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

I recently received a new copy of my credit report and I noticed an account was placed with collections in my name that I have disputed as fraudulent or belonging to someone with a similar name. I had no knowledge of this debt yet " XXXX ''. has continue to report it to my credit file. I had sent a certified letter to the collection agency and to " SUNTRUST '' ( the original creditor ) asking for " DEBT VALIDATION '' and I never received a response back. I believe this account is fraudulent or belongs to someone else with a similar name. This debt is not mine and I've tried every option I could think of to fix this erroneous reporting of this account to my credit file.
Product: Checking or savings account

I opened an account on XX/XX/2018 and was promised a {$600.00} dollar bonus within 60 days. I called Citibank and they told me to wait another 90 days, which I did. Every supervisor ( XXXX, XXXX ) told me I was eligible for the bonus. It has been 6 months now and I have not received it yet. I have tied up {$50000.00} and have even opened a dispute. Still no bonus.
Product: Credit card or prepaid card

I see a fraudulent transaction on my Citi bank credit card for {$190.00}. I got some gummies delivered to my home which I did not order, Since it is a fraudulent transaction I disputed ( Case id XXXX ) with Citi bank, they said the merchant has provided proof of the transaction so they will not accept the transaction as fraudulent. My issue here is, even in the letter that Citi Bank says the merchant has provided, the merchant details don't have any real information, the contact number mentioned as the merchant 's contact is not working, and the merchant from whom Citi Bank says I brought the gummies website is also not working. when I XXXX about it online I can see a lot of people have gone through the same scam but Citi Bank is failing to recognize these as fraudulent transactions. 

Another thing is, on the same day there are many fraudulent transactions that I disputed and Citi bank agreed to except for this transaction. 

My Credit card number is XXXX. 
Dispute case that I filed with Citi - XXXX. 
Date of Transaction - XX/XX/2023
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I noticed significant discrepancies in the reporting of the XXXX account ( Account Number : XXXX ). The balance is reported as {$0.00}, yet the status shows {$660.00} written off, indicating conflicting and inaccurate information. Furthermore, the highest balance reported as {$660.00} conflicts with the original credit limit of {$250.00}. 

Additionally, the payment history shows inconsistent updates without clear verification of which information is accurate. These repeated updates and inconsistencies violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and verifiable. 

Due to these inaccuracies and the failure to provide a clear, accurate, and verifiable report of this account, I request the immediate deletion of this account from my credit report. 

Please address this matter promptly to avoid further violations of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong info : Fcra violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Credit reporting or other personal consumer reports

Equifax has failed to update my credit report since XXXX I have sent proof of identity as requested ( copy of ID, social security card, along with a letter ). I have sent this 3 times in the last 3 years with no avail. I have not been able to get an accurate credit report due to this. I have tried applying for a new XXXX XXXX but no one can pull my report because of this issue. When I try to access my report, it says my report has nothing on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance on my car has deceased now {$4000.00} still showing old balance of {$6800.00}? 
XXXX XXXX balance is not updated? below? 12 % utilization XXXX XXXX XXXX balance on card is not updated? below 12 % utilization XXXX XXXX balance on card is not updated,? below 12 % utilization XXXX XXXX XXXX balance on card is not updated? below 12 % utilization XXXXXXXX XXXX XXXXXXXX has been paid in FULL! still showing unpaid??? incorrect!! 
All these balances are not being reported correctly at ALL 3 reporting agencies XXXX XXXX XXXX Experian
Product: Vehicle loan or lease

I was recently notified by XXXX XXXX that I was late 30 days on my auto loan with Toyota Financial Services. I thought this was strange because I didn't receive any communication from them and just submitted a payment on XX/XX/XXXX. I called in and spoke with a representative on XX/XX/XXXX Wednesday. This first person that answered after I went through the automation didn't respond when the call went live and hung up when I was saying hello. I called back and spoke with a gentleman and explained my issue. He stated that he saw my most recent payment and said if I would like an extension for the past due amount. I told him I needed an explanation on 1. Why I wasn't notified and 2. Which payment was actually past due. He stated that he just sees the past due amount. I told him I can pay the additional amount owed but I want to speak to whoever is in charge of reporting the late status to the credit reporting agencies. He stated he didn't know who or how to get me in touch with this person, but he can submit a complaint and these individuals would give me a call to discuss by the end of the week. I never was contacted by anyone. Seems to be a pattern. 

