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

THERE ARE MULTIPLE INQUIRES THAT ARE LISTED BELOW THAT ARE REPORTING ON MY CREDIT REPORT THAT WERE NOT AUTHORIZED BY ME. I HAVE REACHED OUT TO XXXX SEVERAL TIMES, I HAVE SENT LETTERS AND NOTHING HAS BEEN DONE. THESE INQUIRIES THAT ARE REPORTING ARE ALSO DUPLICATED INQUIRES WHICH I HAVE BEEN ASKING TO BE REMOVED.
Product: Student loan

On Tuesday XX/XX/XXXX, I called XXXX XXXX twice in regards to changing my billing date so I would have the sufficient funds to make the payment. I talked to a regular worker for customer service and then I requested to talk to someone higher up and she gave me the same answer the previous employers told me. The latest date that they could change it to was the XXXX. I am unable to make the payments at that time because I will not have the funds to cover that amount until I receive my second paycheck for that month and the following months to come. I have been told that there is a grace period of 15 days until I am notified that I am late on the payments.The suggested that I make the payments past the due dates and it wont be marked as late. My mother, the co-signer, does not have the funds to help with the payments each month and I am in the process of trying to have her released as the co-signer. Consistent on-time payments is a large factor that is looked at when deciding to release the co-signer, and since XXXX XXXX is not willing to work with when I can pay the amount and is suggesting to make the payments past the due date, they are ruining my chances of having her released.
Product: Debt collection

I got a XXXX alert that my credit report has " changed. '' Incidentally, when I signed in, I saw a Hunter Warfield collection. It had raised approximately {$25.00}. I was not aware that it was there. I have never purchased any products or services with this company. ( I have been a victim of identity theft  in the past, so this is likely a product of that unfortunate experience. ) Nevertheless, I observed that the amount they are attempting to collect is in excess of what they say the original balance was by {$1400.00}. ( {$5700.00} and XXXX respectively. ) And the site displays a difference of thirty-five per cent. This creditor ( whomever they are ) is in violation of the Truth In Lending Act because raising the balance they are attempting to collect requires notification of charges to the consumer. {$1400.00} is excessive, even for someone that would have even incurred the original debt. I have received nothing by mail, nor any other collections conduit to have been notified of said " balance increases. '' Furthermore, it is only recently ( the past week ) that I have taken notice of the XXXX dollars. Presumably, this has been going on for several years, perhaps even prior to me even monitoring my credit and has gone unknown and thereby Hunter Warfield Inc., is likely to have been violating my consumer rights the entire time without my knowledge that there was even a collection in my name. I never opened an account with this company, nor have I ever incurred charges with an agency at the mount of {$4200.00}. This is very upsetting and I ask that they do not contact me at this time, rather they may respond via CFPB. A dispute has been issued via XXXX
Product: Checking or savings account

I close my checking and saving accounts. At XXXXXXXX XXXX The Citi bank customer service representative told me will mail the check of {$7100.00} to my address in XXXX. XXXX. But I never got the check, at XXXX XXXX I called them again, the customer service representative told me the check was returned. And she will mail the check to my address list in XXXXXXXX XXXX.in 3-5 days, but I did not receive the check till now. 

The citi bank just cheated me, and get my money in the accounts and didnt want to return to me.
Product: Checking or savings account

I unfortunately was the victim of an IRS scam. I received this letter in my mail in XXXX stating I owed the government {$240.00}. Knowing I actually do owe the IRS money, I signed a physical check and sent it in the mail. The next month ( XXXX ) I received another letter stating that I owed {$380.00}. Subsequently realized I needed to check my IRS account and put it together that I was scammed. I contacted my bank Santander and told the representative what had happened. I found out that the scammers had cashed the physical check I sent them as an electronic check which apparently threw up red flags from my bank. I was awarded a provisional credit and was told to keep that bank account open so the money could be deposited back into my possession. There was supposed to be a block put on the account that only allowed deposits into the account and no withdrawals. By the time that investigation was over ( XXXX business days ), the moment my money hit the account again, somehow the scammers were able to forgo the withdrawal block on my account and take the freshly deposited provisional credit out of my account. Speaking to Santander representatives again, I was told the only way that this couldve happened was if I verbally told an employee to force withdraw this money. Which I did not. So another investigation was opened by my bank. It was determined by the bank that the second investigation/instance of my money being stolen that nothing was going to be done. Their reasoning was that I had signed the physical check and by that instance I was at fault. However, this was already discussed during the first round of investigation into this matter when the provisional credit was approved to my account. The only reason that the scammers were able to take the provisional credit is due to a faulty security block that the bank assured me would protect me from this happening again. I have record of the second letter and that second letter was submitted by my local bank as evidence into the investigation. Despite Santander stating that there was no documents submitted. My liability for this matter ended as soon as the bank approved me for a provisional credit and the banks liability in this matter began when they gave me a faulty security block on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to get verification from accounts on all three credit bureaus. i have seen no validation of debts.
Product: Credit reporting or other personal consumer reports

