23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX  Balance {$19000.00} XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS HAS MULTIPLE ENTRIES ON MY CREDIT REPORT WITH ASSUMED DEBT FOR ( 3 ) DIFFERENT AMOUNTS, NO ACCOUNT TYPE LISTED & NO ORIGINAL CREDITOR LISTED ONLY THIS COMPANY WHICH I DIDNT RECIEVE CREDIT FROM TO HAVE AN UNPAID DEBT IN THE FIRST PLACE.
Product: Student loan

I contacted Sallie Mae concerning filing for Student Loan Forgiveness Program. They put me on a Forbearance and told me what information to fax to them. ( XXXX ) Was told it may take some time. When I didn't receive information about Loan Forgiveness I kept calling and checking. Next thing I know I had been placed with Navient. They finally said I hadn't faxed the paperwork ( 6 mth. later ). Sent it in again many forbearance 's by this time. Kept being told it was in process. Then I started getting lack of payment bills. I did not receive anything in the mail talking about the forgiveness paperwork I filed. Offered me another forbearance. The next thing I receive is them demanding full payment ( XXXX ). They kept churning my student loan until I am back where I started ten years ago. Now I am in a rehabilitation program it will be 9 months in XXXX in good standing but they started in XXXX dinging by credit report when I was told that would not happen. Calling it a charge off and saying I'm delinquent. When I am complying with their program.
Product: Checking or savings account

XX/XX/XXXX {$170.00} and XX/XX/XXXX {$97.00}. I texted them because that's the only way you can contact them. They said they would refund my money in 4 to 6 business days but shortly after that text I recognized they took another {$97.00} from my bank account which brought it to a negative. When I text and asked them what was going on with this they didn't respond. The company is Albert banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there was an Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these XXXX XXXX XXXX Balance : {$530000.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} will be corrected and updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a bunch of hard inquiries in my report in XXXX and XXXX which are not mine. 

We found a new credit inquiry on your XXXX credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXXXX Alert DateXX/XX/XXXX XXXXnquiry DateXX/XX/XXXX NameXX/XX/XXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX XXXX XXXX StateTX XXXX We found a new credit inquiry on your XX/XX/XXXX credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXX/XX/XXXX Alert DateXXXX Inquiry DateXXXX NameXX/XX/XXXX XXXX PhoneBYMAILONLY Business TypeBC Street AddressXX/XX/XXXXXXXX CityXX/XX/XXXX StateSD ZipXX/XX/XXXX We found a new credit inquiry on your XX/XX/XXXX credit report. 

Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourceXX/XX/XXXX Alert DateXXXX XXXXnquiry DateXXXX NameXX/XX/XXXXXXXX XXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXX/XX/XXXXXXXX StateIA ZipXX/XX/XXXX SourceXX/XX/XXXXAlert DateXX/XX/XXXX Inquiry DateXX/XX/XXXX NameXX/XX/XXXX PhoneBY MAIL Business TypeBC Street AddressXXXX XXXX XXXX CityXX/XX/XXXX StateNJ ZipXX/XX/XXXX SourceXX/XX/XXXX Alert DateXXXX Inquiry DateXXXX NameXX/XX/XXXX XXXX XXXX. 
Phone ( XXXX ) XXXX Business TypeFA Street Address XXXX XXXX XXXX CityXX/XX/XXXX StateAZ ZipXX/XX/XXXX SourceXX/XX/XXXXAlert DateXX/XX/XXXX Inquiry DateXX/XX/XXXX NameXX/XX/XXXX PhoneBYMAILONLY Business TypeBC Street AddressXXXX XX/XX/XXXX CityXX/XX/XXXX StateDE ZipXX/XX/XXXX SourceXX/XX/XXXXAlert Date0XX/XX/XXXX Inquiry DateXX/XX/XXXX NameXX/XX/XXXX XXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXX/XX/XXXX XXXX XXXX StateUT ZipXX/XX/XXXX Note that the Name is entity providing the information to XXXX and the address listed may be a corporate address. 
SourcXX/XX/XXXX Alert DateXX/XX/XXXX Inquiry DateXXXX NameXXXX XXXX XXXX Phone ( XXXX ) XXXX Business TypeFA Street AddressXXXX XXXX XXXXXX/XX/XXXX XXXX CityXX/XX/XXXX StateGA ZipXX/XX/XXXX SourceXX/XX/XXXX Alert DateXXXX Inquiry DateXXXX NameXX/XX/XXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXX/XX/XXXXXXXX StateTX ZipXX/XX/XXXX SourceXX/XX/XXXX Alert DateXX/XX/XXXX Inquiry DateXX/XX/XXXX NameXX/XX/XXXXXXXX PhoneBYMAILONLY Business TypeBC Street Address XX/XX/XXXXXXXX CityXX/XX/XXXX StateSD ZipXX/XX/XXXX SourceXX/XX/XXXX Alert DateXXXX Inquiry DateXXXX NameXX/XX/XXXX XXXX PhoneBYMAILONLY Business TypeBC Street AddresXX/XX/XXXXXXXX CityXX/XX/XXXX StateSD ZipXXXX SourceXX/XX/XXXX Alert DateXXXX Inquiry DateXXXX NameXXXX XXXX XXXX Phone ( XXXX ) XXXX Business TypeBC Street Address XXXX XXXX XXXX CityXX/XX/XXXXXXXX StateIA ZipXX/XX/XXXX SourceXX/XX/XXXXAlert DateXXXX Inquiry Date0XX/XX/XXXX NameXX/XX/XXXX Phone ( XXXX ) XXXX Business TypeBB Street AddressXX/XX/XXXX CityXX/XX/XXXX StateTX ZipXX/XX/XXXX
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 U.S.C. 1681. 

