23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I checked my credit today and there's a collection input from NCA, a debt collection agency for a debt in thr amount of {$1900.00} from XXXX XXXX. I've disputed that debt several times and I've never received any phone calls nor emails nor mailings from NCA. However according to my credit report, NCA posted on my credit report that I opened the account with NCA in XX/XX/2023. Which is a lie. That debt with XXXX XXXX is more than XXXX XXXX XXXX. NCA is reporting fraudulent, misinformation, wrong information on my credit report without my acknowledgement. I would like third removed on my credit report. I do not owe NCA any monies. They've never contacted me and I did not open nor obtained any loans from them in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for a rental agreement for my XXXX  XXXX XXXX XXXX that ended in XXXX, I believe XXXX or XXXX. I informed lessor I wasn't going to renew lease and XXXX informed lessor she was moving out. That's all the contact I have had with the company. I didn't know about this balance or what it is for such as rent or damages. I have had no mail or emails from the company since XXXX. If not for my mortgage company notifying me there was a derogatory entry on my credit report, I still wouldn't have known it was there. I am requesting they take this off my report since they haven't even sent me a bill or letter to contact them. I would suggest to them I can't pay something I have no knowledge of. According to the credit reporting act, it is my understanding they have to show proof they have billed me prior to reporting to credit bureau, which they haven't. For this reason, I am requesting this be removed. 
The lessor was XXXX XXXX XXXXXXXX and Hunter Warfield is connected somehow, not sure how.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX  XXXX ; XXXX XXXX XXXX  ; XXXX XXXX and XXXX XXXX
Product: Mortgage

I complained to CFPB and suffered retaliation for doing so. Specialize Loan Servicing SLS claimed to help me but instead caused more grief. When I call them and enter my loan number it would just hang up on me. The clocks ticking and it appears I have no case manager. SLS was purchased by an XXXX parent company -- I guess they are outside of XXXX regulators.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX UNAUTHORIZED CREDIT INQURY, COMPLAINT XXXX MARK CLOSE
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history on my credit report is inaccurate. I have a lower balance than what is consistently being reported and this has continuously lowered my credit scores. I want the CRA to thoroughly investigate my balances and late payment record and make deletions.l have attached a record of lower balance for the last three months than what is being reported.
Product: Debt collection

XXXX XXXX is reporting debts on my account that I do owe. I never received any phone calls or any written notice of this debt. I found out of these collections when I checked my credit. I immediately contacting them to verify & pay the debt if it was mine with no luck. They never answer the phone. It has been very stressful and difficult to communicate with them. They are in violation of my 30 day right to dispute, and this collections need to be removed off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Inquired on XXXX XXXX, 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was breached in both the XXXX breach and now the XXXX breach. I have disputed three credit cards that are unknown on my account that were not mine, 2 cell phone carrier accounts that are not mine, and also disputed inaccurate late student loan payments that you can clearly see I was a student while the payments were marked late.
Product: Vehicle loan or lease

I called several times to inquire why I was charged {$160.00} for other fee. No explanation was given and they didn't know! All things considered the other fee is inappropriate and improper. My account number is XXXX with SANTANDER CONSUMER USA.
Product: Checking or savings account

After filing a CFPB complaint [ complaint # XXXX ] during XX/XX/2018, I received one " PNC Bank Official Check '' in the amount of {$77.00} and two " PNC cashier 's checks '' in the amounts of {$480.00} and {$30.00}. Unfortunately, I have been very ill and have been at 2 different hospitals for medical treatment over the last 4 weeks. However, I tried to cash these 3 checks at the PNC XXXX XXXX branch on Saturday, XX/XX/XXXX. The branch manager would not authorize these checks to be cashed because she said " she had to guarantee the funds were available by calling someone at corporate. '' She said " the individual ( s ) I need to call will not be available until Monday morning. Please come back to the branch at that time. I am going to keep these checks because I can not return them to you. '' Now, why the branch manager felt the need to keep the checks did not sit well with me and that was made very clear. I used to work at a bank and I know that among the purposes of a cashier 's check is to set funds aside to ensure guaranteed and prompt payment to the check recipient. So, again- why the branch manager felt behooved to take possession of the check is absurd and why it is taking so much work to cash their own company-issued cashier 's check is beyond my comprehension at this point. 

Upon going to the branch this Monday morning at XXXX XXXX, the branch manager has still not resolved the matter. She asked for me to return to the branch at XXXX XXXX to let me know the status at that time. 

