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

I have duplicate XXXX XXXX accounts reporting on my equifax and XXXX reports, these have been deleted by XXXX XXXX with XXXX per XXXX XXXX request but are still showing on other XXXX credit reporting agencies, please delete. I XXXX longer liable for these accounts and do not have a contract with XXXX XXXX, attached deleted records and you will see the XXXX XXXX account numbers also. XXXX XXXX account numbers are attached also. Please delete XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX bankruptcy should be removed according to federal law from all credit reporting agencies lexis nexus, XXXX XXXX XXXX XXXX  Also per federal as they should be removed after 7 years. You can file for bankruptcy twice in within a year and also reported this lexis nexus XXXX XXXX and XXXX. I would like them removed or i will take legal action.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX 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 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

I provided company with a FTC reporting stating debt is not mines. It came back verified from transunion. I never have applied/ stayed at XXXX. The information XXXX  had on file was not accurate. But somehow transunion verified it. TRANSUNION IS ON THE VERGE OF GETTING A LAWSUIT. Transunion did the same thing to me with the company " XXXX  '' for months it came back verified until i called XXXX  myself and we got to the bottom of it the account was fraud and it never belonged to me they contacted the correct vendor who used my name. Transunion is not following proper guidleines and im asking for this account to be REMOVED IMMEDIATELY. as this account is fraud. ALSO PLEASE NOTE THAT THIS COMPANY HAS REPORTED TO ALL 3 credit reports and all amounts are different information must be reported accurately. Im giving 15 days or FROM THE DATE OF RECIPT BEFORE FILING LEGAL ACTION.
Product: Checking or savings account

On XXXX XXXX there was a small unauthorized transaction of {$11.00}. I contacted chime and was able to receive help from a kind representative after a few attempts. She issued me a new card through the mail which would take 7-10 business days. She then issued me a temporary digital card to make any necessary payments and filed a dispute ( case ID XXXX ). I spent {$110.00} on a website of my liking that same day. Later on that day following the next XXXX, there were four unauthorized transactions still being made. I didnt have my XXXX card yet. I couldnt file a dispute just yet because the status was pending. I was then able to file a dispute rebuttal. My account was being used up until XX/XX/2023. An agent was able to review my dispute report with me and we concluded an amount error of {$810.00}. The agent CORRECTED the amount for me to {$700.00} and gave me a new case number ( case ID XXXX ) and left a medical note on my case. The {$110.00} was taken off my report. She saw that the merchants had to CREDIT my account previously and, said that my name & account shouldnt be in their system in the first place. I am unable to file a proper police report. Less than XXXX hours, chime denied my corrected rebuttal and sent a document with an ERROR. It says {$810.00} which is incorrect. I was unable to get to work and travel to/from the hospital that my family is still in because of this error. Please fix this and return my stolen funds.
Product: Payday loan, title loan, or personal loan

I applied for, and received, a 24-month loan of {$7000.00} from SoFi on XX/XX/2021 to pay for one-time moving expenses to start a new job in a different city. I remain a customer and have continued to pay back the loan on the prescribed monthly schedule. 

The loan website included a banner promotion that indicated I would receive {$350.00} cash bonus for signing a loan as a new customer of SoFi. Although I have received correspondence from SoFi confirming receipt of my monthly payments, I received no subsequent information about this bonus, via email, phone, mail, or otherwise. I did, at the time, take a screenshot of the banner promotion. I include in this complaint. 

Today, XXXX XX/XX/2021, I looked at my account for SoFi in order to check the interest payments and initiate a transfer to pay down more of my loan 's principal, and realized that I had not received the {$350.00} cash bonus. 

I subsequently spent a great deal of time talking to SoFi support : first, through their online support, who was unable to help me but referred me a number ; second, through a representative, who confirmed my eligibility for the cash bonus, but informed me that I had forfeited the eligibility because 30 days had passed and I had not opened a " SoFi money account. '' This is the first time I was informed of the need for a " SoFi money account '' as distinct from the personal loan account that I had already opened with SoFi. When I asked for a transcript of the conversation, I was instead referred to a manager ( email correspondence attached ). The manager told me verbally, " [ I/we ] apologize that you didn't get paid for the bonus as per the advertisement, '' but in subsequent email correspondence indicated that, because I did not open a " SoFi Money Account, '' I am ineligible for the payment.

This {$350.00} promotion was the primary reason that I chose SoFi in my selection of different lenders. I knew that the interest payments would be high, but that I would be able to pay off the loan sooner than the schedule indicated.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT IS IN VIOLATION AND A SERIOUS BREACH OF TRUST AND HAS VIOLATED MY CONSUMER RIGHTS AND VIOLATED CONSUMER LAWS. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE YET SHOWN ME PROOF OF WET INK SIGNATURE, PROOF CONTRACT WHICH HAS TO BE NOTARIZED ( XXXX ) AND HAS TO HAVE XXXX WITNESSES THERE AT THE TIME OF THE CONTRACT BEING LEGAL BIDING CONTRACT. PROOF THAT YOU STOLE MY SSN MAKING THIS IDENTITY THEFT 18 USC 1028 A. PROVE TO ME THAT I DID ANY BUSINESS WITH THIS COMPANY. THIS COMPANY STOLE MY IDENTITY AND MY SSN. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I have submit a complaint with the CFPB and the CFPB submit complaint to Experian. On XX/XX/2018 Experian respond to the complaint to the CFPB stating that the account was verified as accurate. In which, clearly the account is not 100 % percent accurate. I also made a dispute with XXXX  and XXXX  about the inaccurate information on my credit report on XX/XX/2018. On XX/XX/2018 XXXX stated that the information on my credit report is verified as accurate. On XX/XX/2018 XXXX stated that the information on my credit report is verified as accurate. However, none of the credit bureaus is 100 % percent accurate or compliant to the FCRA laws. In which, I strongly believe that I have proven and provided enough evidence to this complaint. So, I need this account to be deleted as soon as possible base on the consumer protection law. 

