23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I frequently email, call and respond to them trying to get an income based repayment plan but they have been no help to me at all. They put me in forebearance for 2 months and attached it to my credit report. Not to mention i left that college 2 months after enrollment and cancelled out my loan but they said they could n't help me being the school signed off as me being there. I never saw any pell grants on top of that.
Product: Payday loan, title loan, or personal loan

I am complaining because I have noticed a negative action on my credit report regarding a late payment to it. I called customer service, not once, not twice, not three, but FOUR times regarding it. Each time I get passed to another customer service person to start over. This is unacceptable to me.Due to this horrible customer service I have recently closed all my back accounts with Citibank, and I want to pay off my loan that I have with Citibank, so I never have to deal with them again. My loan was reported past due to the credit agencies, which is Citibanks fault because it has been automatically deducted from my bank account for the last 2 years. I never paid with check in any way and I do not even know my loan number, so the lateness is probably from one of their unqualified employees that currently work there. I have called to resolve the issue numerous of times and they have not helped me out in any way, instead they put me on hold, and pass it to another person. To resolve this issue, I would like all fees associated with the lateness reversed and I would like it removed from my credit report immediately. Once that request is completed, in full, I want to pay the loan balance off and close it out. I would also like a written statement explaining your companys position and what you will do about my complaint. Citibank is terrible, please do not use them for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Debt collection

I leased an apartment in XX/XX/XXXX-XX/XX/XXXX. I received a letter from the community that I was being billed for a couch that I had damaged. My mother showed them proof that the couch was not damaged when I left and we told them that we would not pay for it. She showed them the video of my move out and my move out inspection. They said they would not send me to collections. The collection agency they use is Southern Management Systems in  Florida. Now I have had it on my credit report because it was reported on XX/XX/XXXX, and my mother 's and I keep disputing it and they will not take it off my account or hers. While the apartment community is at fault, I do not understand why they keep keeping this false information on my report.
Product: Checking or savings account

I had a Checking Account with Capital One. During my tenue with them, I had two cases of unauthorized transactions on the account. I filed fraud cases, and submitted my documentation as requested. They would deposit a " Temporary Credit '' and stop contact until they removed those credits, over drafting the account, and eventually closing. They would state " Lack of information from my part ' even though I would send them screenshots of me sending them the requested information. They then proceeded to stop communication altogether and closed the accounts with a negative balance.
Product: Credit card or prepaid card

I purchased an computer for XXXX through an online auction company called XXXX on or about XX/XX/2019 and paid for computer with my XXXX Visa card issued through Synchrony Bank. I found out computer was supposed to be received on XX/XX/2019 at XXXX XXXX. I however never received my computer even though XXXX XXXX XXXX was saying my computer was delivered. Well I am wondering who was my package delivered too? I live alone and I didn't accept delivery since I wasn't home. XXXX is know for saying packages have been delivered when in fact package is left at door or porch of consumer 's residence. Where I live, There are over 500 apartments in complex where I reside. At any given time someone could see a package and walk up and grab the package and leave. I know in fact that XXXX often will leave a package at one 's door if no signature requested service isn't provided. I in fact live within 10 miles of an XXXX Store pick up center. I would of been too happy to go to pick up and sign for my package. I also believe this situation could of been avoided if XXXX had of requested an Signature service. I just don't understand how a company can bill someone over 300.00 for merchandise and not require an signature service. I in addition notified Synchrony by emailing and faxing disputing document s requested. A temporary credit was issued but reversed by merchant when the merchant claimed that I did receive the merchandise. The merchant once again is believing that i actually accepted delivery when I wasn't home. I am now out of my money because Synchrony bank just don't care. Synchrony Bank needs to understand that XXXX makes tons of deliveries per day. They often say packages are delivered when in the packages are left at people 's doors and porches. I am the victim here. Please send an message to XXXX that they need to use a signature service when shipping merchandise especially if its over 300.00. I should not have to suffer an lost because of the merchant 's bad judgement. There are no winners here. Please Synchrony do what's right. You are suppose to be my credit card company!
Product: Credit card or prepaid card

I contacted Synchrony in regard to updating my Walgreens account/rewards number that's associated with the Walgreens Mastercard , but they don't have a solution. I am doing this because Walgreens customer service said in order to merge my old Walgreens account and my new account ( my old account has my Walgreens Mastercard attached to it ), I'd have to update my Walgreens account/rewards number on it with Synchrony. My new Walgreens account number is XXXX.
Product: Payday loan, title loan, or personal loan

Made multiple payments in a month expecting them to be principal only payments. They paid only interest in some cases and in others some of the extra principal went towards interest. They refuse to allow early principal payments.
Product: Credit reporting or other personal consumer reports

