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

I am resending this to XXXX as they asked me to refile it with my information and email on file through there sister company.My name is XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/68 and my email on file is XXXX, I purchased a vehicle through XXXX and a hour after purchasing it all the lights came upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very Ill and was and still am in the hospital.My sister reached out to XXXX and XXXX and was ignored.The date had been extended to XX/XX/XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX, the ceo, the vp and several other executives..XXXX XXXX is owned by XXXX and I reached out to them also, the ceo at XXXX ( XXXX XXXX and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that XXXX, XXXX XXXX XXXX XXXX  have committed.. I also have another contract with different dates, updated and emails and calls between XXXX XXXX and myself
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a debit that is the result of identity theft/fraud. XXXX had an identity fraud breach and I was the result of identity theft from this breach. This account is in litigation with my attorney for the breach that took place. This should not be reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint number XXXX to remove and block these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX 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
Product: Checking or savings account

I went to withdraw money my friend deposited into my account on Saturday XX/XX/2022 after the bank said the funds were available. I went to the Chase Bank on XXXX XXXX XXXX XXXX XXXX, NY XXXX because it was a large amount for ATM. The cashier refused to give me my money because it was still " pending '', and stated to wait till XXXX to come to get the funds. I called the bank to ask about what just happened. I was told again the funds are available for withdrawal as long as I come with proof of identification which I did the first time. I went back there on Monday and they still refused to give me my money. I had to start going back and forth with the cashier in front of people which was embarrassing for me. They eventually gave me the money. I tried to talk to the manager about what happened and all she told me was " It's not her workers, it's the bank, they are following what the bank wants ''. I was treated unfairly, they made me feel like a thief for trying to withdraw my money. I hate to go there but I feel like I was being discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT. PLEASE SEND AN UPDATED COPY OF MY CREDIT REPORT.
Product: Credit reporting 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 Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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: Mortgage

Mortgage company=seterus inc XXXX XXXX XXXX XXXX, CT XXXX Loan # XXXX Try to refinance in 2017 and was denied I was struggling with payments and it was an FHA loan and they did not want to hear me and I was not able to get anything resolved through seterus inc
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to apply for a mortgage and I noticed some inaccurate items on my credit reports. Not only were they inaccurate but they were also unauthorized. My data has been involved in various data breaches, XXXX to name one, and someone was successful at opening up accounts in my name but were unauthorized. I also tried settling this with the credit bureaus 30 days ago and I haven't heard anything back from them yet and I know they have to respond in 30 days. my reputation with the banking system because of the inaccurate items being furnished on my reports. I need this fixed immediately
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Fraudulent Account - XXXX XXXX XXXX XXXX Dear TransUnion Dispute Department, I am writing to formally dispute an account listed on my credit report that I believe is fraudulent. This account is with XXXX XXXX XXXX XXXX, as detailed below : Account Number : XXXX Date Opened : XX/XX/XXXX Pay Status : Charged Off Original Charge-Off Amount : {$1800.00} Last Payment Made : XX/XX/XXXX Date Closed : XX/XX/XXXX This account contains adverse information, including reports of maximum delinquency in XX/XX/XXXX and XX/XX/XXXX. However, I have no affiliation with this account, and I believe it was opened fraudulently in my name without my authorization. 

To support my claim, I have filed a report with the Federal Trade Commission ( FTC ). Enclosed, you will find a copy of my FTC Identity Theft Report for your reference. Additionally, I have included a copy of my government-issued ID and proof of residence to verify my identity. 

My ftc report number is XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that TransUnion investigate this account thoroughly. If you find it to be fraudulent, I request that it be removed from my credit report immediately. Please also provide me with the results of your investigation and a corrected copy of my credit report. 

If you require further information or documentation, please do not hesitate to contact me at the phone number or email listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I currently qualify for XXXX  student loan forgiveness, but have not yet met the 5 year mark. With this in mind, I applied for XXXX  student loan forbearance through FedLoan Servicing. The first application had a small error, but took the company 6 weeks to review the application when their own website states that application usually take several days, but will be handled in 10 days. The second, revised, applications currently being reviewed is still processing at 5 weeks. 

I have already qualified for forbearance in past years. FedLoan seems to be waiting as long as possible to review applications, knowing that they will collect payments that would actually be forgiven ( essentially making money on top of money ).
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 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

See complaint XXXX. 
Equifax has had almost 90 days to resolve this issue on my credit report and now they tell you it will be yet another 30 days for them to " finish their investigation ''. Both XXXX   and XXXX  have removed this account from my report, which is a time-barred collection ( zombie collection ) and should never have been on my report. 

