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

I am a victim of identity theft, I have reached out to the three credit bureaus multiple times to no avail. Their negative reporting of false information is hindering my financial wellbeing and ability to provide for my family. I have been trying to prove myself and have these false items removed, I am always turned down and they are infringing on my rights as a consumer which is a violation. Per 15 usc code 1681 these companies have not done their due diligence in ensuring me a fair and accurate credit profile and I wish for that to be immediately corrected and fees for damages as this has been detrimental to my life and I have been trying to resolve it for months now with no help. I have attached a copy of my driver license with my 1 and only name.
Product: Vehicle loan or lease

I went to nissian dealership to do a trade in for a truck for my husband. We have bought 5 vehicles from this company. My issue is not with the people working at the dealership on XXXX  XXXX in XXXX Tennessee. Mr XXXX XXXX  and XXXX did a fine job. My complaint is your XXXX customer service department. They were very unprofessional and did not care about the needs of the customer. When I did call your XXXX number to find out why was I not on the pre approve contract when u sold us the vehicle you specified and said pay for 12 months and bring the vehicle back and purchase another. We paid 22 months and you still did not honor your word. That is false advertising and misleading You do not want to even to correct problem. You left a bad taste in my mouth All you want is money. You lie to people and you give false information. You do not even live up to your name. All lies. I am writing to the president of united states and to let him know how shady your company and you do not handle the complaints you already have.
Product: Credit card or prepaid card

this is my 2nd complaint as the 1st one made on XX/XX/XXXX was closed after 1 email that stated to call I called then left voicemail and they closed stated it was resolved HOW I didnt get the money they stole from me back all they did was email.. EMAIL. 

YOUR COMPLAINT I applied for unemployment in XX/XX/XXXX and my account was hacked and all my money was stolen after MONTHS of calling and after properly id me linking it to the bank of America and walking into a branch to have the employees talk to XXXX as well to confirm who I was this employee actually told me the address of where my card was shipped to, that was on XXXX XXXX I reported that day that everything prior to XXXX XXXX was a fraud on my account this totals XXXX I had to live throughout the pandemic without any income lack of representatives to answer at XXXX and bank of America. XX/XX/XXXX I went to the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX the staff at this XXXX  store told me I had mail and in order to get it I had to sign up for a box, so I did and the box name was under XXXX XXXX and XXXX XXXX and sure enough, there was my card inside his box. I reported this to edd and to bank of America filed numerous fraud reports and still nothing, I am in major debt because of this and need help refunding me my money. an edd rep told me on XX/XX/XXXX, that the issue was already sent to the bank of America to reissue the funds to me and it would take 7-10 days but nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX stated that these accounts were properly investigated and verified as accurate but this is impossible since the companies are reporting conflicting information which is supposed to derive from the same source? The high balance, Last verified, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore is reporting inaccurately. This is grounds for removal of this account from my credit file. 
Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy. That right has been violated. 
My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to XXXX, Transunion, XXXX or any other company to furnish these inaccurate accounts and therefore they must be deleted. 

The above mentioned CRA 's are furnishing and allowing other companies to furnish information on my consumer report which should not be on a credit report according to the FCRA. 15 USC {$1600.00} ( 2 ) ( a ) ( i ) says that the term " consumer report '' does not include ( A ) Subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report To clarify a " late payment '' is a transaction and high balance, high utilization, a chargeoff etc are all experiences between me the consumer and XXXX, Transnunion, XXXX etc `` the person '' making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

my address is not showing in the credit report from equifax and the credit card are denying my application
Product: Credit reporting or other personal consumer reports

Federal laws mandate the inaccurate information and late payment reporting is excluded from Consumer Files. XXXX and EXPERIAN are in violation of FCRA 1666b ( a ) by furnishing late payments on dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. These late payments are illegal and also inaccurate information due to Payment history shown of credited payments twice the months of XX/XX/XXXX & XX/XX/XXXX. Account was suspended, closed and new card issued due to theft of my backpack containing credit cards, phone and tablet on XX/XX/XXXX. XXXX XXXX Police Department item # XXXX
Product: Credit reporting or other personal consumer reports

I requested accounts to be verified and validated, report had many ND ( NO DATA ) sections, shows dates that contradicted other data. I disputed : XXXX XXXX XXXX XXXX XXXX Account : Inaccurate Balance : The balance reported is {$2800.00}, which does not match my records. Please verify the accuracy of this balance with supporting documentation from XXXX XXXX XXXX XXXX XXXX. 
Incorrect Status Update : The status was last updated in XXXX XXXX However, the payment history shows continued reporting of derogatory marks beyond this date, which is contradictory. 
Lack of Verification : As required by the FCRA, you must verify the accuracy of this informationfurnisher of the information. If the information can not be verified, it must be deleted from my credit report. 

