23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/XXXX/XX/XX/XXXX I was struggling to pay credit card bills, due to splitting with spouse ( few months earlier ), adjusting to paying all the bills by myself, Hurricane Harvey, dog dying and a few other bumps in the road. Talk to card company several times and explained the situation, was told if I just paid x amount buy a certain day then it would put me under a limit to where it wouldn't be reported to agency. So I did but they still reported it. I then made an agreement with a family to transfer debt from 3 of the cards to one of their cards. Two of the cards once paid off were canceled, one of the cards has been valid for 7 years with no late payments and paid off several time the other card never had a late payment ever. Because of this other cards even ones paid off for a year was canceled and others cards had credit limit drop every time I got balance down a little.
Product: Credit reporting or other personal consumer reports

I asked this company to cease and desist of reporting because they continue to report inaccurate information pertaining to credit reporting. Their electronic portals where I have sent countless identity theft reports and driver license and letters from the attorney general have erroneously been invalidated. I've also sent actual certified mail letters with documentation and their continues to be a problem and issue with everything sent to them. 
The letter on XX/XX/year> signifies the letter also the you will see the electronic submission that i was told to do which had all of the documents requested and they continued to send this letter as a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave Authorization to Experian by a signed notarized consent for CFPB to investigate my complaint. Authorization was mailed in and called in. I also attached a copy of my authorization with my complaint. 

I XXXX XXXX have contacted Experian and XXXX XXXX now for over an year to delete the following account and it has been refused to be deleted. I mailed a dispute for this same account more than XXXX times. I have submitted XXXX Affidavits. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. For the following Identity theft Account. XXXX was also notified. XXXX unable to apply for a XXXX card due to this fraudulent account. 

XXXX XXXX XXXX XXXX ( {$1700.00} ) XXXX XXXX XXXX, XXXX, DE XXXX Opening date : XX/XX/2019 This is not mine. I am a victim of ID Theft
Product: Student loan

After 6+ years of being in good standing and consistently making payments on my student loans with HESAA ( NJClass ), I noticed a 0.75 % interest rate increase on all my loans. Upon researching the terms and conditions, this was applied because my account was in " default ''. From my records, I have only missed one payment and remitted payment within a few days. According to additional research, " defaulting '' occurs if payment has not been made in 270 days. I am appalled that I received no communication of the rate change and that one was placed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I wrote XXXX XXXX via email about a violent encounter I had with another member at their XXXX location. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the police on the day all of this occurred and they made the other member leave the club for that day. Since then I have been trying to get a member of management to contact me about this situation. I did not wish to work out around someone who put my safety in jeopardy. This behavior was a violation to the terms and conditions. Still to this day I have never received any communication about this incident from anyone at the gym. The very last time myself and my spouse came to the gym this member was there. Myself and my spouse left and we refuse to ever step foot in this gym again. 

Yet again we wrote XXXX XXXX to cancel our membership because of all of this and they still never responded. We only received an email from a 3rd party billing service stating that we would need to pay the next month dues as well as another fee that I believe is an annual charge. 

This situation dates back months at this point, I refuse to pay any further money to this business. My very first email to this business that went unanswered should be considered my intent to cancel my membership since XXXX did not live up to their terms of the agreement by providing a safe place.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Credit reporting or other personal consumer reports

My credit score took a hit when there was a hard inquiry by XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) XXXX I had never requested a hard inquiry from this government agency - so I am not sure why they pulled my credit. I would like to have this hard inquiry removed from my record.
Product: Debt collection

Lost income due to medical emergency, tried to contact lending club, bank and XXXX. Bank and XXXX helped. Lending club seemed to understand for the first two months. I can not find a job, i am a XXXX vet who can not find suitable employment. I am more than qualified and couldnt even get a job at XXXX XXXX. I was hit with two XXXX hangout scams for fake interviews. One was even on XXXX. Ive worked with the DVA and nothing was done. Ive applied to myriad of jobs. I was begging XXXX to help me somehow because I did not know what to do. Now Im getting spam calls, people leaving zodiac breathing voicemails and hanging up. Then I receive a letter from pay XXXX and they now want to get me in contact with the person I owe this debt. I had to change my number. I no longer know who is who anymore. Please help, I am NOT THE ONLY ONE!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been denied credit because of this erroneous information, the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX were not paid late.. I monitor my bills and make sure to pay these accounts on time.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX  XXXXXX*********** Balance Owed : {$12000.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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 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

