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

It has come to my attention, upon further investigation, that XXXX, XXXX and Experian are all violating federally protected consumer laws by selling nonpublic personal information and allowing companies to commit fraud with my estate and violate the privacy act. I have not granted permissible purpose pursuant to 15 USC 1681. All 3 companies have allowed income to be reported on my reports in the guise of a " charge off '' ( certificate of indebtedness ). They are aware that income is not to be reported on any persons credit report. All 3 companies have violated 15 USC 6802 thru 15 USC 6805 and no option to opt out of reporting were given at any time. All 3 agencies have inconsistencies through out ALL 3 reports are to remove the following from my credit report. If anything that has not been validated by myself, remains on my report, I reserve my right to file suit. All communications will be utilized as evidentiary information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

please be advised, if ANY of the above information remains on my report, i reserve my right to file suit against all XXXX bureaus. I XXXX : XXXX have NOT validated ANY of the above information nor was permission given under 16 CFR 313 and 15 USC 1681 . I am the only one who can validate any information and I exercise my right to OPT OUT of reporting THAT I DO NOT AUTHORIZE. THIS IS A FINAL NOTICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to do anything to fix this. My account has been open for almost 3 years. Around XX/XX/XXXX they started reporting my account as closed with the comment closed by card holder. I never authorized this card to be closed nor has it been closed. I have attempted to contact them and resolve this but they just transfer me around asking for the same information over and over, eventually they just hang up and end the call doing absolutely nothing. I again attempted to call them on XX/XX/XXXX only to be hung up on during the call. In the month of XX/XX/XXXX i purchased something an was given a {$1.00} credit when the next months statement came out XXXX XXXX made an account adjustment taking the dollar. This is theft. I have disputed this numerous times with the credit bureaus submitting the credit card statements an photos from inside XXXX mobile app. The status gets changed by the credit bureau then the next month XXXX reports the account as closed again. This directly effects my XXXX XXXX. The company does not provide customers with an up to date XXXX XXXX in the XXXX XXXX section of the mobile app. Today is XX/XX/XXXX using the XXXX XXXX tab in the mobile app shows you your score from XX/XX/XXXX. They have directly caused my XXXX XXXX to be lower. In the last XXXX years they have NOT given me a credit increase. They have intentionally kept the credit limit low so they can prevent my score from increasing solely on credit usage of the available credit.
Product: Checking or savings account

Called to liquidate a CD on XX/XX/XXXX. Was told that funds would not be available for 3 to 4 days. 

Problem # 1 -- - they don't pay me interest for those days they are keeping my funds Received funds on XX/XX/XXXX- they placed it in a high yield savings account. When I attempted to transfer funds to a linked external account, I was informed that the amount exceeded transaction limits. I called customer service ( I swear there was a chicken crowing in the background ) and was informed that there was a {$25000.00} limit per transfer. Looking through their account agreement, there is only a limit of 6 transfers, and no amount limit. Rather than go through the hassle of arguing with someone with no authority, I just wanted to close the account. I was informed that the closure would take up to 4 business days and any funds transferred would take an additional 2 business days.

Problem # 2 -- - they are keeping my funds for 6 business days held in limbo without interest.

From CD liquidation to funds received at my external account, Synchrony Bank is keeping my funds, interest free, for 9 business days, not to mention the inconvenience or any other costly problems this has caused.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that is currently listed on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 e ( b ) and 15 USC 1681i ( 5 ), it is mandated that all information on my credit report must be 100 % accurate across all three credit Reporting agencies. The information in question is related to the following accounts : XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified several inaccuracies in the accounts listed above including Statue of Limitations. Due to these inaccuracies, I am formally requesting that the information be thoroughly Investigated and verified with all documents used to verify copies sent to me. If they can not be verified as accurate, I request that they be removed from my credit report entirely. The inaccuracies of these accounts are affecting my credit score and financial standing unjustly. As per my rights under the FCRA, I demand that the issues be resolved within the legally specific timeframe of 30-45 days from receipt of this letter. Failure to address and correct these inaccuracies will leave me no choice but to seek Legal action. Under the FCRA, I am entitled to collect {$1000.00} in damages for each inaccuracy present on my credit report.
Product: Credit reporting or other personal consumer reports

In response to the documentation you provided regarding the alleged debt owed to XXXX XXXX XXXX XXXX. 

. While I appreciate your response, the documentation you submitted does not verify the debt as required under the Fair Credit Reporting Act ( FCRA ). I am requesting further verification or immediate removal of this account from my credit report if such proof can not be provided. 

After reviewing the documents sent to me from you all, this information does not satisfy the requirements to verify the debt under the FCRA Section 611a.

The specific information needs to be provided : : 1. The lease agreement provided is incomplete. Please provide a FULL and SIGNED lease agreement that includes the full terms and my signature.

2. The photos and charges do not definitively show my responsibility for this debt, and further clarification is needed to show that the charges were properly applied.

3. The ID provided is not my name, which raises concerns about the accuracy of this information and whether it is connected to this alleged debt.