EXPERIAN completed the dispute one day later stating all was verified and no changes were made
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXXXXXX - XXXX {$1000.00} XXXX XXXX XXXX  - XXXX {$640.00} XXXX - XXXX {$730.00} XXXX XXXX XXXXXXXX {$840.00} XXXX XXXX  - XXXX {$840.00} XXXX - XXXX XXXX {$550.00} XXXX - XXXX {$550.00} XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$640.00} XXXX - XXXX {$830.00}
Product: Debt collection

Fraudulent address and two files for debt collection were reported on my XXXX credit report. Investigation has been filed with XXXX as of XX/XX/XXXX. 

Fraudulent address as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

Fraudulent Collection 1 as follows : NATIONAL CREDIT SYSTEM, Original creditor : XXXX  XXXX XXXX, reported amount owed {$11000.00}, account # XXXX opened on XX/XX/XXXX. 

Fraudulent Collection 2 as follows : NATIONAL CREDIT SYSTEM, Original creditor : XXXX XXXX XXXX, reported amount owed {$6500.00}, account # XXXX. 

National credit system contact info : XXXX XXXX XXXX XXXX  XXXX, GA XXXX. Phone number ( XXXX ) XXXX
Product: Credit card

The beginning balance of XXXX statement ( period XX/XX/204 - XX/XX/2024 ) indicates {$260.00} and I paid {$440.00} So There are no balance subjects to Interest rate but In XXXX statement stated that it is {$2000.00} and interest charge is {$51.00}. 
Therefore, I asked to waive the interest charge. I called over 5 times. and all agents who connected with me denied removing interest charge. And they push me to trust their system without thinking.
Product: Checking or savings account

For weeks I have been trying to withdraw funds from my savings Marus account but I keep getting an error and can't withdraw funds. I called on XX/XX/2024 at XXXX and a rep answered the phone and I told her that I was having problems withdrrawing funds from my savings account and she without saying anything put me on hold and left me talking on the phone while she was typing. About 10 minutes later I get this recording saying : tell us how you rate the service you received. And that was it. Nobody handled my call and nobody cared to talk about my Marcus account. I know Goldman Sachs has been having some issues with some customer accounts in the consumer banking operations but this issue has to be fixed. GS is a great bank and of the best in the world but this type of issues will give the bank a bad reputation. I assume customers are noticing issues with this department and started withdrawing the funds and now GS has stopped customers from accessing the funds. I need to be able to access my account but keep getting the same error to try later. I have tried for weeks but my account has been frozen. Please fix the issue immediately.
Product: Vehicle loan or lease

1. Capital One granted me a loan to purchase my used XXXX  XXXX XXXX at an interest of 14.83 %. I have more than 1 year with the credit, I have made all the payments on time. 
2. I applied for a loan refinance for an interest reduction and was denied.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX Date Opened XXXX XXXX XXXX  Account Name : APLUSFCU # XXXX OPENED XXXX BALANCE {$XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$520.00} Account Name : XXXX LAW # XXXX OPENED XXXX BALANCE {$980.00} Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1600.00} Unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Lending Point keeps charging me automated payments that I did not agree to. They keep charging me on the wrong day and this month they are trying to charge more than once. My payment date is the XXXX of every month but last month they charged me {$260.00} on XX/XX/XXXX when I called and explained that they are charging me on the wrong day they took more than a week to reverse it and there solution was to offer me a " temporary relief '' payment plan where I only pay {$26.00} on the XXXX of each month for two periodic periods which means that the next full payment should be XX/XX/XXXX but they sent an email saying that the temporary period is ending. They are taking advantage of me and will only accept automated payments which means that if they charge someone on the wrong date and put them in the negative then offer them a " temporary relief '' payment plan it wraps the two payments to the end of the loan prolonging the loan and is a tactic to increase the interest rate. This is predatory lending. Lending Point put me in the negative last month and I was not able to pay my other bills or even afford food for me and my family. Please review the documents I provided for proof of predatory lending. This is a violation of my rights as a customer with TILA and the federal transactions act.
Product: Debt collection