I am unwilling to wait yet another 30 days for Equifax to do nothing. The proof has been submitted several times to them and you. I want this off my credit report and a physical copy mailed to my address as they will not allow me to access their online system.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.
Product: Mortgage

Purchased my home for XXXX in XXXX/XXXX/XXXX and Wells Fargo has my mortgage loan. Interest rates were above 5.75 % and in XXXX was able to refi at XXXX. I was told it was under HARP? Now, that rates have dropped again ; I contacted Wells Fargo and an agent quoted me 3.87 % on XXXX/XXXX/XXXX ; loan balance was XXXX. After turning in numerous documents, tax reports etc., I was denied due to " debt to income '' being above XXXX %. The loan payment is {$1600.00} and the balance as of today is {$290000.00}. PAYMENTS HAVE NEVER BEEN LATE. PROPERTY TAXES HAVE ALWAYS BEEN PAID ON-TIME. PROPERTY VALUE IS XXXX. My income comes from Social Security, XXXX XXXX and City of XXXX thru XXXX XXXX who handles my required minimum distribution ( RMD ) which this year was $ XXXX+ with a balance of {$98000.00}. I showed proof of ability to increase my income by increasing the XXXX but was denied. By lowering the interest rate from 4.75 % to 3.87 % INCREASES my income by $ XXXX+ monthly. Please help. The major negative in my credit is a " shortsale '' of a Florida property that I bought in XXXX with XXXX ; that turned out to be a MAJOR financial loss for me. The property sold in XXXX. I DO N'T WANT ANY CASH OUT!
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act this creator has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose. 

Account : XXXX XXXX  XXXX For XXXX of XXXX  30 Day Late Payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge. EMPLOYER REPORTED - XXXX XXXX XXXX - I HAVE NEVER WORKED HERE. THIS IS NOT MY CURRENT EMPLOYER. THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS A RESULT OF SOMEONE TRYING TO GET CREDIT IN MY NAME. REMOVE THIS EMPLOYER IMMEDIATELY. AS YOU KNOW ACCORDING TO THE FCRA, ALL INFORMATION ON MY CREDIT REPORT SHOULD BE 100 % ACCURATE. AS THIS INFORMATION IS NOT CORRECT, REMOVE IT FROM MY REPORT IMMEDIATELY. I WANT A FRAUD ALERT PLACED ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.
Product: Credit reporting or other personal consumer reports

This account is reporting as a late payment on my report despite having inconsistent historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by Equifax. This account must be removed immediately for Equifax is reporting it wrong.
Product: Student loan

When I finished my XXXX and first started as a XXXX, I received a notification from XXXX XXXX ( later Navient ) telling me I needed to start paying on my loans. I called them up and asked what my options were for limiting payments while still making very little as a XXXX. I was the single wage earner in a household of XXXX ( myself, my wife, and XXXX young children ) .They told me to apply for deferral and did n't explain any other options. Later when I XXXX at the same university, I could no longer qualify for deferral and my marginally larger salary caused me to seek out other options. I learned that they should have recommended I apply for IBR because with my XXXX salary and family size I would have owed {$0.00} per month anyway under several of the income based repayment plans. Those 2.5 years as a XXXX would have counted toward the 120 months of the Public Service Loan Forgiveness program. Now I am a XXXX and could be 60 payment into the PSLF, but because I feel they guided/pushed me into deferral I am instead only 30 payment into the program. 

I once tried to contact Navient via email, mail, and telephone to try and see if the extra 2.5 years could be counted toward the PSLF program but never received a response to my inquiries.
Product: Debt collection

They keep calling from trans world systems inc. I dont owe any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed multiple disputes on an account that is inaccurate on my credit report with the credit bureaus, however they continue to report that the information has been confirmed as accurate by the collection agency. I've requested from XXXX XXXX to verify the information that they are reporting is in fact accurate, however they have failed to provide me with anything. As many times that I've disputed the account, advising of inaccuracies between the reporting of different bureaus, Metro 2 Compliance, Portfolio Type, request for FCRA Compliance Date and Date of First Delinquency/Last Activity, I haven't been able to obtain the information. The FCRA states that if an item is reporting on my credit report, that item must be accurate and verifiable. XXXX XXXX has failed on both of these instances. The Credit Bureaus have also failed their duty in " Conducting a Reasonable Investigation '' as they were made aware of the issues regarding the account. During my research, I've found that " XXXX '' isn't a legal way to conduct an investigation. When I requested the credit bureaus method of verification and to review the documents that they have physically reviewed to confirm the accuracy, they blatantly ignored my request.
Product: Credit card or prepaid card

