23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Product: Student loan

When I attended XXXX University, their staff encouraged me to get a co-signer on my student loans. They told me that I just had to make consistent payments for 1-2 years, and prove I could make the payments with employment, and I could get my co-signer removed from my loans. In talking with Sallie Mae customer service years back, I was informed of the same information.

Over the last couple of years, I've made multiple attempts to get my co-signer removed from 4 of my loans, yet I consistently get denied.

I've made at minimum 2 consecutive years of paying over and above the principal and interest on all 5 of my loans as well as I always pay in advance.

In reviewing my account online, all 5 of my loan accounts are up to date, and have been consistently up to date since XXXX. 

This month I applied yet again, I submitted proof of income by sending my XXXX income tax return. I've been employed with my current employer for over 4 years. My income was over XXXX for XXXX. I've submitted proof of my degrees to Navient multiple times. 

Yet they again denied me. 

Please know that in XX/XX/XXXX when I began making payments my total balance was {$140000.00}. Today my balance is {$99000.00}. This is a reduction of {$44000.00}. I am someone who takes this seriously and my payment history with Navient proves it. 

In addition, I have paid {$19000.00} in interest in XXXX alone.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had four late payments on my XXXX account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I disputed an erroneous account that I found on my credit file with all 3 credit bureaus - XXXX, XXXX  and XXXX. After the investigation, all 3 of the bureaus deleted the item. On XX/XX/2020 - I discovered that the negative item had been reinserted into my file by XXXX. 
Problem - I wasn't notified within the 5 day notification period that is required or anytime thereafter. I had to contact XXXX and file another dispute and then they refused to delete the item again. I submitted information to all three credit bureaus stating that the account was erroneous and the company Midland Funding LLC is an unscrupulous company that physically ( in-person ) intimidates people and tries to defraud them through the court system. I have never done business with Midland Funding LLC and have never received any correspondence from them until a man tresspased into my Apartment building pretending to be a postal delivery representative from XXXX XXXX. He waived what he told me was unpaid bills and a court citation in my face asking if I knew anything about it. After the man realized that I was scared & visibly shaken by him showing up at my home ; he stated to me that he doesn't like that Midland Funding makes him do that to people. He told me that Midland changes the names and dollar amounts on accounts that they purchase for pennies on the dollar and immediately files a complaint in court hoping the defendants won't respond so they can garnish their wages. Midland violated Texas Fair Debt collection practices act 392.302 HARASSMENT ; ABUSE and 392.304 ( 3 ) ( 4 ) ( 5a ) FRAUDULENT, DECEPTIVE, OR MISLEADING REPRESENTATIONS.
Product: Mortgage

This is an amendment to compliant # XXXX. Additional information attached and documents I've provided to Wells Fargo as they requested.
Product: Credit reporting or other personal consumer reports

Someone filed for credit cards in my name and I found out when I went to make a truck purchase and was declined
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts in many times on my report but my dispute has been ignored. I am requesting that you look into this matter and update the information as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1900.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX Balance : {$5200.00}, XXXX XXXX Balance : {$3500.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX Balance : {$650.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Bank account or service

Discover Bank charged me {$30.00} to send an outgoing wire, only to reverse the transfer 8 days later, {$42.00} less and no good explanation. 

On XX/XX/<YYYY>XXXX/2017, I initiated an outgoing wire in the amount of {$120000.00} from my Discover Bank account to a XXXX bank account. Discover bank deducted from my Savings account {$120000.00}, plus a {$30.00} transfer fee, and mailed me a confirmation, indicating that fund would be received on XX/XX/2017. 

On XX/XX/2017, Discover Bank returned {$120000.00} " Reverse Outgoing Wire '' to my account. I got a missed call from them, but they did n't leave a message. 

From XX/XX/2017 and XX/XX/2017, I have been in contact with Discover bank 's outgoing wire department through secure messages and phone calls. I learned that the reason for the returned wire was " no conversion instruction ''. I disputed that no such info was required, and it was clear on the wire instruction form that fund sent to an foreign account would be converted to local currency. I demanded an investigation and to receive a written response, and to be refunded the {$72.00} that I lost. 