Under the FCRA, you are required to provide COMPLETE documentation proving that I am indeed responsible for this debt. If you can not supply full proof of this debt ( including a signed lease agreement, full documentation of charges, and proper identification ), I demand that you immediately cease all collection activity and remove this account from my credit report. 

I have also filed complaints with the Federal Trade Commission ( FTC ) and XXXX XXXX XXXX XXXX XXXX XXXX regarding this matter. If this dispute is not resolved. I am prepared to take further legal action to protect my rights under the FCRA and any applicable consumer protection laws. 

I expect to hear from you with confirmation that the debt has been removed or a COMPLETED and thorough verification of the debt. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Im in the process of purchasing a house and this debt is preventing me from doing so. I dont have a contract with this company nor have I ever done business with them. Please have them remove their collection from my report. Thank you for your help in advance.
Product: Mortgage

Dear Select Portfolio Servicing I am requesting tax documents from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as to date none have been received for mortgage account. 
please provide documents.
Product: Credit reporting or other personal consumer reports

I was stunned to discover unfamiliar accounts on my credit report today, and I have no clue why theyre there. As part of my routine, I checked my report, only to find these strange inaccuracies that seemingly appeared overnight. I tried refreshing, thinking maybe it was a temporary error, but nothing changed. Im deeply troubled by this and request a thorough check of my documents to prevent this from ever happening again.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have received several calls about this debt from XXXX. I was unable to locate the company online and the representative for the company would not provide any further information. I spoke to a XXXX XXXX at the number XXXX XXXX XXXX several times. He informed me that I owed a large debt and he was attempting to serve me as a result of the lawsuit XXXX reportedly filed. I asked for verification of the debt and instead of providing it Mr. XXXX used derogatory and abusive language suggesting that I was " wasting his time '' and that he doesn't have time to deal with " people like you ''. 
Mr. XXXX directed me to XXXX XXXX, the purported originator of the debt, and XXXX XXXX, the current owner of the debt, and told me to take it up with them. Mr. XXXX informed me that he would only accept payment for the loan over the phone but would not give me any information about the litigation proceeding that has allegedly been taken. I told Mr. XXXX that I would like to dispute the debt and that going to court was probably unavoidable because I don't recall ever doing business with any of these companies. He said the debt was undisputable and to either give him a credit card of " get the XXXX off my line ''. I again told Mr. XXXX calmly that I just wanted to get a copy of the documents that said I owe the debt but he would not provide them, instead he listed several bits of information, my bank account number, social security number, and place of employment. He said he was tired of " people like you '' trying to wiggle out of things. Upon examination of the form contract that I allegedly signed from the XXXX XXXX  webpage, I noticed a mandatory arbitration clause that would preclude either party from filing a lawsuit. Noting this I called Mr. XXXX back at the above number and informed him of this and that I would like to use the arbitration process to dispute the debt. Though I don't recall ever doing business with XXXX XXXX, if that is indeed the case then I would be able to dispute the debt this way and the lawsuit that Mr. XXXX said that he had filed in " Federal court in XXXX XXXX '' was either a lie or not valid. 

I was alarmed at the strong arm tactics and the abusive language he used to try and convince me I owed something I don't recall owing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes and method of verification requests regarding accounts that are reporting on my credit report. I keep getting that the accounts have been verified with no substantiation. 

I have requested the names of who did the investigation, dates, how was it concluded that these are in fact my accounts. I also received the information after the 15 day cutoff for MOV requests. 


Equifax sent the info on XX/XX/2018. They received my certified letter on XX/XX/2018. 
The confirmation # on the report I just received is # XXXX.
Product: Student loan

My loan is from XXXX and was originally from XXXX XXXX. It was bought by Navient after I had been paying on it. They have been unable to tell me where the payments went that I paid prior to them buying it. I was charged the full amount again by Navient after they bought it. I made payments to Navient, and then went back to school in XXXX. I spoke with the school and Navient and was told that I would not need to pay while I was attending school. My credit was affected and reported as late, I had to submit a dispute with the credit bureu. I have faithfully made payments to Navient since XXXX. Paying more than the minimum amount, and paying early. The balance is always the same and never goes down. I have requested numerous times that I get a print out, and that something is not right. They have yet to send me the accounting print out, and then on my credit it now shows that the balance is increasing. They can not answer where the money is going, or where the money is for my account. I know that the balance that I am still showing owe is not right. When I log into my account it always shows that repayment is to begin the following month. They don't have an answer for that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two dispute requests with Equifax and both times the results left the incorrect information on my report. They are reporting two missed payments for XX/XX/XXXX XXXX XXXX, my auto loan provider. The first dispute was submitted on XX/XX/20 and the second dispute was submitted on XX/XX/20. Out of all three credit bureaus, Equifax is the only one that has the status of my auto loan as delinquent or a missed payment. I have reached out toXX/XX/XXXXXXXX XXXX multiple times and each time they notify me that they are not reporting any missed payments to Equifax. They have even provided me a document stating such. Equifax 's incorrect information has caused me to be declined for a credit card at a time in my life when I really need it. Their website is always down and I was abnormally long when calling in for help.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found some hard inquiries that I do not recognize. I would appreciate it if you can help me remove these accounts off of my credit report. The hard inquiries are not mine so the information isnt accurate. I appreciate your time! I also filed a report to identify theft.gov Can you please help me this has been so stressful on me having unauthorized accounts destroying my credit. 

