23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have tried for several years to get access to my free annual report from Equifax. Each time it fails and they do not allow me access to my credit report. If I go to a paid site I am easily able to obtain my Equifax credit report information. Equifax is illegally stopping me from getting my free credit report and has done so for years. The other XXXX reporting companies have no problem with providing my report only Equifax and only when it is free.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2023 my bank That I had a checking Account with was Closed due to Suspicious Activity which resulted in XXXX XXXX XXXX Reversing a payment or part of a payment around the Amount of {$300.00}. Instead Of the Lender Reaching out to me and informing me, I discovered the incident while trying to Pre-qualify for a home loan. The lender Did not Send a delinquency notice By Mail, Email, or attempt to collect By Telephone. The incident caused my credit scores to plummet. I believe when such incidents as such occurs it should be The lenders responsibility to XXXX out to the consumer to resolve the matter before making negative remarks. This reversal occurred around 45 days after the payment of {$440.00} was made. My personal Banking Institution Returned the funds reversed By XXXX to A new Checking account and If the lender had taken proper Protocol and procedure I could have taken the opportunity to correct the adverse action. However they took it at their own liberty to Report the loan deficient. They did not make any contact with me to inform or allow me the chance to correct the discrepancy causing me to Be Denied of Obtaining A mortgage Pre-approval. The original payment was made and they made the decision to reverse the payment. Without informing me of that, and allowing me to remake that payment to stay current. This affected me and caused me to have to request An loan extension which couldve been used some other time of hardship to become current on the loan
Product: Credit card or prepaid card

I have a physically tampered US Bank Prepaid Visa Gift Card bought from a grocery store that was fraudulently drained of almost all of it's funds. I reported it immediately as tampered and fraudulently used. I have sent in the required documents of proof of ownership. I have not received a response in the promised time so I am attaching my documents to be reviewed and sent to the appropriate department.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I was reviewing my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly update and removed and delete the following  inquiries off my report. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 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 via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX. I need these removed I have not applied for any of the above
Product: Debt collection

Name of Creditor : Professional Finance Company Address : XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX : XXXX, CO XXXX Re : XXXX XXXX Amount : {$590.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/02/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected.XXXX XXXX  XXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXXBalance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is refusing to remove two hard inquiries that do not belong to me. I was previously a victim of fraud. I sent them a police report at the time and assured them it wasnt me they still allowed attempts to be made in my name even tho I had a security freeze with a number to call attached. I was never contacted. Now they say it can take up to 90 days to remove. This is hendering my way of living causing me pain suffering and stress. I would like the fraudulent inquiries removed immediately
Product: Debt collection

I HAD A NEGATIVE IRS REPORT ON THE 3 CREDIT BUREAU. I ALREADY MAKE AN AGREEMENT WITH THE IRS WHERE MY DEBT IS NOT COLLECTIBLE. THEREFORE I CONTACTED THE 3 BUREAU OF CREDIT REQUESTING THAT PLEASE REMOVED THIS COLLECTION REPORT FROM MY CREDIT. XXXX AND XXXX REMOVED THE REPORT BUT TRANSUNION DID NOT WANT TO REMOVE IT AND THAT CONTINUO AFFECT MY CREDIT REPORT
Product: Credit card or prepaid card

I have been paying on my account XXXX under Walmart/Capital One to get my balance down. I wanted to pay it off but decided to pay a large portion towards the balance and then request to lower my limit. However I am not seeing my funds appropriated on my limit, the credit amount is tipping the scale by keeping my balance, not increasing my credit score for on time payments, raising my interest rates, and just being predatory in their consumer services with my account by greedily holding my funds. I am appalled by this behavior from my creditor but not very surprised it feels like financial discrimination during an economic inflation.
Product: Student loan

In XX/XX/2007 I took out a loan via a local bank, which is affiliated with American Education Services. Since receiving this loan I have tried my best to repay the loan. I am unhappy with the fact that the interest which is calculated at a daily rate keeps climbing. My original loan was {$16000.00}. So far I have paid {$7600.00} towards the principal and {$7400.00} in interest. That is a total of {$15000.00}, yet my balance owed is {$10000.00}. The calculated daily interest rate is what is used to keep you indebted long term as it keeps climbing, my current interest rate is 7.75 %. Why is this kind of unethical " practice '' legal, and what can I do? It's absolutely ridiculous that lenders can steal from borrowers as that is precisely what they are doing when they keep hiking up interest rates to keep you indebted. I do pay on my loans to the best of my ability in the hope of reaching the finish line of being student loan/debt free. But at this rate it is almost impossible when the lenders are allowed to sink their theiving fangs into people like myself who are trying to rid myself of the modern mob bosses who have free reign to do as they please to exploit the poor.
Product: Debt collection

