23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-Opened XX/XX/XXXX {$200.00} My report for Equifax and XXXX is show 2 different reporting. Equifax is showing my account was late in some months and XXXX is showing never late. I reported it and nothing was change. It took them more then 30 days and still disputing. Which one is right? How can I have two different reporting when it's the same account. 

XXXXXXXX XXXX- opened XX/XX/XXXX {$1700.00} My Equifax is showing the last payment on XX/XX/XXXX and XXXX is showing XX/XX/XXXX. Then XXXX is showing the account was never late, but Equifax is showing it was late. I told them this account is fraud because I had to close my bank account because of this fraud account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Was denied credit due to negative information on report supplied by Southwest Credit. Never contacted at all before information was supplied on credit report causing defamation of character and load denial. Reported that the debit took place XX/XX/XXXX. I have been a resident of XXXX XXXX since XXXX. Account was cleared with XXXX XX/XX/XXXX no balance due since moving of apartment. No signature on any paperwork to verify thus debt. 

1. Statute of limitations expired in the state of XXXX  in XX/XX/XXXX. 
2. Southwest credit provided false information to the 3 bureaus without even verifying the debt which is unproven and the incident took place XX/XX/XXXX 3.  Caused a denial of credit and score drop due to in proven false information. 
4. Refuse to provide company address, web site and necessary information to receive written documentation. 
5. Disconnected from phone call on XX/XX/XXXX at XXXXXXXX when requesting mailing information. 
6. Reporting debt of {$180.00} that is not verified and created in another XXXX state back in XXXX past the statue of limitations. 
7. Attempting to force me to pay for something that is falsely created.
Product: Mortgage

PHH has no reasonable way for us to get them an authorization letter. They said they require it to be an original, mailed to them at a special address. This was done XX/XX/19. PHH is denying ever receiving anything and is refusing to speak to us when we call in. Oddly enough, they will speak to us on their outbound calls. They will not acknowledge a faxed copy of the authorization. It is clear that PHH is purposely attempting to block the executor from attempting to resolve the estate issues of the XXXX   borrower. Even the parent company is having these same issues with PHH, and their frustration level is evident. 

It is an Industry Standard to be able to fax or even email documents to a lender. PHH 's policy is unacceptable.
Product: Debt collection

Lvnv bought this account from XXXXXXXX XXXX XXXX. I never had an account with this bank. The account was closed out and was reported as positive and with a {$0.00} balance. Lvnv than bought this account and said I owe them {$630.00} as I don't owe them anything. I have submitted numerous documents to them and they are REFUSING to remove this frivolous account from my credit report.
Product: Credit card

Gemini credit card company has refused to update my balance to the correct amount after XXXX months of payments and is now charging me interest on a balance that is incorrect. I have contacted them over five times now to resolve the issue and they continue to lie about the current balance on my card. XXXX months of payments have gone by and the balance has not updated to the correct amount for me to pay off the card in full. This is fraudulent activity on their end.
Product: Credit card

I applied for a pre approval. I never authorized opening the account milestone credit card opened it without me agreeing the terms and conditions. After the account was opened the sent my card in the mail the address I applied with. I paid the annual fee. One day later they closed my account stating it was fraudulent activity. I never changed the address on the account and I believe a representative did it intentionally so my account would be closed. Now I have to wait 45 days for a check in the mail when my account was closed without any cause. The reason they provided is false. Ive been working fraud for 3 years and for milestone to use that as a reason is absurd and ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card companies such as XXXX XXXX and XXXX XXXX are reporting accounts to Experian illegally. These are fraudulent accounts and needs to be blocked by the bureau permanently as I fight to get these off my report. I am a victim of identity theft and the credit card companies are being very hard to deal with. I am the victim here and I am being made to feel as if I do not matter and they can do what they want. I am retaining an attorney to sue them separately. 

In the meantime my credit should not have to suffer as the Credit reporting agencies have the power to delete and block them. I request they do so. Attached is a copy of the police report as well.
Product: Checking or savings account

I tried to open a bank account and Valley Bank put two remarks on my consumer report stating I owe them a balance which I have paid and have a receipt. They also reported Account Abuse when there was no such account abuse. The balance owed to Valley Bank has been PAID and satisfied. Yet, Valley Bank will not remove the two remarks on my Consumer Report/XXXX  report.
Product: Credit reporting or other personal consumer reports

On XXXX I used my login information to unfreeze my transunion credit. It did not accept my email or password. I attempted to do a reset by putting my SS #, birthday, last name XXXX, and I did it several times, I was provided a message that no account existed. When I applied for a " new '' account, I was told I had an existing account and to do a password reset. I did this for several days, and today, I waited over an hour to speak with a transunion rep. He had no idea how to help and said no one at transunion could do a password reset. 

