23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Ally bought XXXX credit cards and went from charging me 6.5 % to now 23.24 %. I've been consistent on my payments and this is triple the amount I was paying before. This is a ridiculous interest rate that won't ever allow me to pay off my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, 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 an account without my written instruction. 15 U.S.C 1666 B .A Creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that the included information below in my credit profile that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. Ive sent out dispute letters to resolve any issues. 
Refer t

o 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution. 
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 famish an account without my written instructions. 
1. Under 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ) This account is in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher that's forgery and misleading when the courts do not report this type of account. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I found inaccurate information in my EQUIFAX credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. 

My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TransUnion and XXXX are classified as consumer reporting agency, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. XXXX XXXX is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). XXXX XXXX is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states the term consumer report DOES NOT INCLUDE any report containing information solely as to transactions or experiences between the consumer and the person making the report. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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. This is a violation as they are reporting these items without my permission. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Credit card or prepaid card

Around   XXXX   XXXX    , I made purchases with  Saks Fifth Ave  using my major purchase account. The account had been opened by me and used over several years which I never had any issues with ( including same promotion programs during holidays and such ). After I made the purchases in  XXXX , I returned over 80 % of the items in the following months. I called and inquired why my min. payments remained high and the response was that I should have read the fine prints better that I had to make the same minimum payments regardless whether those purchases were returned until my account is fully paid off  (  including any previous purchases not under the same promotional program ). I asked why the new program was n't clearly advertised to the consumers as to what the significant changes were and they said a separate letter was sent out along with the privacy statements. I was in disbelief as a customer of Saks for over 10 years with good payment history being treated as such. This has created financial burden as I was n't expecting the terms as such so my cash flow was negatively impacted. I finally paid the account in full and closed. As a honest consumer and willing to make full payments and a long history with the Company, I was misled and mistreated by Saks. When I finally called  Capital One , they disclaimed their responsibilities as they said it was n't their responsibilities of how the store promoted the credit program. Additionally, Capital One was also unwilling to help in anyway because it was n't their responsibility in working with me.
Product: Credit card

On XX/XX/year> ordered a balance transfer from XXXXXXXX XXXX  to pay off my Wells Fargo credit card. The Amount was for {$630.00} dollars. A few Weeks later I received a letter in the mail from XXXXXXXX XXXX stating that they sent a check to Wells Fargo to pay off my balance. When I went to go check my balance for Wells Fargo I noticed that I still had a balance on my account. I called Wells Fargo and told them XXXXXXXX XXXX  sent a check to pay off balance and it had already been cashed but it never paid off my balance. I called both institutions and kept getting the run around from Wells Fargo saying they can't help me. I also went into a Wells Fargo bank myself but no help locating where that money went to. They told me that the check was cashed but the account number they credited did not belong to anyone but there was nothing they can do. I had to another balance transfer to cover the one that was lost so I'm being charged the {$630.00} dollars that were not credited to my account. I need that money to be returned to XXXX XXXX  for them to take that charge off my balance.
Product: Mortgage

I have had issues with loan care mortgage where they will not remove a name from deed/title due to the fact that I have a gifted deed instead of a quick claim deed. I have went into foreclosure because I was unable to sign the loss mitigation documents they sent me with both names on it. I have told the company multiple times over the last 8 months that I can continue with the process if they just update there side of the documents that are updated with state and county courts but they won't except it.
Product: Credit card

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.
Product: Credit card

I received a credit card under the name reflex that I never applied for. I reported it through the lost and stolen line provided on the paperwork, enclosed with the credit card. I spoke with XXXX XXXX, who said the account would be closed without any damage to my credit and an investigation would be opened. He was unable to tell me how the card was issued without my consent. I am worried about my credit being hijacked. XXXX also stated that there was a known problem with the company known as Celtic Bank. People need to be aware of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

multiple agencies are making unlawful mistakes : sending my mail willy nilly wo consent reporting move when I didnt move and then refusing to give me an updated report after demand for removal under part 209 FCRA. 

unfair credit abuse and slander and oppourtunity to repair good name after multiple companies, including a chXXXX bankruptcy atty have broken the law and burned me on bad deals. 

refusing to provide a working fax number, or failing to maintain it. 
repeated attempts get cut off at 5 page mark or need multiple ( 100s ) of attempts to go thru. ( companies refuse to reasemble on remote end because of this ) this includes key credit which is supposed to help consumers. 

innovis XXXX XXXX XXXX XXXX XXXX all guilty and have lied to me on paper about what they have done.
Product: Student loan

I signed up with a Document Preparation company called Premier Student Loan Center to help lower my student loans. The first payment started around XX/XX/2018 where they charged me over {$200.00} a month for the first five months or so, then my payments lowered. Since XX/XX/2018, I have been making monthly payments to them and to my student loan lender. 

