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

I have inquiries that I have no idea where they came from. My credit report shows multiple credit pulls for my score, but I shouldn't have anything pulled. I haven't applied for anything new. 

In accordance with the fair credit Reporting act my rights have been violated. 

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

15 USC 1861 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Credit reporting or other personal consumer reports

Can you guys please remove extended fraud alert or fraud alert from my credit report please been having to jump through hoops so I rather remove immediately thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I used my rights to ask equifax to verify some accounts on my report, with Proof, because I had issues with verification of the accounts when I checked. I also asked on that date to remove any non- account holding inquiries over 30 days. I heard nothing from them about the matter I requested so I am sending a second letter requesting the same information, on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not tell me who they verified the Bankruptcy on my account with. I contacted the court and they advised that they do not credit report.
Product: Mortgage

My mortgage switched mortgage servicers. Previously I had your standard mortgage due on the first of the month with the 15 day grace period which wasn't great but doable with my income schedule. Now that the mortgage servicer has switched ; they charge me to make a payment online on their website. So, I went from always being current on my mortgage to always being charged fees on a monthly basis. I never would have agreed to a mortgage with such terms and I had/have no control over my mortgage being sold to a different servicer that implements such terms. This is creating unnecessary financial hardship for me as I have two mortgages that were sold to this servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

am writing to dispute a late payment that has been reported on my credit report. The account in question is XXXX XXXX DBA XXXX the account number is XXXX According to my records, I made a payment on XX/XX/XXXX in the amount of {$350.00} which should have satisfied the XX/XX/XXXX payment. However, this payment was not reflected on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXXXXXX XXXX  account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

I am entitled to a refund in the amount of {$130.00} from affirm/shoppay over an installment loan where the product was returned and the merchant ( quoddy.com ) issued a refund. For reasons which are beyond me, this refund was issued via check on XXXX XXXX, 2024. I was told that this refund would take approximately 30 days to arrive at my postal address. As of today, XXXX XXXX, I have yet to receive this check. My numerous attempts to reach out to affirm 's customer service have been fruitlessthe overseas customer service reps simply mention that the check has been cut and mailed, but at no point am I told when I can expect this money. This is dishonest and deceitful. I have no idea if any check has been cut, or if I will be receiving the money which I am owed.
Product: Credit card or prepaid card

On XX/XX/XXXX at about XXXX I received an email receipt from XXXX notifying me of a purchase on my Citibank credit card XXXX in the amount of XXXX. The purchase was not made by me and my wife was currently at the Dentist when purchases were made. I then logged into my Citibank mobile app to investigate and noticed a second charge for XXXX was also now pending. I immediately locked the card and reported it stolen via the app. I then called Citibank to dispute the charges ( the app makes you think you can dispute it via the app but it then says you need to call them ). 

I was under the impression that the charges would be reversed while the dispute was investigated. Perhaps this was an assumption I made based on my prior excellent experience with fraudulent charges on my Chase credit card. However, on Saturday, XX/XX/XXXX I noticed the charges were still on my statement and no longer pending nor reversed. 

I called again to check on the status of the dispute, but given it was a Saturday the rep told me I would need to contact their security department during the week for an update. I tried to get clarification on the timeline as to when charges would be reversed she believed it would be within 7-10 days was otherwise unhelpful. 

On XX/XX/XXXX, I noticed the charges still have not been reversed. I again called the dispute number listed on the website XXXX and spoke with XXXX ( Employee ID XXXX ) to verify the status and clarify timeline. She said she has submitted this with priority status and should expect to see the credit in 2-3 days. She also offered a XXXX $ account credit for my troubles. 

Today, XX/XX/XXXX the transactions have still not been reversed, nor have I received the XXXX $ credit XXXX offered. 

On a somewhat related side note for other consumers, I signed up for a Citibank checking account due to a XXXX $ promotion if you spend XXXX $ on the debit card and a qualifying bill payment. This credit was never received. I realized this after I started this dispute and called them about it and the rep said it was scheduled to post on XX/XX/XXXX, but it never did. 

