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

I would like to dispute these inaccurate accounts on my credit report. Please see the listed items below : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called equifax two times on XX/XX/XXXX because for some reason my credit report is gone, it says that it hasnt been updated since XX/XX/XXXX and this is getting me really upset because when I called they gave me the run around, first they told me to use a different device to log in to my account to see if it works and then they said that they are aware of the problem and that they are working on it but I know that what they told me isnt true. I cant access my credit report anywhere online, XXXX XXXX doesnt work or any of that. I keep getting the code BLNK when I log into my account and when I call equifax and give them this code, they cant fix the problem, I need this problem fixed because this is annoying and I am being affected by it, when I apply for loans, I get denied because of my report not showing at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX " Two '' Hard Inquries, ..please remove!.

I have no knowledge of these accounts, ..and they are no attached to any open accounts. 

Thanks.!
Product: Debt collection

Received this letter at our office. I have never done business with the mentioned company, owner, or associates and believe this may be a scam. 

The demand letter never references services rendered, legal agreements of service, or anything other than send them money. 

The company supposedly I owe money to, Ive never seen, met, interacted with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my phone stolen some time ago and its been longer than XXXX years with XXXX XXXX and I called them right after it happened
Product: Credit card or prepaid card

To Whom it may concern, On XX/XX/2019 my entire wallet was stolen, including my credit cards, IDs, and money. Two purchases were made that were fraudulent. These purchases include one to XXXX XXXX for {$48.00} and one to XXXX for {$160.00}. I have contacted the Bank already and have filed a fraud dispute with them and the charges are still pending due to the fact that they were fraudulent. In addition, I was told by XXXX XXXX a charge was made to XXXX XXXX XXXX XXXX for over {$500.00}. This purchase has not appeared on my statement or on my credit report. However, the two purchases for Bank of America have been posted to my credit report, yet are still pending on my credit card statement.
Product: Credit reporting or other personal consumer reports

TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX XXXX : EXPERIAN XXXX XXXX TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDN'T GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS AND LATE PAYMENTSTHEY READ : XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX LATE PAYMENTS ACCT # XXXX, ACCT # XXXX, XXXX XXXXXXXX ACCT # XXXX, XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX ACCT # XXXX AND NAMES AND ADDRESSES 1M NOT FAMILIAR WITH THAT'S ATTACH TO POLICE REPORT- TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER RIGHTS AND HUMAN RIGHTS PLEASE DELETE THESE IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MA'AM. 
SINCERELY, XXXX XXXX XXXX UCC 1-308
Product: Credit reporting or other personal consumer reports

I submitted a dispute on my credit report with Capital One Bank USA for two hard inquiries that was supposed to be a soft inquiry and the company did not acknowledge their pull and its still on my credit report without my permission. It was supposed to be for an auto loan and they were only supposed to do a soft inquiry to check my credit score in which they did not do that and instead they put two hard inquiries on my report on XXXX XXXX XXXX and XXXX XXXX.
Product: Credit card or prepaid card

Citicank is stating that I have an account ending in XXXX, but I have no records of this account and it is not showing up in my Citibank website. I have called Citibank multiple times to try to resolve this but they have not sent me any information on this account. I have requested them to sent me all documentation showing how & why they believe this is my account. I told them I don't have any problem paying, but there is no statements, billing, nothing on this account. This has been going on since XX/XX/2018 when I first called them about this. I have also, called XX/XX/2018, XX/XX/2018 & XX/XX/2018 about this account and requested statements, documents, etc on it but have not received anything on it. Citibank reps have called me only to request payment on this account, and I again requested the information but have not received it.
Product: Credit card

Hello, this is regarding capital one credit card, my due date usually will be 6 of every month. But the statement generated by capital one is XXXX of every month, I am not getting XXXX  days as promised by come to pay the bill, I am hardly getting XXXX  days. Which is wrong. Why it takes so much time to generate statement. Is the company waiting on me to make more purchases and add interest on that. Same issue with other cards too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to TransUnion damn near two months ago pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. What the XXXX is going on? I mean seriously? Im about ready to take legal action at this point.
Product: Credit card