In law, coercion and duress refers to a situation where an individual performs an act as a result of threat, violence, or other pressure against the individual. Duress is the pressure which is exerted upon an individual in order to coerce that individual to perform the act that would not be normally performed. 
Coercion and Duress negates the individuals consent to an act, such as entering a contract. On XX/XX/XXXX I was going in many directions with the movers loading the truck for my move to XXXX, Fl. XXXX XXXX XXXX XXXX XXXX waited until the movers were busy and asking me questions, etc. to call me and demand I allow them to put two {$400.00} charges on my Capital One credit card ( they were specific it had to be the Capital One card ) or XXXX XXXX XXXX XXXX XXXX would keep my possessions in a storage unit I rented from them and had ZERO ACCESS until I agreed to have the charges put on my Capital One card. I was under duress and with the threat of keeping my possessions hostage -- a threat which qualifies as coercion, I reluctantly told them they could charge my card. I knew the law would protect me and I could put the charges in dispute and Capital One would have to require XXXX XXXX XXXX XXXX XXXX to PROVE I rented two storage units for {$200.00} a month on XX/XX/XXXX and that I paid XXXX XXXX XXXX XXXX XXXX {$400.00} for the first month 's rent on XX/XX/XXXX. I never rented any storage units for {$200.00} a month from XXXX XXXX XXXX XXXX XXXX or any one else and I never paid {$400.00} to Two XXXX XXXX XXXX XXXX on XX/XX/XXXX. Therefore, according to the LAW, I DO NOT OWE THE TWO {$400.00} CHARGES I WAS COERCED TO ALLOW CHARGED TO MY CAPITAL ONE CARD ON XX/XX/XXXX. Capital One is required to obey federal law. I have provided Capital One with indisputable proof that I paid XXXX XXXX XXXX XXXX XXXX {$300.00} for two months rent for a small storage unit on XX/XX/XXXX and on XX/XX/XXXX the estimate for the move from my home in XXXX to XXXX on XX/XX/XXXX & XX/XX/XXXX has only one storage fee listed for {$150.00} -- the third month for rent on the storage unit. There is NO OTHER STORAGE FEES LISTED ON THE ESTIMATE FOR THE MOVE EMAILED TO ME ON XX/XX/XXXX. The law requires XXXX XXXX XXXX XXXX XXXX to provide proof I rented two storage units on XX/XX/XXXX for {$200.00} a month and I paid the first month 's rent of {$400.00} for the two storage units on XX/XX/XXXX. A contract had to be signed without duress or coercion to be valid. I never signed any contract, etc. and I never paid XXXX XXXX XXXX XXXX XXXX {$400.00} on XX/XX/XXXX. THERE ARE NO CREDIT CARD CHARGES, CHECKS, OR RECEIPT BY ME FOR {$400.00} TO XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX. Capital One is required by law to remove the charges from my credit card permanently because the charges were placed on my card while I was under duress and I was coerced by XXXX XXXX XXXX XXXX XXXX -- the act of agreeing to have the charges put on my car are negated by federal law.
Product: Credit card or prepaid card

I am writing today in regards to my account with Capital one account # XXXX in regards to the lates reported for the following months XXXX, XXXX XXXX and XX/XX/2020. Due to Covid I was having a hard time getting these payments made. I hope you can help me out based on the CARES ACT and update these to not reported in the above months. I am trying to maintain good payment history.
Product: Credit card or prepaid card

Wayfair/ Citibank continually charges me a late fee. I paid off the card asap to not deal with their fraudulent late charges. That was in XXXX and of course they say the payment was one day late. So, they charged me another {$40.00} late fee. I refused to pay and now they keep charging me fees on top of that fee. Theyre scandalous
Product: Debt collection

My name is XXXX XXXX XXXX. I 'm getting mail to my home address at XXXX XXXX XXXX XXXX, SC XXXX. But the name is XXXX XXXX XXXX is not me and I havnt been to school after high school and I do n't want my credit ruined because of this! The clients name is XXXX XXXX XXXX XXXX. Acct # : XXXX Balance Due : {$6600.00}
Product: Credit card or prepaid card

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage from Countrywide originally. Then was bought by Bank of America after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. Bank of America then the mortgage was then bought by XXXX XXXX XXXX, Again all my payments were made on time. I have documents proofing this. I asked XXXX, XXXX   and XXXX  and sent the documents that I have from my XXXX XXXX  account proving the dates of payments. I received a letter back from XXXX that they would not change the lates on my report from both Bank of America and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either Bank of America or XXXX XXXX loans since 2012.