This medical debt is in direct violation of my no surprises act and should be removed immediately from my credit report it is also in direct violation of 15 usc and and 1681 g they are defaming my credit and as a result I have negative items on my credit report please help remove this item from all three credit bureaus XXXX  XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/17 I made a payment to well fargo credit card. 8 days later on XX/XX/17 they charged my card off as 60 days past due. Their data in credit reporting shows I am 30 days past due in XX/XX/2017 and current in XXXX, charged off and 60 days past due in XXXX. There is no logical sense for this and XXXX XXXX does not see the information is wrong and logically makes no sense, therefore does not delete it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 converge to account 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

I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unaware of their source. Per XXXX XXXX, I formally ask for their deletion within XXXX days. Relevant documents are attached for your review
Product: Credit reporting or other personal consumer reports

Subject : Fraudulent accounts added to my consumer report. 

On XX/XX/year>, I got an alert from my bank credit monitoring app indicating a new account was added to my Experian consumer report from a company named XXXX XXXX XXXX Account Number XXXX with a balance of USD XXXX. I never had a contract with this company. On XX/XX/year>, I placed a fraud alert on my consumer report and Experian filed FROZEN DUE TO FEDERAL LEGISLATION proof enclosed in the CFPB complaint.

Reporting Act outlines the rights that identity theft victims, and those who that identity theft victims, and those who believe they believe they are victims : Block fraudulent information from your credit report Stop a company from reporting information resulting from identity theft.

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the fraudulent account and my identification documents.

I am demanding a deletion of the following account : XXXX XXXX XXXX Account Number XXXX with a balance of USD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 items 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 items 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 items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX 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: Credit reporting or other personal consumer reports

there has been hacks into XXXX XXXX XXXX and Experian systems in the credit reporting on my credit report is incorrect. Also I never gave them permission to report any of the companies reported on my report according to 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Debt collection

I had no knowledge of this account, I never sign up for preferred credit, I try calling them to dispute this but they wont help.
Product: Debt collection

We were on the unlimited package and never had any extra charges, but XXXX XXXX claims, that we accumulated over {$1200.00} worth of internet use for 3 days. How is this possible?
Product: Mortgage

I am not certain this is the correct category ; however, here goes. I have never been late on my mortgage payments ; however, I was in a bad loan. I was approved for a Home Affordable Modification with Citi that  had a {$16000.00} deferred amount. I was advised recently the amount would balloon to {$190000.00}. On every statement to date only reflects the $ XXXX amount. I told the representative nowhere did the modification convey a $ XXXX amount and how would I know as a consumer the amount would balloon to this excessive amount? The Citi rep. stated the amount was implied and I would NOT know as a consumer. To insure I had received correct information, I have spoken with 3 different reps. and requested copies of my modification. All 3 reps. confirmed only the $ XXXX and did NOT see any other amount. All 3 documents received did NOT provide the $ XXXX amount. Your assistance is needed. This is a predatory loan. Please help me.
Product: Vehicle loan or lease

I feel as if I shouldnt have to pay the remaining balance thats due on the car. I was trying my best to catch up the car payments and I made a {$1000.00} payment and they still repossessed the vehicle after I spoke with a gentleman on the phone letting him know I was doing everything possible to bring my status to current. Yes I understand that you have to make the payments on anything youre leasing or loaning but I was out of work and then my daughter was going through a crisis and I had to take off time to get her mental status at a point I could return to work or school. I was at the school registering when I came out the car has already been gone and it made it almost impossible to get my daughters to school or myself for that matter. I could understand if I wasnt trying but I was. I even overdrawn my XXXX XXXX  account XXXX $ just to keep the car. They gave me other options to try to get the car back but i wasnt approved for anything but I felt it wouldve been easier to just allow me to keep the car due to me receiving my taxes shortly after. I couldnt afford to pay the past balance, repossession fees, holding fee, and big down payment for insurance so I was unable to pick up the vehicle before it was optioned off.
Product: Credit reporting or other personal consumer reports

The negative rating on my account is a source of considerable anxiety. I'm extremely apprehensive about its potential effects on my credit standing. This unfavorable mark has already led to a rejected loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional toll this adverse rating has inflicted and will continue to inflict until it's addressed.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report accounts that I did not authorize. I filed an FTC report due to information exposed in data breach, please remove all unauthorized accounts below. 

