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

When reinserting information on a consumers credit report the credit reporting agency must notify the consumer within 5 days. No such notification was ever given to me in regards to the matter concerning XXXX XXXX/ XXXX XXXX . Account information was deleted on XX/XX/XXXX from my Transunion Credit Report and was reinserted on XX/XX/XXXX. 
In accordance with FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required by law to notify me of reinsertion in writing within 5 days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no letter of reinsertion and therefor FCRA Laws have been violated.
Product: Credit card

It is concerning to find an error indicating a late payment on my account, given my consistent adherence to payment deadlines. This inaccuracy is generating unnecessary stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Product: Vehicle loan or lease

XXXX  cfpb file # also they owe me the full $  XXXX  not the par tail that was paid to them by the dealer, as i informed the bank i was canceling the contract in  XXXX   2016 . As the car was bought in  XXXX  and you had 60 days to cancel on it. So that as well as the additional info i wrote on this complaint needs to be refunded.
Product: Student loan

The National Student Loan Data System is reporting incorrect information regarding my attendance at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 's records show inaccurately that I graduated in XXXX 2011. I did not. I was attending the school through the date of closure and was scheduled to graduate in XXXX 2011. I was unable to graduate because the school closed while I was attending it. NelNet is refusing to provide a closed school discharge because of false and misleading information reported on the XXXX XXXX XXXX XXXX XXXX. I have provided them with many documents supporting the fact that i was enrolled in the school at the time of closure. After trying to resolve this issue with the XXXX with the XXXX, the XXXX told me Nelnet agreed to accept my transcripts as proof of enrollment. I have provided the transcripts, but NelNet is still refusing to grant the discharge. It states it is relying on the information on the XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/23, my wife and I made a purchase to Ashley Homestore in the amount of {$4300.00} and chose to finance through the Ashley - Synchrony Credit Card which the sales representative XXXX XXXX stated would provide a term of 60 months at a 0 % interest rate during that term with minimum required payments. The provided documents during purchase and financing indicated " fixed APR '' to which we protested and asked XXXX if the document was correct and he stated " Yes, this is just the general form we use for financing '' and told me if I had any concerns after the purchase to just call he store. 

After the first statement was received on XX/XX/23 it indicated an interest charge of {$33.00} and reflected an interest rate of 9.99 % " Until Paid Off ''. 

On XX/XX/23 I attempted to contact Synchrony Bank via online chat to inquire if I was receiving interest and why this was occurring and was directed to call the merchant directly. 

On XX/XX/23 at XXXX XXXX  I contacted Ashley Homestore and spoke with XXXX as to how to proceed and inquire why I was receiving interest. XXXX stated she would speak with her sales manager and would contact me later that date. No call was received on that date. 

On XX/XX/23 at XXXX XXXX  Ashley Homestore was contacted again to no answer while being on hold for 9 minutes before the call ended. 

On XX/XX/23 at XXXX XXXX  Ashley Homestore was contacted again to no answer while being on hold for 14 minutes before the call ended. 

On XX/XX/23 at XXXX XXXX  Ashley Homestore was contacted again to no answer while being on hole for 8 minutes before the call ended.
Product: Debt collection

This company added a collection to my account for a debt which I dont owe. I tried to contact multiple times but I only receive a busy signal. I never received a bill or statement, just a collection added all 3 bureaus with no explanation of where the debt originated. All it states is " Medical '' on the collection however I have medical insurance coverage.
Product: Credit reporting

Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection Letters submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past  XXXX  hree to four  years, Equifax has not been updating the activities on my accounts and has not updated my credit report with new accounts. This includes accounts/activities from :  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX  , and  XXXX   XXXX    XXXX   XXXX   My credit reports from   XXXX   and   XXXX    are always up to date, but the Equifax does not update. As a result, my Equifax score is very low. I have submitted requests to Equifax on several occasions and have called and no one has resolved this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting to equifax that I have a charged off credit card account with them. The purchase was returned and the account was to be closed. There never was an amount due because I returned the item within 3 days and closed the account. I want this either changed to paid as agreed or deleted from my credit profile with equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Exeter Finance has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian has " validated '' accounts that do not belong to me! I don't think that Experian actually did an investigation at all. The accounts do not belong to me and have caused me financial inconvenience when looking to get approved for any type of housing or credit application. Ive been trying to fix my report and I've sent multiple letters to Experian, but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ), and i just found out about the new lawsuit that the CFPB came out with against them " CFPB Sues Experian for Sham Investigations of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers ' access to credit, employment, and housing. '' I NEED THE FOLLOWING ACCOUNTS REMOVED IMMEDIATELY, DUE TO NONCOMPLIANCE ON BEHALF OF EXPERIAN! 

Fraudulent Accounts follow as : XXXX XXXX / Account XXXX XXXX XXXX ACCOUNT XXXX XXXX / ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX  / ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX / ACCOUNT XXXX XXXXXXXX XXXX XXXXXXXX / ACCOUNT XXXX XXXX XXXX XXXX / ACCOUNT XXXX XXXX XXXX  XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX ... XXXX 

XXXX  XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX / ACCOUNT XXXX THESE ACCOUNTS HAVE NOT BEEN VALIDATED CORRECTLY. PLEASE REMOVED THESE INVALID ACCOUNTS IMMEDIATELY FROM MY CONSUMER CREDIT REPORT!
Product: Checking or savings account

Account with TransferWise Inc. was opened a couple years ago. After customer transferred money to account, they decided to close our account. So, we don't have access to our money.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXXXXXX  that's now a collection account. These accounts have resulted in several fraudulent hard inquiries from XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, EXPERIAN XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and fraudulent collections such as XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, along with some installment loan accounts with XXXX opened on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed US post letters to the Credit Bureaus of XXXX, XXXX, and Equifax XX/XX/2022 about responding to inaccuracies that is affecting my creditworthiness. I followed up 30 days later for update of letters, with no responses.
Product: Money transfer, virtual currency, or money service

Scam - On XX/XX/2021, around XXXX, I received text messages from Ally Bank that said as follows : TEXT - " ALLY BANK FRAUDULENT TEXT MSG ALERT : Did you attempt a transaction of {$350.00} @ XXXX XXXX # XXXX case id # XXXX. Reply YES/NO/ Don't want fraud text message alerts? Reply STOP. '' TEXT - " ALLY BANK FRAUDULENT TEXT MSG ALERT : Did you attempt a XXXX transaction of {$5000.00} Reply YES/NO/ Don't want fraud text message alerts? Reply STOP. '' These texts did not seem unusual to me as in the week prior I had been receiving legitimate messages from Ally reporting incidents of others trying to use my funds to make purchases, and so on XX/XX/XXXX I had had my debit card shut off and a new one was being sent in the mail. I assumed these messages were related. The next text told me a Fraud Department representative would be in contact.

I was then called by someone claiming to work for the Ally Bank Fraud Department. This person told me that someone had attempted to withdraw {$5000.00} from my account using XXXX and that, in order to get it back, I would need to retransfer the funds from XXXX back into my own name. This person seemed legitimate as they had access to all of my bank account information, though I'm not sure where they got it from. Following their instructions, I used a secondary email address and I submitted two XXXX transfers for {$2000.00} each into my own name, and I was asked to confirm the confirmation codes sent to my phone, however these transfers did not go to me, but ended up going to someone with a XXXX XXXX account by the name of XXXX XXXX. 

I have been messaging with representatives from Ally Bank since XXXX on XX/XX/2021. I am not able to call Ally and report the fraud until XXXX, which I will be doing. So far the customer representatives have done everything they can to help me, though I am filing this complaint as a way to insure everything is returned back to me in a timely manner.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I created an account with Experian in order to freeze my credit report. There had been fraudulent activity on my report so I signed up with two factor authentication in order to be as safe as possible. In XX/XX/XXXX I received an email that my account information had been changed but it was buried among daily promotional emails sent by Experian so I didn't notice it. I never received an authentication text from Experian that someone was trying to sign into my account, yet someone was able to change the email and phone number associated with the account. In XX/XX/XXXX I needed to unfreeze my account for a credit check but was unable to log in due to the fact that the email and phone number had been changed. Experian customer support to fix this issue is absolutely abysmal. It is not possible to get an agent on the phone that can assist you with this problem. The fact that it was so easy for some bad actor to change the information on my account and so hard for me to fix the problem is alarming. Many others online have had a similar experience with Experian. Experian should be removed from providing credit reports if they continue to offer this dismal level of support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that CREDIT BUREAUS has to get rid of : XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XX/XX/2023.
Product: Checking or savings account

