23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This complaint : Experian Several Issues in credit reporting 1 ) reporting extremely low, unfair credit score - not consistent with other credit monitoring a ) informing potential lenders of faulty credit rating : XXXX Mortagage Lending ( reported XXXX ; XX/XX/XXXX ), XXXX XXXX XXXX ( car loan- Experian reported XXXX ; XX/XX/XXXX ), as opposed to XXXX XXXX and XXXX which have been consistent. 
2 ) denied credit because of Experian Credit score rating ( XXXX XXXX XXXX ) 3 ) after denial of credit, Experian offers loans/ has offered loans based on a low my credit score 4 ) XXXX  XXXX bank XX/XX/XXXX reported XXXX from XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) XXXX cause for reporting such low credit scrore XXXX ) XXXX points below XXXX and XXXX 2 ) XXXX wiped out my positive consumer credit history- oldest account ( mortagage XXXX and XXXX XXXX and all accounts since XXXX ) 3 ) Evidence/letters /denial of credit support complaint that Experian is not conducting fair banking / credit reporting- and defauding me of the best loans and offers. 
4 ) there has been no consumer activity from me since XXXX to change credit score or to have fluctuating scores between credit reporting agencies. 

I would like help getting Experian to put my credit report back the way it was ( with all my good credit ) and report my score more accurately. Thank you
Product: Student loan

For many years, I have been on an automated student loan repayment plan with Navient, where they withdraw {$70.00} each month from my bank account. This month the loan was finally fully repaid on XX/XX/18, with the last payment slightly reduced to {$70.00} to reflect the last remaining amount on the loan that was actually due. 

After this months payment posted on XX/XX/2018, Navient showed I still owed a balance of XXXX cents on this loanand that they had scheduled another $ XXXX payment to be withdrawn automatically from my bank account next month. If I had actually still owed XXXX centsthen the amount they should have withdrawn this month for my last payment would have been {$70.00} XXXX still XXXX cents less than my normal monthly payment ), and resulted in a zero balance. 

I can only guess that having their system erroneously reduce the normal payment on what should have been my final payment for the sole purpose of producing a small amount still owed on the account apparently allows their system to attempt to fraudulently withdraw a full payment ( clearly no longer owed to them XXXX next month from my account. 

If I hadnt caught this, who knows how many more months they would have unjustifiably generated a small balance still due on my account for the purpose of continuing to fraudulently collect a full monthly payment no longer due to them from my bank account through their automated system.
Product: Debt collection

Capital One will not provide the total payment history of the debt for credt card ending in XXXX which became XXXX. They only provided the last several years, but the original account ending in XXXX dates back to year XXXX or earlier. 

Capital One has not provided any proof of the original agreement that was signed so I can ascertain my position and in which state the loan was matriculated. Year XXXX or earlier. 

The original agreement should have followed an APR of " Prime rate plus margin '' metric and this was not followed as the prime rate was lowered several times during the crisis from XXXX to XXXX. This is a potentially serious breach in the original agreement which I had requested proof of signature. The changing of interest rates was not something to which I agreed, and I was never notified of any changes to the original agreement.

Capital One may have contacted friends and or family including my children via phone as well as my elderly parents asking about me and potentially revealing details about my debt without my knowledge. 

Capital One suffered a massive data breach in years XXXX, XXXX, XXXX, XXXX and XXXX. I believe my personal credit and personal information was breached in many of these cases, and I received unwanted robocalls, telemarketers, and unsolicited emails and postal mail as a result of Capital One 's failure to ensure the consumer protection I am ensured by law.

Capital One also reported unfairly to credit agencies for late payments that were deemed late because their phone system did not allow for calls dialed to them before the cut off time yet finished after the cut-off time to considered an " On time payment. '' I had this happen to me many several times and as a result my credit score and credit reporting were unfairly damaged. I believe this is something that has affected thousands if not hundreds of thousands of customers. 

Capital One also provides " confirmation codes '' on the phone payment system which are intentionally misleading. For example - all confirmation codes were impossible to ascertain as Capital One intentionally used letters and numbers that were phonetically overlapping and similar such as " 3 & P '', " 3 & C '', " P & C '', " D & T '', " 3 & D '' etc making it entirely impossible to feel secure as a consumer that my payment confirmation code would be validated or useful for reference. Feel that this could have affected thousands or hundreds of thousands of customers.
Product: Credit reporting or other personal consumer reports

Equifax continues to furnish Previously Disputed for deletion child support account. Was mailed updated Consumer Files showing deleted results but account is still showing under closed accounts on the Equifax app
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all these, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the Identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve these issue as soon as possible. 

