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

Use of my information was reported without my consent. have Demanded the company to correct or remove. 

Pursuant 15 usc 1681a2 ( S ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant 15 usc 1681s -3 ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Student loan

My account was sold to them and expect me to pay back high amounts I ca n't afford
Product: Credit reporting or other personal consumer reports

XXXX {$190.00} PXXXX XXXX XXXX {$200.00} ADVANCE XXXX {$220.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$530.00} these companies are in violation of the FCRA LAWS. reporting to my consumer report is a form of communication 1692c. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 


If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

please remove this information off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

State Farm Bank insist in reporting a loan late on my credit even after I explain that was due from my ex wife. The divorce decree was provided to the State Farm and many times contact without a solution. Also the loan was under both our names and it has been reported only on my social security.
Product: Debt collection

In the past, I disputed a tradeline on my credit reports from One Main Financial. I disputed this tradeline because according to my records the amount being reported was incorrect. Anyhow, the results of the dispute came back as verified and accurate. Thus, I wrote a letter to One Main asking them to send me ( 1 ) copy of original contract bearing my signature and ( 2 ) full accounting ( a record of all of my payments made and what portion was applied towards the principal and the interest. Till this day, I have yet to receive a response.
Product: Debt collection

I had an account through XXXX XXXX I called XXXX On Wednesday XX/XX/2020 at XXXX I tried calling to make a payment. But they would not allow me to make that payment. Because they tried telling me that was a month behind. But i have proof of all the payments. They refused to take my payment unless I made a double payment to them. 

I never got a phone call, I never got a letter from this company. And they sent my account to collections. And I never got a letter for that either. And never got a phone call. 

I have a right to privacy and this collection account that does not rightfully belong on my report is damaging to me. I now can not have a roof over my head and causing me to be homeless. This company and the collection agency MCNEIL & MEYERS RECEIV can not collect on money I do not owe. 


Article 3-603 ( b ) refers to the tender of payments using negotiable instruments ( checks, bank drafts, and so forth ) and, if the payment is refused, the amount of the tender is discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I have been using the XXXX debit card for about a year now. I have loved the convenience and customer service of XXXX up until this point. However, after being a loyal customer for over 10 years, they have suspended my account and are holding over {$6000.00} from me. 

I had been getting my work checks direct deposited into my XXXX debit account and I also received XXXX XXXX XXXX refund in that account this week. 

All of a sudden, after my college refund hit my account on XX/XX/year>, it was frozen and I needed to confirm my identity. I submitted multiple forms of ID but woke up to an email saying my account has been permanently suspended and that they are going to hold on to my {$6200.00} for loss prevention for 180 days and that they will contact me IF my funds are ever available for transfer in the future. 

That is all of the money I have. That is my house payment, my medication, XXXX XXXX XXXX food for my family, everything. They have chosen to lock it and keep it from me. 

I can be done with XXXX but I must get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/29 I have called XXXX XXXX XXXX to settle this debt & paid it in full. 

Once I got the receipt in the mail from them, I disputed the collection through Equifax TWICE with proof of transaction through Credit Card statement as well, and it still keeps coming back verified! Please help me get this deleted. By law through the Fair Credit Reporting Act, I have the right to challenge anything that isnt accurate and I'm needing your help with getting this fixed.
Product: Vehicle loan or lease

I had a lease with Ally Financial for a XXXX XXXX XXXX vehicle in which I have had leases with the organization before. I paid every payment. Though paid on time, there were some late fees applied because it was still after their grace period. I ask the company if the will remove ( waive ) all late fees applied as I have been a loyal customer. Also, I have had other vehicles with the organization with perfect paying history and never asked this before. Also, every lease that I have, I've returned the cars in with approximately 9 or 10,000 miles unused miles that I paid for on my lease. I returned the vehicle in immaculant condition always having it serviced with XXXX and having it once again serviced before the lease termination. Again, I asked if they will dismiss those fees as a loyalty courtesy. I even informed them, that I was getting another lease and would request for Ally as I would continue to do business with them. Well, today, I receive an alert from the credit bureaus with my credit scores decreased saying Ally has added a remarked to the credit bureaus saying-Full termination, balance owing. Now, I am extremely upset because I have had a descent rapport with this company, great paying history, paying the lease out and for them to report that remark damaging my credit, I am extremely upset and want that immediately removed. The company should have been reporting Full termination, obligation satisfied. How could they do this to a loyal customer and Ally did not even contact me prior to doing this. I just recieved this alert from the credit bureaus and I was floored. Also, I requested for Ally to finance my next vehicle and the company XXXX went through XXXX, which I was shocked and also extremely upset because they did not do what I requested which was to continue to do business with Ally. I have correspondences in regards to this to show I did make that request. I could be incorrect but this made me feel that this is why they did not remove the charges as I was told they would. Also, I am sure the company records the conversation between the customer and the represenatives as I called several times in regards to this matter. I ask them to go back to the last recorded call as the represenative inforrmed me that he would submit this request because I have been a loyal customer and the fees would be waived in 24 to 48 hours, he even thank me for being such a loyal customer. Ally is reporting Ally is showing a balance owed of {$260.00} on XXXX   and reporting Full termination, balance owing on XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. Upon reviewing my credit report, I wish to ensure that all information is 100 % accurate and complete. 

