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

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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
Product: Checking or savings account

when I call XXXXXXXX XXXX and ask the person answering the phone to look up my account over the phone that what I expect to happen. 

I don't expect to have the rude customer service person to ask me what the issue is before looking up my account. 

also XXXX XXXX should be available online by XX/XX/2024. 

I should NOT be receiving emails from XXXX XXXX to XXXX see attached pdf of email my email should only be XXXX XXXX
Product: Mortgage

Under the Imminent default criteria I believe I quality for a modification. Under US Treasury guidelines I should be eligibility for a modification based on XXXX. My daughter was diagnosed with XXXX and has suffered from XXXX XXXX which has left me to care and help her with daily living. I filed a chapter XXXX over 2 years ago and it is taken from my work check biweekly. which leaves me with around {$50.00} to {$70.00} per pay period. I have asked for help from Ocwen and denied.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a dispute letter to Experian and XXXX stating that the XXXX XXXX  remark on my credit were inaccurate. Not only had it been over 7 years since the first missed payment but that account was also paid off. Nothing was updated and I disputed again XX/XX/XXXX and still it remains on my report inaccurate despite me sending proof of the account being paid. 

On XX/XX/XXXX, I sent a dispute letter to Experian and XXXX stating that the XXXX XXXX  remark on my credit I don't recognize. No update was made to my report on this dispute, and no proof of it being my account was provided. 

I am filing this complaint here as these inaccuracies continue to negatively affect my credit score and not accurately reflect my account status and payment history. I am requesting the CFPB 's assistance in investigating and correcting these as required under the Fair Credit Reporting Act. 

Thank You.
Product: Debt collection

Health Insurance paid what they would pay for same service if doctor on network was usedI am filing a complaint because of the disrespectful attitude by XXXX who is an employee of Senex Services when I called to find out why their name came up on my credit file for an amount of {$120.00}. She asked me to spell my names which I did. When I asked of her name, she was hesitant and rude about it but later told me she was XXXX. However, she refused to tell me her last name. She was only interested in my making payment immediately for a debt that is suppose to go to XXXX ( my health insurance provider ). She was so rude that I was wondering if she was forced to be at work today. I wish she could play the tape to you as she claimed it was being taped. 
My health insurance has already made payment that they pay doctors on their network who render the same services. XXXX XXXX XXXX was given my health insurance card and if they decide to use a doctor out of network, then it is their fault. I should not be responsible for their negligence. 
The fact that SENEX has access to my credit file is not enough to hire employees that have no respect. They can not just go to someone 's file and begin to put lien to people credit file
Product: Debt collection

Three different medical accounts were placed on all three of my major credit reports by Kings credit Services in XXXX, CA. I have sent them a request of verification letter which ask for original creditor, amounts owed, description of why the amounts are owed, and original statements and documentation from original creditor to verify that this debt is valid. A response was received with someone else name on it and amounts being billed. Any information pertaining to why the amounts were being billed blacked out. I have a right to know why I am being told that I owe the amounts in question. I have no way of verifying if this is a legitimate debt. I can't check to see if the correct amount was charged for the procedure, if the procedure was even done, or if a particular doctor was seen. Further I can not not determine if my insurance was billed correctly or at all. I have no way of knowing if this is a true debt. I had contacted the original creditor that is listed on my reports and they verified no record of me seeing the Doctor in their office. XXXX  XXXX XXXX XXXX XXXX  ( original creditor ) billing department said they spoke with XXXX at Kings Credit Services and was told KCS linked me to my spouses account. Although California is a community state I have the right to know all the details of why I am being asked to pay an amount listed on my credit report. In addition I was never giving a statement or bill from the original creditor ( they claimed they sent it to my spouse ) nor had I received one from the collection agency. FDCRA requires notification of debt owed before placing item/s on my credit reports. With out all information and detailed information the debt is unverifiable and must be deleted off of all my credit reports. Vital information needed to verify that is blacked out indicates this is fraud and/or can not be verified by Kings Collections services. It is their obligation to verify all information from original creditor and pass it on to me in it's original unaltered form. I am not obligated nor able to communicate to original creditor, especially not about someone else 's account. KCS had thirty days to verify or delete. They failed to verify and have not deleted.
Product: Debt collection

