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

I have called XXXX several times about each of the point withdrawn from my report. Any and every credit check that isnt connected to a card on my credit report is not fine I XXXX XXXX have to permission to any creditor to check my credit that its already on my report. Ive tried to us there site but not able to input information without is being denied. My credit score has been tampered with for over 2 years and Ive wrote them several times. In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1691 Section 604 A section 2 : It also states a consumer report agency can not finish a account without written instruction.

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Product: Debt collection

I am not liable for this debt of {$210.00} with I C SYSTEM INC account number XXXX. I do NOT have a contract with I C SYSTEM INC, they DID NOT provide me with the original contract as I requested with my wet signature and ID verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft, accounts listed have been opened fraudulently without my knowledge of consent. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Also the following names are incorrect please remove ; XXXX, XXXX, XXXX XXXX addresses ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX CA XXXX Incorrect employer ; XXXX Attached is a copy of my FTC Affidavit, Dispute Letter, SSN, CA ID
Product: Credit card

Hi, I applied for my credit card when the offer on the website showed specifically that I would get XXXX XXXX XXXX Miles after spending {$0.00}. The bank later started saying that the offer is for spending {$5000.00} and not {$0.00}. I have sent confirmation and also confirmed from several representatives and for 6 months, every month i am told it will be deposited next month but it never happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported on account is invalidation.
Product: Student loan

Hello, my name is XXXX XXXX my reason for contacting you is for 2 reasons. 
1 ) Wells Fargo has recently put a negative on our credit history that was in error by them, this HUGE matter is costing us tremendously, not only holding up our refi but may cost us in taking advantage of the recent low interest rates while we wait for them to take off the system. 
2 ) XXXX is the XXXX University that our daughter attended and now has a HUGE Private loan from. Our question and concern has been all this time WHY was she not offered and given a Federal Loan when she applied? The loan Dept at XXXX was very disorganized and not helpful. Our daughter should have qualified for a Federal Loan, she is XXXX and had great grades and was very goal oriented and dedicated student. To our HUGE dismay she was offered a Private Loan without ever an explanation of WHY she did n't qualify for a Federal. To date she has had this HORRIFIC LOAN that my husband co-signed unfortunately and so now we are affected as well. It 's been 7 yrs having this HUGE BURDEN on our credit but mostly our daughter who has struggled to make the HUGE payments all these years. She wakes up with this on her mind and goes to sleep with this last thing on her mind. It 's destroying our family not to mention our daughters HEALTH and future. She is not able to buy a home, have children, nor save her marriage due to this nightmare. She regrets ever going to college, I never thought I would agree with her. Please help us look into these matters ASAP. We truly need help NOW, we are trying to find a lender in order to refi and consolidate for our daughter. It 's time that something NEEDS to be done about this crime done by some Universities. Thanking you in advance XXXX XXXX XXXX or husband XXXX XXXX XXXX ) XXXX XXXX ( student/daughter ) XXXX. PLease I ask you for some help and guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Overview My Recommendations1 Accounts Credit Cards Loans Auto Resources TaxFree audit defense Profile & Settings Back to score details Based on Equifax data Credit changes Current score XXXX XX/XX/XXXX No score change We found no changes to your Equifax credit report. 
Expecting a change that you dont see? Equifax may not have updated your report yet.

Help us improve your experience Was this information helpful?

Yes No XX/XX/XXXX 5 pts to XXXX We found 4 changes to your Equifax credit report.

Balance Decrease XXXX XXXX XXXX XXXX   Balance Decreased by {$57.00} XXXXXXXX XXXX XXXX Balance Decreased by {$96.00} Balance Increase XXXX XXXX XXXX Balance Increased by {$34.00} On-Time Payments XXXX XXXX XXXX 2 Payments Made on Time Hide changes XXXX XXXX No score change We found no changes to your Equifax credit report. 
XX/XX/XXXX pts to XXXX We found 1 change to your Equifax credit report. 
Balance Decrease XXXX XXXX XXXX XXXX Balance Decreased by {$240.00} Hide changes XX/XX/XXXX pts to XXXX We found 1 change to your Equifax credit report. 
Accounts In Collection Removed XXXX  XXXX Account Removed Hide changes
Product: Checking or savings account

Back in XX/XX/2022, I noticed USBank has an online AD shows they provides a {$400.00} welcome bonus offer for new personal checking account ( needs to complete recurring direct deposits that total {$4000.00} in first couple months ) I opened checking account via USBank 's website with Promo code " XXXX '' on XXXX, and start using this new personal checking account as my salary direct deposit account. 

By now, I already made more than XXXX direct deposits and more than {$50000.00} in total, but still not received the {$400.00} welcome bonus. 

