23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was enrolled in the XXXX/XXXX  classes..I was lead to believe this was a  federal loan but never the less, I completed 3 classes and then my sister was diagnosed with a rare type of XXXX. I canceled everything and moved home to NC to help her with her XXXX children and she passed away 6  months later. I finally got enrolled in school again this year with XXXX University only to be told after I completed my first classes that XXXX  University wont release my transcripts and Im on unconditional hold until the problem is resolved.. XXXX   University has been impossible to get any information out of.. I did finally find that my original loan with them was through XXXX XXXX who informed me that they dont handle those loans anymore.. Theyre trying to say I owe almost a XXXX dollar debt to them.. I dont really know what or whom Im supposed to do so that I can get on with my education so I can support my family
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : 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
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security XXXX : XXXX, Consumer Date of Birth : 04.19.1996 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , XXXX agency XXXX Experian agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

i received a letter from " CitiBank XXXX XXXX '' regarding suspicious activity on XX/XX/XXXX, XXXX on XX/XX/XXXX, fraudulent activity began with a charge of {$2400.00} for a " luxury owner assoc. XXXX ''. another charge of {$3400.00} was made to the same company on XX/XX/XXXX. A telephone payment was made on XX/XX/XXXX, taking {$3300.00} from my bank account to pay it. then, on XX/XX/XXXX, another pay by phone payment was made with my bank account in the amount of {$3500.00}. On XX/XX/XXXX, I made a payment by check for the previous month ( XXXX bill of {$820.00}. ) From XX/XX/XXXX to XX/XX/XXXX, " foreign purchase transaction fees '', various transactions in XXXX and XXXX, and returned check charges were added DAILY, sometimes several a day, from amounts of $ XXXX {$120.00}. There was another payment taken from my bank account on XX/XX/XXXX, in the amount of {$2400.00}, putting my account in the negative and being issued insufficient funds fees of {$30.00} from my bank. ( which led other transactions for other bills to also receive {$30.00} isf fees thereafter. ) The total fraud charged to my card was {$10000.00}. 
i immediately called them and filed a complaint, which, i was informed in a letter on XX/XX/XXXX, was " determined that you ( I ) are responsible for the charges ''. I contacted them again to file the complaint again, and received a letter XX/XX/XXXX stating that they again completed their investigation and again determined that im responsible for the charges. they will not budge or give any explanation as to how they determined the charges are my fault. I have never been to XXXX, XXXX, or ever paid by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE 3 COLLECTIONS WERE REINSERTED ON MY CREDIT. I WAS NOT NOTIFIED WITHIN 5 DAYS FROM THE CREDIT REPORTING AGENCY, THEREFORE, WE ARE IN IN LITIGATIONS. ( 1 ) XXXX XXXX Reported : XXXX. XXXX, 2023 {$230.00} ( 2 ). XXXX XXXX XXXX {$26000.00} ( 3 ). XXXX XXXX XXXX {$8800.00}
Product: Mortgage

My husband and I were told by our CPA to go with Quicken Loans to refinance our home to get a lower interest rate. My husband is XXXX and working as a full time XXXX, I am an XXXX and in my XXXX. We both have near perfect credit scores. Starting back in XXXX, we agreed on a fixed interest rate with Quicken. Since XXXX up to the present date, Quicken required us to provide an ongoing stream of documentation to prove our credit worthiness ( despite our having a joint income of {$500000.00} annually ). Some of the documents they asked for went back as far as 30 years. The list never stopped, and sometimes they asked for duplicate documents. We provided all documents, but even after providing more and more documents, they would raise the bar, and ask for more documents. Then, this past week, they told my husband that we would have to negotiate another fixed interest rate, and more documents would be needed! I notified Quicken that we will no longer deal with them. I also feel enraged. It is my belief that this is how Quicken discriminates against individuals, who they decide that they do not want to loan money to. They keep a battery of employees that continually ask for more and more documents ( presumably hoping that either the individual ca n't produce the documents, or that they will find something to justify not extending a loan ). I might also add, that their advertisements mislead people into thinking that their loans will be relatively easy and without a lot of paperwork - quite the contrary. I believe that my husband and I were discriminated based upon our ages. I can not express the anger I feel towards Quicken. I had misgivings in the beginning, but we relied on our CPA. It is a junk company and I belief rife with insincerity about its loans.
Product: Debt collection

This company is currently violating my consumer rights in regards to my XXXX account, account number XXXX. They are using false and misleading representations and deceptive means to report unvalidated information on my credit report. I have not been provided with an opportunity to dispute this account and have never received a dunning letter as required by law, yet this collection is showing on my credit file. Because of this I am disputing this account and demanding the following : USPS Certified Mail Tracking Number, proving that the required dunning letter was sent and received by me and that I had the opportunity to dispute the alleged debt pursuant to federal law. 