XXXX XXXX XXXX Balance {$2800.00} Original Creditor : Not Available XXXX Act. # XXXX Opened XXXX XXXX Reported Closed Condition XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX | XXXX XXXX Balance {$2800.00} Original Creditor : Not Available XXXX Act. # XXXX XXXX Opened XXXX Reported Unknown Condition These 2 collection companies which are the same company has violated my rights by posting verified results as they say which are not true after their investigation. Copies of docs. they have in possesion and will not acceptor verify. Copies attached. I would like all information removed immediately or I will take legal action. The State of Illinois has only a 30 day notice to be given to management. Notice was given XX/XX/2021 to Manager in letter form. Additional charges were added errouousily.
Product: Checking or savings account

I opened a small business account with Chase Bank on or about XX/XX/scrub> 2024, after receiving an unsolicited offer from Chase sent to my email address. I have been a customer of Chase and held a personal checking account at the time. I opened the account without problems spurred on by a bonus of {$300.00} to be awarded if I fulfilled certain requirements within 90 days. I was to be paid the bonus within 15 days of completion of the requirements.

Most importantly, the email offer provided a link within the email to take advantage of the offer. This is how I applied for the new small business account and qualified for the offer. The promotion code was included with the email and this was used in conjunction with the offer. I am a sole proprietor.

After I completed the requirements, I expected the {$300.00} bonus to be credited to my account as promised on XX/XX/scrub> 2024. It was not so I called on XX/XX/scrub> 2024, and sent along an email to correct the problem. At first I was told that I did not include the promo code and therefore was not eligible. I reiterated that I responded directly thru the email ad and that the promo code was used. I received a call on XX/XX/year>2024, from someone purporting to be from the executive division telling me that I would get my bonus and that a letter would follow. I never received any letter regarding this matter.

Worse, instead of getting {$300.00} as indicated in the offer, I only received {$220.00}. I called and emailed yet again to determine the problem and was told that since I was subject to backup withholding the money was taken out and sent to the IRS and that I should file for a refund.

I never stated that I was subject to backup withholding and Chase had no right to assume this. It seems that Chase lost the entire application and is making up facts as time goes on. First Chase states I did not use the promo code when I did use the promo code and now it tells me that I am subject to backup withholding when I am not. Chase is unable to manage its paperwork and back office functions.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated The United States Code Law 15 U.S. Code 1681b Permissible purpose of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX XXXX XXXX 
Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Please move urgently to resolve this matter as I will have no choice but to take legal action regarding this matter if not completed in a timely manner. 
Thank you, 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.

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}. Im 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 XXXX 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 these files. If you feel there is a possibility these accounts 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 accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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. These account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts a are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1. XXXX XXXX ACCT # XXXX 2. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ( 6 ACCOUNTS ) ALSO EXPERIAN IS REPORTING THE XXXX STUDENT LOANS AS A " OPEN, COLLECTION '' BUT ON XXXX ITS SHOWING " XXXX PAYMENT HISTORY NOT AS A COLLECTION '' HOW ARE BOTH BUREAUS REPORTING THE SAME ACCOUNT DIFFERENTLY? ALL STUDENT LOANS NEED TO BE DELETED!!!! ( PLEASE SEE ATTACHED CREDIT REPORTS ) 3. XXXX XXXX ACCT # XXXX 4. GXXXX XXXX  ACCT # 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.

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: Credit reporting or other personal consumer reports

Credit reporting agency violations : Nonpublic private information has been reported without my permission ( Proper validation of account not done ) 15 USC 1681i 15 USC 1681a ( d ) ( 2 ) ( i ), ( e ), ( f ), ( k ) ( iv ) ( 1 ) 15 USC 1681b ( a ) ( 3 ) ( F ) ( ii ), ( c ) ( 1 ) ( A ) ( B ) ( 2 ) ( c ), ( e ) ( 1 ) ( 2 ), ( f ) ( 1 ) ( 2 ) 15 USC 1681c-2 15 USC 1681e 5 USC 552a ( b ) 16 CFR part 313 17 CFR 248.7 26 USC 7213 Associated accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial has constantly reported inaccurate information, AND obtained my credit reports ( a hard inquiry ) because of an issue last year when they had to buy back a lease. Now, I made a payment on the XXXX day ( I have NEVER BEEN 30 days late ), and because they were processing my payment, they marked it as 30 days. 