I departed from the bank and called the XXXX number denoted on paperwork and spoke with a customer service representative named XXXX. After explaining the situation to XXXX, she recommended I ask the branch manager, XXXX XXXX, to provide me the regional manager 's phone number. 

I will make that request & call but I feel compelled to file another complaint regarding this outrageous situation. These funds are proof of payment that the bank recognized that closing my checking account was wrong but what is worse is the amount of time and money ( XXXX & bus fare ) to resolve this " resolved '' issue. 

Thank you in advance for your assistance!
Product: Credit reporting or other personal consumer reports

I asked for them to take this old account off my profile, and they said that the information has been verified. Although the account is closed. 

XXXX XXXX Closed Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX XXXXXXXX Open/closedClosed StatusPaid in settlement. {$700.00} written off. 
Status updatedJul XXXX Balance- Balance updated- Credit limit $ 500 Monthly payment- Last Payment DateXXXX XXXXXXXX, XXXX Highest balance {$700.00} Terms- ResponsibilityIndividual Account paid in full for less than full balance Account previously in dispute - investigation complete, reported by data furnisher
Product: Credit card or prepaid card

I signed up for the American Express XXXX XXXX XXXX with a promotional offer of XXXX points after spending a minimum of {$5000.00} in the first three months. The application was approved on XX/XX/XXXX. I fulfilled the minimum spend within 2 months but was never given the promotional offer. 

I initiated an inquiry in XXXX or XXXX ( specific dates are unknown ) as to why I never received my points. According to AMEX I have previously opened a XXXX XXXX card before. This is not true. I 've previously held the XXXXXXXX XXXX card but it is not the same product/card. 

AMEX then said that a personal card was opened in XXXX but closed on the same day. This must have been a mistake as I 've only ever held a XXXX XXXX card for 1+ years. As a result I was auto denied my XXXX point bonus. A review would be opened and I was told to follow up in 30 days. 

On XXXX XXXX and XXXX XXXX, I followed up AMEX and was told I will still be denied because I had a XXXX  account. This should not be the case as I 've never owned a XXXX XXXX card. Even the first representative stated that a personal platinum was only opened and closed on the same day. I should not be denied my XXXX bonus because of such an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the XXXX Credit Bureaus XX/XX/2022 to repair these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never requested to have a consumer statement put on my credit file with Equifax. I've called and disputed this on numerous occasions to get this consumer statement removed from my Equifax credit file. After each dispute, I would get an email stating that my dispute is complete and that the consumer statement has been removed. I go to check my credit file the next day and it is still there. I last called on XX/XX/XXXX to try and dispute it again and they told me it would take 30 days to be removed. It is now XX/XX/XXXX and the consumer statement is still on my credit report. This is the confirmation number that I was given by Equifax XXXX. I have been disputing this consumer statement for over 3 years now. This is what the consumer statement says '' CREDIT KARMA IS REPORTING MY BALANCE INCREASED BY {$2.00} WHICH SHOWING AN OUTSTANDING BALANCE OF {$19000.00} AND THE CORRECT BALANCE PER XXXX IS {>= $1,000,000} I? VE CONTACTED XXXX AND THEY SENT ME A LETTER OF WHAT? S BEEN REPORTED AND THE CURRENT BALANCE SHOULD BE {>= $1,000,000} '' This consumer statement is irrelevant and it does not need to be on my report. It was placed on my report on XX/XX/XXXX. How hard is it to remove a consumer statement that I never requested to have added.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent complaint several times to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all the bureaus to get these fraudulent accounts and inquiries off my report but nothing has changed at all. 