I contacted them again first thing Monday morning XX/XX/XXXX and spoke with a different agent. She stated that they denied my complaint. I asked why I was never contacted to discuss the matter and she stated they attempted to phone me and sent me letters. I explained that I never received a phone call from Toyota Financial Services and was for sure never left a voicemail. She stated that they attempted mail but when I called last week they didn't have my correct mailing address on file and had a work phone I don't even use anymore and has been disconnected since XXXX. I asked why I was never contacted via email as that is my preferred method of communication and she didn't have an answer for that. I stated that I receive an email confirmation when I make a payment and when my address was changed the previous week so I know they have that correct information. She was unable to assist me from this point so I asked for the call to be escalated to a supervisor or different department who is in charge of the credit reporting. She proceeded to put me on hold for 10-15 mins which now I believe she was discussing with her manager to get rid of my call because she proceeded to transfer me to a marketing division that handles these issues. I said ok, and when the next person got the phone I asked what her department had to do with my complaint she stated that she just tried to explain to the same agent that she doesn't handle these issues. I thanked her for being honest as she was pleasant to speak to after my frustration with the previous agent. I have a 100 % percent on time payment history across multiple creditors and I paid 2 monthly payments in the span of 1 week to address this issue all while dealing with this poor service from Toyota Financial. I believe they need to right their wrong and remove the late payment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified through my credit monitoring service about 3 hard inquiries on my credit report. The dates were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2019. These were not authorized by me. The inquiries were all from XXXX XXXX  for a XXXX credit account. I called this company on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX and XX/XX/XXXX. I also received letters from XXXX XXXX  for each incident stating " we regret that we are unable to approve you for the service at this time for the following reason, Risk of Invalid Identity ''. I put a fraud alert on my credit XX/XX/XXXX. I attempted to dispute these inquiries on line with the credit reporting agency EQUIFAX. Within 48 hours EQUIFAX replied with " inquiries are a factual record and they can not change that ''. I had detailed the above in my dispute. I had asked XXXX XXXX  to send letters to the credit bureau which they said they would and it would take 30-60 days. I asked for a copy of the letter and was told they would not send me a copy. These inquiries have affected my credit score and I would greatly appreciate some help resolving this. I have spent 7 hours on the phone with this bank and time with Equifax and am tired of getting the run around.
Product: Debt collection

i was checking my credit rating about 2 months ago when i see a collection show up for XXXX i tried to contact i could not, i called all the phone numbers related to them, all of them went to a recorder, i left several messages, no return calls,
Product: Vehicle loan or lease

The interest rate on this loan is too high. I almost only pay for the interest rate. I had XXXX XXXX 2018 and not able to work that much. I asked them for lower payment obtions. They only gave me loan extension. Because I cant work in XXXX as I used to before because of pain Im behind my payments. They reported to the credit agencies even I told them I had XXXX. Now I cant refinance my loan or get student loans because they reported negetive to credit bureau agencies
Product: Credit card or prepaid card

XXXX dollar around. 
I filed the claim to the my bank well fargo. I thought it will be resolved easily. I purchased something from the personal seller. It was a broken and dirty item. After I received it, I got sick because of its weird smell. And my floor had a lot of tiny Black bugs insects. I had to visit the doctor after that. The doctor said that I probably got affected by bad air or gas. The only thing I have touched with is that item. 

I filled the claim to the well fargo claim center. They never asked me any information. I have all pics and proof. Nobody contacted me. They just closed my case without a reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a fraudulent credit card company. I have requested proof of validation. XXXX AND TRANSUNION HAVE FAILED TO DO THEIR JOB IN PROVING ACCOUNTABILITY. I WANT TO SEE A SIGNED OR ELECTRONIC SIGNATURE STATING THAT I HAVE A LEGAL CONTRACT WITH THIS COMPANY. XXXX HAS FAILED TO PROVIDE THAT DOCUMENTATION THEREGORE I AM DEMANDING XXXX to be removed from my credit.report immediately thank you
Product: Credit reporting or other personal consumer reports

I looked on my credit reports XXXX, Transunion, XXXX and seen I had an account from XXXX XXXX for XXXX account number XXXX it was open XX/XX/year> I never opened up a credit card with them. I never lived at the address listed I sent my attached documents showing my address I been living at last XXXX years.
Product: Debt collection

