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

I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately on my file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this letter. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  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 card or prepaid card

My name 's XXXX XXXX and when I got XXXX  I didn't have a bank account at first so opted to have a debit card sent to me, it is trough a company called way2go card or eppicard and from Conduent! Now I've had trouble with this company from the start. Originally had to cancel the first card because I never received it. The. Ordered one through XXXX. Finally got the card activated it and started to use it. It worked for couple transactions then started declining everything, I came home and called them, after several hours and being hung up on a few times finally got all ahold of someone and they said it would be fixed within 24 hours. Well after 24 hours I went to town and started using it again and the same thing happened, it worked for a few transactions then started declining every transaction. I came home again and proceeded to call the company again and after a four hour wait was finally able to talk to them again and his one they said it would be fixed within 24-48 hours and I wouldn't have any more trouble. Well I waited 48 hours and decided I'd call them before I went out or town this time to avoid looking crazy at the store it it declined again. It took another 3 hours to talk to someone and this time they said my account had been locked and in order to unlock it I had to send in a picture of my ID or SS card and Birth certificate, now I waited 19 weeks to get my unemployment and there was {$9300.00} on my card when I received it and now it's locked with over {$8000.00} on it and I think they are trying to take my money! I've since switched my payments to direct deposit but this company will not transfer my money to my bank account! My powers been turned off, my rents due and barely have any food! This is crazy I had set up text alerts from the first time I activated the card and never received the first alert! I want my money but don't trust this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a validation of debt request fulfilled for many many months with no success. XXXX XXXX has failed to respond to me in a timely manner and I have received XXXX itemization of the debt I allegedly owe. Please delete XXXX from my credit report immediately. 

Also, I was informed that Vance & Huffman would be deleted as part of the settlement payment. The settlement has been fulfilled but the account still remains on my credit. Please delete.
Product: Credit reporting or other personal consumer reports

Have made several attempts and contacted XXXX  XXXX in regards to receiving mailed statements, because of my current situations i am not and have not been able to receive any emails or have access to do so, upon notifying XXXX  XXXX of this issue nothing was done to send these statements, violate my rights us code 1666b. please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The below listedt of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX  acct # XXXX has violated my rights XXXX XXXX Bank acct XXXX XXXX has violated my rights XXXX XXXX acct # XXXX has violated my rights XXXX XXXX XXXXXXXX acct XXXX XXXX has violated my rights XXXX XXXX XXXX acct # XXXX violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1981 section 602 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c, section ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has resasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In attempting to secure a mortgage, I have been closely monitoring my credit report. On XX/XX/XXXX Citi reported a balance on a card that I have on them. Since XX/XX/XXXX, I have made a multiple payments in the amount of {$1600.00}, {$250.00}, {$1300.00}, {$1500.00}, {$1400.00} and {$95.00} to payoff the balance on the credit card as well as maintain the zero balance. As of today, XX/XX/XXXX, Citi has not reported to any credit bureau since then, while telling me it is there policy to report every 30 days. The first agent that I spoke to stated that my information was reported " accordingly '' since the inception of the account. When asked what " accordingly '' meant, he stated multiple times that it was every 30 days. Upon counting 30 days fromXX/XX/XXXX with the agent, we concluded that an update should have been sent on XX/XX/XXXX. At this time XX/XX/XXXX, I have paid for a credit report daily from the three agencies to see if Citi has provided the updated score so my lender is able to pull my final credit to close on my house. To this date, Citi has not provided the updated score and customer service was not able to provide any resolution that was timely. The first option provided to me was that I mail a letter to the credit risk department but was not provided with what the credit risk department could do or how they could help. When asked what I should include in this letter, I was told to " just explain my problem. '' This felt like, send your issue off into oblivion so I can hang up and move to an easier call. Secondly, the supervisor told me that she could open a dispute directly with the agencies but I have already done that and this would take 7-10 days to see if the agencies have anything to say. ( This does not make sense as the agency is not responsible for Citi reporting my score and the agenices have already told me Citi has not sent an update since XX/XX/XXXX ). Finally, she said she could have the credit team push my updated information but it would take 30 days for that to appear. If this were the case, it would take Citi 68 days to update to the agencies, after promising they update accordingly, every 30 days. The irony here is that it doesn't take 30 days to show a new line of credit when opened with Citi but yet it takes 30 days to report a zero balance and a several thousand dollar increase in a credit limit.
Product: Checking or savings account

Please call, not enough space for all details. I went inside to make a deposit ; however, due to the tremendous amount of people waiting, I went to the atm inside the lobby. The ATM kept {$1100.00} cash along with my debit card. XXXX XXXX the branch manager XXXX ID # XXXX did absolutely nothing to assist. He gave misleading information and allowed XXXX to process a {$100.00} deposit which led to me having to call the XXXX # for assistance. He stated their electrical system was down, yet he was able to return my card and other customers were able to make transactions immediately afterwards. After requesting his direct supervisor contact information he originally stated he doesnt not report to anyone then provided a supervisor in their marketing department. My concern was for missing cash deposit not marketing. XXXX XXXX XXXX is the number he gave and that rings a few times before disconnecting. I emailed both XXXX and XXXX and have not received a response.
Product: Debt collection