I contact USBank customer service more than 5 times in the past 3 months about this problem, they checked my direct deposit history, told me I was eligible, I can expect the the {$400.00} welcome bonus hit my account in couple weeks, but it never happened.
Product: Student loan

Navient/ Salle Mae has repeatedly misapplied my funds to future payments rather than paying down the balance of the fund when I overpaid. I've called to have this changed several times and discover that things were " accidentally '' applied to future payments. I also had lengthy arguments with them about whether or not the SCRA applied to me before they begrudgingly applied the SCRA to my account. I was also told that the Public Service Loan forgiveness program does not apply to be although because the balance of my loan would be due before the 10-year service obligation was completed. I went to XXXX XXXXl on a military scholarship and have been on XXXX XXXX in the military since I graduated in 2012. Also, although I had money allocated from my bank account to pay off the loan, Navient started auto-deducting and addition {$220.00} from my bank account for approximately 7 months without explanation. While they were drawing extra money from my account, I was already paying them twice the payback amount which they were applying to future payments and not to the body of the loan thereby increasing my future interest payments. I have repeatedly asked for paper statments to prove that these charges are incorrect and they absolutely refuse to supply them under any circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a negative item on my credit report from a company called IC Systems. I had no business or debt with this company. I don't owe this company any debt!
Product: Mortgage

I would like to file a formal complaint against CMG Financial mortgage. I noticed that my most recent credit report contains a late payment for XX/XX/2020. 

I reached out to the mortgage company directly to update these late payments. I explained my situation and how this was a direct result of the covid-19 pandemic. My cries fell on deaf ears and I was given the run around filled with false promises. I have a paper trail of my request. 

During the time the late pays took place, we had contracted the XXXX XXXX XXXX XXXX XXXX XXXX 
Additionally, due to the stay in place order in XXXX, Illinois, my spouse was out of work and my job began to limit hours. 

I have an excellent payment record. This was an unavoidable oversight caused by the economical effects of pandemic. 

My finances are top priority and I have organized all of my accounts and payment due dates, both on my computer and on paper, along with notifications and reminders for each one. Since then and prior to, Ive had a spotless record of on-time payments. I am asking for a courtesy adjustment on my account because of the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with Fair Credit Report Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C. 1681 Section 602A states : I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2. It states that a consumer reporting agency can not furnish an account without written instructions
Product: Credit reporting or other personal consumer reports

XXXX Equifax XXXX XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I tried to resolve the debt and verify the amount and was told that I refused to pay debt. I have screen shots of the chat. I then was sent a chat history that was not complete. He then asked me when I would pay and when I offered an amount he said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had noticed that someone had been using my information and had been making unauthorized hard inquiries by fraud and here is the list 1. XXXX XXXX XXXX and XXXX 2. XXXX XXXX XXXX and XXXX 3.XXXX  XXXX XXXX XXXX 4.Barclay XXXX
Product: Debt collection

I disputed this debt on XXXX/XXXX/15 and received a response from the company apologizing for the inconvenience and that the debt would be removed from all om credit reports. I may be facing disciplinary action or termination because this debt still remains on my credit reports. Therefore, the company failed to honor their resolution, as stated in the response to my complaint. I am again asking for this debt to be removed from all om credit files, as it is not my debt. My final complaint response that was filed with your office and was not disputed, by me, was assigned number XXXX. Thank you.
Product: Debt collection

XXXX incorrectly billed my account after I had closed the account and stopped service. I switched services to XXXX XXXX XXXX and XXXX kept charging my account. My service with XXXX ended in 2018. They sent me the bill and I called them and they agreed that there was no bill to be paid. XXXX  cancelled the bill. However, afterwards a debt collector came to collect. After many phone calls back and forth, they finally dropped the claim as it was false. XXXX still maintains that they are not sending anything to any debt collector and that I owe them nothing. 

Recently Credence Resource Management has tried to collect that same debt, which does not exist. This is now 3 years later and I'm still chasing away these fraudulent debt collectors. They have now lowered my credit score by falsely claiming that I have a late payment. 

Plase help!
Product: Checking or savings account

On XX/XX/XXXX at approx XXXX I went into Comerica Bank to open 2 accounts ( business and personal ). It became late and they experienced a glitch in their system and asked if I could return the next day. I agreed. The next day I came in and they told me that they are not able to open an account for me due to XXXX  saying I owed money to another bank. They told me to go to the banks and clear it up and come back to them with letters and they would give me back my money. They were clear in saying that they would not be opening an account, however. I went to the banks and discovered that after I closed my bank account auto pay items went through and created an outstanding balance. I immediately rectified the issue which in total was roughly {$350.00}. On XX/XX/XXXX I took my letters into Comerica and asked for them to give me my money back as they told me they were not opening an account. They then informed me that even though they said they werent going to open an account for me they went ahead and deposited my money and now I would have to wait 9 days. I was frustrated and told them I would return to pick up my funds. I specifically requested to pick up my money because I was anticipating moving in the next week. I went back in on on the XXXX and they told me my money was still not available. I again told them I would be back to pick up my check. I was sick the week of XXXX and they called me 3 times in 2 days. I went in on XX/XX/XXXX to get my funds and they told me they had mailed them to me. They said they mailed it out on XX/XX/XXXX. On XX/XX/XXXX I still had not received my check. I had my mail held on XX/XX/XXXX due to Comericas mailing my check and specifically to make sure the check would be at the post office. I went in to pick up my held mail on the XXXX. The check was not there. I called XXXX and told him I had not received a check in a 10-day period and I wanted that one cancelled and a new check reissued. He was rude and told me he could not help me until Monday. I asked for his manager to call me back. He told me she was working from home. I asked that she call me on her cell. She did not. The bank was also open on Saturday and I still did not hear from anyone. On Monday at XXXX I called the bank and asked for XXXX. She lied to me and said she was out of town when last week XXXX told me that she was working from home on Friday. I asked her where my check was, and she gave me the run around and said she was just finding this out. I do not believe that as I told XXXX I wanted her informed on Friday. I told her to figure out the timeline for getting me a check that I could come to the bank and pick up. I ensured she had my cell phone number and told her to call me back with that info by EOB XX/XX/XXXX. She did not call me. I do not have my money still. It is now the XXXX and the manager has still not contacted me about how to get my funds. Comerica has kept my money for 30 days. I have had damages due to this inability to access my funds. This is a ridiculous amount of time for them to hold my money while they benefit from it being deposited in their institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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. 