Its Ally Financial Ally Financial XXXX. XXXX XXXX XXXX, MN XXXX. I asked them not to call on Saturday, sundays or holidays. I emailed them this request. They continue to contact me at all times of day, at work on my cell phone. They never sent written notice to me. The system calls automatically, when i answer no one is on the phone nor is the name on the caller ID. When i call back, they ask for personal info before identifying them selves. When i ask where they are calling from, they usually say the XXXX. I recieved XXXX calls today on XXXX. Told the rep it is a federal holiday and not to call as i had previously notifeid them. He replied who cares its not his holiday and he has a job to do. I also informed he was calling my cell phone. He said he does n't care. I informed him he should realize holidays are inconvient times as are weekends and evenings. He stated again he has a job to do. I read him the Fair Collection Act guidelines. I asked to speak with an XXXX speaking rep in the XXXX, he said those offices are closed. Be became abusive stating he would come and have someone take my car today if i did n't pay. Im only 10 days late. XXXX XXXX, 2016. Another rep called 4 times after i told her to stop. i asked to move a payment to the end of a loan due to physical issues. She said OK if i paid a {$490.00} fee to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  transferred ownership of my Home Equity Loan to Specialized Loan Servicing ( SLS ) effective XX/XX/XXXX. I have always paid this loan on time. However, SLS has now reported a payment delinquent over 30 days to XXXX, XXXX, and XXXX. SLS made these reports and knew that their records were incorrect. SLS claims that the XX/XX/XXXX payment is in question. SLS has attempted to confirm that I made the XX/XX/XXXX payment to XXXX XXXX XXXX  before they started servicing the loan. I have sent SLS documentation ( bank statement ) that clearly shows that the payment was made. I have had several conversations with SLS without any resolution or any concern that they are negligently damaging my credit report. Even with full knowledge and documentation, SLS has reported that my XX/XX/XXXX payment was over 30 days late because they are showing me constantly late. I filed a dispute with XXXX, but SLS apparently still claims that my payments were late. I am attaching several letters from XXXX XXXX XXXX  and SLS concerning the transfer of ownership, the SLS online record of my payment history with them ( notice how incorrect it is ), and 18 months of bank statements documenting my payments on this mortgage. My credit score with XXXX alone has dropped from XXXX to XXXX as a result of their negligent actions. SLS is knowingly and willingly reporting me as having made a late payment because they have an unresolved dispute with XXXX XXXX XXXX. That is a problem SLS has with XXXX XXXX XXXX, not me. SLS should not be permitted to make such reports.
Product: Credit reporting

I am currently in the process of purchasing a house in New Hampshire, I was told a few months back to try to dispute any inaccurately reported accounts on my credit report to help improve my scores prior to locking in a rate. The on-line dispute section of the major credit agencies was very confusing and difficult to navigate and as a result of my challenges I inadvertently disputed a short sale ( an account that closed in XX/XX/XXXX ) I contacted the credit agencies of my error and that I wanted to retract my dispute but a report from the creditor had already been made. I was told that I needed to contact the creditor and have them correct the " last reported '' as XX/XX/XXXX as the " last reported '' date now shows XX/XX/XXXX. The repercussions of this last reported date is major, what resulted is that when my loan goes to electronic underwriting through XXXX, the software THINKS that since this was report in XX/XX/XXXX that I 'm " CURRENTLY IN FORECLOSE '', and subsequently disapproving my loan. Under the instruction of the credit agency Equifax & XXXX I contacted the creditor XXXX XXXX XXXX to get help to resolve this mistake. XXXX XXXX XXXX was more than willing to help and was understanding of this error. Their credit corrections department called to the highest level at Equifax and XXXX & XXXX and tried to electronically change that " last reported '' date to reflect XX/XX/XXXX, they even went so far as to supply me with a letter that reads " The " last reported date of XX/XX/XXXX is an update that was requested in error. There has been no activity on this loan since it closed in XX/XX/XXXX '' signed by XXXX XXXX Servicing-Office of the President XXXX. Here is what XXXX was told by Equifax " they explained to me that it could n't be removed ( embedded software programming ) ''. I also reached out to Equifax by phone and fax and to XXXX by phone spending hours on hold and explaining my situation to several managers at various levels, ultimately at the end of those calls and faxes, I was told by both Equifax & XXXX despite the creditors letter, their calls, my calls, my faxes, that they are refusing or " unable '' to change that last reported date to XX/XX/XXXX. Without this correction my family of XXXX kids are going to be effectively homeless if this change is not facilitated by the XXXX credit bureaus to reflect the last report date of XX/XX/XXXX. My loan flatly will not be approved without this correction. I am happy to supply the letter from the creditor XXXX XXXX XXXX and provide contact information for XXXX XXXX at XXXX XXXX XXXX. Respectfully, I would ask you please, please help me to get this resolved as quickly as possible.
Product: Payday loan, title loan, personal loan, or advance loan

Predatory lending i couldn't log in to my account to make a payment look at terms even to pay off loan in full amount early. STILL CANT. And also when I was on the phone they never told me it was a high interest rate until after. I couldn't see their terms until after payment was received or log in to the account to pay off in full without the interest or extra fees. Now I have to pay XXXX on a XXXX dollar loan? When I try to log in it says access denied. They only call me and try to control the narrative by not allowing me to log in the account on their website and make the payments on my own. Reason I couldn't pay it off early was for this reason. I contacted them and they called me back a day after when the timeline already passed. Even sent them an emai that I couldn't log in and still can't.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report on XX/XX/23, it was noted that an account I have disputed as " not mine '' is still reporting after disputing this information with EXPERIAN. Experian has not provided proof of ownership of this account and continue to report this inaccurate information damaging my credit worthiness. I am requesting the proper verification and accuracy of this account.
Product: Student loan