Unauthorized accounts Account name : XXXXXXXX XXXX Account name : XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX 


Under 15 USC 1681 c-2 c ( a ) The credit reporting agency must block and remove any allege pieces of information. The consumer considers identity theft within XXXX business days of receiving the complaint. 


Thank you so much!
Product: Checking or savings account

My card was compromised. I had submitted the claim with Bank Of America and they said they did their due diligence however I was not compensated and my claim was denied. This is now my 4th time my card has been compromised and no outcome was given to me.
Product: Credit card

In XXXX 2015, I received email from Sears/Citibank asking for verification of a suspected fraudulent {$650.00} purchase made in another state. I called and confirmed that this was not my purchase. I have not been contacted since, so I logged into their website to get a contact number to check on the status of the fraud investigation. Much to my surprise, I found that my account had been closed. When I called customer service, I was told that my account had been closed 2 days after my phone call in XXXX. However, I was not notified that the account was closed nor did I receive a replacement card. They were unable to provide an explanation for the lack of notification on closing the account or the lack of a replacement card. The rep also told me that the amount of the purchase was {$65.00}, which was considerably less than the amount listed in their email from XXXX. When I asked if a replacement card would be issued, I was asked to provide my entire checking account number to verify my information. They were also unable to provide a current status on the fraud investigation.
Product: Vehicle loan or lease

I sold my vehicle for {$2000.00} more than I owed. XXXX paid the total to my lender, Ally within 3 days at the beginning of XXXX this year. Ally said the overage due me should in my hands by the XXXX. Which seemed like too long. I didnt receive it so I messaged them. They said it wasnt even mailed till the XXXX! Here it is the XXXX and I STILL dont have it. That is not their money to trifle with.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, ALLY FINCL, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, ALLY FINCL, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

On XX/XX/2020 I downgraded my Citi Prestige card to the Citi Premier card. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I added authorized users and was incorrectly charged a fee for this ( {$75.00}, {$68.00}, and {$62.00} respectively ). 

Per the terms and conditions of the Citi Premier card, there is no fee for adding authorized users. I contacted Citi after the first charge was applied to my account and was told that it would be refunded. Nearly 6 months later, no refund has been issued. 

I have since contacted Citi on multiple occasions and have either not been able to get through to an Agent ( line hangs up ), or I am told a refund is forthcoming and it does not. 

I have attached a copy of my statement to show these incorrect charges on my account.
Product: Payday loan, title loan, or personal loan

I went to finance a puppy for my family. I have fairly good credit and I bought this dog to surprise my children and wife. The pet store recommended a financing company they said was great to use. I applied and was approved, and they said my interest rate was low due to my good credit. I signed the paperwork digitally, and this filled my signature in all over a document and that was where the nightmare began. They sent me a copy of the contract and it said I LEASED this dog and I did n't own it unless I pay it off early in a lump sum of XXXX, or I make 24 payments of {$170.00} and then a final payment of {$260.00} to own the animal ( roughly. ) In the pet store I paid {$170.00} which did n't go towards my financing. <P/>I was told it was a LOAN and that I would own this animal. After looking up the financing companies this pet store recommended to me, I saw that they are all part of one big company called Monterey Financial. All in all after all the payments are said and done I 'll have paid somewhere around {$4300.00}.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

A bill for {$93.00} that I do not owe. Looks like a scam letter.
Product: Debt collection

To whom it may concern, This message is in reference to the contract signed on XX/XX/XXXX for the XXXX XXXX XXXX with XXXX and XXXX of XXXX. I am providing clear and conspicuous notice of the fraudulent contract. 
I spoke with a salesman concerning the automobile approximately 2 weeks prior to signing the contract. I was told that a downpayment was required to strengthen my credit application for the automobile or I would be more likely to be denied credit. I provided the amount of {$4000.00} in cash to the dealership to pair with the credit application. I was approved and a finance charge was imposed on me by the creditor, Wells Fargo Auto. The finance charge was paid, the dealership received the credit for the automobile, and the automobile was released to me.

This is fraud because 15 USC 1662 ( 2 ) states, No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. The creditor can not arrange any downpayments in any amount according to 15 USC 1605 which states, ... The finance charge does not include charges of a type payable in a comparable cash transaction In the face of these two laws, there is no reason for a downpayment to be required for the purchase of credit. It is the responsibility of XXXX and XXXX of XXXX to provide proper disclosure since a representative of their organization was present, and not a representative of Wells Fargo Auto. 
These inconsistencies can not be misconstrued as bona fide errors due to the Federal Truth-In-Lending Disclosures section noted on the contract. Truth-In-Lending includes all subsections including and in-between 15 USC 1601-1667f, which they have the responsibility to uphold. Therefore, XXXX and XXXX of XXXX willfully chose to commit fraud by omitting this knowledge, harming me as the consumer when they were charged with the responsibility to ... protect the consumer against inaccurate and unfair credit billing and credit card practices. according to 15 USC 1601.