23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/year>, I had XXXX accounts from the XXXX XXXX  XXXX that was negatively reported in my credit report. 
XXXX. {$6000.00} ( XX/XX/year> ) XXXX. {$6000.00} ( XX/XX/year> ) XXXX. {$3500.00} ( XX/XX/year> ) XXXX. {$1700.00} ( XX/XX/year> ) XXXX. {$3400.00} ( XX/XX/year> ) XXXX. {$3000.00} ( XX/XX/year> ) XXXX. {$3500.00} ( XX/XX/year> ) XXXX. {$2500.00} ( XX/XX/year> ) These accounts have since been accounted for as I did contact this company to defer these loans in which is also reflected in my credit report. 

The account status for each of these accounts states " PAYS AS AGREED, '' and all have " PAID AND CLOSED '' for each. 

I had no knowledge of these outdated accounts impacting my credit until I was unable to get financing for my first home. I was made to believe that by deferring these accounts I would not have a negative impact on my credit.
Product: Vehicle loan or lease

I leased a vehicle from Volkswagen in XX/XX/XXXX, and purchased an Excess Wear policy from Volkswagen at the same time. 

When returned the vehicle in XX/XX/XXXX Volkswagen failed to apply my final lease payment to my account. They also applied {$270.00} of excess wear fees to my account instead of claiming those from the policy they sold me, and they refused to provide me with documentation I needed to make that claim myself. 

In XX/XX/XXXX they referred my account to a collection agency, with the final lease payment ( that I already made ) still uncredited and with the {$270.00} excess wear still uncredited. In XX/XX/XXXX they finally corrected the final lease payment, 8 months after I paid it. But the account was already in collections, and at the same time they introduced a new payment that they had never before billed me fore. In XX/XX/XXXX they finally mailed me the documents needed for making a claim on the Excess Wear policy. 

My demand now is that Volkswagen Credit recall my account from the debt collection agency, recall any reports of overdue or delinquent payments from any credit reporting agencies to whom they have reported this, issue a written apology to me for their inept and malicious handling of my account, and if they believe I still owe them something, deal with me directly in a constructive and responsive manner.
Product: Credit reporting or other personal consumer reports

i was looking over my credit report and i noticed unauthorized hard inquires on my credit report i did not give hand written consent to furnish anything on my credit report. these hard inquires and accounts have violated my consumer rights. 
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 XXXX, Account name XXXX XXXX XXXX XXXX  Account name : XXXX #, Account name : XXXX XXXX XXXX # 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 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 or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with XXXX XXXX. I have never been late on payments on the account : XXXX XXXX XXXX XXXX XXXX XXXX Please reinvestigate and provide evidence with statements showing that this payment was made late. If no evidence can be provided, I demand that this payment be brought up to date on time, as it should be, as I have NEVER been late. Thank you.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX MO FAMILY SUPPORT DIVI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit card

My payments for this account have always been timely, preventing them from becoming overdue. I am confused about the reasons for the late payment reports on my account. In line with 15 USC 1666b, this billing error should be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I received a copy of my EQUIFAX credit report online through XXXX XXXX XXXX. Under the heading listed in the EQUIFAX report, as ASSOCIATED ADDRESSES, there is an address that is listed that I am unfamiliar with and know for a fact that I never lived there. The questionable address is : XXXX XXXX XXXX, XXXX, MASSACHUSETTS XXXX
Product: Credit card or prepaid card

I applied for the XXXX XXXX credit card XX/XX/2022, financed by Chase, when booking a flight. A credit card promotion pop-up offered a {$200.00} statement credit and XXXX rapid reward points if spend {$1000.00} within the first three months, when apply and approved for a new account. I purchased over {$900.00} in airline tickets the day the account was opened and then about a week later had another charge for {$390.00} to put me over the {$1000.00} spend requirement. I have received the XXXX rapid reward points ; however, the {$200.00} statement credit has not yet been applied. When I reached out to Chase directly they advised the only offer was for the rapid rewards points. This is the terms & agreement on the XXXX website regarding the {$200.00} statement credit -- -- - * OFFER DETAILS XXXX XXXX XXXX XXXX XXXX  CREDIT CARD {$200.00} Statement Credit This product is not available to either ( i ) current cardmembers of this credit card, or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. You will qualify for and receive your bonus after your First Purchase. ( First Purchase does not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. ) After qualifying, please allow up to 8 weeks for statement credit to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. 