Dispute for Experian According to the Fair Credit Reporting Act FCRASection 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/21 through this website, complaint # XXXX. Today I received the following response ; We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

This makes absolutely no sense, because I am the only one who is listed on the account, I am the only one who has money going to the Umpqua bank account, and I am the only card holder to that account. The complaint I filed listed the company that Umpqua Bank apparently hired or works through to work on over drafted accounts. Along with the above referenced complaint I filed several attachments which proved the charges were fraud, because I was working in New Mexico at the time the charges were made in Texas. These attachments also referenced 2-3 other credit companies in which fraud charges were made on my accounts during the same time period. This is absolutely an unacceptable response to my original complaint.
Product: Credit reporting or other personal consumer reports

Under the provisions of Massachusetts General Laws, Chapter 93A, Section 9, I hereby make written demand for relief as outlined in that statute. 

On or about XX/XX/XXXX, the following unfair or deceptive acts occurred : - Violation of 15 U.S. Code Sec. 1629e ( 8 ) of the FDCPA - Violation of 15 U.S. Code Sec. 1692c of the FDCPA - Violation of 15 U.S. Code Sec. 1681i ( a ) ( 1 ) ( A ) of the FDCPA - Violation of 15 U.S. Code Sec. 1692e of the FDCPA - Violation of 15 U.S. Code Sec. 1692f of the FDCPA - Violation of 15 U.S. Code Sec. 1692g of the FDCPA - Violation of 15 U.S. Code Sec. 809 ( b ) of the FDCPA These unfair or deceptive acts and/or practices are declared unlawful by Section 2 of Chapter 93A. Schreiber Law , LLC was INVOLUNTARALY DISSOLVED BY COURT ORDER by the Secretary of the Commonwealth of Massachusetts, XXXX XXXX XXXX, on XX/XX/XXXX ; they are legally unable to conduct any business in the Commonwealth of Massachusetts.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 

XXXX : FIFTH THIRD BANK, XXXX. 
Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : -Creditor Name : XXXX XXXXXXXX XXXX - Account Number : XXXX -Date of Charge-off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is XXXX XXXX from the date of the first delinquency that led to the charge-off ( 15 U.S.C 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 


Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to allow my lender pull my credit for a pending mortgage, we are supposed to close in two weeks.
Product: Debt collection

Last year in XX/XX/2017 I accumulated 5 unpaid red light tickets. MCOA ( collection agency for the municipality filed to suspend my drivers license. I paid them XXXX toward my 5 unpaid tickets which were XXXX each. Left me owing XXXX + their fees. Now again this year they have submitted to the Secretary of State to suspend my drivers license, but I dont have 5 or more unpaid tickets. They are illegally applying the law here. I only owe XXXX XXXX unpaid ticket plus fees.
Product: Credit reporting or other personal consumer reports

Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefited from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that XXXX bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not verified and do not ever verify debts with the credit bureau. So, if this is XXXX case, how did the credit bureau edify that the information reporting on my file is 100 % accurate. They never did a fair investigation according to the 15U.S.C 1681. 

15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting acXXXX XXXX Account # XXXX and XXXX, XXXX, has violated my rights 15 USC 1681 Section 602 Ihave the right to privacy 15 USC 1681 Section 604 A Section C It also states a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B A creditor may not treat a payment on a credit card under an open end consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulently account reporting to my credit by XXXX XXXX XXXX. I have submitted the FTC paperwork and my CFPB complaint to all three credit reporting companies. The only company that did a proper investigation was XXXX. Which deleted this fraudulently account from my credit report. Equifax and XXXX XXXX didn't respond to my paperwork, nor did they do a proper validation. 

This account has fraudulent charges that were added to it and I have provided all of the proper documentation but the only company taking it seriously was XXXX.
Product: Other financial service

On XXXX I stopped by the branch to purchase {$2000.00} worth XXXX for my vacation trip. On Tuesday XXXX I received XXXX XXXX in exchange for USD XXXX that were debited from my savings account. This means the USDXXXX exchange rate applied was XXXX. 

However, the official USDCXXXX exchange rate on XXXX was XXXX ( according to XXXX XXXX. This means that, in absence of commissions and at a market rate, I should have received XXXX XXXX. The difference is XXXX XXXX or USD XXXX. 

The rate applied implies a 11.03 % fee for executing this transaction. This is a hidden fee, as it is not disclosed anywhere but implied in the exchange rate, and its size is absolutely abusive. The transaction itself is very simple and does not involve pretty much any costs for the bank whatsoever. 

I sent an email to the company through their customer service center to express my discontent and they told me to go to the branch. At the branch I was told that those are the exchange rates the firm approves and there was nothing they could do. 

