lender was on the XXXX of the month because I am on social security and only get paid the XXXX  Wednesday of the month. When the mortgage was sold to this lender my first payment was last month and I paid {$610.00} on XXXX/XXXX/2017 without penalty and I also talked to representative at that time and he stated that I had 15 days to pay without penalty. They are not calling this a late fee but it really is. They changed my payment date and are charging for being late -- I believe as a XXXX Veteran on Social Security they are scamming me. The name of the company is Loancare in XXXX XXXX, VA XXXX -- watch out for these crooks.
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XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Indiana XXXX XXXX
Product: Credit card

According to the XXXX XXXX  XXXX, the general car repair and maintenance behavior of the children of this company caused me to rent a car for too long. They agreed that I would pay this bill. In fact, the bill was still deducted from my credit card. They promised that I would deduct it from their company account. The bank is here because my XXXX is not very good. They hang up the phone at will. 
Wells Fargo Claim details # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the company and I just reread the information in writing and they still asked me to send an ID and Social Security card but the information got deleted from XXXX XXXX and XXXX XXXX XX/XX/XXXX which is wrong we have fresh finger hair in I also sent the company a police report on explaining that it was identity theft and from an individual with the same common name because my name is a very common name in XX/XX/XXXX on XXXX  XXXX XXXX was removed andXXXX XXXX, 2021 XXXX XXXX XXXX XXXX was deleted from XXXX XXXX and also XXXX XXXX home in the file idea XXXX I would like a update To my credit profile and delete the incorrect information that can not be verified my signature on it youre not at itemization data sheet
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an ongoing issue with Equifax, XXXX, and XXXX that has been going on for well over a year. Equifax, XXXX, and XXXX are reporting a bankruptcy on my credit report that is clearly unverified. I have disputed the egregious information as well as sent documentation supporting my claim as to why the information should be deleted from my credit report. I have also filed previous Consumer Financial Protection Bureau reports and Equifax, XXXX, and XXXX continue to report the information as accurate and verified. At this point, it is evident that either a proper investigation is not being performed or they are being willfully negligent. Equifax, XXXX, and XXXX are in violation of F.C.R.A. 611 ( 15 U.S.C. 1681l ) and I am requesting that the information referenced in this complaint be deleted immediately from my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I noticed that there is an unauthorized account and inquires on my credit report that I didnt authorize or give permission to open or inquire.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Account info Account number XXXX  Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account number XXXX  Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Account number XXXX   Open/closed Closed Date opened XX/XX/XXXX Account type Credit card
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 



I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

On XX/XX/2023 I contacted Mohela for XXXX at their customer service number XXXX to explain a current financial hardship I am currently experiencing. After reading their website regarding deferment and forbearance options ( XXXX XXXX XXXXXXXX, I called to see what I could qualify for advising the company that I am unable to make the upcoming payments but could resume in the next couple of months. After being asked to provide financial information I was advised that " with XXXX dollars left '' I am not eligible for any assistance. I asked what the eligibility requirements were and if I could qualify for a one time, one month forbearance as detailed on their website and was advised I don't qualify for anything and they don't provide the eligibility requirements. I called back a second time the same day to update my financial information and was informed that I would have too much money and don't qualify. The qualifications and eligibility appear to be completely arbitrary and capricious. After 5 years of positive payment history " Mohela for XXXX '' would rather see my loan go into default that offer any type of assistance even the one month they claim is offered.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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: Debt collection

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

XXXX XXXX XXXXXX/XX/year> {$8800.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Bridgecrest for inaccurate credit reporting and its failure to comply with federal requirements regarding debt cancellation reporting. Bridgecrest has reported to all three credit reporting agencies that the balance on my account was charged off and reported as a profit and loss to the IRS on or around [ Insert Date ]. 

However, I have not received a 1099-C form to report this as income, as required by federal law. Furthermore, the account is inaccurately reported, and I am requesting its removal from my credit report entirely.

Specific Issues : Failure to Provide 1099-C Form : If Bridgecrest has canceled this debt and reported it as a profit and loss to the IRS, they are required to issue me a 1099-C form to report the amount as income. To date, I have not received this document, which prevents me from properly fulfilling my tax obligations.

Inaccurate Credit Reporting : This account is being inaccurately reported across all three credit bureaus ( XXXX, XXXX, and XXXX ). Since the debt has been charged off and reported as a profit and loss, it should no longer appear as a delinquent account on my credit report. Its continued presence is misleading and damaging to my credit profile.
Product: Credit card

I already have American Express platinum and gold cards before I applied for the American Express green card. The sole purpose I applied for the green card on XXXX was for the XXXX bonus points the company offered at the time. American Express instantly approved my application for the green card on that day without any warning or complications. And I instantly received email confirmation that the green card was being shipped. 