Account name : XXXX XXXX  # XXXX 15 U.S.C. 1681 Section 602A. Accuracy and fairness or credit reporting. States I have the right to privacy 15 U.S.C. 1681 Section 604A ( 2 ). It also states a consumer reporting agency can not furnish a account with out my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ). Section states. No consumer reporting agency may make any consumer report contaning any of the following items of infomation. 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: Debt collection

Nemo 's Coll XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Charging me XXXX dollars for medical payments. 

I had a therapist for a while. But he was charging me an absurd amount of money for therapy. Nearly XXXX dollars an hour. He was also not proactive in therapy and even drove during our sessions. 

I paid for all of my sessions, then they tried to send another collection of {$110.00} for diagnostics or attempt to prescribe drugs. I was not aware of this nor was I aware that they would charge {$100.00} dollars plus a late free for a " attempt '' to prescribe.
Product: Credit card

On a purchase made from a company in XXXX, Citi visa charged a " Foreign Transaction Fee '' of XXXX % and an additional increase of XXXX % in interest rate. I was not notified of these charges and learned only when they showed up on my bill. Neither was the increase in interest rate disclosed.
Product: Mortgage

Hello, I am writing to complain about the services rendered by Elite Mortgage Funding - Company NMLS : XXXX. 
The process was pretty smooth until we reached the end of the loan. 
My credit score dropped because I missed a payment on 1 of my CC 's - which is now fully paid - and adversely affected my credit score. We wait a month for my score to go back up, however it did not go up enough. 

The real issue is that the Banker at Elite Mortgage Funding locked in a higher interest rate ( 3.75 % ) without my consent. This has led the mortgage refinance to fall through because, apparently, at current terms, it is not profitable for them!! EXCUSE ME! 
Why have I been working with the same company for 4 months, sharing all my personal information, delaying my mortgage and CC payments per their advise. 

The actions of this company have adversely impacted me and my ability to refinance my mortgage. Not to mention, delaying my mortgage payments per their instruction has also negatively impacted me. 

I am very dissatisfied with the level of service from Elite Funding and will NOT recommend them to anyone. This was a waste of my time, they lock in the rates without advising with clients and then disregard their approval commitment when it doesn't suit the - shame.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent all required documents that supports my ftc violation claim inquires caused were not removed transunion : XXXX : XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX consumer services 5 times XXXX   XXXX XXXX  twice XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TOO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC1663A CREDITOR MAY NOT TREAT PAYMENT PN A CREDIT CARD UNDER ANY OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Bank account or service

I opened a Citi Gold Checking account during a promotion that Citi was running to give a XXXX ThankYou points for new members who signed up with promotion code XXXX and satisfied several terms. I confirmed via secure message to Citi on their site that the account was set up properly with promotion attached on XXXX/XXXX/XXXX. After completing the requirements, I confirmed via secure message that the account had the promotion attached still and I had successfully satisfied the terms of the promotion. Citi was able to research and confirm all of these things and stated there was a waiting period of a maximum of 90 days for the promotional points to post to my account for use. Starting with the last day possible for the points to post, XXXX/XXXX/XXXX I followed up with Citi via secure message to ensure everything was good and the points were going to pose. I was again assured the points were going to post but they never actually did. I followed up multiple times and received responses on the following dates all assuring me the points were going to post : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In addition to the correspondences via secure message, I received 2 " E-communication '' letters on XX/XX/XXXX and XX/XX/XXXX assuring me the points were going to post. A familiar refrain of all of these communications was something to the effect of " Well the points should have posted already so we went ahead and posted them again but now you just have to wait another 30 days. '' over and over and over again for the past 6 months that I have been waiting since completing the promotion in accordance with Citi 's terms. During this wait, I have been charged {$42.00} in monthly service charges on the checking account and I ca n't help but wonder if the prolonged nature of the resolution to this issue has something to do with the amount of money collected in monthly service charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to SageStream via phone to get a copy of my consumer report and they directed me to their website. I submitted the information including a picture of my passport and they still refuse to send me a credit report saying, the identification is not enough. SageStream is intentionally and illegally making it difficult for consumers to access their consumer files.
Product: Vehicle loan or lease