PLEASE DELETE THESE FRAUDULENT ITEMS : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX  XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and Utility Bill as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Could not purchase vehicle due to erroneous credit file freeze by XXXX XXXX XXXX reporting XXXX via Trans Union and XXXX- XX/XX/2019. We, I, US have never had any personal contact with this service or organization and we purchased a vehicle just two weeks ago and this did NOT come up! XXXX credit report significantly lower causing major financial impact!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX QUE XXXX XXXX XXXX DE XXXX XXXX XXXX MI XXXX DE XXXX XXXX XXXX FAVOR XXXX XXXX LA XXXX QUE XXXX AN XXXX XXXX MI XXXX DE XXXX DE XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was Recently reviewing my credit report and noticed multiple fraudulent accounts and inquiries. below are fraudulent inquires on my report XXXX XXXX  Below are fraudulent collections or charge offs on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Was not able to make a payment due to being out of town. Company calls my employer multiple times a day. Somehow the company acquired my boss 's personal cell phone number and contacted him to intimidate me into paying off my loan.
Product: Student loan

I made a proactive payment {$600.00} to my daughter 's student loan account with Mohela to reduce her balance. I made a payment on XX/XX/year> via Mohela website and the funds were withdrawn by Mohela on XX/XX/year>. Next month I wanted to make another payment and noticed that {$600.00} were never applied to her account. I called them, nobody was able to tell me what was going on. I emailed them and I uploaded bank statement with the date of withdrawal. Nobody ever reached out to me or responded to the email. I called every month to check on the money and was told they are filling out a form for the supervisor to review. Each time I call I wait on hold for over an hour, I asked to speak with supervisor and the issue has never been resolved. I was asked to email them bank statement again because they lost the uploaded one. This has been going on for over 6 months with nobody willing to look and resolve the issue.
Product: Credit reporting or other personal consumer reports

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 Account Number : XXXX has violated my rights. Or list of inquiries 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: Money transfer, virtual currency, or money service

I transferred {$1800.00} on XX/XX/2024 to a XXXX XXXX that was part of my Venmo profile but the account has been closed for over a year. XXXX reported that they returned the funds on the same day. XXXX provided the following reference number XXXX. 

I opened a dispute with Venmo on XX/XX/2024. They denied the despite stating that " XXXX XXXX '' has no record of any transfers. I do not have and have never had a XXXX XXXX account.
Product: Credit card or prepaid card

I've had a credit card with Citicards for 15 years and have always made payments on time. 

Recently, I linked my account to another bank account that I ended up having issues with, and a few payments were returned. I always made a payment when I was alerted to this, and the payments were never more than a few days late. 

In XXXX, they called me to tell me a payment had been returned, and I immediately paid two months worth of payments due. I was told my next payment would be due on XX/XX/XXXX. I found out my card was then placed on a 30 day hold due to the returned payments - fine. I spoke to several people on the phone and no one told me it would be an issue in the future. 

Since I didn't have a payment due until XX/XX/XXXX, I didn't think anything of it. Then, on XX/XX/XXXX, they attempted to take a payment from my account through AutoPay ( my experience had been that if your minimum payment was {$0.00}, they wouldn't try to get a payment on the due date ). I called Citi and was told that they did always try to take more payments anyway, but that because of the misunderstanding, they'd refund my {$37.00} fee. I also asked if this would mean another 30 day hold and the customer service rep told me no, my account was fine, and I was welcome to use the card as normal. 

So I was very surprised when a few weeks later, I logged onto my account to find out it had been closed, due to " poor account performance '' aka the returned payments. If I had been warned at any time that my account was at risk, or had gotten TRUE information from the customer service reps, or they had even MENTIONED that a payment would be taken out even when one was made, I would have immediately paid off the whole account so as not to risk my credit score. Now, my 15 year old account is closed and my credit score is in the toilet, all because of some clerical issues with a bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax are in violation of FCRA. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I've demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts in dispute. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts I requested to have verified.

I submitted 2 letters along with driver 's license, social security card, and cell phone bill to prove my identity and current address over the last 60 days requesting verification and have received 0 verifiable proof.

I have 2 accounts that have not been properly verified and are still being reported on my credit report.

