23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, a fraudulent check for XXXX was deposited into my checking account. Subsequently, a withdrawal of around XXXX was made ( amount of the deposit they made available ). I do not know how either action took place. I just know that they were not made by me. When the check was returned " refer to maker '' the bank began the process of closing my account due to fraud. They would not allow me to access the money in my savings account or make my checking account whole. They also would not allow me to access the mobile ap. They sent all notifications of this event to the mobile ap however, so I was not aware that this happened until I went to make a withdrawal from my account on the XXXX. I just received the written information today that there is an investigation and the intent is to close my account and send my money via a cashier 's check. I am a XXXX XXXX  and have been working 2 jobs all summer to limit the amount that I need to work during the school year. I have a car payment, insurance payment and school rent payments to make and I can not do so because the bank has my money. I didn't do anything wrong and now I am being punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

can not get my credit report when i apply for credit they can't see my credit score or credit report does not have my address on file i have sent them a copy of my drivers license they still do not update i tried paying for credit score they still won't give me my credit report or credit score only shows old credit report from XXXX  on nothing current and refuse to give me my credit reports or credit score. 
can not get my credit report when i apply for credit they can't see my credit score or credit report does not have my address on file i have sent them a copy of my drivers license they still do not update i tried paying for credit score they still won't give me my credit report or credit score only shows old credit report from XXXX  on nothing current and refuse to give me my credit reports or credit score. 
please update my credit file with a correct address of XXXX XXXX XXXX XXXX XXXX wi XXXX and give me my current credit report and score or i will file lawsuits you are requried by law to update my credit file with the correct information. please fix my credit file and give me the correct credit score and credit report or i will file lawsuitscan not get my credit report when i apply for credit they can't see my credit score or credit report does not have my address on file i have sent them a copy of my drivers license they still do not update i tried paying for credit score they still won't give me my credit report or credit score only shows old credit report from XXXX  on nothing current and refuse to give me my credit reports or credit score. 
please update my credit file with a correct address of XXXX XXXX XXXX XXXX XXXX wi XXXX and give me my current credit report and score or i will file lawsuits you are requried by law to update my credit file with the correct information. please fix my credit file and give me the correct credit score and credit report or i will file lawsuits
Product: Payday loan, title loan, or personal loan

I have an account with One Main Financial. They are reporting interest that have not accrued yet on the loan monthly to all three Credit Bureaus. On my credit reports its stating I owe One Main Financial {$11000.00}. I only owe a balance of {$7400.00}. In the month ofXX/XX/XXXX, I disputed the amount they said I owe via certified mail to XXXX with my supporting documentation print out from One Main. XXXX received the information onXX/XX/XXXX. Weeks later, the correct balance was updated to the amount then that I owed which was {$7500.00}. Now this month One Main has updated it with a balance of {$11000.00} which is inaccurate. This month of XX/XX/XXXX I sent in via certified mail to XXXX along with my supporting documentation of how much I owe they received this information on XX/XX/XXXX, I called XXXX on today XX/XX/XXXX to see if my balance has been updated to the correct amount. The representative informed me it did, I then proceed to ask her what balance it was stating, she said, " it 's an update of {$11000.00} ''. I made her aware that the balance is still incorrect and informed her I even sent in supporting documentation that came from One Main saying how much I actually owe.This is an ongoing situation where they updated the correct balance when I first sent in the dispute to XXXX, now they are back to reporting an inaccurate balance to all three Credit Bureaus that I do n't currently owe.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b-2 company also has NO permission to report ANYTHING using my info pursuant 15 USC 1681 4. I have requested 3 months ago to provide the original wet signature contract between Me and XXXX XXXX XXXX, also license to collect a debt in my state. Including the license number and the name on the license to collect a debt. Equifax removed the item and 10 mins later XXXX XXXX XXXX reinserted the item. I demand permanent deletion of the negative item.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted on XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter is for : Lightstream  XXXX Balance {$4600.00} Open Date XX/XX/XXXX I kindly request that this matter will be promptly solve by Lightstream. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than 30 days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company asking me about loans that I have never applied for. I immediately registered to XXXX  XXXX to check my credit report. I found student loans and other accounts that do not belong to me. These accounts need to be deleted from my report. These accounts are fraudulent and are not mine. 