Although my payments are low/affordable, I am worried that information may have been falsified to lower my loans and the fact that they are charging me monthly isn't right either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX Fair Credit Reporting act XXXXt 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Upon reviewing consumer report # XXXX for XXXX XXXX XXXX appears deceptive and suspicious. This report has cause me to be a risk and not credit worthy with various names, addresses, and deceptive reporting. This has blocked XXXX XXXX from being able to use and extend credit. 
XXXX XXXX has a grave responsibility as the report referenced has XXXX XXXX being denied credit and adverse action taken by persons of common affiliation. I Deny Any and all.
Product: Credit card

I was buying a pair of shoes and paying with paypal, but looks like it was a scam the company started an auto pay and was billing my account every XXXX days, so i stopped it and issued a complaint with paypal, they declined my complaint and permantly restricted my acccount, but wont tell me why. i had done business with paypal since XXXX. I spoke to a supervisor, who told me there was no one higher then her i could speak to, and the decision was final. this is crazy, i have an exceptial credit rating im listed as a preferred member with paypal. ps i never received the shoes i ordered and the company i ordered from would not respond. also you asked for credit card number but they only show last XXXX digits normaly look me up by my email addess. 
I do have a receipt for the shoes i ordered it was not the company who billed me a can supply if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ... XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Checking or savings account

I disputed a charge on my account with Comerica in XX/XX/year> because I paid for a sales training program called XXXX XXXXXXXX that guaranteed a job after completing the program however after I completed the program, I absolutely did not receive the promised outcome. After I requested it, they took an extremely long time almost 2 months to be exact, just to tell me that they denied my dispute after providing a provisional credit that they took back. After that, I provided a whole lot of proof and evidence ( XX/XX/XXXX ) that I completed this program and paid in full which was a total of {$6200.00}!!! and followed all of the procedures of the program and still was unsuccessful with the promised outcome, which was securing a job after. I have sent proof of that, I have not heard a word from Comerica.
Product: Vehicle loan or lease

On XX/XX/XXXX a second loan was opened for the same car by the dealership because they made an error and instead of correcting the error Wells Fargo opened the second auto account and checked my credit again. When I brought this to Wells Fargo attention they had no idea what happened, I called them on XX/XX/XXXX to alert them of the situation. I called them again on the XXXX to discuss the situation further and to see the actions that would be taken to correct the issue. The escalation department followed up with me on XX/XX/XXXX telling me what happened and that situation would be corrected, the second loan would be deleted and that they had received the payoff check from my credit union where I had already refinanced the car on XX/XX/XXXX. The representative also spoke to the loan officer at my credit union advising that every thing was taken care of and the money would be applied and corrected to the first loan and the loan for the car was released to the credit union. On XX/XX/XXXX I discovered that the loan for the car had been paid off with my credit union and Wells Fargo are the ones who paid it off. When I called Wells Fargo they advised that I had not paid off the account and that the loan was still open and active with them and that it needed to be paid. I advised that I had spoken to someone in their escalations department and they advised everything thing they had taken care of. They advised that they were not sure why but the check was reissued. On XX/XX/XXXX I was contacted by the escalations department again and they advised that they wanted to speak to someone at my credit union and tried her best to advise why the check was sent back and see if the credit union would reissue the check to them. Luckily my credit union was ok with not checking my credit again since it has dropped from the amount of checks it has had recently. Wells Fargo advised they would be issuing a credit correction for me but when I asked on the XXXX I was advised that it also hadn't been completed yet. I was advised on XX/XX/XXXX that the credit correction would be done and still nothing yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to fix the issue with Trans Union a number of times and have not been able to get the help needed. There is a bankruptcy reporting on the credit profile that is not accurate I have disputed where they advised they verified the information as accurate. When I called on XX/XX/20 to ask who is the third party they verify the information with so I can work with them as well to correct the information I was advised they are not able to advise who that third party is. ( please review the call ) That goes against my FCRA rights of providing me the method of verification. I have worked with XXXX XXXX and confirmed they are not reporting a bankruptcy as that is the method of verification that XXXX and XXXX use I have attached my recent XXXX XXXX report for your verification of no bankruptcy reporting. XXXX XXXX also advised they sent information for the dispute of the bankruptcy to Trans Union and had no response. I mailed a letter on XX/XX/20 to Trans Union asking for their method of verification of a bankruptcy as well and was not provided the information within the 15 day response time frame they are suppose to respond. The bankruptcy needs to be removed due to inaccurate information.
Product: Student loan