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. 

Account name : XXXX XXXX XXXX : # XXXX
Product: Checking or savings account

Wayfair is an extremely unprofessional company, even though they are all over the media drawing consumer in their dark web, like me. I order a California King Size Bed, A Corner Desk and A Chest of Drawer for this company. When I found a professional to assemble my bed, he and I discovered I was sent the wrong size bed, I verified my order details and it clearly state California King Size. I purchase new mattresses ( California King size ) they hang off the mattress by 2 feet on the side at least. Bed appears to be a Queen. When I called them yesterday the Customer Service Representative was apparently not having a good day. He argued with me they sent what was order, and I was XXXX  and did not know what a California King size bed is. I said " sir I currently have a California King size bed ''. I ask him to send someone to break down the bed and send back and credit my checking account as it is not my fault the company sent the wrong size bed. I told him I was already out of expense in having someone put the bed up and it is only fair for them to cover the cost to have it broken by down and reshipped. He told me they would not be doing that and hung the phone up in my face. I have two other items that needs to be sent back, a chest of drawer that was to go with this bed, I need shipped back Wayfair expense. I have attempted to stop the shipment of a corner desk that has not arrived yet. I will never order from this company again. I am at their mercy in that they have my debit card information to credit back at their will.
Product: Credit reporting or other personal consumer reports

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX/DOFED ACCT # XXXXFRAUD/REMOVE XXXX XXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX  ACCT # XXXX FRAUD/REMOVE XXXX  ACCT # XXXX FRAUD/REMOVE XXXX XXXXXX/XX/2023 TransUnion FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 XXXX INQUIRY : XXXX XXXX XXXX XX/XX/2023 FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Product: Mortgage

Penny Mac was sent a Notice of Error and Request for Postponement of Foreclosure Sale for XXXX XXXX. The Notice of Error advised PennyMac that it had failed to send XXXX XXXX the required Post Foreclosure Referral Notice and had failed to provide XXXX XXXX with a proper loan modification review. The Notice requested postponement of the foreclosure sale to complete said loan modification review. PennyMac is proceeding with foreclosure.
Product: Credit card

A hotel in XXXX, XXXX- the XXXX overcharged my credit card by {$13000.00}. I advised Chase about this overcharge, and included the information from the hotel 's own website indicating that for every three nights you stay, you are to receive a free night. Even though I provided all of the information to Chase, Chase discriminated against minorities. It refused to honor the price I was promised from hotel. The hotel XXXX even emailed me that the hotel would credit my account {$13000.00} on XXXX XXXX, 2025. Still, Chase has refused to represent my rights, refused to enforce the {$13000.00} credit that I was promised from the hotel, and refused to properly dispute the {$13000.00} amount from the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the collection accounts listed on my credit report. I am deeply concerned about the impact these negative marks will have on my credit score and future financial opportunities. 

Specifically, I would like to dispute the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Collection Account PXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  Collection Account XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection Account I understand that these accounts are listed as collections on my credit report. However, I dispute the validity of these debts and request that they be investigated under the Fair Credit Reporting Act ( FCRA ). 

I have not received any verification of these debts nor have I been provided with any documentation regarding their validity. As such, I request that you provide me with all relevant information pertaining to these accounts, including the name and contact information of the original creditor, the original amount owed, and any other pertinent information. 

I also request that these accounts be removed from my credit report until such time that they can be verified as legitimate debts. The FCRA requires that all information on my credit report be accurate and verifiable, and I expect that you will abide by these regulations. 

Thank you for your attention to this matter. I look forward to receiving a prompt response and resolution to this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to provide a proper investigation regarding the accuracy of late payments, and continues to report inaccurate information on my credit report. Ive filed 3 disputes for Experian to update inaccurate late payments on my XXXX report. Ive specifically requested Experian provide me with the accounting records for me to examine the accuracy of the late payments. The FCRA require Experian provide 100 % accurate information. Experian is in direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Texas XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Debt collection

I have disputed this with XXXX over 3 times last time i disputed on XX/XX/23 I sent in all my rental receipts stating t I don't owe the company. This is double jeopardy .them asking me to pay something that was already paid before it even went to collections. The company even cashed the checks and I provided them with the proof.