The {$200.00} statement credit offer is still reflected on the website ( www.southwest.com ) ; however, the rapid rewards is currently XXXX points if spend {$500.00} in first three months. I want the {$200.00} statement credit as advertised. My account is open and not in default. This is false advertising, I would not have applied for this credit card without seeing this offer and would have used another card I already have. There are plenty of consumer boards that reflect that this is an ongoing problem. I have asked for Chase to provide me with the offer from the XXXX XXXX website at the time of account opening, as it should be readily available for record retention purposes, and they have not provided me that information.
Product: Credit reporting or other personal consumer reports

I received a notification from XXXX XXXX my student loans have increased over {$60000.00} recently. When I reviewed loans reported on my credit report it reports 11 different MOHELA loans totaling over {$120000.00}. My student loans should be currently around {$67000.00}. I have tried to contact MOHELA several times and credit agencies. However due to " long wait times '' and being disconnect it is impossible to speak to someone on where these loans are coming from. Also they are all different totals, not duplicates? This is reporting on all credit bureaus. Can you assist me, I have worked very hard to keep my credit outstanding and this is just unacceptable. I appreciate any help with this matter.
Product: Credit reporting or other personal consumer reports

BANK OF AMERICA you regarding account number XXXX, which is being reported to the credit reporting agencies XXXX, XXXX, and XXXX as a Charge-Off. After reviewing my credit report, I have identified that the information reported regarding this account is inaccurate and does not reflect the actual status of the debt. 
In accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681s2, information furnishers are required to report only accurate and truthful information. However, the account in question is not being reported correctly. Specifically, I have noticed the following discrepancies : Account # : Different dates reported by each credit reporting agency XXXX : No reported XXXX : XXXX XXXX : No reported High Balance : Different account status reported by each credit reporting agency : XXXX : No reported XXXX XXXX No reported XXXX : {$3000.00} Date of Last verified : Different dates reported by each credit reporting agency. 
Date of Last Activity : Different dates reported by each credit reporting agency. 
Date Reported : Different dates reported by each credit reporting agency Date of Last verified : Different dates reported by each credit reporting agency. 
Closed Date : Different dates reported by each credit reporting agency : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Payment Amount : Different payment status reported by each credit reporting agency : XXXX : No reported XXXX : No reported XXXX : {$0.00} Last Payment : Different dates reported by each credit reporting agency : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX year payment history : Different dates reported by each credit reporting agency. 
XXXX : XXXX  XXXX : No reported since XX/XX/XXXX XXXX : None reported You, BANK OF AMERICA have furnished this account as a charge-off, you are in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681. 
You BANK OF AMERICA are a furnisher of information and are prohibited by law from reporting inaccurate information. 
15 U.S. Code 1681 - Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting 15 U.S.C. 1681e ( b ) Accuracy of Report 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies 15 U.S.C. 1681s-2 ( b ) - Reporting Information After Notice and Confirmation of Errors
Product: Credit reporting or other personal consumer reports