In accordance with the Fair Credit Reporting act they have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I reached out to them and spoken to a rep who stated that if I paid off my car they would also delete the late payment history as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2022, I went to XXXX XXXX XXXX  and spoke to an employee about freezing my membership due to me starting XXXX XXXX and would not have time to come to gym. The employee stated there was a 3 month or 6 month option, which I chose 6 month freeze and employee told me manager was not present but that they were putting a note in computer and note for manager to handle situation. A few weeks later I start receiving calls about my account. I then spoke to employees on the phone 3 separate times attempting to once again freeze my account like I was told was getting done the first time and apparently it never did. 3 times over the phone I was told that it was handled, after I had done the freeze in person which was unsuccessful due to employees for whatever reason. I then receive a letter in the mail stating I now owe money due to lack of payments for my account which I was told by staff situation was handled 4 different times and clearly it was not. Once I received my debt collection letter I called XXXX XXXX to ask them why this is occurring. They stated they see notes in the computer where I went up there AND called and spoke to employees to freeze my account, stated they did not know why it was not successful, but now that they have turned me over to collections there is nothing they can do and I have to handle it with collection company. Which is completely unacceptable that they directly have proof in their computer than I requested this freeze multiple times and they never completed business on their end which is now causing me to have a debt collection due. I called collection company and employee was horrible and very unhelpful and said there is nothing he can do because XXXX XXXX said I owe the money. So I basically have both companies telling me there is nothing they can do, when there is no reason why I should owe this business any money. I never attended that gym after XX/XX/XXXX when I entered the building and requested an account freeze and was told it was complete and they would see my again in 6 months when freeze was over. I do not owe this company money and somebody needs to fix this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern This is in regards to XXXX the who will be known as the " original creditor ''. The original creditor before transferring my loans to XXXX has five reporting accounts on my reporrt. These accounts a riddled with error and mistakes. Keep in mind that these account come from the same original creditor there are several mistake you will see in the documents that i have attached to this complaint Some of the errors or reporting an account with two different loan numbers that originally have two different loan amounts. Reporting no balance when this is one and reporting a {$0.00} balance when there isn't one. Also the High balance is incorrect with All three credit bureaus reporting different amount. 

Lastly i am apart of a Class Action Law Suite where XXXX has pushed me into a bad loan repayment program and as a result of the pandemic i was unable to maintain payments. They marked me late and that reflected on my credit report before the loan was transferred to XXXX.
Product: Credit card

I applied for an American Express XXXX XXXX XXXX which promised {$250.00} after spending {$1000.00} in 90 days. They only gave me {$150.00} after I put in the purchases of over {$1000.00}. I put in a request to have it researched on XXXX XXXX. I called them half a dozen times and it is still not resolved. I sent them the screenshot of their advertisement. They still have not resolved the issue. I am going to file this and let them know I will close my account and deduct what is owing me.
Product: Credit card or prepaid card

Unecessary deposits into credit card account of XXXX cents. I have already created cases about such deposits in order of cents earlier, no response from the company. I have filed CFPB cases XXXX. This is quite a manipulative scheme. This is an update to XXXX and XXXX. 

Collapse transaction for Transaction date : XX/XX/XXXX INTEREST REF PURCHASES XX/XX/XXXX XX/XX/XXXX Collapse transaction for Transaction date : XX/XX/XXXX INTEREST REF PURCHASES XX/XX/XXXX Transaction date : XX/XX/XXXX Card type : XXXX Transaction type : ATM Cash Advances or Bank Transaction Merchant information : XX/XX/XXXX Reference number : XXXX Merchant Name : get more information about merchant name change INTEREST REF PURCHASES Select to Edit the merchant name Transaction Category : get more information about transaction category Finance : Service Charges/Fees Select to Edit the transaction category Online Purchase : N Type Bank Transaction - {$0.00}
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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: Credit card or prepaid card

CityBank has issue account ending in XXXX for credit card and and multiple accounts using my information, I don't have access to these accounts no even banks statements, automatic payments continue to be issue to this credit card from other bank institutions and I still don't have access or get bank statements. Since XX/XX/2022 I have been visiting many locations, calling to ask about these accounts and they always hang up on me not giving me telling me that they can't not even bank main address or their representative ID. it has been months since I have reported the issue to CityBank and not resolution, they also closed another account where all funds and statements even bank account number went missing 8 months ago.
Product: Mortgage

I closed a loan with Movement Mortgage on XX/XX/2021. I worked with XXXX XXXX NMLS XXXX4 ( he is the loan officer ) in my last loan. So I'm existing borrower/customer with Movement mortgage. I reached out to XXXX XXXX on XX/XX/2021 asking for some details on my upcoming cash-out refinance application. His response was that " Thank you for the opportunity to work with you again. I think it would be in everyones best interest if you use a different mortgage company moving forward. '' He basically refused to even accept my loan application without telling me why. I sent another follow-up email to him asking why and he never replied. It made me very puzzled and perplexed. Is it discriminatory against customer? I have email from XXXX as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified dispute letters was sent to all 3 credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed my credit being run numerus time, I never give permission to run my information as it states on my report. these companies had run my credit more than once on the same day same inquire why? I did reach the companies which I was told do a dispute with the credit agencies. I did reach them but nothing they could do so they refer me to contact CFPB. 
XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 2021