It appears Citibank does not honor their verbal commitments and thus I feel it necessary to send a written letter to dispute and required by CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an ID theft victim, today I tried to get my free credit reports and tried calling to no success. My XXXX report I downloaded is not in my phone as a PDF, its missing. I am not getting my emails of the information. I am compromised and the old information to get me logged into my credit reports are wrong, therefore I can not correct or dispute anything. My correct phone and email is XXXX, and email is XXXX : I can never get anyone on the phone and when i do I get disconnected! How do you fix this issue? I am being hacked in every way. My phone service, emails, phone, work, personal, social media everywhere!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my FICO score credit rating went down for the months of XX/XX/XXXX to a score of XXXX, and XX/XX/XXXX to a score of XXXX. My score was always above 800.My score for XX/XX/XXXX was XXXX. I called FICO ( Discover card ) numerous times and was told it was in escalation and they would check on it My last call was on XXXX XXXXIt also shows that I missed a payment.I did not miss a pymt. I always pay my bills on time.I was told that FICO gets their information from XXXX I Icalled XXXX and was told that there wasn't any missed pymts.I also printed out a hard copy of my report from XXXX and could not find anything wrong with it-nothing for the past 5 years.I paid {$22.00} for the report.When I called FICO they told me to call XXXX.When I called XXXX they told me to call FICO.I can't get a straight answer.I obtained a score from XXXX, XXXX, XXXX XXXX, and XXXX XXXX.All scores are above 800.I don't know why my FICO score went from XXXX to XXXX, everything is paid up and on time.I CAN'T GET ANSWERS.I would appreciate your help.Thank you.
Product: Checking or savings account

On XXXX XXXX, 2022, utilized chat service offered through XXXX to request account closure. During the chat, representative advised account would close after nightly processing. At the time, I assumed the account was closed and no futher activity would occur. However, on XX/XX/2022, I received notice in the mail of an overdrawn account. I shortly thereafter logged into online banking to find the account had not been closed as requested and confirmed by representative, and that a monthly service charge has been levied for XXXX and XXXX, putting the account into a negative balance.
Product: Student loan

I am writing to address significant concerns that I have been experiencing with Federal Student Aid and my current federal student loan lender, Aidvantage ( previously operating as XXXX ), regarding my federal loans and my approved Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) which have been ongoing since XXXX. I understand that XXXX time as a servicer on behalf of the Department of Education was marked by failure, scandal, and unparalleled borrower harm resulting in law suits and it appears that Aidvantage is on the same path as demonstrated by what I have been experiencing. 

I have been a dedicated public servant working for the XXXX XXXX XXXXXXXX since XXXX. I work in the XXXX XXXX XXXX XXXX XXXX XXXX serving the XXXX XXXX XXXX most vulnerable populations. When the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) was announced during the pandemic, I applied. Also, during the pandemic, I experienced unfortunate circumstances with a deceptive contractor that led me into bankruptcy. 
I applied for TEPSLF months before my bankruptcy was confirmed and was also informed by the Department of Education that my TEPSLF was approved and that my loans were being transferred to XXXX months before my bankruptcy was confirmed. Aidvantage is refusing to transfer my loans to XXXX despite my application and approval prior to my bankruptcy status. Furthermore, Bankruptcy Judge XXXX XXXX also ruled that the bankruptcy stay does not apply to the transfer of my student loan debt from one servicer to another or my application for re-aging and forgiveness of the debt.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Bank account or service

I had an account with BB & T Bank. When I opened my checking account I specifically stated I did not want them to process any transactions that would send my account into an overdraft status. I clicked on the " opt-out '' link. BB & T allowed many transactions to go through on several occasions which resulted in exhorbitant overdraft fees. I paid BB & T for some transactions. I even spoke to a representative who stated she saw where I " opted out '' and she refunded my money for this. However, BB & T continued to allow transactions to go through and now they are trying to collect these funds from me. I have spoken to several representatives in customer service trying to resolve this matter but to no avail. I do not believe I owe BB & T any money because of their negligence. I want them to cease all collections activity and to remove all disparaging information from Chex Systems, Telecheck and any other consumer reporting agency that they have reported this information to. It is not right for them to disparage consumers based on their negligence.
Product: Credit reporting or other personal consumer reports

I am following up on a complaint regarding fraudulent activity identified on my credit report. After submitting an identity theft report to the Federal Trade Commission ( XXXX XXXX XXXXXXXX ), I am requesting the removal of the following account, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), reference number XXXX. Attached are the documents needed to facilitate this process. Please find below the account details as reported by each credit bureau, opened without my authorization : XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00}. According to FCRA Section 605B ( a ), credit reporting agencies are required to remove any fraudulent entries from a consumer 's file no later than XXXX business days after receipt of a claim.
Product: Mortgage