I cosigned with my nephew on XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX. Months later, I don't exactly when, but he starts having financial hardship where he couldn't pay. The car was eventually repossessed on XX/XX/XXXX. 
I received a letter from the XXXX XXXX Court of on XX/XX/XXXX about the car. I went and retrieved the summons on XX/XX/XXXX. I went and filed an answer to it on XX/XX/XXXX. When I filed the answer, I thought that they were asking for XXXX. I offered the half of that which is XXXX, I explained to that I would like to make a settlement offer of the XXXX. Thats when I found out the actual amount was XXXX, she then and explained to me all the charges and she told me that she could not accept XXXX for a settlement. She stated that she could take XXXX out the door in full no payment arrangements. I then stated that I didn't have that in full and could get the in an email about my offer and her denial of the offer and she stated that she could not do an email on this matter. Thats when I asked her for her name for my notes. I was previously advised from a lawyer that I needed to keep a paper trail, emails, just in case this do go to court. I feel that being that she denied emailing me concerning the situation on the car that was very unprofessional. It makes me feel that when we do get to, they will fabricate there story as if I never tried to resolve this matter in any kind of way. Like I explained to them this is my first time going through something like this. I was hoping not to get taking advantage of and cheated out of this situation, that's what's going on being denied not to email about this. So, what I want to know is this proper protocol for a company to do? Please contact concerning this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate information..Account in questions in over 15 plus years old. and it was included in my bankrupts
Product: Debt collection

I received an initial notice from Windham Professionals Inc dated XX/XX/2022 advising me I had XXXX days to respond to a debt before derogatory credit reporting was done. I responded with a request for validation of debt dated XX/XX/2022 ( which was in the allotted time I was advised of ) requesting agreement that bears my signature amongst other documents validating the alleged debt and this company was unable to provide me with any. In response to my letter they did provided me with a bill but no specifics. The blatant disregard to my request leads me to believe they are not taking this matter seriously and I am thinking of contacting a consumer attorney if my concerns aren't addressed expeditiously
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX XXXX XXXX account appears on my Equifax credit report twice. It makes it seem as though I owe double the amount of my loan. My Equifax credit report is attached. Please see XXXX XXXXXXXX of the report. I have also attached my ID, social security card, and a recent utility bill.
Product: Debt collection

This toll free number keeps calling early in the morning all day and through the evening. 
XXXX. They call on my home phone @ XXXX, or my cell phone number @ XXXX. I have no idea who is calling because I do not recognize the phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Experian in violation of Federal Law. Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately. 

XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX NA Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX CAP XXXX NA Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The following account is not mine XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from XXXX XXXX XXXX XXXX paperwork for what is being reported, seems excessive amount of lates have been reported. It doesn't seem consistent information is being reported. Even after requesting investigations nothing was done.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I took leave and went back to XXXX after completing XXXX school. While I was out there, I was introduced to a man named XXXX XXXX by my cousin 's boyfriend at the time. XXXX told me he would be able to help me build credit and get my credit score over 700 within a years time. He told me to apply for a credit card and an auto loan with Navy Federal. 

I applied for both and in a couple weeks the credit card was mailed to my cousin 's address in XXXX XXXX. The vehicle loan had also been approved and was mailed to my cousins house. XXXX took the mail from their address, used the credit card to make various purchases in XXXX and XXXX and forged my signature on the check to from the vehicle loan to buy a used car for {$14000.00} which I later found out to be a XXXX XXXX XXXX. The last time I heard from XXXX was around XX/XX/XXXX when he told me to report the credit card as lost/stolen and make payments on the vehicle loan he had pulled out and claimed he would take care of it in a few months. I fully realized he was using me for his own personal benefit and would likely just disappear leaving me with the debt ( which he did ) So I filled out a report at XXXX XXXX and tried to clear the debt with the credit agencies. He also applied for a {$5000.00} personal loan from a company called XXXX XXXX which I later found out was done entirely online without any accounts linking the loan to him. 

Ive been dealing with this issue since XX/XX/XXXX with no avail. Navy Federal insists that I am responsible for the debt because I filled out the applications and was scammed by someone Ive met, even though my signature was forged. XXXX is holding me responsible for the debt because I made the mistake of saying I would make payments to get them to get off the phone initially the online application was filled out while I was still in California. There are also hard inquiries that was not authorized by myself that are still on my credit.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I lived at an apartment complex in XXXX, NC called the XXXX located at XXXX XXXX XXXX XXXX, NC XXXX. I lived there for 2 years, and my official move out day was XX/XX/2020, of this year. On XX/XX/2020, I recieved a letter from National Credit Systems , Inc, in XXXX located at XXXX XXXX XXXX XXXX, GA XXXX saying that my {$81.00} balance has been paid in full. Mind you, XX/XX/XXXX is not even one entire month from the move out day from these apartments. I never received an email or notification that I still had a balance on my account. The creditor reported me, and I paid immediately. It is now XX/XX/2020, and the delinquency is still showing on my credit report. I want to file a dispute with the apartments primarily, and the collections agency.