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

I have connected XXXX XXXX for two years. I have hired a credit agency to help. XXXX XXXX has continued to report incorrect information to my credit file. When I call to speak with an XXXX XXXX agent, I am told my account is not with their office. They also go on to let me know that they can not look any of my personal information or account because my debit is not with their office. However, XXXX XXXX is reporting that I how over XXXX in student loan debt on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX Experian Date Last Active : XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

PayPal prepaid/NetSpend debit XXXX opened XX/XX/2022 several XXXX deposit and withdrawals had been performed, but there was no evidence no transaction of any where appearing anywhere in, so I called all the time to complain, was treated very rudely, accused of stealing, lieing, owed nd told it's your account not our issue.09/20/2022 Unauthorized withdraw {$530.00} for XXXXXXXX XXXX XXXX reader taken by XXXX Play athorized by XXXX Pay XXXX only knew this because I called before bed to check balance and again in morning and wasn't correct, called agent informed me of the issue and wouldn't wait for me to get the rest of my cash off the card he blocked it, and last I've seen or heard about, on XX/XX/2022 XXXXXXXX XXXX refunded me for the XXXX that was added XX/XX/2022 charged XX/XX/2022 and refunded XX/XX/2022 proven no purchase {$74.00} refunded and XX/XX/2022 I received in my XXXX invoices for everything and screenshot or downloaded as much from there mobile app, but they won't accept, also XX/XX/2022 day card was blocked and agent informed me of the transaction those records are missing I have bank statement showing I had money XX/XX/2022 {$2300.00} on card withdrew {$1500.00} XX/XX/2022 and was {$620.00} still on card night of XX/XX/2022 XX/XX/2022 invoices for that day of transactions gone XXXX XXXX isn't even shown how I obtain the cash
Product: Credit reporting or other personal consumer reports

I have contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have responded saying accounts verified but supplied no evidence or method of validation. They are not cooperating with me at all. The accounts were opened in result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 I tried reaching out several times and filling disputes with XXXX and Transunioin to update my loan balance to reflect XXXX dollars.
Product: Student loan

I have had a private student loan with your company since XX/XX/XXXX and for 7 years, never had a late payment. I recently discovered that I had a 30 day late mark for my XX/XX/XXXX payment. I also received a collection notice from XXXX XXXX for the entire balance of my loan. My mother has had these payments for this particular loan since it originated and from what I understand, the loan was on autopay. My mother, XXXX XXXX XXXX, was able to get the balance on the co-signed loan up to date in XX/XX/XXXX but not without consequence. My mother 's and my credit report and score suffered significant damage from this negative remark due to the late payment. 
What I am asking of your company is to consider our prior history of on time payments and remove the negative remark on both of our reports across each of the three major credit bureaus ( XXXX, XXXX and XXXX ). My credit score dropped about XXXX points and I make it a point to ensure my payments on time. Part of my good faith effort to reconcile this issue is to update my contact with our company so I may be able to monitor this account more closely in case my mother is not able to make a payment.
Product: Credit card or prepaid card

On XXXX 2020 capital one reported I was late on payment.When it is on auto bill they tryed to pull the payment but it was rejected they did not notify me that it was rejected. I talked to the manger of company and he insurance me it would be removed because it was there fault. now sense then I can not get a mortgage because this late mark and the company will not help me
Product: Consumer Loan

