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

I have been a loyal customer of XXXX since XXXX when we purchased our first home and even re-finance our loan with them first time around in XXXX. 
Back in XXXX we wanted to take advantage of the lower rates and apply with XXXX again to refinance our loan, only to be denied. ( we have never been denied credit before ). We went ahead and contacted another lender who was not only willing to work with us, but got us approved for a significant lower rate. Regardless of the hardship that Covid-19 imposed on most of us, we have never been behind our mortgage payments nor been behind them, ever, and we work hard on maintaining our credit between very good and excellent since our business depends on it. I'm a XXXX XXXX XXXX  and every credit decision lenders, suppliers, and potential customers make are based mainly on my personal credit. After being told by my new lender that the new loan would close by the end of XXXX, I requested a off statement to confirm the amount my new lender was telling me on XX/XX/XXXX. That amount included all taxes, interest and principal owed till XX/XX/XXXX. For reasons beyond my control, the pay-off to XXXX was effective on XX/XX/XXXX for the full loan amount, but to my surprise, XXXX has reported me to the credit bureau the day before, Sunday XX/XX/XXXX for Late Payment, impacting my credit score tremendously. The same Monday XX/XX/XXXX I contacted XXXX to inquire about this misunderstanding, and after an hour on the phone, XXXX stated they will contact the credit bureaus via letter and copy me to have the issue corrected. After not receiving any letter from XXXX nor seeing any improvement in my credit, I contacted XXXX again today to inquire on the status of the letter and the removal of the negative reporting only to be told that more information was needed from the 3rd party first to remove the derogatory mark ( without ever notifying me what was needed nor when ) and later on after 35 minutes waiting for a " supervisor '', I was rudely told that she can't lie to the credit bureaus and the derogatory mark can not be changed. ( even after 7 years of loyal exceptional payment history ) After contacting XXXX  and equifax, I'm reaching out to you to help us in this uncomfortable and very unfair situation I've been placed on. 
I'm a hard-working person that has several families depending on our small business and I don't believe this multi-billion company, XXXX that is, or its " customer service '' reps understand the magnitude of the impact a simple wrong reporting could cause. 

Thank you in advance.
Product: Checking or savings account

On XX/XX/XXXX, I opened a CD account for XXXX for XXXX months at Chase Bank because I saw the advertisement that said the interest rate was 5 %. I opened it through the app, but after I opened it, I noticed the interest rate to be only 3 %. So, I got confused and contacted Chase Bank. The banker answered my phone and told me that the interest should be 5 %, and the app might be delayed. And he calculated how much money I could probably earn through this CD : XXXX % * ( 3 months/12 months ). 

Later, as the three-month approached, I found that the interest rate shown on my app was still 3 %. So, I got Chase Bank again to request more information. This time, they said the interest rate was always 3 % and had never been that high. I told them what the previous banker told me before, they said that I could provide no evidence for what the previous banker said. I was so angry!!! Do I supposed to record all the phone calls from them??? I mean it is okay if the interest rate is 3 % originally, but it is definitely not okay if they fooled me. I filed several complaints but never heard back any positive results. Everybody from Chase acted as if it was none of my business. Nobody even apologized for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with fraudulent collections and fraudulent inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Mailed the letter to Transunion for their violation pursuant to FCRA 604 - 15 USC 1681b. Permissible purposes of consumer reports. I, XXXX XXXX XXXX XXXX being the original creditor and consumer never gave TRANSUNION any written consent, and no authorization to report anything on my consumer report. No consent is Identity Theft. 

Please see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove inquiry from XXXX on my credit report. I have attached a letter from XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with credence resource management group. They served me a letter via mail around jlu ever since i have been patiently waiting to receive the documents i requested which where the original contract to proof this is my debt. I never recevied anything called twice and each time they were very avoidant could not provide me with specific infomration only my basici info and that i owed them money. This is very scammy and somehow they were able to report it to my experiand and transunion. Goes beyond the need to explain the importance of a good standing credit. i pray yo do the right thing and are able to help me. As of today i still do not have a contract with Credence Resource Management , LLC as requested.
Product: Student loan

I believe I was one of the individuals who Navient made my repayment of my loans difficult. My interest rates was was extremely high and bad information was given. Please help me to get to the problem of the situation.
Product: Debt collection

Account Resolution Services has XXXX medical accounts in collection that are reporting on my credit report. I do not believe that these account are mine and requested validation of these all XXXX medical bills. Account Resolution Services has failed to provide me proof that these medical bills are mine. I want to see my signature that I was at a hospital and I want to see where I signed a HIPPA agreement. 