On XX/XX/XXXX I received a letter from Wells Fargo Education Financial Services offering to settle on an outstanding loan ( I assume private Student Loan ) that I did not know existed. The settlement amount was XXXX I immediately responded listing my concerns but did not get a response but on XX/XX/XXXX. received just another copy of the XX/XX/XXXX. settlement offer!
Product: Credit card

On XX/XX/2023 I sent feedback to my complaint # XXXX that was originally filed on XX/XX/2023. I received no response to my questions on XX/XX/2023 regarding your response on XX/XX/2023. Here are my questions from the complaint # above. 

Thank you XXXX XXXX XXXX for your response to my questions. In your 4th through 6th paragraph you state that there are multiple reasons why my deposits won't post as a credit to my account. I have a few questions about those reasons. 1. In your 4th paragraph you state that a stop payment could effect this. I can understand if Synchrony was receiving a paper check by mail because those take many days. But this payment is processed through electronic payment from one bank to another and as you can see from my attachments it happens within a few days. Also XXXX policy states that it can not stop payment on a payment after its been paid. You can see this in the " Stop payment of checks '' section in the link provided below. I believe that since the payment shows up in my XXXX XXXX account XXXX can not stop this payment and this first reason is not valid reason not to post it as a credit to my account. https : XXXX? XXXX XXXX. You also state that a " large number of payments made within a specific time period '' could cause this to happen. Could you please specifically explain your definition of a large payment, and how you calculate that large payment when it relates to my account. Also could you please explain what specific time period you are referring to. I make one sometimes two payments a month. Does two payments in a 30 day period cause this? If so could you please tell me what amount and time period I should be paying to keep this from happening in the future. 3. You state, " previous returned checks '' I have never had any returned checks. Please let me know if this could be a reason. 4. " Payments on new accounts '' please explain what a new account is and if I fall under this category. If I do could you please give me a time period when my account is no longer considered a new account. 5. " Out of pattern payments '' please explain Synchrony 's definition of out of pattern payments. As stated above I will usually make XXXX, possibly XXXX payment a month. I pay on or around the XXXX of the month and maybe XXXX in the middle of the month to bring my available credit back up. 6. " Amount of payment '' please explain what dollar amount of payment is considered large in my situation. I know you may not be able to give me the specific answers to my questions. If not I would greatly appreciate it if you could escalate it to someone that can answer them so we can get this handled and so I can make an educated decision how to handle this account. Thank you for your help.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : Child support {$2000.00} account number XXXX XXXX XXXX XXXX {$1000.00} account number XXXX XXXX XXXX {$3000.00} account number XXXX XXXX credit {$560.00} account number XXXX XXXX XXXX XXXX XXXX {$560.00} account number XXXX XXXX XXXX XXXX/ my rewards {$400.00} account number XXXX Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( i Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC $ 1692g v
iolations Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 168in ] 15USC {$
1600.00} ( a ) ( 2 ) - ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
Best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX, Acc # XXXX has violated my rights. 
XXXX, Acc # XXXX has violated my rights. 
XXXX XXXX XXXX, Acc # XXXX has violated my rights. 
N/A, Acc # XXXX has violated my rights. 
N/A, Acc # XXXX has violated my rights. 
XXXX, Acc # 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. states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting

I 've dispute XXXX aka XXXX for years and they have ruined my life for years when the account is not right. I try to submit the letter where it should be removed and they say the file is too big. They do everything they can to harm individuals. Additionally, they report an extra address that 's not mine and refuse to remove it. I live at XXXX XXXX XXXX XXXX XXXX XXXX, they have a second address as XXXX XXXX XXXX XXXX XXXX XXXX that 's a typo and all these extra, incorrect addresses hurt my report, yet they do n't care one bit. I 'm a single mom and they 've destroyed my credit for years claiming they investigated, yet your records will show every time I actually investigate myself, it 's removed. I 'm a single mom and this has been my nightmare. This company does n't care.
Product: Credit reporting or other personal consumer reports

I think upon helping someone submit a claim for the cfpb it used my account instead and now my date of birth has changed to XXXX. My date of birth is XX/XX/XXXX and I am XXXX XXXX  of age I have a Id that will show that as well
Product: Credit card or prepaid card

On XX/XX/2019, I made a hotel reservation for the weekend of XX/XX/XXXX using my Chase credit card through XXXX. Due to a medical emergency with my fiance, I had to cancel my room on the morning of XX/XX/XXXX with XXXX. I was told to use my travel insurance from XXXX which is sold by XXXX. After XXXX wanted a copy of her ER paperwork, which she didn't feel comfortable releasing at the time, I used my credit card company 's dispute process. The rep disputed both the hotel charge and the insurance fee I was then issued a refund. On XX/XX/XXXX I got a call from Chase saying that there is a no refund policy with XXXX and there was nothing they could do about it. I then received a letter from XXXX stating that since the insurance disputed I can't file a claim. Now I am on the hook for {$480.00} for a hotel that I never went to with no way of getting it back.
Product: Debt collection

Approximate 7 years ago, I did a XXXX XXXX XXXXs deal instead of going into foreclosure. My concern was that both the first and second mortgage would be paid for and I would be free an clear of the property. I was reassured by the real estate and mortgage company that both mortgages would be paid and I could walk away from the home. 