I would like to file a formal complaint against XXXX/Navient Corp. I have a federal student loan that has been serviced by Navient Corp. since XX/XX/XXXX when I was attending XXXX XXXX XXXX, in XXXX, XXXX. In XX/XX/XXXX my loan went into default. At the time of the default, Navient Corp. sold my loan to XXXX XXXX XXXX XXXX ( XXXX ). XXXX attempted to collect the debt from me, through a " loan recovery '' plan, through a company called XXXX XXXX. I signed up with XXXX to get this loan back into good standing and completed the program on XX/XX/XXXX ( according to XXXX XXXX ). At this time my loan was sent back to XXXX, which intern sold it back, or gave it back, or transferred it back to Navient Corp as of XX/XX/XXXX ( according to XXXX ). When I signed up with XXXX, they recorded all of my information, phone number, SSN, birth date, and ADDRESS at the time. All of this information was sent back to XXXX, and than on to Navient. As of XX/XX/XXXX I have moved, 1 time, in XX/XX/XXXX. Before that time I resided at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX since XX/XX/XXXX. Not 1 time between XX/XX/XXXX to XX/XX/XXXX did I receive ANY information regarding my federal loan from Navient Corp. All the while I was under the impression my federal loan was in good standing, being that I have been making payment on my PRIVATE loan, which is also serviced by Navient . On Friday, XX/XX/XXXX, I received a notice in the mail from the Department of Treasury, stating that my Federal Tax return was being sent to XXXX due to a defaulted Federal Student Loan, which had been serviced by Navient. For just about 2 years, Navient had not tried to get into contact with me about my federal student loan, all the while having my correct address. Navient was using an incorrect address to send correspondence to me regarding my student loan, therefore the loan went into default, at no fault of my own. Navient has had all my correct information since XX/XX/XXXX, up until I moved in XX/XX/XXXX. Being that I have a private student loan through Navient, and had I been sent the information on my federal student loan, I would have been able to make payments on my federal student loan, and I would not be in this situation. Due to the lack of professionalism by Navient Corp. my loan went into default, and now {$7600.00}, which is my entire Federal tax return, has been sent to XXXX to help pay down the {$10000.00} I owe in Federal student loans. I want this money returned to me ( {$7600.00} ), and ALL my debts with Naivent Corporation settled to {$0.00}
Product: Credit card

Kindly examine the attached documents. I implore the bureau to commence an investigation into these accounts, as I am consistently on time, yet they are inaccurately reporting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Spoke with XXXX XXXX within the XXXXXXXX XXXX XXXX XXXX  ) for 1 hour and 1 minute pleading my case, and she acknowledged that XXXX did receive our CFPB complaint but did not act up on it because XXXX assumed that the complaint came from a third party!!! I use a company called XXXX to send out my mails because due to a pre-existing condition I cant go to an actual post office! The fact that XXXX is assuming instead of factually investigating, is a clear violation of 15 USC 1681 ( a ) ( 3 )! Your company ( XXXX ) assumed this role. You were not given express permission by me, the consumer, or a competent Court of Jurisdiction to report these erroneous inquiries, late payments on my consumer report. Therefore, not only did you fail in the initial investigation of these wrongfully reported informations, but you also assumed this role, and assumed these wrongfully reported informations were valid or as you like to say VERIFIED, which is a clear violation of my consumer rights.
Product: Payday loan, title loan, or personal loan

I got a rent to own with a dryer and the company could not deliver it to my house. It has been a month and half and I still have n't received a refund for the cancellation of the lease of the product. The store closdd but the leasing company kept asking for more requirements and more and all we 're met. They have the return info to the store and keep giving me the run around for the refund and final cancellation.
Product: Debt collection

I recieved an alert today that a collection was on my credit report. I looked and midland financial placed a collection in the amount of {$2800.00} on my report with a open date of XXXX/XXXX/2015 and a balance date of XXXX/XXXX/2015. I have no idea what this is for nor have i ever had any business relationship with midland financial. It has a account number of XXXX. They are required by the FDCPA to send out a dunning letter for any debts they say I owe so I can dispute them if they arent mine. I have never received any correspondence from them. Midland and there parent company XXXX/XXXX where just fined by the cfrpb for collection practices just like this. I want proof that this debt is mine with a signed contract and how I owe this amount. I also want proof that they have the right to collect on this debt and that they have a current business relationship with the original creditor. I will file a complaint with the the AG as well if this is not removed from my report immediately because they have completely disregarded the laws of how they are suppose to collect a debt and have given me no proof or a chance to dispute it.
Product: Debt collection

Called and keep asking for ssn identification. Claim to be from CBE group.