*Inquiries : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no recollection of these inquiries on my account I have called I have written and nothing has been done XXXXXXXX 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  Credco XXXX XXXX XXXX XXXX XXXX XXXX They have failed to respond to my disputes they have failed to respond to my calls this is in violation of my rights I have put in fraud alerts on accounts
Product: Debt collection

I paid this debt with XXXX and they told me that it would be removed from my credit and it was n't. Also I search on XXXX Office of Financial Regulations this debt collector business is not licensed to collect in the state of XXXX.
Product: Student loan

Fraud is what happen when it was XXXX XXXX then due to all the unscrupulous activity these people where doing they changed name to XXXX  and became 2 separate companies in order to save them self from their Investor and Department of Education who let the fraud take place. if you would like to know more about my case and refer me to an attorney that will be great .. My case is documented with the XXXX XXXX and my Loan is Null an void since the day they did fraud to me and my acct. 


now since the Original company knows there was fraud and they know I have the proof to how it as I have done to the XXXX XXXX they sold of the Null and voided loan to XXXX XXXX, which is just another front for XXXX XXXX XXXX they also own this business. Id like to get the Contacts for the Lawyers who represented the 10 Teachers in New York and have then speak to me. 

These people back in the days did allot of illegal things and it was because of me exposing them to the Fraud they where commiting they even changed how we could communicated with them .. I still have the old emails from my XXXX Acct that shows some of this fraud .. so they changed the way we had to correspond to them using there own portal that they later implemented so that borrowers could no longer hold evidence of communications and if you want to have them release it then now after they did all that .. it would require a Court Order how clever. 

anyways my story is true and for so many year has not been challanged by anyone but myself and the XXXX XXXX  but no legal Action .. Ofcourse we are all broke and credit harmed by all this scam and fraud that they are responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. these items which I believe to be fraudulent and misleading needs to be dealt with immediately. 
Here are the aforementioned items : XXXXXXXX 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
Product: Debt collection

The account was never charged off on the following month XX/XX/year>. Since then, you have updated my credit report as being charged off in the month of XX/XX/year>, which is incorrect. The account has been paid off since last year. This is an update on the payment history. A charge off account should not be showing also the account status is not closed but PAID as well. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : PROSPER/XXXX XXXX  XXXX Account # XXXX
Product: Credit reporting

I have been denied credit on many occasions and have requested a copy of my Transunion credit report and have yet to receive XXXX. This issue has been going on for the last two or three years. I have never given any creditor or credit reporting agency no other address but the one I have lived @ for over thirteen years. I have notice every time a creditor request a copy of my files it is granted. I have even tried online to access my files, as I did today XXXX/XXXX/15, but was denied saying I have an on going dispute and ca n't access my files until the investigation is over. That dispute came through XXXX and I was only able to dispute XXXX item. I need full access to my files that I may be able to dispute all files that are incorrect. I was denied credit by XXXX banks over the last two days. Why ca n't I access my files? What sense does that make?. I have joined many free credit monitoring services just to see my files and credit score. The other major credit reporting agencies give access why ca n't Transunion. Please help me solve this issue. Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy reporting to my XXXX and Experian credit report I have told them it isnt mine its fraud and they told me to file it on here and then they would remove it XXXX keeps saying the verified it with XXXX XXXX which is in correct cause I got my public record from them and they said I have no public record this is their third party they get XXXX information from I want this removed immediately sick of getting the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an fraudulent account on my credit report from XXXX. XXXX XXXX.
Product: Debt collection

I reached out to this company several times XX/XX/year>, XX/XX/year>, XX/XX/year> in efforts to verify that this company was licensed to collect debt in the state of South Carolina. According to XXXX XXXX XXXX, this company is not registered to collect the debt in question in the State Of South Carolina , and by law, has to remove this debt from all credit reporting agencies immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry that appears on my credit report, which I believe to be unauthorized. 

TRUIST - XX/XX/
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I have not received a response yet and I feel as if I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days and should be removed promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that youve caused me. My information was also impacted by the Equifax data breach and my information may have gotten into the hands of the wrong person.
Product: Student loan

Over the part 9 months, I have made prepayments on my highest interest rate loan that is serviced by Navient. During that time period, Navient, rather than apply my prepayments to the loan I specifically designated, applied my prepayments to my lowest interest rate loans.
Product: Debt collection

according to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Dynamic Recovery Solutions is engaging in said violations of latter federal statutes. Dynamic Recovery Solutions is trying to associate me with an account that is over 15 years old that I do not owe. Number one the statute of limitations on a debt is 6 years, and number 2 this is not my account and I have no knowledge of this account. I served in the military and my social has been fraudulently been used over the last 20 years illegally, and I have repeatedly filed police reports to back that up. I do not owe any money to this alleged account, as I do not and have never had a XXXX XXXX account in which I owe any past due monies. Thus, I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 35 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.