1 account is for {$610.00} and the second account is for {$4100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My filled complaint was closed without providing me the results of investigation. Again I am disputing these items and wanted them to be removed from my report. Here are the accounts appearing XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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: Money transfer, virtual currency, or money service

On XX/XX/2022 at XXXX pm EST, I ordered a computer from an individual for {$2500.00} through XXXX with US Bank. I was promised a 2-3 day turnaround time, but the individual stopped replying and did not deliver the computer I purchased.
Product: Student loan

After multiple attempts to resolve this issue with the loan servicers, American Education Services and National Collegiate Trust, by presenting a reasonable repayment option that would allow for a full repayment of the loan they have illegally defaulted on. Their actions have been in direct violation of multiple federal laws. I am providing 30 days for these companies to agree to my terms of a full repayment of my student loans under the condition of a complete reversal of all illegal negative credit reporting against myself and my co-signer, as well as reasonable monthly payments. If no attempts to resolve this issue are completed, I will be forced to use the courtroom to protect myself from this blatant discrimination against my and my cosigner 's federal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a bankruptcy on my credit file. Ive written multiple letters demanding this unverified information removed. They claim this information came from XXXX. I have checked with XXXX and they do not have a bankruptcy on my file. I have also contacted the court and confirmed that information is not coming from them.
Product: Debt collection

after frequent messages left and contacting me through my former employer number, I called and tried to negotiate to resolve the balance. the collections agent was rude in her language, threatening further recourse. I asked repeatedly for terms to work through this unexpected debt received after other medical expenses had been covered and paid for my youngest child 's XXXX.
Product: Mortgage

On XX/XX/XXXX, I attempted to get a mortgage preapproval letter online. I received a call from XXXX XXXX with Amerisave Mortgage Corporation. I explained to him that my realtor wanted me to get a preapproval letter before I started to look at houses. I told XXXX XXXX that I only needed the preapproval letter. 

During the process, which I thought was to get a preapproval letter, I was asked to pay {$500.00}. I was told this was to lock in a loan rate for a set period of time. I was not interested in locking in a loan rate ; I only needed a preapproval letter, and I told XXXX XXXX this. I asked XXXX XXXX if I could get a preapproval letter without paying the {$500.00}, he told me no. I have never bought or even looked at houses before, so I believed him and paid the money. If he had done what I wanted, which was a preapproval letter, I never would have had to pay the {$500.00} to begin with. I never wanted to apply for a loan, but I was told this is what had to happen to get a preapproval letter. 

After I contacted my realtor and found out this is highly unusual, I asked XXXX XXXX for a refund, he refused. I asked for XXXX XXXX 's managers contact information, which he sent me. I sent an email to XXXX XXXX and never got a response back. 
XXXX XXXX lied to me about whether or not I could get a preapproval letter for free and then charged me {$500.00} for it. I never got the letter. After finding out he lied to me in order to steal {$500.00}, I was too afraid to find out what else he might lie about to continue the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an XXXX collection that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX 's part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my XXXX   and XXXX reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.
Product: Credit card

indigo credit card has charged me with too much interest and fees for being late, even after i explained my financial problems.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXXXXXX and sent them a cease and desist. I also requested specific documentation from this company which i have yet received a response. XXXX XXXX is in violation of my rights as a federally protected consumer.
Product: Credit card or prepaid card

In XX/XX/2019 when traveling thru XXXX airport with Delta, I was approached about opening an AMEX Delta Gold card, and would obtain XXXX bonus points/miles. I was asked if in the last year I have applied for a " Delta AMEX card '', which I had not. I had to spend x amount of dollars to receive the bonus in 3 months. I have spent that amount and when I called about not receiving my bonus points I was told that due to my credit history I did not qualify for this promotion. I told them well I was never told that when I was applying. We pay off our bills every month, I don't carry balances on any cards. After 1st customer service representative couldn't help me further. I asked to speak to his supervisor. Which I did and he told me that since I had opened up a XXXX AMEX card in XX/XX/2019 that I was not allowed to get the promo with Delta AMEX within the same year. 1st he said that I should have gotten a pop up online telling me this but when I said it was a representative in the airport he said well they should have told me. Well they didn't, or I wouldn't have opened up the card at that time. I asked who those representative were employed by so that I could make a complaint to the right place whether it be Delta or AMEX and he said they are employed by one or the other, could be either. I asked to speak to someone else to further my complaint and he was to have someone call me back in 24-48 hours. I never received that phone call. I am very dissappointed in this customer service. I should have been notified at the time of application and I was not. I feel they didn't tell me knowing that I would not finish application and then they would have not met their quota of applicants for the day. i was even more upset because later that week I received an email with an offer for more miles than I was offered in the airport. If I am not available for the promos why would they send out an email to me offering it. Especially after I had applied. The fact that when I was promised a phone call back and never received it is very upsetting. The offers were with separate companies