This company has repeatedly called me from multiple numbers after I 've blocked them every time and have told them not to contact me anymore. They say they are attempting to collect a debt. I told them I did not have an account with them and I have n't signed any contracts with them. I told them that they have been harassing me and I had asked him to stop calling. When I asked to speak to a manager they would not let me speak to The manager so I can be their call list. This has been going on for over a year and I have multiple numbers on my block list from Family trying to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to Experian stating that my HIPPA rights had been violated. I asked for debt validation letters from XXXX XXXX. What they sent, astounded me. There were medical procedure codes and diagnosis listed in the verification without any type of signed HIPPA release for. This is a blatant violation. I asked them to investigate the matter. They never even responded to me. Attached, you will find the letter and supporting documents I submitted to them. I also attached a copy of the certified mail tracking number. If this matter is not resolved I intend on filing suit.
Product: Credit card or prepaid card

This complaint is a follow-up to # XXXX. Amex 's Underwriter demanded earning income from my wife and I, and stated that he would close my account if I did not comply. I clearly stated that my wife and I file incomes together and she is not on my account. I also provided CFPB complaint documentation on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX was investigated by the FBI and found to have forged my signature and documents. These two companies have harmed my credit and I am seeking damages. I have retained the services of an attorney but my credit has been destroyed. XXXX XXXX XXXX filed false credit information which has affected my credit. Amex did submit a letter dated XXXX XXXX, 2017 which I had never seen nor had knowledge of. Based the actions of Amex I was coerced into canceling my Gold Card of 15 years. I had never missed a payment nor had I been late.
Product: Student loan

EdFinancial is giving inconsistent information regarding refunds for federal student loan payments made during the pandemic. They are quoting 150+ days to get a refund for those payments. I understand that they are overwhelmed with requests, but so is every other federal loan servicer. Other loan servicers, such as XXXX, are only quoting up to 90 days to get a refund. EdFinancial also refuses to tell me at what point my balance will be reinstated even though I have called multiple times asking. I even asked at what point it would be reinstated if it was not such a busy time for them, and the rep refused to tell me. Since each lender is getting an influx of requests for refunds, they should all have similar wait times. EdFinancial 's wait time is twice as long as any other lender and they refuse to send any confirmation emails or answer general questions about how these processes usually go. This is unacceptable as many borrowers diligently made payments during the pandemic and need their balance reinstated before their loan balances are forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Account Appearing On Credit Report. 1. XXXX XXXX XXXX  {$4600.00}
Product: Credit card

I have been using Citi credit cards for over 8 years and maintained a great credit status, i.e., no late payment and every monthly statement paid in full. This XXXX, Citi suddenly closed all of my credit cards account without an explanation and refused to issue me the cash backs and mileage points that I earned before closure. And even worse, Citi billed me an annual fee for the AT & T card the month it closed my account and refused to refund me on that annual fee, which was pre-charged for year 2017 and when Citi failed to provide further credit card service. 
Citi failed to provide a reason on why my accounts were closed, and responded arrogantly when inquired, twice. Citi failed to realize the fact their customer service encouraged me making more utilization of Citi cards over other credit cards like XXXX or XXXX ( before closure ) is the reason I shifted my major spending to Citi cards. Also Citi failed to see my opportunity cost of using Citi cards against other cards and refused to issue my EARNED mileage points and cash back, i.e., I could have been using XXXX cards and accumulating XXXX membership points. 
My request from Citi is following : 1. Refund the prepaid annual fee of AT & T in full as Citi no longer be able to provide service on this card and ; 2. Issue the Thank You points and cash back that I EARNED. 
3. Explain why my accounts had been closed when I had no late payment or a statement not paid in full since the beginning of my credit history.
Product: Mortgage