I keep asking them to prove to me that this account belongs to me. They have sent me no contact no signature, no bill with nothing that proves that this XXXX XXXX account belongs to me. This is not fair that they are allowed to do this. They need to provide proof. I had at @ t since XXXX
Product: Debt collection

I was called by XXXX and told that i had a ZERO balance and the bill would be taken written off since the doctor received an explanation of benefits stating my insurance has paid in full.. I still saw the bill on XXXX and called them back and XXXX harassed me!! Told me I was wasting his time & continued to ignore my question and said no one here told you that do you want to pay or not? I was advised by XXXX XXXX reached out to a XXXX over at the providers office who was the head dog in billing and could verify if a XXXX was really received I then called back to the debt XXXX office where I spoke with XXXX who works with XXXX XXXX XXXX and asked if he was able to provide me with the number to the providers office where XXXX was located he provided me with a number and I called and there was NO XXXX in billing so I called back and spoke with XXXX and advised I would like some clarification since receiving his previous information & he said listen XXXX officially confused me and theres nothing else I can do you gon na pay or not? I asked for a manager and he said no, there is no one here for you to speak with
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/2021 I sent money to someone using XXXX. This person had sent me pictures of a kitten, signed a sales contract and was ready to deliver this kitten. Once delivery day approached I got a bit nervous as I hadn't heard from this person. The total amount was {$950.00}. I immediately contacted my bank and they said there was nothing they could do as this money was already sent to the person. I found this very hard to believe. How can a scammer continue getting away with this if the bank won't fix the problem? 

The bank is PNC Bank.
Product: Consumer Loan

I have a car loan with CPS, the original loan amount was {$9100.00} ( XX/XX/XXXX ), Interest Rate 25.50 %. As of XX/XX/XXXX I have paid {$14000.00}. Interest on {$9100.00} is about {$2300.00}. Total that should have been paid is {$11000.00}. I believe I have over paid by about {$2600.00}. CPS still shows I owe {$1600.00}.
Product: Vehicle loan or lease

Since my loan was signed electronically, I was not provided certain disclosures that are needed to proceed with an XXXX. Originators failure to obtain express written consent by parties to conduct the transaction by electronic means or failure to properly capture all electronic signature authorizations and a lenders failure to deliver all required disclosures electronically. I never received all the disclosures where it pertains to signing a promissory note online and never was given the option. Part of the e-sign checklist states was " Prior to giving his/her consent, is the consumer given a clear and conspicuous statement ( notice ) of his/her right or option to have the record in paper form? '' Please show me where this was given because I would've much rather have the paper form but never was given the chance to do so. Where the XXXX is stored and maintained by the lender or the lenders designated custodian is what is typically referred to as an electronic vault or eVault. In order to be able to prove up the enforceability of an eNote in court, lenders must be capable of demonstrating that the XXXX has not been impermissibly altered since it was signed by the borrower. The XXXX is a critical component to the enforceability of XXXX. In addition, lenders XXXX need cooperation of third-party vendors ( such as mobile or online loan application and origination platforms ) in proving up the processes, procedures and disclosures involved in XXXX from application through closing. Please provide me the authoritative copy of the contract for the vehicle to show validity and I am also revoking the security interest, right to repossession and power of attorney. This will be much easier for both of us to avoid going through the court system and save Navy Federal money.
Product: Credit card or prepaid card

there was four transactions, in which i didn't make. i reported them as soon as i found out about them, that was XXXX. the claims dept. was closed so i filed a claim on XX/XX/XXXX. they happened at an atm on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. each transaction was for the same amount XXXX dollars. they denied the claim on XX/XX/XXXX. they made a decision in 4 days, 1 of the days was a holliday. they sent me a denial letter stating if i want to reopen the case or if i have more info that could help my claim, to call there claims dept. and i did call, and requested the info they used to make there decision, and to submit a police report. i faxed them a copy of the police report and reopen the claim. they denied me two more times. i have requested the info they used to deny me three different times and they still havent sent to me. The claim number is XXXX XXXX XXXX i have reciepts from faxing the police report to them. i have the denial letters from them. I dont know why they are denying my claim and i dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REQUEST NOT A DUPLICATE* I love the fact that people are working for this company and DONT KNOW THE LAW They truly are not investigating nothing. THEY DO NOT SEND OUT UPDATED REPORTS. THEY DO NOT VERIFY INACCURACIES AT ALL. I WORK IN CREDIT REPAIR AND I KNOW THE LAW. I ALSO KNOW I CAN SUE THEM. FOR THE FOLLOWING : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are reporting this account every month since XXXX as a XXXX trying to make it newer than what it actually is which is a misrepresentation of account status. WHICH IS AGAINST THE LAW. DELETE IMMEDIATELY XXXX. They have the same account listed twice on my credit report as XXXX XXXX XXXX XXXX  if you investigated like you said you do, you would know THIS IS THE SAME ACCOUNT!! Reporting as XXXX on my credit report every month as a newer account when this account is listed as closed since XXXX. Another misrepresentation of account status. DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX claimed ND on my credit report for 2 years now showing as XXXX all of XXXX. Misrepresentation of account status DELETE IMMEDIATELY. Trying to report the account newer than what it is. 
XXXXXXXX XXXX XXXX account listed as XXXX and Repo date XXXX. Did not give me a chance to repurchase the property. Did not invite me too the auction. They failed to try to recoup any money. I AM CHALLENGING THIS. SEND ME WHERE THEY DID THIS! 