XXXX XXXX XXXX {$1500.00} DPT ED/XXXX XXXX {$1700.00} XXXX  XXXX {$430.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$7900.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Debt collection

The debt collector called my work number and I explained that I am not able to talk at work, because I take calls to assist patients, that is my job, I can not have personal conversations on my work phone when I am supposed to be working
Product: Credit reporting or other personal consumer reports

There are several inquiries that I require proof of a permissible purpose. PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX I AM A VICTIM OF IDENTIFY THEFT
Product: Vehicle loan or lease

I paid off my auto loan with TD AutoFinance in XX/XX/2019. They did not send the title documents then. I contacted them on XX/XX/2019 to get the title documents. They told me that they would overnight the title documents to me and that I should have them by XX/XX/2019. On XX/XX/2019 I contacted them again to find out where the documents were. They told me that XXXX wouldn't deliver to my address. Note, XXXX regularly delivers packages to my address. They did not contact me and did not deliver my documents. I called again on XX/XX/2019, they still had not mailed or used XXXX to deliver my documents. They did not know how long it would take to send my documents. 

They told me that they were very busy and my information was " in line ''
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I first sent a letter regarding inaccurate and unknown things on my credit report, and on XX/XX/XXXX I sent a follow-up letter regarding the same inaccurate reports, to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report, and seeing as how it has been over 60 days they should be removed. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

XXXX XXXX XXXX purchased my debt from US Bank. 

On XXXXXXXX  my representative, XXXX, contatced XXXX and negotiated a settlement for {$680.00} to settle the {$1300.00} debit. XXXX did take payments on XXXX, XXXX. XXXX stop taking the payments and then sent the debit to XXXX XXXX where it was renegotiate back to {$1000.00}. That agreement has now been paid again but XXXX will not remove the collection from my credit report.
Product: Debt collection

I am disputing the charge of {$470.00} on my credit report from XXXX XXXX XXXX. Apparently a final bill that I never received. {$510.00} seems high for a residential utility bill?? however if that was the final bill I had with XXXX the {$50.00} refundable deposit would have reduced the bill to {$460.00}.?? I dont know ... this is not my bill ... 
Please help me to resolve this issue to clear from my credit report. It is being reported by all XXXX bureaus. 
Attached is a copy of my XXXX application and refundable deposit amount. 
My desired resolution with XXXX XXXX XXXX is to show this bill as Paid as Agreed or even better deleted from my credit report as it is showing under collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a co signer on a vehicle financed with Santander USA. My husband and I filed for divorce and he was ordered to refinance the vehicle in his name. Santander USA made multiple collection calls to me. I tried inquiring information regarding the balance but they refused to give me details. They just kept asking me how I wanted to take care of it. Even after I explained that the primary account holder was ordered to refinance the loan they said I was financial responsible. I asked how can you hold me financially responsible but will not give me access to the account or give me any details about amounts due. They refused to disclose any information regarding the account. They reported against my credit but never sent any letters to me to explain anything was past due. I disputed credit reports and Santander updated some of the past dues. It is against the law to report to credit bureaus with providing any information amount debt owe. They told me when the account closed they would remove it from my credit history. Now I cant get it removed because they have no number to their credit department. Its causing my credit to be damaged.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my XXXX consumer credit report and noticed it was several inaccurate and incomplete accounts. According to the FCRA its illegal to report inaccurate and incomplete items. By law you are obligated to investigate these inaccurate accounts. 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 of inaccurate or incomplete. 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. Please remove these accounts immediately! Thanks! 