XXXX XXXX had call me and told me I had to pay for the internet box still 1 week after my home caught on fire and lost everything including my husband they didnt care any of that happened I still had to pay for it I told them in that time I wasnt able to I had to pay to XXXX XXXX XXXX buy myself and my kids a new home and clothing and everything else we had lost they then told me if I didnt pay it that day they was going to send it to the credit bureau i told them with everything that had just happened I didnt have extra money to give them they hung up on me and I didnt hear from them again but then seen they did put it on my credit so I called eastern accounts and ask them to remove it and explained everything that had happened they told me I had to pay it and that they would remove if from my credit and thats the only way it would be removed I told them that I would just go head and take care of it so they would remove from my credit because its already kept me from getting a new vehicle so I paid it and they are yet to remove it I have called them back and its just a huge run around
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 
1. XXXX XXXX XXXX XXXX with account # XXXX 2. XXXX XXXX XXXX with account # XXXX 3. XXXX XXXX with account # XXXX 4. XXXX XXXX XXXX XXXX XXXX with account # XXXX 5. XXXX XXXX XXXX XXXX with account # XXXX 6. XXXX  with account # 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 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: Credit reporting, credit repair services, or other personal consumer reports

After a period of nonpayment, I started making payment to synchrony bank on my care credit account. Every time I make a payment to get out of debit abd to improve my credit, this company decreased my amount of credit and continues to keep me in the 90 % debt to credit ratio. They are my only credit card and this has happened several times, it has made it actually worse fir me to pay them bc they keep causing my credit score to drop significantly. Technically they can do this, but it is very unethical and Im not sure if it is lawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I got a loan with Wells Fargo where my monthly payments were {$220.00}.? Due to the pandemic I was given a 6 month extension.? I called the loan department to find out when my next payment due and I was advised that I needed to complete paperwork for a financial hardship.The documents were completed and mailed. I called again and was advised the hardship request was approved with my new payment amount being {$120.00} with the first payment being due XX/XX/XXXX.? My first payment of {$130.00} ( over the amount due ) was made on XX/XX/XXXX which was prior to my due date In XXXX, I noticed the information on my payment portal was incorrect.I 've been calling Wells Fargo since XXXX to get this information fixed and I've been getting the run around. All the representatives I've spoken to advised me that my account profile was not updated to reflect the new payment/agreement.I continued to make timely payments even though the error was made on their part.Each time I call, the representatives said they made notations on my account and assured me this would be taken care of.I was advised that my case was assigned to a representative and he is the one handling it.For my most recent call on XX/XX/XXXX, I was advised that the representative was not in office and that he would give me a call. This has been going on since XXXX and has not been resolved as yet.I 've been given too many excuses from that person not being in office to them having technical difficulties. In the meantime, erroneous and invalid information have been reported on my credit.I am in the process of purchasing my first home and was in shock when my advisor told me that I was denied due to the information being reported.This has been going on for too long and needs to be updated immediately.My most recent call was on XX/XX/XXXX, and I was advised that the representative was out of office and he would call me in reference to the situation. My account is now showing past due because of this with a balance of {$680.00}. A case was finally opened, I received a letter from the executive office stating they are going to fixed the situation and assist with updating the information on my credit.To date, this has not been done. I have not received any phone calls like they promised. This situation has cost me lost time at work with countless holding on the phone and now a decrease in credit score due to incorrect reporting on the banks end.Can someone please assist me with this situation.? I am requesting my account updated to reflect the correct payment amount, any fees billed adjusted, a letter stating this was an error on Wells Fargo 's part, and most importantly, all credit reporting agency updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Gold Key Credit Credit Inc, XXXX XXXX XXXX XXXX, FL XXXX does not have a license to collect in Florida, they are constantly falsely reporting debt to my credit report that does not belong to me.
Product: Checking or savings account

On XX/XX/2023 someone presented a fake license in my name and withdrew {$5000.00} from my personal checking account. They withdrew with a counter withdrawal slip {$2500.00} at XXXX XXXX XXXX, XXXX, LA Teller : XXXX XXXX ; Bank Manager ( XXXX XXXX ) - signing an entirely different name from mine ( true account holder ) and still successfully received cash money. They withdrew {$2500.00} again at another location on same day : XXXX XXXX XXXX, XXXX, LA. I spoke with Capital One Fraud team and both bank Managers in an attempt to secure the account and to refund money stolen and to secure the video footage associated with the felony on XX/XX/2023. I filed a police report on XX/XX/2023 and met with my local Capital One Bank Manager and a member of Fraud team ( called in to the physical meeting ) to get incite on when any of my residual funds would be accessible ( I needed money to pay bills ) and to find out if money would be refunded that was stolen. I was advised it would take another 3-5 business days before new accounts would be accessible containing my residual funds. The {$5000.00} should have never been released due to an erroneous signature noted on the withdrawal slip that didnt match name on file for account and without additional identity verification before giving away the account number to the thief. There are no real security measures at Capital One Bank!! None.
Product: Debt collection