A full validation of this alleged debt and proof that you are a bonded debt collection company licensed to do business in Virginia. 

The purchase agreement/contract/assignment between you and the original creditor showing all terms and conditions relevant to the arrangement. 

I am also hereby revoking any and all rights that may exist to contact me by email, texts, or calls. If this can not be done please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a charge back for the amount of {$300.00} from XXXX XXXX XXXX. I never gotten any letter or phone call from you guys. it just seem like you guys went and charge me for no reason, not sure what deal is but this is wrong. I called you guys about this. I just hope that this was a mistake from your end. I'm currently going through a lot. I recently lost my daughter, I don't need anymore stress on my shoulder.
Product: Credit card

I HAVE A HARD INQUIRE ON MY CREDIT REPORT THAT I DIDNT MAKE AND THEY SHOULD HAVE BEEN REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I previously filed a complaint with the XXXX ( see attached ). On XXXX.XX/XX/2019, I received a response from each of the Credit Reporting bureaus indicating that they had verified the Public Record, however they did not verify the record with the source of the Public Record. Rather, they indicated that they verified the record using a, unrelated 3rd party, such as XXXX. 

I find this impossible, as I have previously provided them a letter from XXXX indicating that this Public Record had been removed from their file more than a year ago. 

On XX/XX/2019 I sent the a Certified Letter ( See Attached ) to each reporting agency providing complete detail that I do not believe their method for verification complies with FCRA 611 ( a ) ( 6 ) ( B ( iii ). Included in this letter is a duplicate copy of the letter from XXXX confirming that no such record exists in their files. 

I further requested that they actually verify the Public Record with the USBK COURT XXXX FLORIDA as that who they claim to be reporting the record. As provided in FCRA 611 ( a ) ( 6 ) ( B ( iii ), I asked them to provide : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

If they are unable to verify this record DIRECTLY with the Creditor they claim as the reporting party, I demand that they immediately removed this record from my file. If they again claim to have verified the public record, I insist that it not be with any unrelated 3rd parties and that they provide the details of the verification as described above
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Vehicle loan or lease

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( west lake financial ) I made payments on this account, its shown on financial company that it was a charge back. I provided statements from my bank that it wasnt a charge back and it was sent to west lake financial. I sent them my documents XX/XX/XXXX. And they still havent contacted me back.i even contact the ceo. Spoke to him as well and he havent even contact me back. Also ever since I purchased my car, I had to get it repaired up to today XX/XX/XXXX. I dont have a check engine light at all and my car is making noise. I have a lemon car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the 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 item 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 XXXXXXXX, TX XXXX; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; CHILD SUPPORT ENF AG/N XXXX Balance XXXX {$4900.00} ; 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

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I graduated from XXXX XXXX XXXX in XXXX. I immediately received info about federal loans from XXXX XXXX. It was about XXXX and I paid those off while I was in graduate school which was from XXXX. This past month I found out I had outstanding student debt from XXXX when it suddenly appeared on my credit report ( and dropped my credit score ) and my husband ( who has no connection to my student loans ) was contacted by a debt collector. From the debt collector, I found out my XXXX XXXX  ( about {$1700.00} ) were serviced by a company called ECSI. My major problem is they never contacted me. I had never heard from them about my loans so I didnt even know these loans existed until now. They are adding on a debt collector fee and my credit score dropped significantly. If I had known these loans existed, I would have paid them off years ago. I can not get any help from ECSI, they basically just said its my responsibility. I understand that, but they have a responsibility to make sure I know that Im even in debt! These were never shown on my credit report until now.
Product: Checking or savings account

I disputed a number of foreign transactions a few weeks ago but no action was taken. On XX/XX/2022, I received a provisional credit of {$160.00}, this was reversed the same day without any explanation
Product: Money transfer, virtual currency, or money service

Under the pretense of offering watches, jewelry, and other items, this seller has failed to fulfill orders, leaving me in a predicament after I made a payment of {$220.00} for a watch. Despite more than a week passing since the transaction, the seller has been unable to fulfill the order. Instead of refunding the purchase, they resorted to deception by sending a false product in the maila mere piece of paper. This constitutes a blatant attempt to avoid returning the funds for the unfulfilled order, amounting to clear fraudulent behavior. PayPal is has made no attempts to get my funds back. I have filed complaints and sent pictures, etc. and they continue to drag it out rather than punishing this behavior as they should.
Product: Credit card