Thank you
Product: Money transfer, virtual currency, or money service

Hi, I am actually the receiver of the transaction. My uncle from the US had tried to send me an amount of total XXXX XXXX  through western union.

Bank : Western Union money transfer Date : XX/XX/2021 Transaction no. : XXXX I had opted for bank account deposit. Which would've the amount deposited directly into my bank account, thinking that would be much more hassle free. But the amount was never credited into my account and while talking to the customer care here in XXXX and the US they're not providing us with an efficient solution. Its been over 2 months and still we can't track the amount. 
Please requesting your assistance. 
Regards
Product: Credit reporting or other personal consumer reports

Credit Bureau is reporting information to my consumer credit that is not accurate, has not been verified nor authorized. 

This is administrative remedy, as required prior to filing suit. I mailed a copy of the letter along with a photo copy of id and social security card. 

Actual letter is attached to this complaint
Product: Credit reporting or other personal consumer reports

The law clearly states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
XXXX XXXX XX/XX/XXXX XXXX Account charged off. {$450.00} written off. {$450.00} past due as of XX/XX/XXXX. 
nt name XXXXXXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$780.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$780.00} XXXX updated XX/XX/XXXX
Product: Bank account or service

I received a letter in the mail from a collections company in regards to an unpaid balance of {$80.00} from Suntrust. Once I called XXXX XXXX XXXX in MA, they informed me that I overdrew my Suntrust account which was opened in 2012. They do not have any details on if money was ever entered into the account or withdrawn? I was astonished because I have never been a member of Suntrust. My next step was to call Suntrust, who I explained my situation to. They transferred me from department to department several times before I ended up initially where I placed my call. The representative then said she was going to get her manager for assistance and hung up. I have tried calling XXXX more times and the same exact thing happened! Finally an agent placed a claim and told me I would hear something back in 24 hours, which never happened. I asked them to delete the bank account and contact the collection company, which has not taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX acct # XXXX, Child support XXXX XXXX acct # XXXX, online in XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX  acct # XXXX, self lead 60/30 day late payments 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian wrong address Experian has a lot of the same address that are not mine. They no the right address and keep having all this false information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -what is XXXX and who does it belong to not me XXXX XXXX XXXX XXXX XXXX XXXX who does this belong to this is not my address some more made up information that does not belong to me. 

I 'm reporting to this to the FTC as well My address at the time was XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Money transfer, virtual currency, or money service

I am trying to close my cashapp business account. They currently have {$100.00} frozen in my wallet and will not release it. Customer support claims that it is on hold due to a XXXX  line, which was filed in XXXX against a seperate business. Said XXXX lies was settled and released in XX/XX/XXXX. Despite providing proof that this is a seperate business, and also providing proof of the settlement and lien removal, cashapp still will not release the funds that are currently on hold so that I can close my account.
Product: Credit card

XXXX unable to make payments on the Prosper credit card app and the classic site continues to malfunction. This has been going on since XX/XX/year>.
Product: Checking or savings account

Registered for " pave the wage '' promotion with MoneyLion and XXXX XXXX XXXX. Met all requirements ie opted in, deposits, direct deposits from employer, and all other requirements. {$590.00} is due for this promotion. Money has not yet been deposited into my account.
Product: Mortgage

Bank of AmericaXXXX XXXX ( XXXX # XXXX, XXXX, XXXX ) did not disclose that HELOC payments would be interest + PRINCIPLE during the draw period which led me to reject offers from other banks. I thought I was getting an interest-only HELOC. HELOC application # XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX 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 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 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: Student loan

I have been trying to deal with Navient for the past 2 years, and Sallie Mae ( when it used to own my loans ). I was initially told by Navient that my loans would qualify for loan forgiveness if i met the 120 payments starting 2007. its been over at least a year since i have fulfilled this requirement, and they are not telling me the following : initially, i was told that because of the kind of loan repayment, that i did not qualify for the loan forgiveness, now i'm being told that the kind of consolidated loan that i have does not qualify because it is not a Direct Loan, which was the kind of loan that i initially had before i consolidated it per their advise. Navient is creating different barriers to avoid the loan forgiveness ... and relabeling a loan so that the 'kind ' of loan is not satisfied even though all other criteria is met. this is ridiculous.
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 confidentially under 15 USC 1681. 