XXXX ( account number ) - XXXX Tower loan ( account number ) - XXXX XXXX XXXX ( account number ) XXXX XXXX XXXX ( account number ) XXXX XXXX ( account number ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Good morning, On  XXXX   XXXX   2016 I o rdered  XXXX  pills off of a page on  XXXX . It said I only haf to pay for shipping and handling.   I got a text from my Bank to authorize the transaction. It was  XXXX  amount s :  XX/XX/XXXX   -  XXXX  - {$4.00} ( Declined ) ;  XX/XX/XXXX  -  XXXX  - {$1.00} ( Approved ) ;  XXXX  -  XXXX  - {$4.00} ( Approve d )  The total was {$11.00}.   I accepted that.     A few days later I got the wrong product. It also contained gelatin, which I 'm  XXXX  to.   I sent them an email telling them I received the wrong product, I was told to call customer service.   Being that it was a   XXXX   XXXX  , my mom said to forget about it. She would take the pills.   I thought that would be the end of it.   A few days later I was checking my bank statement and saw to transactions that I had not made.  XXXX  of them for {$79.00} and another  XXXX  for {$69.00}. I was waiting for them to be posted so I could contact the bank ( they were still pending ).   When I called the ban k ( B ank of America ) I was told to call them, the scammers, and ask for a returner address and return the product being that it was never opened and to close my account. When I called the scammers on  XXXX   XXXX  they said there was nothing they could to about it, they do n't accept returns and I was outside of the two week trial. I did n't even know there was a two week trial. That said that when I signed up for it I was accepting to be billed every month. I would have never signed up for it if I had known, I would have paid a few extra dollars and ordered it off of  XXXX .   I was offered a 50 % refund, I kept on fighting over the phone, then a 75 % refund and that was all that could be done. I kept on telling him how it was all wrong, etc. They are scamming people, ripping them off and that 's just not right. I asked them to close any account I did not open with them so that I would never be charged again.   I called my bank back and the person who attended me said that I should just take it, being that there was fine print that they probably would n't be able to do anything about it and I would n't get anything back.   Now I 'm waiting to get my {$110.00} refund.   I still want the other {$37.00} + shipping. I never even received the proper product.   I work very hard for my money, it 's not right for people to just take it away like that.     Thanks.
Product: Credit card

My husband lost my credit card almost a month ago. Someone reported it lost. Citi called me to let me know theyre closing the account and reissuing a new card. A few weeks go by, and nothing. Then last week, I called to follow-up about the card not being mailed and they told me my new account was permanently closed by requesting. I reached out to the supervisor on duty that day with Citi, and they said they will give a redetermination. A few more days went by, I called to check the status, and they said it was denied. They submitted another one that is currently pending as of today. This whole ordeal is highly inconvenient, since its apart of my protection as a consumer to have my account protected by the company deactivating my old card and issuing a new one, now I am without a credit line because they refuse to reopen this. I think its a violation of their own terms, and an unfair decision to close my account when I have done NOTHING wrong. I have perfect credit payment history, and to be punished for losing my card is really upsetting.
Product: Mortgage

On XXXX, I received a letter of " please provide property insurance information '' from the lender Mr. Cooper XXXX asking me for proof of XXXX insurance. I believe it was wrong, since my XXXX XXXX insurance already contains the property insurance they need. The XXXX  insurance is an all inclusive wall in insurance. 

Every since that, the night mare begins, I submitted their required document multiple times through their portal, by emails and called them multiple times. This wasted me more than XXXX hours in total. 

Every time, the company told me " wait for XXXX business days '' for update. or " we will call you ''. But there was never a call back or any response. When I asked the customer service multiple times " How can I know you guys have processed, approved or rejected '', they always say " check the website ''. 

And today I received the final notice saying " you have to buy the insurance, otherwise we will buy it for you ''. 

The lender failed to respond or communicate with me, and tried to gain benefit trough the whole process. I believe I am not the only victim.