I leased a 2013 XXXX truck and financed the lease through US Bank. The vehicle was turned in in excellent condition but upon turning in the vehicle, I was charged {$590.00} for alleged wear and tear on the truck bed. I took photos of my truck bed before turning it in. The bed was in very good condition. It had been protected by a Bedrgug truck bed liner. There were small dings that did not exceed the US Bank excessive wear and tear table. In addition to this, they charge a {$390.00} lease termination fee which I am paying, however, this appears to be a bait and switch tactic. They lure the consumer in with low lease prices then charge unreasonable lease termination fees attempting to influence the consumer to buy the vehicle at the end of the contract. Even though I did lease a new vehicle at the end of the lease with US Bank, they still charged me the lease termination fee. I am attaching photos of the truck bed to show that there is not damage in the amount of {$590.00}. To avoid these unreasonable excess wear charges, one would have to park the vehicle and never use it. This alleged damage is in the bottom of a pickup truck bed, but as the photos show, the bed is in very good condition and in no way would impact the value of the truck.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion changed my name on XX/XX/2021 to a XXXX XXXX XXXX XXXX. I called on XX/XX/2021 to have it corrected, which is not still corrected at this time. I received a copy of my credit report and the XXXX is still on there. They never corrected per the phone call when I asked them too. My real name is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documents to XXXX, XXXX, Equifax via certified mail last month XX/XX/2022 i have yet hear any response back, it was about incorrect reporting info about all the hard inquiries I have on my credit file which I did not do, someone stole my identity a while back and there still out there applying for things in my name, I've have had a fraud alert in place on my file that anyone trying to get credit to call me and verify. I did not receive any calls back or anything for any of those I did not verify any of those. the only think I have has a hard inquiries should ne XXXX  XXXX XXXX XXXX my bank that's all I've applied for I want all this inquiries removed that were fraudulent done there's multiple ones on there of the same thing over and over I also sent over letter that 3 accounts to be removed immediately for wrong inaccurate reporting i will attach letters sent along with FCRA violations committed these accounts have been paid in full and the lender agreed to remover them
Product: Mortgage

On XXXX XXXX, XXXX, I made an online request for the payoff amount with Mr. Cooper. The automatic system indicated a {$25.00} fee is required to get the information " expedited. '' I opted for the 2 - 3 days quote by mail. After five days passed and no quote by mail, I attempted to connect with a representative by telephone and online chat. The AI chat would not connect me with an agent. But the chat feature again advised the {$25.00} to expedite online or by e-mail, but there is no charge to get the payoff information by mail, in 5 to 7 business days. 
Today, XXXX XXXX, XXXX, I received the usual monthly statement for the payment due XXXX XXXX, XXXX. But no payoff quote. So, I called the customer service number noted on this latest statement, as their recordings will show, after about 45 minutes on the telephone I attempted to get connected to a representative. Neither the telephone nor online chat feature would connect me to a live agent. 
What has happened of course is that I will pay more in interest than I would have had I been able to pay off the mortgage on XXXX XXXX or XXXX. 
Seem it would cost them more to process the information for mail delivery than one online click. And why would I have to pay to get the information I requested?
Product: Credit reporting or other personal consumer reports

( XXXX ) Experien is using email to send weekly & daily information that is not wanted. in my previous XXXX related complaints ( XXXX filed XX/XX/2023 ), I asked for a paper copy of my updated Experien Report. Company has refused to do so. 

( XXXX ) I have requested not to use email to send me marketing information or others. Company has refused. Continues to send me massive amounts of email information that is unwanted and unnecessary.
Product: Vehicle loan or lease

Near the end XXXX I refinanced the loan with Capital One Auto Finance. In talking with their reps, they've sat on the paperwork for about a month now and have not yet even sent it to the state to perfect their lien. I now can not sell or get out of the vehicle and so am stuck with it and with their loan since the title shows the old lienholder. I've made several calls, including today, and as of yet it still has not even been sent. I've also been hung up on trying to ask and understand why it's taking them so long with no resolution provided so far.
Product: Credit card or prepaid card

Citibank once again has allow an vendor XXXX XXXX  place reoccurring charges on my account without my consent or knowledge. 

I filed the same complaint with the CFPB back in XX/XX/XXXX, when Citibank did the same thing with vendor XXXX XXXX XXXX XXXX. 

I contact Citibank and went over in detail the only vendor that should have authorization to set-up reoccurring charges. Citibank ensured me no other vendor would be able to set-up said reoccurring charges without my express written consent. 

On XX/XX/XXXX, Citibank allowed XXXX XXXX  to place an {$12.00} monthly reoccurring charge on my account and has refused to refund and block said card from XXXX pacing any additional charges on my account.
Product: Credit card

My XXXX XXXX XXXX and fifth third credit card was stolen in XXXX  and used along with my XXXX  prepaid card. When I contacted the credit card companies they stated they would close the account and XXXX required that I file a police report. I filed a police report for the XXXX card but did not for the other XXXX cards because I was not instructed to do so I was only informed the cards would be closed and charged off. XXXX XXXX XXXX bought the debt and is now suing me for this debt. I was informed by them that I had to fill out an affidavit regarding this debt at FTC.gov.
Product: Student loan