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 XXXXXXXX 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

It has been a struggle, therefore I'm writing to ask you to remove the following bogus information from my file. The report includes a list of the items I need to eliminate. I am an identity theft victim and neither I nor the accounts were created. To fix my credit report, I request that the items be removed. I notified the Federal Trade Commission about the identity theft, and copies of the FTC 's Identity Theft Report are also provided. I hereby attest that I have not granted anyone access to my private or confidential records, and most definitely not to the allegedly inaccurate information that appears on my credit report. In accordance with FCRA Section 605b, I thus ask that you immediately delete these details from my credit record with your company. Kindly remove the following objects : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX DEPT OF EDXXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF EDXXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF EDXXXX  XXXX Balance Owed : {$0.00} DEPT OF ED/XXXXXXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF ED/XXXX  XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX  XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXXXXXX Balance Owed : {$0.00} DEPT OF ED/XXXXXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Immediately have the disputed items removed from my credit file in accordance with Fair Credit Reporting Act section 605b.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX are reporting an account from XXXX XXXX XXXX after an initial investigation was done this false and inaccurate account remains on my consumer report reporting by specifically XXXX and Transunion. 

According to report number XXXX XX/XX/year> accounts was disputed with Transunion XXXX XXXX XXXX and XXXX. XXXX has deleted account belonging to XXXX XXXX XXXX Transunion and XXXX has continued report false and inaccurate information after their investigation and was found verified. This is a violation of federal law and I asked to have the CFPB to look into this matter to have this issue resolved and for Transunion to have this account removed from my consumer report promptly. 

Thank you Sincerely XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I applied for a citibank secured credit card. I got approved and had to make a deposit of {$1000.00}. 

XX/XX/XXXX. Citibank withdrew {$1000.00} out of my personal XXXX  XXXX account. I received an email that I will receive my card in mail in 7-10 business days. 

XX/XX/XXXX Still no card yet. I called and they stated that my account had an invalid address in which I fixed and was told to wait for another 7-10 business days for the card in mail. I requested as a courtesy if they can expedite the card in express mail and they said they dont do that for new account holders that just opened a brand new account. At this point I am unemployed, with no money to make rent and Citibank has my {$1000.00} for more then 30 days. 

XX/XX/XXXX Still no card yet. The rep again tells me that the address was incorrect. I requested to speak to a supervisor and asked them what the issue was and why is it that I am receiving mail from every other company, just not theirs. The Citibank Rep told me that the USPS has been changing the address on the mail. I called USPS and they said they do not randomly change or reroute mail without the customers consent. I called Citibank back and requested to have my account closed and return my {$1000.00}. The citibank rep told me, in order for me to get my money back, they would need to send a closure form, that I would then need to sign and send back to them. Once they receive the form, They will close my account and I would have to wait additional 21 days. At this point, it has been more then 60 days that citibank has my money and will not return. 

XX/XX/XXXX I receive an email that my account has been locked with new card ending with XXXX. I still have not received any account closure forms from citiback that I can sign. 

XX/XX/XXXX still no mail from citibank. I called again and spoke to a rep and she stated that my account is still NOT CLOSED and that a replacement card was sent to another address that I never heard of. I was just shocked at this moment that they still dont have my accurate address and I have been waiting for a very long time to first get my card and now a document to close the account so I can get my money back that they have been sitting on. I was transferred to another rep without being told and she was very rude. I spoke to another rep who verified my identity by sending me a text and again stated that my address was incorrect. I updated my address again and told him exactly how many times this has happened and I am requesting to please close the account. He then transferred me to another rep and she finally closed my account and said I have to wait to receive a letter in which I have to sign and then wait another 21 days to get my money back. 

Today is XX/XX/2020 and it has been over 90 days that citibank took {$1000.00} out of my account and did not issue a card to the right address nor take steps to remediate the issue after I expressed the financial difficulty of losing my job during the Coronavirus Pandemic several times. This is very unethical practices and I feel helpless. Please help me get my money back from Citibank.
Product: Payday loan, title loan, or personal loan

Loan was Paid in Full on XX/XX/2018. Balance still showing and loan is still open on my credit report. They refuse to update per their own reporting guideline
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

We filed Bankruptcy XX/XX/2018 due to a large lawsuit against us. Prior to that we had very good FICO scores and we pay our debts on time NO Later payments. We reaffirm our loan with XXXX XXXX XXXX and now the account is completely missing from the credit report ; but we are still making payments and not getting the credit. I spoke to XXXX XXXX XXXX and said it is a new thing there doing for those who filed a BK. Is this legal not to report payment history?? When we have a loan with them? 

Please help.