I still can not access my transunion freeze/unfreeze account.
Product: Vehicle loan or lease

I called Wells Fargo to complain about the very high fees, and rates for the loan on the car I received. I was given a {$780.00} a month for a XXXX  XXXX XXXX. I really like the car but I think the {$780.00} a month is too expensive. Thanks, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

back in XXXX  I created accounts with each reporting agency to uploaded the signed document from court stating they do not report to them. I also mailed them the documents and letters. I have been denied financing because of these unauthorized reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate information on my report despite numerous attempt to dispute negative items on my report. I have send evidence from the original creditor that clearly it is being reported inaccurate but comes back verified. Equifax is also reporting Bk on my report which cleary belongs to a family member they can not give me accurate verification methods use to verify the Bk I contacted the court and the court stated they do not furnish information to the credit reporting agency which equifax claims they verified the account which is false verification and violates the FCRA. I also have have court documents stating that the court do not furnish information to the credit reporting agency. Also the website never works correctly and when you call you can never understand the person you are talking to because they are from a different country. I will cancel my membership after 15 plus  years very poor service. I have a credit alert from other source and today EQUIFAX decided to report an open account ( closed ) and report it as bankruptcy. I will also file a complaint to the BBB and to my cogressional representative.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX has an accurately stated that I have missed payments stating back almost 2 years ago. These statements are inaccurate. I have not missed a payment at XXXX XXXX corporation. I called XXXXXXXX XXXX and was told I had to physically mail in a complaint that would cost extra money that I choose not to spend.
Product: Mortgage

Our Mortgage was transfer to this Company back in XXXX. We have not missed a payment. They are sending Default letter in the mail. Having people coming on our property taken pictures and dropping off DEFAULT PAPERS on our door steps. We have contact XXXX, they confirmed in their response we have not missed a payment with them. We have requested several times this company to provide proof. We have not received any proof. Our payment for this month have not cleared as of XX/XX/XXXX. It was mailed XX/XX/XXXX and last Month it cleared on XX/XX/XXXX.
Product: Credit card

I am writing to file a formal complaint against American Express concerning their failure to provide adequate notification regarding the termination of a promotional interest rate period on my credit card account, which unexpectedly led to an interest rate payment. Despite attempting to resolve the issue directly with Amex, I have not received a satisfactory response, nor have I been refunded the amount owed. 

On XX/XX/XXXX, I received a statement from Amex indicating that I had been charged interest fees on my credit card account ( {$100.00} ). To my surprise, there was no prior notification from Amex regarding the conclusion of the promotional interest rate period, which had initially attracted me to their credit card offering. 

I made an attempt to contact Amex through the channels provided, seeking clarification on the sudden accrual of interest charges without any notification, and requesting a refund of the amount owed. However, despite my efforts, I have not received any resolution to my concerns, nor have I been refunded the amount charged. 

Although the card agreement discussed it, there seems to be a lack of transparency and a failure to communicate effectively with consumers. This not only undermines trust but also raises concerns about compliance with consumer protection regulations. As a responsible consumer, I firmly believe that financial institutions have an obligation to provide clear and timely communication regarding the expiration of promotional offer benefits, particularly concerning future interest charges.
Product: Payday loan, title loan, or personal loan

I got the loan but was not expecting the interest or length of payments. I also didnt expect to have the insurance tacked on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on the following dates, I have no knowledge of them and they were not authorized by me XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that is inaccurate or not mine : The following accounts is inaccurately reporting that I was late : XXXX XXXX - Date Open : XX/XX/2016 ; Bal : {$11.00} ( TU, XXXX, XXXX ) The following accounts do not belong to me ; this account is a result of identity theft : XXXX - Date Opened : XX/XX/2016 ( TU ) ; XX/XX/2016 ( XXXX  & XXXX  ) ; Bal : {$0.00} The following are unauthorized inquiries : XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/2020, I filed a fraud dispute on XXXX XXXX ( Comenity Bank ) Visa XXXX  XXXX   ending in XXXX. XXXX XXXX  supposedly concluded this investigation but I was given no information on this matter from XXXX XXXX  or vendor that I was disputing charges from. I had my credit card and cell phone hacked and informed XXXX XXXX  about this, as well as, another card from XXXX XXXX. 