Now the truth is out about all these different frauds including stolen identity by your client fake XXXX XXXX XXXX fake SSN numbers XXXX and XXXX here in our country XXXX XXXX XXXX and used those fake titles including XXXX XXXX computer professor on those loans as you say I started loan XXXX and absolutely have never done business with XXXX XXXX and that fake title as a XXXX  got reported as XXXX. He also got a credit card in my name with XXXX  XXXX as ending XXXX. Then with XXXX XXXX XXXX ending XXXX, XXXX, XXXX and XXXX confirmed by another XXXX XXXX XXXX XXXX ext. XXXX still claim no XXXX unpaid. Then he use a fake lender that do not exist NOT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX id # XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, do not exist. Then around XX/XX/XXXX XXXX  informed me he cash XXXX checks in my name XXXX. XX/XX/XXXX XXXX. Mailed on by XXXX  supervisor XXXX on XX/XX/XXXX to the XXXX he cashed. They informed me to make police report and I did as XXXX Det. XXXX XXXX XXXX that he cash XXXX XXXX XXXX XXXX XXXX still unpaid. I received notice from LexisNexis Consumer no XXXX that Tradelines - XXXX XXXX  Resolve XX/XX/XXXX and XXXX has confirmed my loan were paid off in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to requesting XXXX  to investigate my account with RoundPoint Mortgage Services who no longer holds our account as of XX/XX/XXXX my XXXX  Credit report score was 4 points higher on the date in which I opened the investigation in early XXXX, however, I received a notice this morning from XXXX stating that my Credit Score had been negatively impacted due to retaliation from RoundPoint Mortgage. They went in and changed some reporting components because I opened an investigation based on their reporting of various late payments during a time when we were in a work-out plan/forebearance agreement due to unforeseen XXXX XXXX XXXX   with our Daughter who was XXXX  in XXXX  for over 30 days at the end of XXXX which resulted in XXXX XXXX XXXX as a result. However, when we commence the work-out plan payments we were never late and was informed this information would not be reported to the Credit Bureaus. Also, when they transferred the account to XXXX XXXX XXXX XXXX we had just received approval for a Loan Forbearance and should not been reported late, as it was also transferred in XX/XX/XXXX. This is blatant retaliation against XXXX XXXX-American U.S. Citizens who raise issues or concerns about the ill-treatment from Creditors, as such. I previously reported RoundPoint XXXX  in XXXX for their misleading business practices and they are retaliating, as this account is no longer being Serviced by them and it is direct attack on my credit to oppress and suppress economic upward mobility and obtain access to capital and lower interest rates due to their ill-practices against XXXX XXXX-Americans.
Product: Checking or savings account

I used to have a checking account with JP Morgan Chase. I received a check by XXXX, a XXXX XXXX company and I deposited the check through mobile banking. I received a notification that Chase was closing my account while my check was still processing. Because I never received the funds on the check I had deposited, I contacted XXXX  to request resistance of the check, but they showed that JP Morgan Chase had cashed the check. I contacted Chase and they said they had to contact XXXX but they were unable with the numbers they had and they could not take a good number from me. So they asked me to go into a branch with an XXXX representative and myself. We all know that is not possible given the fact that XXXX is a big American corporation, I live in Texas and their corporate offices are in California. Chase has the funds, this is a valid check that I receive monthly. I'm not sure why they are keeping my funds. Obviously the check was paid by the issuer. I need answers.
Product: Checking or savings account

I deposited a check of {$1200.00} my friend wrote me in on Tuesday XX/XX/XXXX, and the friend who wrote me the check told me there's something wrong with her account so she has to placed a stopped payment check on the check she wrote me, and right after she told me that I called Capital one to let them know and to see if there's anything they can do to cancel the check i deposited in and the agent lady told me it's not the problem and she can't cancel the check that it been pending already but she told me not to worry since my friend has place a stop payment on her end so it's not going to effect on my account until today my card got declined on XX/XX/XXXX, and I saw Capital One placed a permanently restriction on my account so I called them right away to explained the situation and they asked my friend 's number and Capital one gave them a called to confirm the situation and to confirm if my friend is the one who wrote me the check, and right after they confirm it they told me they can't removed the restriction because they didn't see any note put in my account about i called in on XX/XX/XXXX about the bad check situation and the restriction it's permanently. But I did called in and I still have a calling history on my phone but just that lady didn't put any note in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANS UNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE INQUIRIES FROM THE FOLLOWING CREDITORS 1XXXX 2XXXXXXXX XXXX  3.XXXX XXXX 4XXXXXXXX XXXX XXXX FINANCIAL XXXX FEDERAL XXXX XXXX XXXX XXXXXXXX XXXX  12.XXXX XXXX XXXX 13.XXXX XXXXXXXX XXXX 14XXXX 15XXXXXXXX XXXX  XXXX 16XXXX XXXX 17XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELEY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Credit reporting or other personal consumer reports