Re : Wells Fargo Credit Card On XXXX I made a payment of XXXX on my account but realized I had done a cash advance in error. Immediately noticing my mistake I called the bank and talked to someone in the checking dept. who made the payment for me. She the transferred me to the credit card dept and the gal told me she would reverse the transaction. 
On XXXX I looked at my account and the reverseal was not made. I called the credit card dept again and spke to another gal who said she would reverse the transaction, instead she reversed the payment in error. 
On XXXX I again called the credit card dept and spoke with a supervisor named XXXX and asked me to call back again when the deposit posted to my checking account and all the fees and reversals would be adjusted, On XXXX I checked my account and now had a late payment of {$15.00} and called again. XXXX told me to make the payment and then call back when is was made and all the adjustments would be done. 
I believe I have been getting the run around and the bank has ignored my calls and emails. Please help
Product: Debt collection

I closed my Citi Thank You Preferred card on XX/XX/XXXX via a call with the CSR. It was very productive, and they helped me pay off my balance and close the account. 

About one month later, on XX/XX/XXXX, I got an email saying that my closed account was past due, and I owe a payment of {$35.00}. This was a surprise to me, so I called the CSR ( employee ID XXXX ) and they said they could only help me pay and could not help me dispute the late fee. Additionally, they could not tell me the schedule for the fees I had been charged, or when they were set to increase, so I am very confused and am unsure what my options for resolution are. Additionally, they will not let me set up an online account since my card has been closed, so I can't even check the statement!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. I XXXX XXXX has verified the accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX, XXXX. Account Number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account name : 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 ) 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.

I would like to also add that these inaccuracies and incorrect information is preventing me from accessing credit and a mortgage for me and my family.
Product: Credit reporting or other personal consumer reports

I'm writing to complaint to EXPERIAN about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX, and I go by XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Product: Mortgage

My loans with Fay Servicing have Taxes and Insurance taken out every month from my bank. Fay Servicing is stating despite them taking out Insurance and Taxes, they are not willing to pay the insurance to my insurance carrier. Please see below email. 

Hi XXXX, Checked in with them this morning and they are rejecting both XXXX XXXX XXXX and also XXXX XXXX XXXX. 

Have called them twice this morning and talked to 2 different people and both said it was ok and then they got a note from their escrow dept that said no they would not be making the payments.

Told them I had paperwork showing you are paying the taxes and insurance through the escrow and they are saying only taxes. Not sure how they came up with that one. 

Gave the last person I talked to my contact information and she said she would call me if she could get it changed. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX AXXXX XXXX office : ( XXXX ) XXXX fax : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Amount : XXXX Actions : Reported this error with XXXX XXXX they could not get it removed. Experian recently denied my request to resolve this based on the previous ( failed ) attempt, so I am need this agency 's help. I also contacted the card company and they show no record of this negative item. Please have them remove this negative item from my credit report.
Product: Student loan

Good Morning, I know there is a lawsuit against Navient. I graduated from XXXX ( XXXX  XXXX-XXXX XXXX  ), XXXX XXXX College ( XXXX-XXXX  ), and XXXX University ( XXXX in XXXX XXXX  ). I have served over ten years in XXXX XXXX XXXX XXXX XXXX XXXX, and I am being denied the {$18000.00} loan forgiveness because I had to combine my loans because I could not afford XXXX per month student loan payments. I have also been rejected for XXXX loan forgiveness ( I worked as a XXXX XXXX XXXX, etc. ), as well as public employee loan forgiveness. I am being denied three types of loan forgiveness programs because I had to combine my loans to ensure that I did not default on those loans because I would not be able to afford to pay them and was being a responsible adult. 

I upload all the documentation from Senator XXXX XXXX reply as well as the XXXX XXXX loan forgiveness denial letter from Sallie Mae. Sallie Mae transferred my loans to Navient. I now work at the XXXX XXXX XXXX XXXX in XXXX, New York which is another XXXX XXXX XXXX working with XXXX XXXX XXXX
Product: Debt collection

I am dealing with a major hardship in regards to finances. I am on XXXX due to health issues. I am struggling with all of my bills and I am barely getting by. The continuing text, and emails from Affirm has been so overwhelming. I do not even have enough money to pay for my copays for my scheduled doctors appointments that I need to have to be able to get my medications. I would appreciate it if all of the threatening messages in regards to turning my account into collection would PLEASE STOP stop! Mentally I am already disturbed about this and I am down on myself enough and obviously.. I greatly appreciate your time and help in this serious matter. 