XXXX  XXXX had no problem researching these fraudulent charges and making sure these charges were not billed to my credit card. It appears to me that XXXX XXXX Visa XXXX XXXX  never did their research and I do not want to pay these fraudulent charges to XXXX XXXX. These fraudulent charges were almost {$6000.00}. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX Company I am disputing with is : Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019. AD ASTRA RECOVERY SERVICES added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA AD ASTRA RECOVERY SERVICES has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Debt collection

# XXXX, showing in printout of my credit, but not on the screen. {$20.00} in XXXX or XXXX, the Dr 's office on XXXX XXXX in XXXX refused to bill correctly, bill now with ATG bill collectors. Left that office because I was totally disrespected in the office. Visited only twice after my original Dr retired next door, once to register & 1 follow-up appointment. I had XXXX XXXX & XXXX. Bill should have been paid if billed correctly. Called several times, office was totally unprofessional. Please removed this derogatory blimish. Thank you
Product: Credit card

I am writing to formally report severe financial and personal hardship as a result of identity theft, compounded by the XXXX breach. As an XXXX  since XXXX, I have continually faced significant barriers due to language and cultural differences. Despite my proficiency in English, the complexity of financial terms and disclosures remains a substantial challenge, often leading to misunderstandings and mismanagement of my financial affairs. This situation was exacerbated by the unauthorized use of my personal information, resulting in erroneous charges and accounts that have devastated my credit history, which I had diligently built over the years. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verified information on my credit report and to have any inaccuracies promptly corrected. Additionally, the Fair Credit Billing Act ( FCBA ) and the Identity Theft and Assumption Deterrence Act provide frameworks that obligate creditors and credit bureaus to respond swiftly to disputes like mine regarding fraudulent transactions and accounts. The discrimination and negligent handling of my financial information have not only hindered my access to credit but have also led to violations of these protections. 

Given these circumstances, I demand an immediate investigation into these matters, and pursuant to the FCRA, I request the prompt removal of all inaccuracies and fraudulent accounts from my credit report. This corrective action is critical to restoring my financial stability and ensuring compliance with federal laws designed to protect consumers from such egregious errors and identity theft consequences. I urge for a thorough review and swift resolution to prevent further undue hardship and to uphold the integrity of consumer rights.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of duplicate student loans that are being reported on my XXXX credit profile. Upon reviewing my recent XXXX credit report, I have identified that the same student loan accounts that are named 'MOHELA/DEPT OF ED '' on my XXXX credit profile, are being listed multiple times as " MOHELA '', which is creating an inaccurate reflection of my credit history on my XXXX credit report. As these " MOHELA '' accounts are duplicates of " MOHELA/DEPT OF ED '' accounts please remove them from my XXXX credit profile immediately, and keep the accurate " MOHELADEPT OF ED '' accounts on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer to privacy and confidentiality. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : EXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account Number XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account number : 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 ) Sections 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 reports more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

XXXX XXXX XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit card or prepaid card

In 2017 I was going through some XXXX XXXX XXXX and was unable to work for a period of time. During this time I fell behind in my payments to Barclays Bank Delaware Credit Card. 

Barclays proceeded to close my account and charge off my credit. 

I have contacted Barclays several times about this matter to try and resolve the issue, make payment arrangements, etc ... and have never received a response, yet they continue to report this matter on my credit report as an unpaid closed account. 

I would like for assistance getting this item taken care of in an expeditious manner. ]
Product: Student loan

My student loan servicer was XXXX. I had a payment of {$11.00} due on XX/XX/XXXX. I made this payment on XXXX, to be posted XXXX. 

On XXXX, my servicer switched to Mohela. Upon creating an online account with Mohela, I noticed my XX/XX/XXXX payment was still showing due. I assumed it was still in processing. 

On XX/XX/XXXX, I sent a message via their secure message center, asking why this payment had not posted and was now showing past due. I received no response. 

On XX/XX/XXXX, I received a " friendly reminder '' from Mohela that I had missed my XXXX payment. 

I requested further clarification via their secure message center on XX/XX/XXXX. I received no response. 

On XXXX, I received an email from the Department of Education informing me my XXXX payment had been missed. 

The payment is not showing when I log into my old XXXX account ; only XXXXXXXX XXXX  payoff of the total appears.
Product: Credit card

Received threatening voicemail from a XXXX XXXX from XXXX XXXX XXXX stating she would be going to my place of work ( within the hour ), if I was n't available, she would find out from someone when I would be, then she would be going to my home, and then to a relatives home. I called them back. They would not tell me anything until I verified the last XXXX digits of my ss number. ( She stated ( " it is public information anyway " ) I did so I could get info. Said I had an outstanding debt with Citibank. Offered me 3 options or court. I told them court. She told me " Good luck ''. I then called CFPB and spoke to XXXX who instructed me to call Citibank and verify their credit debt collector. I called Citibank and spoke to XXXX who after researching my ss number found I had never had an account with them and also verified that they do not use XXXX XXXX XXXX. Called CFPB back and spoke to XXXX who instructed me to file complaint.