Southwest Credit Systems keeps calling and will never tell me who they are or why they are calling without confirming my personal information first. I ask why they are calling and they say they cant tell me untill the info is confirmed. All they tell me is its in regard to a personal business matter. I only found the company name by calling the number back and the recording told me.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious non-compliance issue concerning your failure to provide me with the initial and annual Consumer Personal Financial Privacy Policy Notices as required under the Gramm-Leach-Bliley Act ( GLBA ). 

The GLBA mandates that financial institutions, including debt collectors like Portfolio Recovery Associates, must deliver privacy notices to customers both initially and annually in writing. These notices are essential to inform consumers about how their non-public personal information ( NPI ) is collected, used, and protected. 

As a consumer, I have never received any such privacy notices from your organization. This lack of compliance violates the GLBA privacy rule, which applies broadly to financial institutions that provide services to individuals engaged in financial activities. This category includes banks, debt collectors, mortgage lenders, and similar entities. The confidentiality of NPI is paramount, and your failure to provide these notices undermines this principle.

According to the GLBA, non-compliance carries significant penalties : Financial institutions can be fined up to {$100000.00} per violation. 
Officers and directors can be fined up to {$10000.00} per violation. 
Individuals can face imprisonment for up to five years for serious violations.

In light of this non-compliance, I demand the immediate removal of the account associated with Portfolio Recovery Associates from my consumer report. Failure to address this issue promptly will leave me with no option but to file a formal complaint with the Federal Trade Commission ( FTC ) and NJ STATE ATTORNEY GENERAL, CONSUMER AFFAIRS pursue the aforementioned penalties and damages. 

Please provide a written response confirming the removal of the account from my consumer report and detailing the measures Portfolio Recovery Associates will take to comply with GLBA requirements. Your prompt attention to this matter is essential to avoid further legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Experian credit report and noticed my score dropped XXXX points due to XXXX XXXX being added back to my report without any notification from Experian or XXXX XXXX. I advised Experian that this account is in litigation and that it needed to be removed. Experian removed the account and XXXX later they added the account back with no notice. This account is still in litigation. This is causing me to have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. I am in the process of applying for employment and hope to be purchasing a home also. I demand this account be deleted immediately.
Product: Credit card

I have made ( XXXX ) payments to Citibank over the last week ; {$500.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX. The funds have been withdrawn from my checking account at XXXX XXXX and Citibank has received them however my payments have not been applied to my available credit. I'm told the payments have a hold for a week because of the " high payment amounts ''.
Product: Debt collection

this is actually an installment loan but payday is the closes selection you have available on your site i got a loan in summer 2018 and was keeping up on the payments but then i got behind on my payments due to financial struggle. i told them i would pay them when i got my settlement from a recent injury. i am still waiting. i am XXXX XXXX and they are fully aware of this told several times in person and had trouble communicating with me because of it, one of their staff even came to my door and i explained that the closed caption on my phone was not working and i cant talk on the phone. and that calling me is only going to upset me once you are informed. within 1 months the calls started every single day from several numbers. i even set my answering greeting on my voice mail with a custom greeting explaining that i am deaf and i cant take a phone call. they totally ignore that and continued to call 11x so far. i provided an email address and text message phone number to them when i got the loan but they still wont respect me. they continue to call and leave messages telling me ( knowing i cant hear on the phone ) to " CALL '' them. i feel very discriminated and want actions taken!
Product: Debt collection

They try to sent an collection notice to me but on on the purpose sent to the wrong address. and keeping telling me about that if I not pay for and it will be damage your credit so badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Portfolio Recovery Associates, I have requested you to provide competent evidence of my alleged ownership of disputed false account XXXX and you responded with the false claim that you " investigated '' my complaint but failed to provide any competent evidence of the alleged debt other than some fake statements. Please investigate the alleged transactions on the alleged statements and other facts and delete as I have no knowledge of this false account.
Product: Credit reporting or other personal consumer reports

Nelnet Servicing sold to XXXX. I have put in a dispute several times to remove negative report of past due account. My accounts are on deferment status and it should show in good standing. This is impacting my credit score significantly. After several attempts this negative report is still on my credit report.