This morning I wake up to find that GM Financial has reported me 30 days late TWICE NOW. I have never been 30 days late TWICE. They reported it for XX/XX/2021 that I was 30 days late, and for XX/XX/2021 that I was 30 days late. This has dropped my score over 90 points. I have perfect credit, and GM Financial has destroyed it.
Product: Debt collection

I worked directly with XXXX XXXX in XXXX about four years ago and paid this debt over the phone. Optimum needs to contact XXXX XXXX  to VERIFY this debt was paid. I no longer even have the paperwork because XXXX acknowledged that the debt no longer existed. I contacted Optimum at least four times regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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

The most important thing is US Department of Education failed to notify me of the negative Item being placed on my credit report 5 days prior.

Equifax is showing the following two accounts as open when indeed they are closed. I've sent in multiple disputes regarding inaccurate information being reported but all I'm getting in return is an automatic " VERIFIED AS ACCURATE '' without doing an independent investigation. We are not past the time to correct the issue... You are not reporting in compliance with the FCRA guideline and rules and regulations.. Please, Remove this account from my credit report at once for inaccurate information and Negligence. U.S. DEPARTMENT OF EDUCATION account number XXXX U.S. DEPARTMENT OF EDUCATION account number XXXX 

Please mail me an updated credit report reflecting the changes. 
Thanks
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the unauthorized inquiry below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 any inquiry without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 XXXX years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. Delete the unauthorized inquiry below : XXXX XXXX : XXXX XXXX, Date of inquiry : XX/XX/year>, Experian.
Product: Student loan

On XX/XX/XXXX I called EdFinancial and asked for refund for my payments made during COVID which totaled to around {$1000.00}. After a 2 hour wait, they told me they could process it but I'd need to wait 150 days. I asked how that effect the forgiveness and was told that they have no idea and if I'd like, I can cancel the refund but they couldn't guarantee that my forgiveness would cover the correct loan amount. My husband also called his loan provider and was given only a 2 week turnaround, with the correct loan balance being shown already in his account. Edfinancial purposely makes things difficult for borrowers. They told me I can keep calling and asking for updates but why would I want to wait on hold for 2 hours to speak to someone with an attitude who clearly doesn't know what they're talking about. To ensure I don't have difficulty come time for applying for forgiveness, I would like EdFinancial to to reinstate my balance to reflect the balance that would be forgiven ( current balance + what would be refunded to me ). Other loan providers are doing it and doing it with better customer service a lot quicker. Edfinancial feels like a scam company.
Product: Student loan

My student loans were initially through XXXX XXXX, now Navient. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I requested loan modifications, income based payment caps, etc. Despite meeting the qualifications for their programs I was denied every time I asked. I did have my loans put into forbearance a couple of times, but I was also charged for that. In XX/XX/XXXX I filed Chapter XXXX bankruptcy, which was discharged in XX/XX/XXXX. I tried especially hard during that time to work out a payment plan with XXXX XXXX. They adamantly refused to help. Again, I fully met their criteria for help but was denied. Unfortunately I did not think to submit at complaint at the time, nor do I have the records showing my request. However, I did want to add my information to the struggle of trying to work with XXXX/Navient.
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 : XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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: Mortgage

I sold my house in XX/XX/2018 and have been waiting 5 months for them to return my escrow money. I've called many times and they keep saying the check is in the mail but it never comes. There is always some story as to why it was not sent such as it was sent to someone else or some other place. I've been more than patient.
Product: Credit card or prepaid card

An extra XXXX dollar amount is reported on the card for a purchase I didn't make. 
It is a wells fargo based credit line from XXXX XXXX XXXX XXXX XXXX. 
Wells fargo did not respond. 
XXXX 's submitted something promising to call me back but I've heard nothing. 
I reported this on the XX/XX/XXXX when I received an email. 
It may be phishing, but it is irresponsible across the board and jeopardizes everyone.