Received two Letter one from Chime Visa asking to set up my direct deposit and another from XXXX XXXXXXXX XXXX to activate my high interest checking accounts Both are not accounts I have tried to set up. 
Contacted XXXX XXXX and they have closed the account. Chime is much harder to contact. In the process of trying to contact and close account.
Product: Credit reporting or other personal consumer reports

Experian and XXXX XXXX continue to report inaccurate information. I have exclusive equitable claims to my financial asset which is the contract that is the security for this transaction. I do believe XXXX XXXX has failed to accurately account for this transaction. The equitable interest payments and principal balance are due to me and XXXX XXXX is responsible for the taxes. Because I know XXXX XXXX has failed to provide a return on my investment I am notifying the XXXX XXXX XXXX to audit this account to ensure accurately. Experian should not be reporting any late payments on this account as the interest is supposed to settle any amount due.
Product: Bank account or service

I signed up for a CitiGold checking account promotion where XXXX bonus points would be granted if bill payment was used twice within 60 days. I have electronic confirmation that the promotion was linked to my account, that the requirements of the promotion were met, and that the points would be posted by XXXX/XXXX/16. On XXXX the points had not posted, so I inquired through chat and was told that they were scheduled to post that day. They did not post. 

I recontacted Citi on XXXX/XXXX/16. I was told that an investigation would be opened and I would be contacted by XXXX/XXXX/16 with the results. There was no contact on XX/XX/XXXX. On XX/XX/XXXX, I contacted Citi again and was told that they have no record of me being targeted for the promotion and the promotion was being denied. This is despite me having XXXX different confirmations by Citi - that the promotion was tied to my account, the criteria was met, and that the points were scheduled to post.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a curtesy correction for the loan number XXXX for the 30 day past due reported to XXXX in XX/XX/XXXX. Will Quicken write a letter to XXXX to remove the 30 day past due reported in XX/XX/XXXX or change it so it is not credit impacting? XXXX was a very difficult year, in addition to the pandemic, we had a house fire in XXXX, daughter hospitalized because of the fire and relocated our family to a rental home. I reached out to Quicken Loans in XXXX asking about options to help us financially while we got back on our feet. The Quicken representative I spoke with suggested a Forbearance Program, which was approved for loan number XXXX. We were granted 90 days, XXXX, XXXX and XXXX, we paid {$50.00} per month. Thank you, for that we are very grateful. The Quicken representative informed me on the phone in XXXX, we would need to make all the back payments for the loan at the end of the Forbearance Program, which we did. XXXX, we paid all three back payments as well as the XXXX mortgage payment, which brought the loan current. XX/XX/XXXX, I was informed by XXXX XXXX loan XXXX was reported to XXXX  as 30 days past due. We are living in a rental house and all of our mail has been forwarded to our new address. 
Friday XX/XX/XXXX, I received a letter from Quicken Loans our home has gone into foreclosure. The letter from Quicken was dated XX/XX/XXXX and arrived XX/XX/XXXX, our mail has been delayed since the fire because it is being forwarded to our rental address. I believe we followed the forbearance program policy as it was described in the letter, which I just received at the end of XXXX, see attached letter. It was my understanding the Forbearance Program would be credit impacting, only if we did not payback the back payments and return the loan status to current. I do not understand how my loan was reported 30 days past due based on the details outlined in the letter sent to me from Quicken. 
During the program I received no written, email, text notification from Quicken Loans that my loan was delinquent or being placed into foreclosure. I did receive several calls, sometimes several times per day asking me to refinance. I also received weekly calls telling me my loan was past due. I would inform the person on the phone we were in the forbearance program, the response was we will make a note on your account. The Quicken representative would ask when I planned to make the loan current, to which my response was at the end of the forbearance program, which is also supposedly noted in my account. 

