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

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Once I received my first statement I reached out numerous times requesting help regarding the faulty work completing my total roof replacement, along with the Fix XXXX of XXXX. No resolution as of this date. Now I am being charged a fee to receive paper statements. The Fixed interest rate was to be XXXX for XXXX but XXXX XXXX that rate to XXXX and provided a poor quality roof replacement. Charged above normal standard cost of roof replacement and changing the interest rate fixed rate. My Roof was replaced 2022. I have attempted numerous times to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has fraudulently opened and sustained an account under my name. The company was unable to verify any correct information and also funded this account under a false dealership name. This account is fraudulent and not a result of any transaction made by me the consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma stated that I was pre approved and had an excellent chance in getting approved for certain credit cards and was denied and it effects my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit act, XXXX XXXX XXXX account # XXXX and account # XXXX type of account collections, Capital XXXX account # XXXX type of account revolving, the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , has violated my rights 15 U.S.C1681 section 602 A states I have the right to privacy 1 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions Also the collections failed to be validated by debt collection agency/ original creditor
Product: Mortgage

At closing of my loan with Caliber Home Loans, Inc on XXXX XXXX, XXXX, for the amount of {$490000.00} - I was presented with a Compliance Agreement. I have no problems with compliance agreements to provide missing documentations but under this agreement, I as a borrower only have 7 days to comply with any request. 

XXXX I have with this agreement is the small window I have to comply with this request. What happens, if I get a letter in middle of a vacation or business trip and I cant respond within 7 days? Under this agreement, my failure " shall constitute a default under this loan. '' This seems like a easy way for bankers take advantage of borrowers for noncompliance. 

If I had known about this requirement with sufficient time to close, I would have never have gone through with this loan. Unfortunately, I had no time left to look for alternative funding options without my real estate deal falling through. Therefore, I was forced to sign this agreement to ensure I did not loss my {$10000.00} deposit as part of my sales agreement. I feel like the bank had me over a barrel and I had no choice but to sign this agreement. This agreement is 100 % in favor of the bank and offers zero protection to hard working consumers. I really appreciate you looking into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO XXXX, XXXX, AND XXXX XXXX THAT PER THE FAIR CREDIT REPORTING ACT, XXXX XXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with ONEMAIN, nor have I signed any contracts with this company. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting ONEMAIN delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.
Product: Student loan

Years ago Navient was Sallie Mae. My loan went into default after a couple months not being able to pay. They directed me to a government program where I had to pay XXXX per month for 6 months before they could allow me to start repaying. After the 6 months they reopened my loan under the name Navient and added over XXXX to the balance of my loan. I tried to call the department of education years ago and they could offer me no answers as to why this was done. This seemed very illegal. They have had continual lawsuits against them and I would like to know how I can sign up for a class action lawsuit against Navient. They now are saying they are changing the name to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX XXXX Owed : {$260.00} XXXX XXXX XXXX XXXX Balance XXXX : {$370.00XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX  XXXX Balance Owed : {$30000.00} XXXX XXXX  XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I made a payment of {$490.00} to Nelnet ( Bringing me current ) On XX/XX/2018 I made a payment of {$50.00} to Nelnet ( Keeping me current ) On XX/XX/2018 I made a payment of {$53.00} to Nelnet ( Keeping me current with decrease in balance owed ) However, my credit report as of XX/XX/2018 has yet to be updated correctly. 
I called XXXX  and filed a dispute sometime in the month of XX/XX/XXXX to dispute the issues with my credit still showing me being behind 140+ days with an account that " needs attention '' and I received notification on Sun XX/XX/2018 that my 3 accounts had been updated and current. One week later, I received notification from XXXX XXXX stating that my credit for the three Nelnet accounts went back up due to late payments and it was reverted back to the previous status. ( As if they didn't make it current a week later ) I called and both Nelnet and XXXX  continue to send ma back and forth telling me that the other company/agency is to blame but it's still not fixed. Not only that but Nelnet has three separate account on my credit when in Nelnet I'm only able to pay two separate accounts ; meaning it should be two accounts on my credit and not three.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED THAT HUNTER WARFEILD PUT A COLLECTION ON MY CREDIT DUE TO A BALANCE REPORTED TO THEM BY XXXX XXXX XXXX IN XXXX NORTH CAROLINA. I CONTACTED THE APARTMENT COMPLEX AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER LIVED THERE THEY QUICKLY APOLOGIZED AFTER I SHOWED MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THEY TOLD ME UNFORTUNATELY ONCE THE COLLECTION HAS IT THERE NOTHING MORE THEY CAN DO AND INSTRUCTED ME TO CALL HUNTER WARFEILD. HUNTER WARFEILD SAID THEY DIDNT CARE THAT I DIDNT STAY THERE SOMEONE & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL I HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER LIVED IN THOSE APARTMENTS. I ALSO WANT ALL OF MY POINT BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A 6 MONTHS BEFORE XXXX XXXX XXXX  STATED THE LEASE WAS SIGNED.
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  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I've been dealing with Direct Express/ Comerica Bank for my government benefits. I never had any issues until they decided to send me a new card for whatever reason and now I cant access a live person to set up my pin or access my money to pay bills. The amount is showing that's its there on the card but I can't set it up with a pin I cant get access to it. I need help to pay my bills. No one answers the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