Under the consumer protection law this account is not practicing the Act. And the Acts are Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Truth and Lending Act, and the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DEPT OF EDUCATION / XXXX. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is create a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and Id like remedied ASAP. 
DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
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 XXXX Account Number : XXXX {$590.00} 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 or other personal consumer reports

for starters, I went to XXXXXXXX XXXX XXXXXXXX and got a XXXX  XXXX XXXX from them. I was told no initially and somehow magically they called back a week later and said I qualified to find out was the loan was predatorial, and I didnt have a good enough credit, so that was one thing that concerned me. The second thing was concerning me was that when I did get the vehicle I went on a road trip couldnt go over XXXX mph. I take it to the XXXX dealer they tell me the XXXX didnt have their software to take the governor off and that no cars should be sold with the governor on it without the buyer Knowing. I told XXXX this after I was informed I told him I did not want to car. They left the car with me and created of debt of little over {$12000.00}. How can I get this {$12000.00} debt off my credit report because of the contract in the way it was sold to me, I dont feel they did right by the consumer in a number of ways and now that Im aware and trying calling Im getting the run around
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedyXXXX XXXX XXXX XXXX
Product: Mortgage

I helped my daughter and kids when she got XXXX and lost work to pay her house and continue paying mine, but the medical bills and other bills tolled us into financial hardship. She is better and got a job. I am a XXXX and applied for modification with carrington. Carrington is telling me that my daughter has to pay her lien for me get the FHA modification or they will close out the file and send it to foreclosure. I proved the lien is not mine, that lien is for another person 's name, and that the title for my house is in my name and not in that person 's name. See attached documents Please I need the title search to be run in my name MY house is XXXX XXXX XXXX XXXX XXXX. I am helping my daughter financially, but she is NOT in my title at XXXX XXXX XXXX XXXX XXXX, XXXX nm XXXX The problem is that we knew about the issue of the lien just this Tuesday, not before, and we have a deadline for Friday or they will close the case? I already made the trial payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 12 hard inquiries according to XXXX XXXX by CHASE CARD ( XXXX, DE ) spanning the last two years. I've never had an account, credit card or any affiliation with Chase whatsoever. I called their customer service line and they have zero record of my name and/or social. The hard inquiries are from the following dates. XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I need these off my credit report, please help. Thank you.
Product: Vehicle loan or lease

Hello, I had an auto loan from bridge-crest for a vehicle which was closed a few months ago. And i never had one late payment and paid every time on schedule. When I went to send in my final payment to close the loan early and in full, they failed to process my last check. This could have been very easy for them to resolve by simply calling me if they had an issue, as I would have just made an electronic payment as well if need be. Also they were pushing me very hard to purchase another vehicle and get another loan through them even after I had told them I didn't want or need a new car. This is quite frustrating as i called several times to resolve this and they refuse to change my last payment to on time. It is showing over 30 days late which is killing my credit score. I believe this is a nefarious attempt by the lender to be able to charge me a higher interest rate on another loan. I would never be late on any of my payments. If you look at my account history you will see every payment to them was on time and i feel this is very unfair and negatively impacting my life as a whole at this point. Very difficult to get an apartment or live any where with this negative item on my report.
Product: Checking or savings account

I applied for a bank account with Citibank. After I verified my identity by answering various questions, it said it was unable to open an account but provided no reason. I do not owe the bank nor am I in XXXX or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In reference to my XXXX XXXX account XXXX, disputed on XX/XX/ regarding my account status is currently showing recently past due of 30 days is incorrect. XXXX XXXX has stated they have been sending current account status showing I've been paying on time for over 24 months. Experian has not corrected their mistake causing hardship to me in receiving new credit and credit line increases. This is a request for them to correct the account status error and/or for them to pay fines for the unfix correction.
Product: Credit reporting or other personal consumer reports

Penfed credit Union open account and fraudulent account opened credit card checking and unknown account
Product: Money transfer, virtual currency, or money service

I had made a transfer to the wrong person of 400 on or about XX/XX/2020. I contacted Cash App within 2 minutes of doing it. It states if you contact the right away they will help you recover it. 
When I sent the money to the correct person I was then ripped off for XXXX the person didn't supply the product that was promised. I then contacted them again with in an hour of that situation. They refused to do any thing about the two payments of XXXX in XXXX sent.
Product: Payday loan, title loan, or personal loan

These accounts was deleted and the was sold to a debt buyer and they was already deleted from acccount
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit schools such as the one I attended, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

As a matter of fact, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ) was investigated. 

Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXXXXXX XXXX ), I was able to file a Borrower Defense claim with the Dept. of Education against ( your school ), and my Fed. loans were discharged and my credit repaired. 

My Borrower Defense Claim was also part of the XXXX XXXX XXXX settlement for which I was a full class member. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
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 Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received numerous emails from XXXX XXXX and Credco. I have XXXX inquires from XXXX mortgage where somehow they they were able to pull my credit report. They also called my phon numerous times and I had to ask them to remove me from their list. I have no idea what Credco is. These two companies somehow was able to pull my credit by obtaining my social security number.