Kind regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Experian has been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored this documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. The account is as follows : XXXX XXXX Date Opened : XX/XX/2018 Balance : $ XXXXIm attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card or prepaid card

In the end of XX/XX/XXXX I received a phone call from Bank of America regarding a requested reimbursement of a bill payment on my account and if it I had made the request. I informed BoA that I had never made any such request. 
BoA immediately informed me that the account had been hacked and that fraud was committed regarding my account. 
BOA immediately closed that card number down and advised that a new card will be in the mail soon. 


On my charge card statement due on XXXX XXXX for charges from XX/XX/XXXX - XX/XX/XXXX, I noticed two unusual, large charges listed as payment adjustments. I immediately contacted BoA and was informed that they had processed ( 2 ) reimbursement of payments. 
On XX/XX/XXXX, Bank of America added {$2900.00} to my charge account claiming that I had requested a reimbursement for my payment made in XXXX. On XX/XX/XXXX, they added {$1100.00} to my account again claiming I requested a reimbursement of my payment from XXXX. I informed them that I did not ask for any reimbursements nor did I receive any funds. After multiple calls over a couple of months and many different departments, it was finally resolved. When resolved, they informed me that they could not credit my credit card account for the charges but instead had to reimburse my bank checking account for the disputed amount. When I questioned additional interest charges because of these fraudulent charges, they assured all of them would be credited. On the statement immediately following my reimbursement to my checking amount from BoA, I paid them the full previously disputed amount. Prior to that statement, I paid for all legitimate charges in full but was told not to pay for the disputed amount or the subsequent interest charges. On that statement, I was charged {$20.00} interest which was eventually refunded on XX/XX/XXXX. On the statement dated XX/XX/XXXX, I was charged an additional interest charge of {$39.00}. I have continued to pay my bill in full for all actual charges, so this additional interest is based on the fraudulent reimbursement. I immediately contacted BoA and disputed the interest charges that I was previously told would be credited when the fraud was resolved. After many calls, BoA denied my dispute and will not take those interest charges off my bill.
Product: Credit card

American Express informed me that they 're raising my APR for new purchases. They informed me that they 're raising my APR because it is lower than the average rate for new applications for similar cards.
Product: Credit reporting or other personal consumer reports

They took me to court I proceeded with validation of the debt. The debt has discrepancies in the validation, provided them another document to provide correct validation of the debt they have not done that they took me to court, and the court favored them, even though the debt was not validated.
Product: Credit card or prepaid card

Citi Bank ( credit card ) charged me a fee for a returned check and disabled my credit card from use, without any notification to me the card holder ( no email, call, text, etc. ). However, the payment which they claim was returned shows as posted. My account balance shows as paid and within my credit limit. 

I called Citi bank to ask why my account had been disabled. They informed me that I needed to make a payment, so I made another payment but still my card was disabled and not working. Then when speaking with a supervisor in the call center they informed me that my payment had been returned, despite showing as posted. They shared that Citibank provides consumers no notification when this occurs and does not make the returned payment visible to the card holder. The only way for me to know it was returned would be to see the returned check charge posted to my account. They also informed me that I now had a " double payment '' situation. Since they will still attempt to draft my original payment and now they will attempt to draft the new payment which I was told to submit. They have no way to stop these payments and if I don't have the money in my checking account for both payments, I will be charged another over draft fee ( and potentially a second overdraft fee from my other bank ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a XXXX Credit Card. My Credit Card application was declined. I phoned XXXX reconsideration line to see what happened. The XXXX representative gave me information based on the TransUnion report that XXXX received from TransUnion, based on which I would not meet the standards for the Credit Card. However, the information that TransUnion sent XXXX was outdated. I compared the amounts owed to my XXXX Credit Card XXXX XXXX, and the XXXX representative and I could verify that the TransUnion report was outdated and not correct. The TransUnion report showed that I owe bigger amounts of money. Same happened with my reports on my XXXX Credit Card and my XXXX Credit Card. The information that TransUnion sent XXXX was outdated and incorrect. I attach screenshots from my online profile from the Banks of what I owe to the Credit Card as of today XX/XX/2020. If you compare my attachments with the actual report generated by TransUnion on XX/XX/XXXX you will verify that the TransUnion Report is outdated. I phoned TransUnion but the answer I received was that there was no representative that could assist me, and during XXXX the offices of TransUnion are not completely open. The offices of TransUnion being closed and not providing XXXX  with an up to date report caused a Hard Inquiry on my Credit Profile, and I would like to ask to have this Hard Inquiry removed.