You can keep lying to CFPB and telling them you are sending me method of verification letters. I know you are not, and I have every dispute, every letter, every phone call conversation and so does my attorney.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

All of my personal identifying information was involved in a large scale data breach resulting here in XXXXXXXX XXXX which made national headlines. I was told that due to this data breech the disputed information would be removed immediately within 4 days under section 605B? Not the 30 days it usually takes. Here I am months and months later and now have lost a home from these reports and is still not removed. Not only that but I am unable to even update my personal information to the new safe email and phone number that is listed here. I am concerned that there will be future problems if the bureau continues to use my old information KNOWING that this breech occured to which I was a victim. I continue to follow dispute after dispute with no luck and I need someone to help me please before I end up homeless on the street from someone else 's lack of ethic and character and morals from stealing the information that is supposed to be used to identify me as a person! I thought I was supposed to dispute the validity of the debt as my own not realizing that since it was a data breach that the criminals used my information improperly to make it appear as if it was my own information and valid. So that part was my mistake, but still upon calling and getting the runaround from XXXX  many many times and only being able to speak to automated systems through most of it and finally reaching a person explaining the situation and then being sent back to automated systems I don't know what else to do. I even purchased an XXXX  membership thinking that would help.The only information negative on my report is my XXXX  loans. Every other collection and negative account are not mine. The personal identifying information of the emails and the phone numbers are no longer mine, but I am forced to use those to log in and then answer my security question since I can't get a text to the phone number or an email even to what they have on file. So I don't know maybe I have to follow a claim with you guys for XXXX AND these collection accounts separately?? But due to this data breach I was repeatedly told that I just had to let them know it would be removed within 4 days and I just want them gone off my reports. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Product: Mortgage

" Borrower '' sent XXXX  " XXXX '' email to XXXX on XX/XX/2016. " Borrower '' never received a response from " Shellpoint '' to the XX/XX/2016 email to " Shellpoint '' escalations email. 

" Shellpoint '' neglected to send a letter in response to " Borrower '' XXXX  " XXXX. '' Instead, " Shellpoint '' sent a letter to the Connecticut XXXX XXXX XXXX
Product: Payday loan

Fast bucks made a draft check submitted to my bank account with out my ok they paid loan off {$480.00} i was not notified about this transaction my bank information was not to be used in any form of payment! i was only One month late i always paid on time with debit card or cash called fast buck employee said district manager would call me back and she never did!! So wrong! thank you! also filed complain with bank they are investigating also
Product: Credit card or prepaid card

This all started after I pulled my credit report in XX/XX/XXXX I noticed there was a credit card for Citibank/AACBNA. The account was opened on XX/XX/XXXX. The balance for the credit card was {$2500.00}. I did not open this card nor did I authorize this card to be open in my name. Then I called the number on my credit report for this company. I then got the run around I was transferred all of the company. I then got sent to the correct department and was told this card was for XXXX XXXX with Citibank. I gave them a verbal dispute over the phone. I called my monitoring service and told them what I found on my credit report. They told me what to do for my monitoring service to step in and do casework. I got all of my documents together and sent them to my monitoring service so they could send out a dispute package. I sent my monitoring service the documents they requested which were police, power of attorney, identity theft affidavit, proof of address, drivers, and my social security card all copies. The dispute was sent on XX/XX/XXXX, and was sent certified mail. I received a letter from cardmember services stating they flagged my credit report as disputed and did not give me a reason on my why my dispute was denied. Also there was not a phone number for me to call to see why my dispute was not honored. This leads me to believe my dispute was not read or investigated
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 XXXX AND EQUIFAX 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, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Date of Inquiry : XXXX XXXX
Product: Debt collection

I first got a letter from credit protection association to pay my bill I was worried and payed it off right away and now they have been harassing me through mail and phone, one male on customer service was very rude was yelling at me and saying my payment did n't go through and if I did n't pay my credit will get hurt. The latest letter i had is XXXX/XXXX/2016
Product: Credit reporting or other personal consumer reports

I just discovered incorrect accounts on my credit report this morning, and Im absolutely devastated because I dont know why this is happening. Ive always checked my report routinely, and everything has been fine until now. I even tried refreshing the browser, thinking it might fix the issue, but it didnt work. Please review the documents I sent ; I cant handle this stress any longer.