On XX/XX/XXXX I purchased my first property located in XXXX, New Jersey. This is a 4-unit residential property, with 2 bedrooms in each apartment. The mortgage company is Gateway Mortgage and my account/loan number is XXXX. The purchase price of the property was {$360000.00} plus {$25000.00} for renovations as this loan is an FHA 203k Loan. The total loan amount at closing was {$380000.00}. My monthly mortgage payments are {$3200.00}. The payments started in XX/XX/XXXX and I began to make the payments without any rental income. I anticipated between {$1200.00} to {$1500.00} per unit from three ( 3 ) units and I intended to reside in the fourth unit. 
Since XX/XX/XXXX no renovations have been done on the property. I began making payments in XX/XX/XXXX and made my last payment XX/XX/XXXX. I exhausted approximately {$15000.00} from my savings account to maintain the payments. As of now, my loan account is delinquent and I am facing foreclosure. No renovations have been done because the real and actual cost of the renovations to make the property livable is approximately {$60000.00} to {$100000.00} and not {$25000.00} which was allotted by the mortgage company. I have thus far received estimates from six different contractors who all thoroughly walked through the property and provided an evaluation. They all stated that the property needs, at minimum, {$70000.00} in renovations. 
My complaint is that Gateway Mortgage and the Realtor and the General contractor committed multiple counts of mortgage fraud and violated HUD/FHA guidelines. 
1. The contractor never conducted an actual walk-through prior to closing which was sanctioned by Mr.XXXX. On the contrary, Gateway Mortgage closed on this loan stating that the contractor conducted a walk-through. He only saw the property once, with me, after closing. It was then that he stated that {$25000.00} was not enough to cover the renovations. Gateway Mortgage fraudulently processed my 203k loan because they claimed that this write up was conducted by a contractor and it was not. 
2. I was told by my realtor that a Certified HUD Consultant was required to view the property and submit a separate write up for renovations. After I submitted the HUD Consultant write-up to Gateway ( before closing ), I was told by the loan processor that the HUD Consultants write up was not necessary. I only recently learned that if the renovations do not exceed {$30000.00}, that a HUD Consultant is not needed. Again, the Realtor and Gateway Mortgage violated FHA 203k loan guidelines by purposely keeping the cost of renovations under {$30000.00} to avoid a HUD Consultants involvement and oversight. Gateway Mortgage pushed this loan through in order to maximize that selling price and to minimize that cost of renovations in the paperwork and closing documents.
Product: Checking or savings account

I have a open claim with Wells Fargo for {$330.00}. Normally I would trust their process, and I have been, but the claim has been open for 2 YEARS. I submitted this claim on XX/XX/year>, Claim # XXXX. I can still view the ticket on my end if I check my account on XXXX  ... and I can see it hasn't been updated since then : ( Also I have tried calling them to no avail both Wells Fargo and XXXX. I have XXXX  so my XXXX  is terrible but those 3 transactions on that claim were NEVER authorized by me. My card / card info was compromised at that time and I provided them with that information too alongside some other pieces of information I'm sure ( doesn't let me see what I sent originally 2 years ago ). I just would like them to update the claim and reverse the charges. I was going through my email to find additional relevant information at the time. The wells fargo app and website itself shows that is hasn't been updated, but yet they sent me various emails claiming they were " looking it over ''. I also got an email about potentially receiving a temp credit ( 2 years ago ) AND NEVER RECEIVED IT DESPITE THE EMAIL GOING THROUGH (???? ) : ( ( ( ( ( Times are getting difficult and to be completely honest I almost gave up until a friend suggested this : )! I just want to be able to get by, everything is so expensive, would love if they could make this right as I've been waiting for 2 years :/
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a letter on XX/XX/XXXX that they received XX/XX/XXXX. I asked them to verify some accounts or remove them immediately. In this letter I sent them a photo copy of my driver license, social security card and a copy of my XXXX ( utility bill ). They responded with a letter on XX/XX/XXXX saying they couldn't locate a credit file in their database with the identification information I provided. They asked that I send them a copy of my driver license and social security card, which was in the letter. I'm totally confused to if they even read the letter. They had 30 days the verify the inaccuracies or remove the items.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had sent a dispute letter to all three credit bureaus regarding an account that i did not recognize. after 30 days, i re-imported my credit report into my software and noticed that Equifax and XXXX both re-imported this account, however, they changed the name as it appeared and submitted as a new account. How is this possible and is it even legal?? how can you delete something and then resubmit it as a new account??