I would greatly appreciate a letter from Quicken Loans to XXXX  Credit Bureau to remove the 30 day past due from my report. A good history of on time payments, a pandemic, a house fire and a prompt repayment after the forbearance program to bring the loan current, I hope will be enough to grant the request. 
We are living in temporary housing until XX/XX/XXXX. Temporary address is XXXX XXXX XXXX XXXX XXXX MD XXXX. 
SINCERELY, XXXX XXXX XXXX XXXX Mobile SSN # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Temporary Address : XXXX XXXX XXXX XXXX XXXX MD XXXX
Product: Debt collection

BUTLER LLC continues to try to collect a debt from 2007 that was paid. adding tens of thousands of dollars in interest garnishing wages. breaking FDCPA. refusing to supply the contract. 

XXXX and there legal department and debt collection lawyers continue to violate the federal debt collections practices act by adding XXXX in interest onto a XXXX loan where the contract clearly stated they could not. they took a debt that was XXXX years old. did not properly serve and gained a default judgment XXXX years AFTER the statue of limitations ran out. They REFUSE TO provide me with the contract so I can resolve this in a civil suit. Intentionally hiding evidence in order to gain judgments and steal from my family. they refuse to give me a copy of the original loan contract. they continue to get garnishments on a breached contract. a contract that stated they can NOT collect additional interest on this contract. A contract that hold an abirritation clause yet they refuse to provided the arbitration company. i have not only paid this debt in full they continues to take my wifes tax refund that we receive only because of the child tax credits and earned income credits. they have added interest onto the loan though it is likely they are hiding the contract so the full terms can not be given to a judge. the judge himself when i tried to file paperwork pertaining to these false claims made by XXXX and butler PLC that he did not have the contract. i tried to request them before the hearing and they refused to give them to me
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows 8 late payments after i checked my most recent report. I contacted the company to ask for verification of the late payments stated on my report but i have not received a response in regards to my disputes.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX, XX/XX/XXXX, I REQUESTED I Previously Disputed This I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. ON XXXX  DATE LAST REPORTED IS XX/XX/XXXXXXXX  PLEASE REMOVE FOR FAILURE TO UPDATE AND COMPLETE investigation IN THE allowed TIME EXP AND EF HAS ILLEGALLY ALLOWED THE CREDITOR TO REAGE MY ACCOUNT BY A YEAR PLEASE REMOVE THIS ACCOUNT FOR VIOLATION
Product: Mortgage

XXXX XXXX and XXXX XXXX authorized their agent to make a formal Notice of Error with respect to the federally related mortgage transaction which alleged account is presently serviced by Select Portfolio Servicing , Inc. on behalf of XXXX XXXX XXXX XXXX, Successor in Interest to XXXX XXXX, XXXX XXXX, as XXXX for XXXX XXXX XXXX XXXX XXXX. 

A foreclosure sale is scheduled for Tuesday, XX/XX/XXXX to auction our primary residence at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 

The Notice of Error was sent to SPS on XX/XX/XXXX by Certified Mail # XXXX XXXX XXXX XXXX XXXX and by e-mail to the SPS Ombudsman 's Office. 

Our agent provided a detailed analysis of the initial transaction, whereby the a filed lost note affidavit failed to establish who owned the Note when it was lost and other requirements under UCC 3-804. In addition, the analysis shows that the subject consolidated note was never in the physical possession of XXXX XXXX XXXX XXXX XXXX, the lender. Accordingly, XXXX XXXX XXXX XXXX XXXX could not assign to Plaintiff XXXX XXXX, as Trustee what it did not have. 

Our agent supplied a complete review of the transaction and the fatal defects therein, and also two graphic illustrations that tracked the note and mortgage, illustrating that Plaintiff in NY foreclosure action Index # XXXX had no authority or Constitutional standing to commence the action on XX/XX/XXXX.