Now, I have found that I have an outstanding judgement from the second mortgage company, and they are now garnishing my wages. The only reason I found this out was due to me getting an W2 job ( I have always worked as XXXX ). I found the case online, the process server didnt serve me but a ficticious roommate, I never had a roommate and I dont know the person named that received my summons to court. I have never received paperwork from either the law firm or the second mortgage company requesting payment. 

I do know that the home was sold to another family, and no Foreclosure legal process ever happened, nor did a judge remove the second mortgage from title. 


This {$30000.00} second mortgage is now $ XXXXthat I must pay off for them to release the judgment.
Product: Mortgage

XX/XX/XXXX Complaint against : Quicken Loans On XX/XX/XXXX, I made an inquiry to Quicken Loans for refinancing my mortgage. The banker ( XXXX XXXX ) said that he would look into it. Shortly right after, I received an offer from Quicken Loan for refinancing. I noticed some discrepancies I talked about it with XXXX XXXX ( banker ), this was the last email from Mr. XXXX on XX/XX/XXXX stating that he had the information to proceed. 
On XX/XX/XXXX, I received an email from the appraisal company that quicken loans selected. An appointment was set and the appraisal for which I paid under the impression that the loan was a done deal as long as the value came under Texas guidelines. The appraisal value was within the Texas guidelines. 
On XX/XX/XXXX, I received an email from XXXX XXXX requesting a call. I called XXXX just to receive the news that Quicken could not help me with the loan and she asked me for several things that were not standard. XXXX was very rude as well as her supervisor XXXX XXXX who is the Director. The attitude from both was rude, aggressive. I received another email from XXXX and then a call from XXXX XX/XX/XXXX, I received a call from XXXX XXXX giving me other reasons for denying the loan. He was very professional a complete 180 from the two previous women. 
In short, A.-they entertained my application long enough to order an appraisal. I know that is not standard procedure. I need the appraisal fees back ( {$500.00} ) B.-I never received a written explanation for the denial after they had ordered an appraisal.
Product: Debt collection

On XX/XX/XXXX I paid my XXXX XXXX account off. it is showing paid in full. 

I paid my XXXX account off in the same month in XXXX. It is also showing paid in Full both accounts are closed and the XXXX  stores are closed across the country. 

Another account XXXX Bank Paid in full sold to XXXX and XXXX, PL. XX/XX/XXXX Affiliate name : XXXX XXXX acct number ending in XXXX File number XXXX DEBT PAID IN FULL I FILED BANKRUPTCY IN XXXX XXXX  XXXX IN XXXX COMPLETED THE XXXX  XXXX, XXXX XXXX, THER HAS BEEN SOME CREDIT CHALLENGES OVER THE YEARS BUT MY CREDIT IS MY LIVELY HOOD. THERE WERE PERIODS WHEN MY DEBT SUPER CEEDED MY INCOME AND I WAS IN BETWEEN JOBS FROM XXXX OF XXXX THIS CAUSED A DECLINE IN MY INCOME AS WELL AS LACKING THE FINANCIAL MEANS TO COVER SMALL EXSPENSES. MY XXXX  XXXX IS SHOWING ON THE CREDIT REPORT AND DUE TO THIS I AM UNABLE TO SECURE HOUSING OR OBTAIN A XXXX  INTEREST RATE IN THE EVENT I BUY A HOME. MY CREDIT SCORE SEEMINGLY STAYS IN THE LOW 400-500 AS THIS HAS BEEN THE CASE FOR MANY YEARS NOW. THIS IS UNFAIR PRACTICE WHY IS IT NESSCESARY FOR A DEBT TO LINGER AFTER IT HAS BEEN PAID PENSES
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Ensuring prompt payments has been a priority for me on this account, with no history of delays. I'm puzzled by the presence of late payment remarks on my accounts.
Product: Vehicle loan or lease

Car installment loan with Veros Credit and XXXX XXXX in XXXX NC. 
XXXX XXXX  sold me a car they knew was not going to work, when the check engine light came on after a week of the purchase I was told that the vehicle had patch work done and the car salesman also pressured me into getting an extended warranty. They sold me this vehicle under false pretenses, I reached out to veros credit numerous times and they are not trying to fix this problem. They have repossessed the broken vehicle 2 times, and refuse to hold the car brokerage accountable for selling me a car under a fictitious sale, they knew this car was going to mess up. It didnt even last a month after purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have only XXXX phone number As I look on my Experian, XXXX and XXXX I see unknown phones that doesnt belong to me the only phone number tha should be listed is 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. 

XXXX # XXXX DEPT OF EDUCATIONXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # 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.