I was repeatedly misguided by customer service regarding the eligibility status of my payments towards loan forgiveness. Navient/XXXX intentionally made the loan plans complicated and misleading and tricked me into remaining on a repayment plan that was not eligible for loan forgiveness even though that was my stated intent as a XXXX-employed XXXX.
Product: Debt collection

I am having an ongoing issue with a collection agency attempting to collect on a debt which has been disputed to no end by myself and which they have refused to investigate as outlined by the FCRA and with specificity to the Fair Debt Collection Practices Act. 
The company of which I speak is : Capital Credit & Collection. 
On numerous occasions I have disputed with them and requested documentation in hard copy, I have requested information that does not consist of them sending me a bill. They refuse to provide anything other than their bills and their letters threatening and seeking to force payment. 
I am asking this agency 's assistance in this matter. 
The matter needs to be investigated in a timely fashion as I have asked them numerous times, and if it can not be verified, which I believe they can not do since they have always avoided to assist me, then I ask it be removed from XXXX, XXXX  and XXXX  and anywhere else it is being illegally reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continues report inaccurate information on my report as well as use stall tactics, This company have requested identification information on 3 separate occassions and I have complied with each request and yet they ask for the same info again.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$99.00} ; XXXX XXXX XXXX Balance : {$25000.00}.
Product: Debt collection

This email is referenced to the claim number above. I am requesting the claim be reopened and reviewed. I will complete this email as an appeal with information from the originator XXXX XXXX XXXX. XXXX XXXX sold my debt to a 3rd party collector FMA Alliance, without my signed authorization or notification. Originally the medical bill was paid leaving a balance of {$100.00} that I myself XXXX XXXX XXXX and XXXX XXXX XXXX XXXX had come in agreement with for patient financial assistant program. 

Hospitals can not sell your patient debt to a debt buyer unless you are ineligible for financial assistance, or you have not responded to a hospitals attempt to offer assistance for 180 days. ( XXXX XXXX XXXX and was in communication with hospital in regards to financial assistance )
Product: Credit reporting, credit repair services, or other personal consumer reports

About 2 years i decided to monitor my credit report because I was interested in becoming a mortgage loan originator and I knew they will check my finances ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  upon checking my credit report I immediately saw inaccurate information, names, accounts that I have never seen a ridiculous amount of inquiries soft and hard mostly for cars, loans, credit cards and mortgages when I never initiated any of it. I downloaded the XXXX  app and it proceeded to tell my information was sold on the XXXX XXXX I contacted all three credit bureaus via phone to alert them and freeze my reports but the dings to my credit didnt stop at all. I disputed each one on the app and I sent letters to prove it wasnt me and they still left the information there. This is hurting my livelihood overall and preventing me and my children the life I work hard for everyday and I would like all of the inquires and accounts of my credit report stemming from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card company : XXXX XXXX XXXX  ACCOUNT # : XXXX DATE OF REPORTING : XX/XX/2020 Reported me deliquent 30 days for XX/XX/2020 due to an ongoing scheduled maintenance which unfortunately resulted in zero access to the account between dates of XX/XX/XXXX - XX/XX/2020. Which was 1. Not notified of such scheduled maintenance 2. Unable to access account through online portal or with customer service. 

3. Payment was not recorded on XX/XX/2020 of {$1300.00}. 

4. Payment should have reported to credit bureaus on before XX/XX/2020 Please see attached screenshots of the results of the occurences. 

Please as a courtesy I ask the credit bureaus to make the update to the credit agencies to all 3 bureaus : XXXX EQUIFAX AND XXXX So the dleiquency is removed from the reporting for XX/XX/2020 and shown as " CURRENT '' or " Pays as agrees ''. I have a letter directly from the creditor to have this information ammended directly. 

I appreciate that this be marked as urgent due to repercussions and impact this has had on my credit.
Product: Checking or savings account

I am a victim of identity theft. My Experian online membership account was taken over and the thieves opened an Experian Smart Money account. 
I have called Experian Smart Money directly to attempt to close the account. They have suspended the account and sent it to their fraud department for further investigation. It has been over 2 month and I have not heard anything from them regarding closing the account. I can not contact the fraud department directly and the only information they will tell me is that I have to wait for the fraud department to complete their investigation. There was not additional information requested from Experian Smart Money to verify my claim and identity. 

Experian can not help me with recovering my Experian online membership account until this Experian Smart Money account has been closed. It is also preventing me from disputing any information on my credit report that is tied to the Experian online membership account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2021 ( has violated my rights ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/2021 ( has violated my rights ) 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without Written consent.