Below are the account details I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX Account Number : XXXX I kindly request that you reinvestigate the completeness and accuracy of every piece of information related to this account. If any part of the information is found to be inaccurate or unverifiable, I formally request that it be removed from my credit report. 

Under 15 U.S. Code 1681i, if you are unable to verify the accuracy of the disputed information within 30 days, I ask that the account and all related inaccuracies be deleted from my credit report. Additionally, in compliance with 15 U.S. Code 1681e ( b ), I request that you ensure all procedures used to include this information were reasonable and designed to guarantee maximum possible accuracy. 

I appreciate your attention to this matter and look forward to receiving a prompt and positive response regarding the outcome of your reinvestigation.
Product: Credit card

My dispute is with Chase XXXX XXXX because they attempted to collect a debt NOT owed. I made XXXX attempts by letters trying to resolve this issue : XXXX letters to Chase card company stating that I never received the merchandise ( coupon to get hair straightener from XXXX who just puts a coupon in your " my stuff '' page on the internet. All Chase had to do was to see if I ever went to get services. I was never told the name of the proprietor nor the address since all XXXX does is sell somebody elses cheaper than if you went directly to the business. XXXX actually did this to me twice ; On XX/XX/XXXX I tried to buy a XXXX for XXXX XXXX XXXX and paid {$20.00}. After you perform the purchase on their site, nothing verifies the purchase, Like " you bought a group!, congradulations! '' So you look on " my stuff '' constantly, then check your email and can't find it. ( I'm sure others have the same problem ). So I figured it didn't go through so I buy it again on XX/XX/XXXX for {$25.00}, and did receive this one ( so actually paying {$45.00} the actual price to pay for at the XXXX XXXX  XXXX, so haven'nt saved anything. 
The XXXX coat I'm disputing is XX/XX/XXXX and XX/XX/XXXX on Chase XXXX XXXX XXXX card for {$210.00} and XXXX ( hair straightners that I never got ). The one purchased on XX/XX/XXXX again I couldn't find in " my stuff nor never was emailed ) so I purchased the cheaper XXXX of {$130.00} on XX/XX/XXXX but never found that XXXX. after sever days, I went to my hairdresser to get XXXX done. When I was billed for these XXXX I wrote, not once, but 4 times disputing this bill. They have my email, they could have communicated to me, WHICH they said they did after they wrote back to Chase. They showed an email of their counter dispute " you can call us anytime etc. '' I did searches on my computer for a couple of days, there were NO EMAILS from XXXX with that letter at all only hundreds of ads for XXXX which I wrote many times asking them to stop sending and they never did. 
I have excellent credit but they now are destroying it because I refuse to pay for merchandise that I did not receive. I'm nearly XXXX and have heard about people taking advantage of seniors, and something needs to be done. XXXX practices need to be changed so people know when they buy something and Chase needs to know when somebody writes in with a bogus dishonest letter, it isn't always true.
Product: Debt collection

They call my work phone at the XXXX daily with threats of fraud and asked for {$1600.00} for an alleged debt regarding a loan that I know nothing about. I asked for their mailing address and they told me I was evasive. I told him he was evasive for not providing a mailing address and he hung up on me, this was their third phone call to me. Their XXXX phone call indicated they were attorneys and they were calling regarding a file placed in their office. They told me they were filing criminal charges against. Repeated attempts have been made calling my place of employment and harassing me. Their name is XXXX, XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Thank you for your time to REMOVED some of the inaccurate items in my file that resulted from an erroneous credit reporting but I have ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this problem in a previous letter & I am including those items here again. Ive informed my attorney of my intentions & they are excited to hold you accountable in any willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX Balance : {$750.00} XXXX XXXX XXXX : {$2600.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any inaccurate items in my credit file that resulted from an erroneous credit reporting. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made where of an account that is XXXX years old less than a year ago when I finally started looking at my credit report for the XXXX time. Since then I have had it deleted from XXXX  but experience and XXXX at the disputing it multiple times can't get it right. I even have had XXXX say it would be removed and it just hasn't came off yet and it's now XXXX months later.
Product: Credit reporting or other personal consumer reports

There are inaccuracies in my credit report, which is unjust for me. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action
Product: Student loan