As of XX/XX/2017, I received no response. The " secure messages '' I sent and received on Discover bank 's website have disappeared as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XX/XX/XXXX, XXXXCalled Curo Management Credit Report Team about a duplicate inquiry on XXXX  credit file ( XX/XX/XXXX ). I was told the duplicate entry would be erased from XXXX  credit file. However, it remains on there as of today, XX/XX/XXXX. 
2. XXXX, XXXX  and XXXX  all have differentiating, inaccurate information being reported on my credit files in regards to the XXXX XXXX account. I also sent letters of verification to XXXX for verification and have yet to receive a response. 
3. No response from XXXX XXXX, after letter of verification sent. 
4. XXXX  reporting inaccurate personal information ( multiple addresses ). I called in XXXX to have the inaccuracies deleted, and was told by the rep that they would be deleted. 
5. XXXX reporting Incorrect personal information : Middle names are incorrectly listed as one name ( XXXX XXXX ), when its actually two names ( XXXX  XXXX ). I called the consumer hotline to correct issue and spoke with a representative who reassured me that it would be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

Finished out lease was informed that I owed a certain amount lower than whats being ask for now a collection company that I had no dealing with or signed contract is contacting me
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX i have been violated of my consumer rights XXXX, XXXX, and Equifax are reporting a ( Bankruptcy XXXX XXXX XXXX on my credit report that need to be deleted and removed they are breaking the consumer law pursuant 15 U.S, CODE 1681b- Permissible purpose of consumer report i never gave them permission to report a bankruptcy and i reached out to the Bankruptcy court and they stated in the attached letter that they are not a reporting agency company that furnisher nor verify information to the 3 reporting agency XXXX, XXXX and Equifax also pursuant to 15 U.S. Code 1681c-2 block of information from credit report i have my attached FTC paper and im giving a statement that the information is not relating to me the credit reporting agency can't verify this is my public record nor did i give them written consent. i will like for the CFPB to resolve this problem before i take legal action with the civil court this public record is hurting my credit report and stopping me from obtaining good credit
Product: Vehicle loan or lease

There were a breaching contract do to dealers fraud : one they did not disclose my right to resend to. They charge me a down payment for the vehicle three they made me pay out-of-pocket for insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

after claiming i never sent in my original dispute i sent it again certified so it wasn't no excuses that my disputes wasn't received my investigation took longer than 30 days and i believe not even properly verified i have collections put back on my report after being deleted without any notification that they would be and collections that where not mines that i sent dispute latter back XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last two years I have disputed the validity of student loans and a car loan that was placed on my credit report fraudulently. The credit bureaus respond to my dispute stating the debt has been validated, but according to 15 USC 1681 ( a ) ( e ) upon investigation i the consumer along with my family, associates, and neighbors have to be interviewed and this interview never took place so how can the debt be verified. Also according to 15USC 1602 I am an administered agent my social security card belongs to the social security administration therefore I do not own the social security number nor any debt attached to it. According to 15USC 1681 ( b ) ( a ) ( 2 ) the credit bureaus need my written consent which I NEVER gave them to furnish a consumer report. According to 15 USC 1692 ( g ) the 5 requirements for validation were never fulfilled. These are numerous violations of the law being made by these bureaus that is impacting my quality of life egregiously.
Product: Credit reporting or other personal consumer reports

Date of inquiry:XXXX Delete!! 


Unathorized inquiry XXXX Date of inquiryXXXX Delete!! 


Unathorized inquiry. 
XXXX  Date of inquiryXXXX Delete!! 


Unathorized inquiry XXXX XXXXXXXX XXXX  Date of inquiryXXXX Delete!! 


Unathorized inquiry XXXXXXXX XXXX XXXX Date of inquiry:XXXX Unathorized inquiry XXXXXXXX XXXX Date of inquiry:XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of inquiry:XXXX Delete!! 


Unathorized inquiry XXXX Date of inquiry:XXXX Delete!! 


Unathorized inquiry XXXXXXXX XXXX XXXX Date of inquiryXXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX Date of inquiryXXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of inquiry:XXXX Delete!! 


