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

XXXX is inaccurately reporting my student loans to all credit reporters and miscalculating my balance on their website/records. I was checking my experian credit report when I found instead of 8 student loans in total ( unpaid and paid/closed ) ( I have only ever taken out 8 student loans in total ), there were 16 in total ( 8 open and 8 closed ). The balances have also doubled. 8 of the student loans are appearing from " department of educationXXXX '' and 8 additional ones are being reported from " XXXX '' - it appears this duplicate issue occurred during the transfer process causing in these " duplicate '' student loans with wildly inaccurate balances and payment histories and has not been fixed since XXXX of 2024. My current balances should also only be XXXX K instead is being reported I owe XXXX XXXX in student loans. XXXX XXXX  have been paid in full. Additionally, XXXX is currently placing my current payments towards XXXX already paid off student loans- meaning my payments are not being added to the principal amount and I'm accruing interest on the other active loans. I have reached out to both XXXX and XXXXother credit reporters with no resolution. I have opened multiple incident tickets with XXXX, been escalated on the phone, uploaded supporting documentation with no resolution. It was been 3 months of these consistent issues. I have also filed disputes with the credit reporters and no resolution has been made. Please review attached documentation for supporting materials.
Product: Credit reporting or other personal consumer reports

Thank you for assisting me in this matter. I would have chosen not to write this complaint and got the CFPB involved if I had other options, but unfortunately here we are. 
My issue stems with XXXX XXXX  for XXXX separate accounts : XXXX ( balance {$260000.00} ) XXXX ( balance {$100000.00} ) I went online in XXXX of 2023 to make a payment for both of these accounts and there system was down to site maintenance. I called in the following Monday where a support representative alerted me of site maintenance and I made my payment. Unbeknownst to me, I ended up receiving a late payment with XXXX for XXXX of 2023 for both accounts. This has had a significantly negative affect on my Credit Score and prevented me from doing much as I am no shackled. Normally I am not one to complain, however, this is unjust and inaccurate. According to the FCRA and FCBA, this information should be corrected and removed from my report. 
I have attempted to dispute these late payments several time to no real avail : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 and XX/XX/2023 I decided to be more proactive and attempt to give them the benefit of the doubt and called XXXX XXXX on XX/XX/2023. I alerted them that I had disputed the late payments on my credit report form them because they are inaccurate due to their site being down for maintenance. The support representative agreed that that was the case and made notes in my file and stated that they would correct it. I asked if I should dispute the late payments with the Credit bureaus again and they stated it wasn't necessary but I could if I wanted to. 

We are not 3 months past this conversation, several attempts at rectifying this with the bureaus and my Credit still being affected by their blatant mistake. This has caused extreme mental anguish as I am not capable at borrowing at the rates I deserve, rather what XXXX XXXX error states I deserve. 

I wanted to shine a light on these practices hoping that I can get these late payments removed because the error is not on me, yet on them.
Product: Debt collection

Received an alert from XXXX XXXX that a collection was added to my account. Logged into XXXX XXXX and called the company " Midwest Recovery Systems. '' Spoke with a gentleman named " XXXX '' who asked me for my social security which i refused to give. He then proceeded to ask for my name. I provided the name and the agent said that i took out a check into cash loan on XX/XX/2013. Agent forced me to pay it by saying today they report to all credit bureaus. I disconnected the call, and checked all my bank statements from the year 2013, a check into cash loan or any payday loan was not taken out. 

I researched the company and found many reports where people have claimed this company has done the same to them and the debt was not legitimate. I am requesting that action be taken against this company and this fraudulent account be removed from my credit report. In addition, no correspondence has been sent to me and this showed up on my credit report overnight.
Product: Credit card or prepaid card

Last XXXX, there was a series of unauthorized charges from XXXX, XXXX. I reported them immediately and they assured me that the charges would be investigated and I would not be responsible for the charges. I stopped making charges to help with their investigation and the next month, not only did they not take care of the charges from this source, they said that I was responsible for the payment of the charges. I called the customer service line and they assured me they would take care of the problem. The next month the charges were still there so I called again and there was a promise that the matter would be take care of, and I let them know that I would not be paying on charges that I did not make. Let me say that on all the calls made to the Customer Service or Security Line, there was a great deal of trouble understanding them. They may have out-sourced this department but they barely spoke English. 
On XX/XX/22 I received a XXXX delivered letter threatening me that if I did not make payments on my bill that they will be notifying the credit bureaus. A day later I received a bill from Citi that my account was in default. I called on XXXX XXXX and spoke to a rep. She looked into the issue and told me that in 3 business days that my account would be leveled to XXXX. Tonight I tried to add airtime to my mobile phone but my card was declined. I have had an account with Citi Cards for over 30+ years. No problems, no delinquencies, I have always paid my card off every month. I guess this is how you are treated if you are a " freeloader ''.
Product: Checking or savings account

XXXX XXXX XXXX ID : XXXX DOB : XXXXXXXXXX/XX/year> SSN XXXX XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I am writing this letter to request an investigation of the following information that appears in my XXXX XXXX XXXX  consumer report. I have identified several inaccuracies that need your immediate attention and resolution. 