The stipulation to receive the XXXX bonus points was that I must spend {$3000.00} or more within six month, which I complied. I paid the card 's annual fee of {$150.00} and spent more than {$3000.00} by mid XX/XX/2023. And I also paid off the entire balance a few days ago ( current balance XXXX  ). Yesterday, I called and also chatted online with American Express. To my surprise, they stripped off the XXXX points without my knowledge. Had I knew the bonus points were declined, I would have withdrew my green card application and certainly would not have spent {$3000.00} on the card. This looks like a " bait and switch '' practice by the company. 

On American Express website, they have detailed terms for the bonus offer, which I copied here for your reference : " OFFER TERMS You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. '' In my case, the " OFFER TERMS '' was a lie. The company did not notify me in any form or shape regarding my ineligibility for the welcome bonus offer before I completed the card application online.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Money transfer, virtual currency, or money service

XXXX XXXX XXXX keeps stealing my assets. XXXX, XXXX, XXXX. Coinbase was taken over in 2021 and XXXX been complacent since. No home, money, phone. 
All I can do is pray I get some financial help do to this situation.
Product: Credit card or prepaid card

For THREE YEARS I HAVE CONTACTED THEM AND ASKED FOR PROOF THAT I OPENED THE CARD AS IT WAS NOT ME. THEY CONTINUE TO REPORT IT TO THE CREDIT BUREAU. THEY HAVENT SENT ME SIGNED CONTRACTS TO PROVE IT WAS MINE AND IRONICALLY THEY KEEP EMAILING ME OFFERS TO HAVE A CARD WITH THEM. THEY ARE RUINING MY CREDIT THAT I HAVE WORKED VERY HARD ON. EVERY TIME I CALL, WRITE OR DISPUTE WITH THE CREDIT BUREAUS THEY JUST LEAVE THE SAME THING BUT NO ONE HAS SHOWN ME ANY PROOF I HAVE ASKED FOR ccount NameDISCOVER FINANCIAL SERVICES Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/2020. 
Status XXXX
Product: Credit reporting or other personal consumer reports

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I would like to beseech your company to request your office Equifax Information Services XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX to stop asking me the sensitive personal information, such as social security numbers and drivers license. I believe your company already mentioned the initial one-year fraud alert already. At far as I remember, some of the previous letters from your company asked me to submit the necessary documents for extended alert ; therefore, the initial alert should be added. So, I request your company to instruct your offices to stop and respect the individuals not to ask same sensitive personal documents continuously. 
Sincerely,
Product: Debt collection

Credit Acceptance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been demolished by student loans that arent even in repayment yet and some were taken out when I wasnt even registered or in school. XXXX University was sued by the FTC and didnt stop committing fraud. They took loans out under my name when I wasnt in school and they have had my status as in-school for the past 2 years and I have not been in school at all. Not only do I have student loans taking up 200 % of my credit, XXXX has not stopped with trying to report more recent debt that is not mine by sending threatening collection invoices. I havent even received a degree from them. My credit score is horrible, I can not get a loan, a job, an apt , or anything to get ahead because of the school that isnt even in business anymore. Who is getting money they are billing anyway?? How do they do this to people? Im XXXX and my life is being ruined by this. I have nothing and cant get anything. The department of education, XXXX and XXXX have done nothing in 2 years about this and now its an emergency because I am about to be homeless. I feel like Im going to have a XXXX XXXX every day because of this. Something is wrong, a multitude of people were notified about this and nothing gets done except mailing me bills and threatening letters to further destroy my credit. What is going on in this country? I need someone to help with this, exploit them and get some justice so people can live healthy lives not stressed out and anxiety ridden.
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness. 
Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

Rentdebt collection agency is reporting a collection on my credit from an apartment complex that I paid in full. When I noticed it on my credit, I contacted Rentdebt and then I sent them a validation request. They won't respond, but they continue to report it on my credit. The apartment is XXXX At XXXX XXXX
Product: Credit card

I have a XXXX with Bank of America. My credit limit is {$5000.00}. I hadn't used the card in a while, but they recently advertised cash advance with 0 % interest for 12 months. I did a cash advance for {$3000.00} and a month later I received an email stating my credit limit has been reduced to {$3800.00}, and any purchases or arranged payments I may have made would be declined. They did not give a reason as to why the credit limit was reduced. 

This impacts me because it will increase my debt to income ratio therefore impacting my credit score. And I would have to pay the fees for any declined purchases. They did not offer a valid reason for the reduction or give me enough time to make payment arrangements for any purchases I may have made with the card.
Product: Credit reporting or other personal consumer reports

The account listed on my credit report as XXXX does not belong to me and includes conflicting information violating my consumer rights. 1 ) the account is not mine and Ive provided a police report and FTC report in the last dispute 2 ) the account has conflicting information stating it is a charge off 3 ) the account states you have 100 % of this loan left to pay 4 ) the account states youve made 100 % of payments for this account on time 5 ) the account states there is a balance of {$6100.00}. The account has conflicting information and charge off and closed accounts are not supposed to show any balance owed according to the law in which this account currently does. Also, this account is fraudulent. Remove this account from my credit report as it is effecting my credit profie, has conflicting information and does not belong to me.