Unathorized inquiry XXXX Date of inquiry:XXXX Delete!! 


i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX # XXXX XXXX, XXXXXXXX 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 XXXXXXXX UNDER 15 USC 1666b THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX XXXX Account XXXX please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late paymententry is a violation.I have been incorrectly XXXX Account Number:XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXXXXXX Account Number:XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXXXXXX Account XXXX Please update the status of this account of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account Number:XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account Number:XXXX Please update the status of this account to " paid on time '' This account needs to be validated. 
XXXX Account Number:XXXX
Product: Bank account or service

On XXXX I spoke with a supervisor with Paypal by the name of XXXX and during this Call XXXX set the expectations that funds would be released to myself to assist in shipping cost as the buyer at the time of purchase is made aware of the cost of shipping and upon the completion of the transaction they agree to the payment to include the cost of shipping. Paypal upon completion of the transaction thus holds the funds as well as the shipping cost at that time they blame XXXX due to their policy under the funds availability program. Nowhere in their terms and conditions does it mention the funds availability policy the closest terminology they reference is " Holds '' under the table of contents, upon reading the user agreement it states " To protect XXXX from risk of liability for your actions as a seller, XXXX has at times recommended, and XXXX continue to recommend, that PayPal restrict access to funds in a seller 's PayPal account based on certain factors, including, but not limited to, selling history, seller performance, returns, riskiness of the listing category, transaction value, or the filing of an XXXX Money Back Guarantee case. This may result in PayPal restricting funds in your PayPal account. '' When calling back I spoke with a very rude XXXX in settings, security and payments by the name of XXXX whom was very aggressive and stated the other supervisor should have never made the request or commitment due issues related to the funds availability program. He early on in the conversation stated that XXXX placed the hold but during our conversation I kept referencing the statement in XXXX user agreement that they dod not have control of the account but can merely make suggestions to Paypal to release funds or not. Multiple commitments over the course of the past couple of weeks have been made and not followed through and when I call into their c/s team and make my way through all the reps and to management ; they take a very aggressive stance and always state the other representative should not have set those expectations.
Product: Checking or savings account

XX/XX/XXXX - I contacted Citi Bank as I could not locate any local branches or ATMs to deposit a check. As I am a NEW customer, the mobile app only allows you deposit up to {$2000.00}. The check was for a bit over {$2300.00}. Upon connecting to an agent, I was informed of several ATMs that accepted deposits. I made it clear that I had already went to one which the app specified but it was a XXXX ATM with no functionality to deposit funds. The agent advised me of several locations that should be able to assist. I went to three of them that night, all were generic ATMs. 

XX/XX/XXXX - I drive to the remaining locations provided only to realize that none of these are acceptable for deposit. I then research and found out that there are no local branches/ATMs in the city of XXXX. I call customer service to advise them of this, to which they finally confirm that if I want to deposit funds, I have to mail a check. ( This was after attempting to giving me more locations to try ). As I had spend the last two days driving to these addresses to no avail, I inquired why I would have to spend money out of pocket to get a check overnighted to cover expenses quickly. I then asked if I could have a one time courtesy to have the deposit limit removed due to no branches/ATMs anywhere in XXXX. I was told that wasnt an option. I asked to speak with a supervisor. I spoke to XXXX who blatantly hung up on me simply because I asked to speak with someone higher than her. I called back and escalated the call again and reached XXXX who I again asked for someone higher. In her exact words THERE IS NO ONE I COULD TALK TO, AND NOBODY AVAILABLE UNTIL AT LEAST THURSDAY. She even promised me that no one in the history of your company has EVER had their deposit limitation lifted. Now this is a very bold statement, as it would be impossible to know this, and goes against fair servicing. If youve done it for any customer for any reason, then the offer should be extended to me. Again I requested her supervisor, and she stated they have no oversight. This is absolutely ridiculous considering it would be impossible to have a staff on hand with no clear path of escalation. Ive worked in several call centers and upon request by customer, the agent is required to pass the call ESPECIALLY when the customer is mentioning filing a complaint with CFPB, XXXX, and making an executive complaint. I even advised that I was recording the call to which the agent stated again shed disconnect if I continued to request her direct leader. As I well know, unless I am using profanity, simply wanting to talk to someone in upper management is not a reason to disconnect from any customer. 

Is this how Citi treats new customers????? You have the knowledge to understand that branches are not available in the city of XXXX, but not have a contingency for customers with emergencies and in need of funds?????? I am holding true on my promise. This note will reach all 3 complaint routes, and I will surely discontinue to my business with Citi as your company CLEARLY does not value customers and has little understanding of your limitations in certain major cities.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 XXXXXX/XX/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 federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XX/XX/2019 Charge Off XXXXXXXX XXXX XXXX {$650.00} XX/XX/2019 Charge Off has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a Venezuelan refugee. 
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 reporting agency if 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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 reporting or other personal consumer reports

late payment XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late payment XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX late payment XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX not my account NOT my account opened fraudulent XXXXXXXX XXXX XXXX Not my account opened fraudulent XXXX XXXX XXXX  Not my account opened fradulent