I want to submit a complaint on Transunion for the inaccurate information they are reporting on my credit report by law all the information must be accurate and match on all three consumer reports and it is not, I have previously tried to dispute the accuracy of this information and the company failed to do so or update me on the process this has hindered me as a young adult from being able to move forward and it is affecting my quality of life I wish someone would hold them responsible. I have attached a copy of my credit report with the highlighted inaccurate information for review
Product: Debt collection

XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, OK XXXX Phone : ( XXXX ) XXXX-XXXX claims that I owe a debt to XXXX XXXX XXXX XXXX. 

I have no knowledge of this debt, I have sent numerous letters to XXXX XXXX XXXX XXXX and they have all been returned. I have disputed it with XXXX numerous times and XXXX refuses to remove this XXXX from my credit report! WHY?! It IS NOT mine and the debt collector refuses to answer my questions.
Product: Mortgage

As XX/XX/XXXX mortage company sent me overage payment from escrow which was about {$4000.00}. I called to ask why and got the run around. After that the payment went up. As of XXXX XXXX i was sent another check of overage about {$150.00}. Did not try to contact mortage company because of the first attempt to at calling.After recieving check the house payment went up for the second time. As of XXXX XXXX I was still sent another overage of {$150.00} and payment will go up in XXXX about from {$1700.00} to {$1700.00}! Last check that was sent i am sending back to escrow to be applied to escrow. As of XXXX. Keep in mind this is a F.H.A. fixed rate loan! I have never had a loan go up like this for a fixed rate loan. convental or f.h.a. loan. Keep in mind the starting loan amount was {$1600.00} and has repeatly went up since the loan was inatiated. There should be no reason or explaination for the loan amount to go up!!! If they can not maintain this loan i will be forced to go into foreclosier because i am on XXXX right now.
Product: Student loan

This is a Parent Plus Loan from XXXX XXXX ( now Navient ) of {$14000.00} in 2009 I received while my daughter attended the XXXX XXXX XXXX XXXX - XXXX XXXX. I started making payments on this loan as soon as it was established and I believe my payments were not allocated properly as this loan should have been paid in full by now. The monthly payment amount would continually change but I always paid more than the required amount.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Removal of Unauthorized Inquiry Pursuant to 18 USC 1028A Dear Experian, I am writing to formally dispute and request the removal of unauthorized inquiries from my credit report as listed by Experian. This inquiry appears to be in violation of 18 USC 1028A, which pertains to identity theft and related offenses. 

Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  NV XXXX Phone : XXXX Email : XXXX Inquiry Information : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 Explanation of Dispute : Upon reviewing my credit report, I discovered inquiries listed from the above-mentioned companies on the specified date. However, I did not authorize these inquiries, nor do I have any affiliation with the company in question. These unauthorized inquiries raise serious concerns regarding potential identity theft, which is a violation of federal law under 18 USC 1028A.

As a consumer protected by federal law, I request that Experian conduct a thorough investigation into this matter and promptly remove the unauthorized inquiries from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take all necessary steps to ensure the protection of my personal information and credit profile.

Enclosed with this letter are copies of documents supporting my claim, including but not limited to proof of identity and any additional evidence relevant to this matter.

Please provide me with written confirmation once the investigation is complete and the unauthorized inquiries have been removed from my credit report.

Thank you for your prompt attention to this matter. Should you require any further information, please do not hesitate to contact me at the above-listed address, email, or phone number. 

Sincerely, XXXX XXXX XXXX XXXX