I fell behind on my loan back in XXXX of XXXX due to my divorce. My income was reduced by 50 % which caused me to default on the loan. I made several attempts to reinstate the loan but could not afford to do so. I applied for a loan modification but did not qualify due to my lack of income at the time. I got so far behind and in fear of foreclosure that I had to relocate in order to find a new better paying job, which still did not afford me enough money to bring the loan current. I have now been in the process of applying for a short sale for the past 6 months and have brought several offers to the table but SLS is not taking into account the repairs that the home needs which is why I have not received any offers that will pay off the balance of the loan in full. The appraised value of the home came in at {$120000.00} on XX/XX/XXXX and I have submitted various offers above the appraised value for the short sale and SLS outright refuses to accept any of the offers and will not provide the minimum amount that they are willing to accept in the short sale, basically refusing to work with me on any resolution that I attempt. Please help me get this resolved, I am trying to rectify the default but the lender refuses to work with me and I do not want to suffer the consequences of a foreclosure on my credit when I have been trying to resolve this for close to two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I filed XXXX XXXX Bankruptcy. I wanted to keep my vehicle so it was excluded in the XXXX XXXX. I attempted to make payments during the period before the discharge but the lender would not accept payments until after the discharged. On the Transunion credit report it is reporting 120 days late. That is not correct.
Product: Mortgage

I have the Home Equity Line of credit with Citizens Bank since XXXX XXXX. It 's an adjustable rate based on Federal prime rate. Initial rate is 3.09 % APR. I paid regularly and never late for my payments. I borrowed {$110000.00} initially but increase to {$160000.00} in XXXX XXXX to cover my boys student loans.. And now my balance is down to about {$130000.00}. This year they increased my APR 3 times- XXXX XXXX to 3,10 %, XXXX to 3.35 %, XXXX XXXX to 3.6 % .When I call consumer finance department of the bank - representative, XXXX XXXX replied that the rate increase is based on XXXX XXXX XXXX rate .
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, DISCOVER BANK number : XXXX date XX/XX/year> XX/XX/year> .Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Money transfer, virtual currency, or money service

Someone sent a check from XXXX to buy shies he sent more money than expected of XXXX and let me send the money to a shipping company through XXXX so i sent the XXXX through XXXX once i learned it was a scam i reported it to the bank wothin two business days as per eft act i am not liable for anything as i reported it within 2 business days im struggling right now die to covid hope this gets resolved i have the email address to whom i sent through XXXX the check and dates and address of where he shopped the check. Sent it through bank of america app and already got a response that they cant do nothing
Product: Checking or savings account

Hello iam the owner of XXXX XXXX  XXXX open one cheking accout whit DISCOVER BANK i am recive a loan from te XXXX and deposit in the accoun of the discover bank the bank star to supplie alot of documet social numer adress one of the emolyes tell way iam make a accuont becuse i am not speek good iam servicies in th XXXX XXXX for 12 years for defend my coutry the lady toda tell my i net waite 60 day befor take may money bank for send my money back this money is frond he US govermment is a loand for pay years 30 days I net my money Back ASAP
Product: Debt collection

I previously checked my credit report in XXXX XXXX and disputed this information from a company Complete Credit Solution. Original Creditor : XXXX Amount : {$1600.00} Open : XX/XX/XXXX, However, I disputed that this account was not mine and I would like for them to send me documentation that I applied for it and no one ever responded or reached out. I went ahead again in XXXX of XXXX they started calling again which seems to be their normal tactics and harass me again and I did answer my phone and the young lady was very rude an unprofessional and refused to give her name and a call back number, because I couldn't call her back from the XXXX she called from and I was to pay bill in not so nice way or they will make my life XXXX. So I filed a fraud report with the police department and they were not happy and still refused to speak with the detective and refused to give me any information on my case about the account on my credit. They are asking me to provide bank statements from XXXX  XXXX or a notarized letter stating that I did or didn't have an account with them from XXXX XXXX however they went out of business in XX/XX/XXXX if I am correct. The number listed on my credit report they will answer but refuse to speak with me and directed me to file a complaint on your website.