I have submitted my teacher loan forgiveness application five times to Navient for {$5000.00} of loan forgiveness and it keeps getting denied. Every time I call and speak to someone they give me false or conflicting information. The first time it was denied and the customer rep. told me to " click '' a box '' that I shouldn't haven't " clicked '' and the last time the person told me to update all of the dates on the application and it was denied again. Now this last time it was denied ( the 5th time ), they told me to have chief administrative officer write a letter stating that my service dates were true and accurate. He did this and they still denied it. I have worked at a low-income title one school in XXXX for 2 years and this is my 5th consecutive year at the XXXX XXXX in XXXX which also is a title one school. That equals 7 total years. I can provide pay stubs and XXXX tax forms that I have been working here. I believe they keep denying my application so that the funds are not forgiven. ( this is fraud ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I filed a complaint in XX/XX/XXXXabout this company and their poor business practices. They acknowledged that they made a mistake, had incorrect information and had corrected the mistake with the credit bureaus. After they acknowledged the mistake they RECONFIRMED THE DEBT in a XXXX  dispute! This is the worst type of collector, one that doesn't even make an effort to establish whether disputes are legitimate debt or mistakes, they just automatically confirm it with no investigation. Twice. 

My complaint : In XX/XX/2019 I was notified that I had a collection on my credit report Waypoint Resource Group account # XXXX. I disputed the account with XXXX. Waypoint verified the items with XXXX! I contacted to Waypoint directly on XX/XX/XXXX speaking with XXXX and XXXX XXXX. They both informed me that my address and birthdate did not match up with their file. At that point they told me they couldn't discuss the account with me because they could not verify my information! Of course they couldn't because it's not my debt, I say. Please remove it from my account. They can't remove it because I'm not the owner of the debt. They tell me a can dispute it with XXXX   or the original creditor. I called the original creditor, XXXX XXXX XXXX and spoke with XXXX employee # XXXX who could not find any delinquent accounts attached to my name, address or social security number. He waited on the phone while I tried to conference call Waypoint to hopefully resolve it with them but after being on hold for 5 minutes, we were hung up on. XXXX didn't want to wait any longer so we ended the call. I have started another dispute with XXXX with the additional information obtained. Waypoint never contacted me ( because they didn't have my contact info ) but were able to put a collection on my credit report and then did nothing to resolve their errors. 
Waypoint response I appreciate Mr. XXXX reaching out in regard to this matter and apologize for any inconvenience and/or frustration that he may have experienced because of it. Waypoint Resource Group was assigned this account to perform third party collections for its client. Upon researching the account, Waypoint discovered that it likely had incorrect contact information on its actual customer and had contacted Mr. XXXX  in error. Upon discovering the error, the credit bureaus were notified to delete the Waypoint tradeline from his credit report. XXXX  was notified XX/XX/XXXX. XXXX  and XXXX updates were processed XX/XX/XXXX. Again, Waypoint apologizes for the error. Should there be any further questions, Mr. XXXX  is urged to contact Waypoint at ( XXXX ) XXXX to discuss.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX- {$400.00} XXXX. XXXX XXXX XXXX XXXX XXXX - {$120.00} XXXX. XXXX XXXX XXXX XXXX - {$1200.00} XXXX. XXXX XXXX XXXX {$540.00} XXXX. XXXX XXXX XXXX XXXX - {$9100.00} XXXX XXXX XXXX XXXX XXXX Account No. XXXX ( dates : XX/XX/XXXX- XX/XX/XXXX ) XXXX. XXXX XXXX XXXX - {$330.00} XXXX. XXXX XXXX XXXX XXXX- {$5300.00} XXXX. XXXX XXXX XXXX  XXXX XXXX. - {$330.00} XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$560.00} 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681, Section 604-A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I opened the citi bank credit card account through XXXX in about XXXX. I used the account for about a year. I then got a notification which asked me to confirm if I withdrew $ XXXX cash. I called the customer service and reported it was not me. I also at the same time asked to close the account because I don't feel safe. But then XXXX weeks later, I got a statement which had a balance of $ XXXX. I called the citi bank and reported it was not me who withdrew the money. The investigation was done and the result in my favor. I again asked to close the account, and I was told the account was closed. 