They are claiming that I called in late I never called they have no record of me calling and that I was late on my payment and there's a free phone system now you call in the phone system is completely different after my last complaint and now you can't talk to an agent at all no accountability with this company on top of that late interest payments are supposed to be around {$8.00} they charge me XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hi, LVNV Funding LLS needs to take this off my credit report. My medical bills are covered under a XXXX XXXX  XXXX. I got 100 % coverage and they are refusing to remove it. With that being said, that bill was paid and it should have never been reported to the cred reporting agency 's in the first place. I was granted full coverage from XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I went to which I thought was XXXX to place a bid on an item to find out after speaking to XXXX it was not part of their website although it looked identical. I bid {$3000.00} for an item and the bid was accepted and the form of payment was a bank wire in which I sent. After speaking to XXXX they have no record of the transaction and I was scammed into thinking I was dealing with XXXX since I rarely use their site. Once the bid was accepted via an email I received from XXXX ' with the name of the individual of XXXX ' began the communication of payment. I wired the money out through my XXXX brokerage account and when I asked XXXX to see if they can reverse the wire they were not able to and was sent to JPMorgan and all the details of where it was sent is below In addition an individual named XXXX with an email address of XXXX was the contact individual that I thought was accommodating this transaction and have all the emails between us if needed for additional information Transaction Type : XXXX If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/2022 Was the money sent? Yes Victim Bank Name : XXXX - Brokerage Account Victim Bank Address : Victim Bank Address ( continued ) : XXXX Bank XXXX Stop : Victim Bank City : Victim Bank Country : United States of America XXXX Bank XXXX XXXX Virginia Victim Bank XXXX XXXX : Victim Name on Account XXXX XXXX  Victim Account Number : XXXX Recipient Bank Name : JPMORGAN CHASE Recipient Bank Address : XXXX XXXX XXXX XXXX Recipient Bank Address ( continued ) : Recipient Bank Suite/Mail Stop : Recipient Bank City : XXXX Recipient Bank Country : United States of America XXXX Bank XXXX : Florida Recipient Bank XXXX XXXX XXXX XXXX Recipient Name on Account : XXXX XXXX XXXX XXXX Recipient Bank Routing Number : XXXX XXXX Account XXXX XXXX XXXX
Product: Consumer Loan

I have had continual issues with a company called Lending Club Corporation. They are located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX. They had sent me an email stating I was denied credit on XXXX/XXXX/15. I received that notification on XXXX/XXXX/15. I looked up this company to see if they were legitimate, XXXX stated they were and supposedly they have a A plus rating with the XXXX. However when I wrote to them to tell them that I did n't apply for any loan they stated that if I felt like I was a victim of fraud then I needed to file with the FTC which I did, file a police report which I did and do an affidavit so they could share only with the police dept. When speaking with the attorney generals office, they said they can understand not speaking to me, but their stalling tactics with speaking with the police department raise a red flag. They were mailed an affidavit with all the info they required including my license and a utility bill. The were faxed the affidavit which they supposedly ca n't find and they were emailed the affidavit where I forwarded it from what the police dept sent me to their consumer advocacy group that required it. They continually get my affidavit yet they claim they do n't see it yet they did get the officers police report as they called him to tell him they ca n't discuss anything until they get the affidavit. I 've sent it 3 times to the address above attention fraud dept. they have it via email. All they do is stall and play games saying they do n't have it when there 's proof they do. They seemingly do n't want to speak to the officer either by using these stalling tactics. If they 're Legitimate and are n't phishing for info themselves then why are n't they sharing who applied for a loan in my name? Need help getting them to talk to the XXXX mass police officer that did the fraud report up. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ XXXX XXXX XXXX bought my mortgage. I was given a letter saying the auto-payment was set-up before payment was due in XXXX and the letter not making any significant notice of when the auto-pay would start rather hiding it in the body. It was also approved right before a payment was due and through a lengthy process of sending letters back and forth. The payment was never taken and I was given a letter of notice saying I was late. Upon receiving the letter I called and was apologized to, they removed the late fee and had the difference be taken by the next auto-pay cycle. I was promised it wouldn't show up on my credit report and that the auto-pay system will pick up the following month rather than XX/XX/XXXX. Which makes me wonder why in the first place it was scheduled so far off. A few months pass and it shows up, I called back and a woman told me it had to go on the report as it was a missing payment. She said she would not remove it and she didn't know who I spoke with but he was incorrect. I ended up getting a law firm to combat these with the credit bureaus and all but XXXX has removed the item. I am now in the process of buying a home and because of this item not being removed I am at risk of losing out on a home.