I have written letter and made calls for a couple of years with no help. I have been trying to get an FHA home loan. There is one Navient account showing a charge off. This is a private loan from several years ago. I had my mother cosign the loan. I was diagnosed with a XXXX XXXX and went on XXXX. All of my loans were discharged due to total and permanent XXXX. If you check the National Student Loan Database, my balance is zero. Navient shows one loan as a charge off and a few more as delinquent and paid by insurance. Every other company has the information correct. My mother died in XXXX and I still get letters from her by collection agencies. Navient shows the balance as of over {$84000.00}. The original amount was {$40000.00}. Since I live on XXXX income, I have very little money. I called into Navient about the loan in question. They still want the money. Guess what, it will NEVER happen. I followed the process and my loans were discharged. They now want me to file another application for total and permanent XXXX for this loan. So since they cant get the credit reporting correct and can not get their XXXX applications in order, I am unable to buy a home. These people need to be stopped. Navient needs to be investigated and closed down. They should not be a for profit company. I have read about current litigation about Navient and XXXX reporting and would like to be contacted. Like I said, all other student loan companies have my loan information correct. All except for Navient. Since I cant get this resolved, I am going to seek the help of a bankruptcy attorney. Since I am permanently XXXX, I should get a discharge. It is sad that one must go to this length. I have been dealing with Navient for several years about this issue. I have to say that Navient is the worst company I have ever dealt with in the XXXX  years I have been alive. I have no idea why the government would ever do business with them. If everyone who has been harmed by Navient filed suit, maybe they might take notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to take immediate action to correct this mistake.
Product: Prepaid card

I have attempted to use the American Express gift card at major online retailers like XXXX who accept the card but then AMEX declines the transactions. 

Calling AMEX customer support providers no relief. They have no reasonable explanation for their declinations and refuse to offer any other relief, even when all of the proper information is provided by the cardholder
Product: Debt collection

Debt resulted from a misrepresentation of a company employee. Information regarding debt and reporting dates are incorrect.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account because this is not mine
Product: Debt collection

Hi, I am a XXXX XXXX XXXX. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Bank of America. Bank of America has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter to Bank of America. They received it certified mail and signed off on XX/XX/2021, at XXXX. As they have violated me as a XXXX XXXX XXXX. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Product: Mortgage

Cfpb # XXXX XXXX From my complaint filedXX/XX/XXXXXXXX XXXX stated that yes we conducted the sale transaction at XXXX XXXX XXXX. In XXXX XXXX XXXX response you said previous claim was denied and turned over to the underwriter. 1. Who was the previous claim with and denied? 

Who is the underwriter? 

You said parks title did the title work, then show it. 

Why are both of our names at the top of the title which has forced me to update law enforcement XXXX and have served a 30 days notice to XXXX XXXX. 

Cc. 

XXXX police department XXXX county sheriff dept. 
Michigan state police mortgage fraud task force XXXX fbi Because I was not happy with the statements to me yesterday, I asked to speak to her supervisor XXXX XXXX, both I was unhappy and asked to speak to the supervisor above them. They would not give me the persons name, I left messages at each of their phone numbers today asking for the supervisors name above them. After some research I was able to locate the CA headquarters office. I called there today at XXXX I spoke to a gentlemen who asked me for the claim number, I gave him this claim number which was given to me XXXX. He immediately indicated that the claim number was one number short. I indicated to him that this was the claim number from XXXX XXXX. He said well give me the address, he located the property by address. He then indicated that the supervisor I needed to speak with, is XXXX XXXX. That he will be calling me back today. 

I received a phone call around XXXX XXXX from XXXX XXXX, following up on my complaints. He said was sorry for me and it was complicated situation. He listened to my story. He advised me to talk to XXXX XXXX, he indicated XXXX XXXX is above XXXX XXXX and XXXX XXXX gave me his number which is XXXX. I brought to his attention that I was told one number was missing from the claim number by his assistant claim number XXXX. He corrected me, he said the claim number is XXXX. I then told him this is exactly the claim number XXXX XXXX sent me by email. He then clarified with me that I was missing the 9 at the end. As he starting to give me XXXX XXXX number the phone call disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in letters to the credit bureaus requesting that they verify some inaccurate things on my credit report. To this day XX/XX/2022, I have yet to receive a response from them and I feel like I am being ignored. I take my credit very seriously and these false items on my report are holding me back from a lot of opportunities I am trying to achieve. Please help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue with Equifax for a while and they continue to violate. They are reporting inaccurate payment history on my consumer report and when i sent them a letter about it, instead of deleting the accounts for the inaccurate lates they reported they just deleted the payment history all together and kept the inaccurate accounts on my report. They are reporting XXXX XXXX XXXX They can not do that! Next i asked for the method of validation and they have not provided that either. Instead they put the Inaccurate accounts on my credit report AGAIN! DUPLICATES! So now i have XXXXXXXX XXXX XXXX on my consumer report which is MOST DEFINITELY INACCURATE! They have the same 9 accounts on my credit report TWICE! The first set they erased ALL THE PAYMENT HISTORY! And The second set of the same accounts they put on my report again with the same inaccurate payment history they put on there the first time! They need to be held accountable and disciplined for their deceptive tactics! Furthermore they are in violation of 15 USC 1681b as well as 18 USC 894.