consistent and privacy, consistent with the coordinate provisions of sections 8-308,8-401,8-404 this section provides that a signature guarantor warrants at to fact at the time of signing. 1681 line 2 right to privacy Experian XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX acct # XXXX XXXX dollars XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX amshercollectionservices acct # XXXX XXXX dollars.
Product: Debt collection

I run a small business and i signed for a merchant services for a period of 4yrs and we completed 4 yrs and i was on month to month for a period of 8 months. A representative from the company visited and said that he will give us new updated machine. ( i had already owned both the machines ). He switched one machine only, he said I own the other machine and signed a new lease. 
He said this is a new lease and the old lease is terminated. 
when i checked the monthly statements, the merchant services were taking ( withdrawing ) 2 different amounts. old lease amount of {$64.00} and new lease amount of {$130.00}. I called the company and the customer service people were very rude and was not helpful, they insisted that I have to pay both. 
I had about 4 to 5 calls and I did not get any help. They did not even connect me to the manager or supervisor, when i requested them. I disconnected the machines and switched the company. 
Later they requested the machines to be sent and i did send the machines. 
I requested them to settle the issue with a suitable amount, they asked for {$6900.00}, which is beyond my reach. 
Later i got a letter from a collection company for {$3900.00}. I replied this company and they stopped all the communication. 
Now I have a call from another collection company called XXXX XXXX XXXX XXXX, a person named XXXX XXXX LEFT a message to be called back. 
I request you to help me in this regard. 
My business is very small and my income is also limited.
Product: Debt collection

IS REPORTING XXXX DIFFERENT UNDISCLOSED AMOUNTS ON MY CREDIT REPORT ( XXXX AND XXXX ) SHOWING I HAVE COLLECTION BALANCES. ALL BALANCES HAVE BEEN RESOLVED.
Product: Debt collection

Return a phone back to XXXX  in the store. Sales representative took the phone. XXXX is reporting they didnt get the phone it been years more than 7 years. The collection was removed from my credit but this company name Enhances Recovery in XXXX have been calling me trying to recover money from this old collection.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the allieged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXXXXXX balance {$0.00}, ( please remove these fraudulent inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CBB Collections in XXXX XXXX is trying to attach my SSD check of only XXXX per month for old medical debts in 2013. They have filed with the Court and are asking for trial. I do not work, have been XXXX XXXX for 14 years and barely make it. They are suing me for {$760.00} which is more than half of my monthly direct deposit Social Security Check.
Product: Credit card

I signed up for a JC Penny credit card with Synchrony Bank a couple years ago. It is not used often. I just received a notice that they have updated their policy that they will be charging to receive paper statements as of next month. The fee is {$1.00}. Although the size of the fee is small, it is a fee which punishes consumers for managing their finances. 