CITIBANK ( Open Date : Unknown ) Account # : XXXX Routing # : XXXX I want to clarify that I have no association with this account and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. Enclosed are copies of my identification and any other supporting documents that may assist in your investigation. I would appreciate your prompt attention to this matter, as it is crucial for my financial well-being. Thank you for your assistance. I look forward to your timely response.
Product: Payday loan, title loan, or personal loan

I made a purchase on the Amazon website on XX/XX/2023. Amazon advertise on their website you can use XXXX to to pay for your transactions. I selected XXXX to pay for my amazon transaction. XXXX aporoved me for the {$150.00} loan which I had to put down down-payment to XXXX  for {$28.00}. 

I decided to cancel my Amazon transaction 5 minutes after my purchase on XX/XX/XXXX which XXXX did received a notice from Amazon saying my entire transaction was canceled and voided from the Amazon system. 

XXXX decided NOT to release my {$28.00} hold from my venmo master debit card which I used to pay XXXX on XX/XX/XXXX. 

XXXX had contridicted there story by telling me on XX/XX/XXXX and XXXX that they didn't receive the cancellation notice from Amazon yet. But several other XXXX customer service and a supervisor did confirmed the Amazon cancellation notice was pending in both systems. The XXXX customer service representative did confirm though the canceled notice was reflecting in the XXXX system on XX/XX/XXXX. 

I contacted Amazon executive relations and a Amazon customer service department did confirm on XX/XX/XXXX that XXXX did received the cancellation notice! 

I called XXXX a total of 3 times, Twice on XX/XX/XXXX and once on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have worked hard a American XXXX man to repair my credit from when I was young and In the XXXX services. Many of the Accounts attached to my credit are blatant fails fraudulent charges. like the fact that I used the Yellow Ribbon Program and my Post XXXX XXXX  XXXX to attend XXXX XXXX and Yet XXXX has charge my credit with a XXXX dollar delinquent credit that should not exists. Especially since I went to school online and all the classes where paid for by XXXX XXXX. What is worse is I have several Charges on my account for inquires I never made and A car company I don't own money too and Is to old to be on my account. Even with all of the inaccurate data between all three Bureaus I can see, My credit is showing as worse than my wife credit when I have never missed a payment in 5 years and I make almost three times the money she does. I believe this to be a fact solely do to the XXXX of my skin and I see this a purley foul play. How is it that i make XXXX XXXX a year along yet, I can't get a credit card without being willing to do a secured card? Yet, my wife only makes XXXX XXXX a year and has a credit card with a XXXX XXXX limit? How is it a XXXX man I served with with no Job can get a credit card with a XXXX XXXX limit and has a XXXX credit score even though he owes XXXX XXXX on the card with several missed auto payments since 2014 yet. I cant even get one from Major card companies and the ones that will only give me a XXXX limit? It's insulting and demeaning.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX  report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : XXXX XXXX XXXX  XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX  XXXX Balance : XXXX
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 15 USC 1681. 

U S DEPT OF EDXXXX : 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 card or prepaid card

I am writing to bring to your attention an issue regarding the withholding of my credit card rewards by Bank of America. In XXXX, BoA closed my credit card ( ending in XXXX ) citing risk concerns. It is important to note that I have always paid back the full amount on my credit card without delaying a single day for the past XXXX years. Furthermore, I maintained an investment account with BoA, holding assets worth over {$400000.00}. 

Prior to the closure of my account, I had accumulated a total of XXXX rewards points from all my previous card purchases. These rewards points are equivalent to {$1300.00} in cash value ( see screenshot for evidence ). Despite making multiple calls to BoA, requesting the redemption of my rewards, I was informed that they will not process the redemption after the account was closed. It is worth mentioning that BoA has gained notoriety for withholding customers ' credit card rewards and has recently faced a significant fine of {$100.00} XXXX, as reported in this link : https : //www.consumerfinance.gov/about-us/newsroom/bank-of-america-for-illegally-charging-junk-fees-withholding-credit-card-rewards-opening-fake-accounts/ Regrettably, it appears that BoA has not made any improvements in this area, and I find myself to be another victim of this practice. Consequently, I kindly request Bank of America to issue a check in the amount of {$1300.00} to compensate for the rewards. 