I understand there have to be fees associated with a specific service provided, but those fees should be transparent and not hidden in a extremely unfavorable rate for the customer, who does not have an alternative way to acquire local currency.
Product: Credit reporting, credit repair services, or other personal consumer reports

EquiFax explained that " the authentication questions on the Equifax website are questions designed to be known only by you. These questions may or may not be applicable to you. Its a protective measure that is used to deter any perpetrators from trying to gain access to your Equifax Credit Report. '' This is understandable and acceptable. However, the problem still remains that if I answer " None of the above '' to all 3 questions asked, I am not able to gain access to my free Credit Report online. This is highly inconvenient and unacceptable, as being a Credit Bureau, they have more information about me than anyone else out there. Therefore, they should be able to include at least one question that actually applies to me that I can respond with an actual answer that would allow for me to be able to access my reports. I understand ( and am guessing ) that the questions are probably automatically generated by some algorithm that they are using. However, if that is the problem, then they need to fix it to make sure to include at least one question that would apply to me. 

Although they did mail me one report b ack in XX/XX/2021, I am still unable to access my credit reports online. They are the only bureau that has this issue. 

I need to be able to answer ONE RELATIVE question to access my reports. Please fix your system to provide at least one relative question or change the way access is provided.
Product: Vehicle loan or lease

Global lending service yes, I am XXXX XXXX XXXX XXXX on XXXX. I had told them that I need hardship and they didnt wan na hear that because {$700.00} a month I could not pay for that car so they put it on my credit report and thats against the law. I need hardship and I let them know about it and they didnt wan na hear that they think people dont know about these things here. I dont like nobody taking advantage of nobody so if you can help, God bless you and thank you for God.
Product: Mortgage

Because I am receiving threats even though SLS is supposed to be addressing my earlier complaint, I 'm filing this new complaint. As a result, much of the information is copy and pasted from the previous complaint. The new issue, however, is that I have, since this compaint, provided the same documents I provided with my application to SLS and they continue to state I have not sent them. I have provided proof to both SLS and CFPF, but SLS has done nothing -- instead, they have put my account in default and threatened to accelerate the debt and foreclose if I have not brought current in 33 days. This is absurd and shows a complete lack of respect for what your organization is supposed to be doing. It 's as if this company simply does n't care. Please STOP THIS!!!! 

On XXXX, XXXX, 2016, I applied for a HAMP modification from my new loan servicer, Specialized Loan Services ( " SLS '' ). I am including a copy of the email submission page as well as a copy of the completed application. On XXXX XXXX, I received a letter from SLS indicating that " [ SLS ] is in receipt of [ my ] request for assistance. I have included a copy of the letter as well. As of today, XXXX XXXX, 2016, I have yet to receive any decision or other communication from SLS concerning my request for assistance. 
This is the second complaint I 've filed against this company within the last three months. The first is related to this one as I recently received more threats despite having submitted and resubmitted all documents. I am including their most recent correspondence as well as the last document transmittal I submitted to them with all my documents they had previously requested. SLS lies about supplying personal representatives ; the person they provide does not exist and their own agents have informed me that there is no personal contact.. I applied for and was granted 3-6 months forbearance from XXXX XXXX immediately prior to their transferring service to SLS. I requested copies of my mortgage documents, but SLS provided everything but the executed forbearance agreement with XXXX. At some point, they did send me a forbearance agreement for execution, even though at that time I had never applied for any assistance from SLS. Because my XXXX forbearance was expiring and despite the fact the offer date on the SLS one had expired, I executed that forebearance agreement and sent it back to SLS, but I never recived acknowledgment about it either. In either case, both forbearance would have expired by now and I have applied for a modification. I am hopeful that this can be resolved without the need for me to redo and resubmit multiple documents. Those type of shell game practices are supposed to be prohibited now. They are engaging in the very same practices for which I have filed this complaint at the very same time they are informing you that they are resolving the issue. PLEASE STOP THIS NONSENSE NOW. THIS IS MY LIFE AND MY HOUSE THEY ARE TRYING TO STEAL!!!
Product: Credit reporting or other personal consumer reports

On my Experian Credit Report XXXX XXXX XXXX XXXXXXXX Account number XXXX shows as Closed/charged off with a past due amount of {$19000.00}. 
I paid that off on XX/XX/XXXX and received an Account Paid in Full Letter and the Lien XXXX XXXX on XX/XX/XXXX. I have disputed and submitted the appropriate documents to Experian on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they refuse to show this account as paid in full.
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. 

Account XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

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

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

I The Consumer Did Not Do Business With PROCOLLECT , INC . 
PROCOLLECT Is Violating My Rights As A Consumer. 
I Can Not Attain My God Giving Right To My Credit. 

**PLEASE SEE ATTACHMENTS**