For those that don't review statements religiously it could be easily missed. Otherwise it essentially is nudging if not forcing customers to use online statements only. Computer ownership is common nowadays however this policy is essentially requiring people that want to use their store credit card to own a computer and have internet. Should a customer want a paper copy for their records they would also need to own a printer. 

However my largest concern and my personal issue with this is this new policy forces a customer to manage finances online. Companies have IT departments that are constantly working to keep themselves safe but there is no way to guarantee security. I don't have an IT department on my end. I can not explain how a computer works or how the internet works or how a hacker works, etc. I do know that anything online is exposed to risk. Literally a few minutes ago I received a message that my data was compromised from another company I have business with. Some hacker got info from millions of their customers in the blink of an eye. I have had a bank that had a computer glitch and it erased a deposit made months before. They had no record it was ever received. I had my bank statements they sent me. Because of that they found the computer error and also multiple other customers affected. There is nothing anyone can say that will ever convince me online is safe. 

This policy could also be discriminatory against aged Americans that have been managing and paying bills via mail their whole lives. It essentially requires customers to " get with the times or get out ''. 

I work in finance. One thing that is and always has been the truth is people that manage their finances online are much less likely to actually review statements. They are lazy. This is not an opinion but a financial truth that online users are much more likely just to check the balance and never review a statements item by item. People from older generations learned how to balance a checkbook and reconcile their accounts with their statements. For example : there are commercials advertising apps that search your finances for things you are paying on and not using. This is a chronic problem with the younger generations. Thus discouraging paper statements engenders more errors going uncaught. 

I am employed in the financial industry for many years including financial crimes. Over the years I have seen and spoken to thousands upon thousands of customers and have noticed consistently that people that manage finances online are far more likely to miss errors and expose themselves to risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed XXXX, XXXX, TransUnion as well as debt collection agencies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , and XXXX XXXX that Pursuant to 18 USC 8 I owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 USC 1618 b 2. The company has no permission to report anything using my info pursuant to 15 USC 1681 4. XXXX deleted those inaccuracies from my credit report but XXXX have illegally verified debts that does not belong to me. Transunion hasnt deleted those collections either. My rights are being violated and I dont have access to my right to credit.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I had 3 credit cards with Citibank and all 3 were compromised. Since XXXX I have been trying to resolve an identity/fraud issue with them. There were over {$8000.00} of transactions that were charged to me but not made by me. After several months Citibank completed their investigation and determined the credit card charges were fraudulent. 
However, there was also a bank account that had been opened in my name using my social security number in Florida. Monies was transferred from this card ending in XXXX to a Citibank checking account. I have NEVER had a checking account with Citibank and I have NEVER lived in Florida. I have tried to have this disputed through the bureaus and Citibank will not honor the dispute, I received a letter XX/XX/XXXX saying they needed more information. THEY HAVE ALL THE INFORMATION!!! I have brought this issue up to Citibank 's executive response unit and was told that iiiiii have to call some other department and have them reverse the charges and credit my account, HOW?!?! On an account that no longer exist and has been closed. They gave me a number to call and no one can assist me. I get transferred multiple times back and forth to different departments spending HOURS on the phone with no resolution. I AM TIRED, FRUSTRATED, and FURIOUS. Their last email received XX/XX/XXXX ended with them saying they will no longer respond to inquiries regarding this matter. WHATTTT?!?!?! Meanwhile my credit score is taking a devastating hit. I need a serious intervention and hope you can assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report and its been well over 60 days and I haven't received any investigation results. Also the disputed accounts are still being reported on my credit reports and the company has yet to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature, As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : -Defamation -Negligent Enablement of Identity Fraud -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Sect ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Vehicle loan or lease

After talking to 10 different agents two claiming to be supervisors I have not been able to get my title and have been told lies on every attempt to obtain my title.