A year later, I got a bank statement from citi bank stated that the balance again about $ XXXX. Someone re-opened the account and withdrew the amount in cash. The investigation was done and the conclusion again that someone else re-opened the account and withdrew the money. I gain asked to close the account, and I wanted the bank had a note in there to make sure there is no one else can re-open the account including me. I was told the account was closed and that it closed permanently. 

XX/XX/XXXX, I got a bank statement with a balance $ XXXX. I called citi bank again, and also was told someone else re-opened the account. I asked to close the account. I raised the concern about why the account was kept reopened. I asked the bank to send me a letter of the result of the investigation for my record. I have told the letter was sent out, but I have not received it yet all though several weeks has passed. 

I want to make sure citi bank mark in the system that anyone ( including me ) can not open the account at all. 

I would like to have a letter from citi bank for my record.
Product: Checking or savings account

Hi there, I lost my wallet with all my debit card and Id in it. Someone used my debit card and drained all my money from it about {$5000.00}
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX, XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Account and Request for Additional Information To the XXXX Executive Office of Customer Care : This letter is a formal dispute and response to your letter dated XX/XX/2024, regarding the alleged loan obligation and related legal action on my XXXX account. I appreciate your detailed response and the information provided, but I respectfully request additional clarity regarding the following matters and assert my rights under federal and state laws. 

Dispute of Debt under the Fair Debt Collection Practices Act ( FDCPA ) I understand from your letter that XXXX maintains that the FDCPA does not apply to this account as XXXX  is the original creditor. While the FDCPA ( 15 U.S.C. 1692 et seq. ) generally applies to debt XXXX rather than original creditors, I respectfully request that XXXX verify and provide clear documentation to ensure compliance with federal standards, especially as my account has been assigned to a third-party law firm for collection. 

Fair Credit Reporting Act ( FCRA ) Compliance Under the FCRA ( 15 U.S.C. 1681 et seq. ), I am entitled to the right to dispute the accuracy of information reported to credit bureaus. If there is an alleged judgment or charge-off reported on my credit history, I formally dispute its accuracy and request that XXXX conduct an investigation in accordance with FCRA requirements. In addition, I ask that you provide me with any specific details and documentation that confirm the accuracy of the information reported to credit bureaus. 

Request for Comprehensive Documentation and Validation of Debt While you included the original loan agreement, judgment, and payment history, I request the following additional documentation to validate the debt in question : XXXX. An itemized statement showing the total amount financed, interest accrual, payments received, and remaining balance. 
XXXX. All communications sent to me regarding any missed payments or charge-offs prior to the lawsuit. 
XXXX. Confirmation of the law firms authority to collect on behalf of XXXX. 
XXXX. Details of any insurance premiums or fees added to the loan principal and their impact on the loan balance.
Product: Credit reporting or other personal consumer reports

After I reviewed my consumers report, I noticed that there were XXXX accounts listed that do not belong to me. Here are the accounts below XXXX XXXX XXXX Bal- {$7900.00} Opened XX/XX/XXXX XXXX  XXXX Bal- {$3800.00} Opened- XX/XX/XXXX
Product: Student loan

I only went to this school for a XXXX weeks now they staying I own them from XXXX! 
XX/XX/year> XXXX charges on my account XXXX & XXXX Mohela XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

We are a victim of Ocwen mortgage and their fraudulent activities, such as adding misc fees and misdocumentation of our payments. They refused us a modification after 4 months of sending us letters stating " loan modification is available to you, '' then simply sending a letter stating through various successors and mergers our loans current investors wo n't allow a modification. We obtained and paid what we thought was a reputable attorney who was able to get a modification for us, they would not reveal the terms until after we made the trial payments. The terms were for us to sign we now owe {$200000.00} ( the original mortgage was for {$190000.00} in 2006 which we have paid over {$150000.00} of over the last 9 years XXXX and after paying for another 22 years they want us to pay a balloon payment of {$110000.00}! The attorney 's office originally told us not to sign until they clarified the numbers since it sounded " a bit off '', really? After nothing was done about this severe miscalculation the attorney 's office sent us an email on XXXX XXXX stating we need to sign and overnight the documents by XXXX XXXX to the opposing council ( attorney 's for Ocwen ), to which we replied ( are you kidding?!! ) we will not give up but we really do not know where to turn anymore!