Please be aware that if necessary, I am prepared to take legal action to seek a resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally is reporting to XXXX monthly since XX/XX/XXXXof an auto loan that is financed through them. When I went to purchase my car in XX/XX/XXXXI was made aware of the ally account and several other accounts reporting to my credit report but only to XXXX All of the accounts that did not belong to me was from one individual however its only showing on XXXX  report. I have contacted the other 2 credit agencies and they dont have the information. Since then I have tried disputing I have contacted both XXXX and ally and requested that they remove the account from my credit report but neither company is doing anything about it. I was able to have the other accounts removed from my credits by doing a dispute except this one account. XXXX  is blaming Ally and Ally is blaming XXXX. I am at the end of purchasing my first home but due to this issue my current buyer is backing out.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I noticed that some accounts contain incorrect details, including wrong balances and payment histories. This false reporting is misleading and does not accurately reflect my financial responsibility. I need these errors to be corrected right away.
Product: Checking or savings account

Checks was deposited into my account without my knowledge, XXXX XXXX  XXXX is reporting this information to consumers which leading to not being able to open accounts. I need it deleted from my profile. Early warning
Product: Debt collection

Transunion refuse to delete this off of my credit. They keep chaining the origination date, I am unsure who and what this is. 
Please Help! This is not right! I have disputed this several time with Transunion, and this appears to be ongoing, and they keep denying stating that the debt is confirmed. Then they would change the date of when it originated. I noticed on my credit reports with XXXX and XXXX, it is not on those reports, it looks like at one time it was and it had an original date of 2018 and they removed it. I am not sure what this is from. I read reviews on the company bad practices : XXXX XXXX XXXX XXXX, and it appears that are obnoxious with their practices and not being truthful. I need this removed. and Transunion is of no help, I have been going thru this for year now. Really ironic after several back and forth disputes with Trans Union, and my I completed a survey about the dislike of service they email me this : ( I had to click on the blog link within the email to get here to get help ) Here is a copy and paste of the email I got : Dear XXXX, Friendly Reminder : We recently notified you about the results of a completed TransUnion dispute investigation. If you haven't yet viewed the results, you can still view your dispute results online. You have until XX/XX/XXXX, XXXX  days from the date we notified you that your dispute results were first available. If you have already reviewed your results for this dispute, no action is necessary. Learn more about how to read your dispute investigation results in our blog. If you don't agree with your dispute results, visit our blog to guide you through additional steps you can take. Sincerely, Your TransUnion Support Team Please Help! This is not right!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Date of Birth : XXXX XXXX Social Security Number : XXXX There is a tax lien on my credit report with Equifax and XXXX that should not be reported. I have attached the documents showing paid. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

Today is XX/XX/. Since XXXX XXXX, I have been trying to get Citibank to refund three clearly fraudulent charges on my account to no avail. I noticed three suspicious charges on my account. I called to report them, and Citibank promptly issued me a new card. I thought the matter was closed until I received an email on XXXX XXXX stating that they believe the charges to be legitimate based on evidence provided by the merchant. I called again and asked if they could send me a copy of the evidence they were provided, and I was told I'd have it in my email in 24 hours. By the next evening, I had not seen anything, so I called again. I was again told I would have it in 24 hours. I logged into my account and found that I could pull up the evidence myself in their dispute center. Not once did a representative suggest that as an option. I downloaded the pdf documents ( please see attached ) and quickly realized that the " evidence '' was flimsy at best. 1 ) The web address the merchant provided does not exist : XXXX XXXX XXXX. 2 ) I am not associated with the email address the merchant claims I used, XXXX. The irony of " lost XXXX '' is not lost on me. 3 ) the merchant 's IP address originates in XXXX XXXX, XXXX, XXXX. Additionally, Citibank told me that my credit card was not physically present at the time of purchase, and that they agreed the discrepancies I provided were compelling. All this clearly spells out fraud to me, but here it is three months later and I'm having to fight to get any sort of movement out of Citibank. My last interaction was this evening... I told them they could have until end of the next billing cycle before I submitted a complaint here, but I've subsequently changed my mind. This is ridiculous.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 Code 1681a- Definitions ; rules of construction - Exclusions- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experience between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I ordered my consumer disclosure report from LexisNexis sometime on XX/XX/XXXX, after I was notified of rate increase on my auto insurance at the time of renewal. When speaking with my insurance company that informed me that in whole and / or part of their decision to raise my rates was due to the information that was provided by LexisNexis. 

I went to LexisNexis 's website, as instructed and order my report. The report did not generate and I was provided a screen that stated in short terms, " I would be getting something in the mail. '' Also, during this process all my personal information was entered correctly and at no time during the request was I prompted to " upload '' or " send in '' personal ID documents. 

On XX/XX/XXXX I received a letter from LexisNexis in the mail. ( Ref Case number : XXXX ) The letter states in short : " Unfortunately, we are unable to authenticate your identity and therefore can not process your request. '' The letter goes on to explain that I am to go back to the website and resubmit for another consumer report disclosure. 

On XX/XX/XXXX, I went to the website provided ( consumer.risk.lexisnexis.com ) and submitted another request for my Consumer Report Disclosure. on XX/XX/XXXX I was given the same message from my first request. " I would be getting something in the mail. '' LexisNexis keeps sending me in circles to get my report. I would like my disclosure report to know what personal data and or / information LexisNexis has on file about myself and / or also understand how that data / personal information is affecting my insurance rate, financial life, and other areas in which I do business.