23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My complaint against Stride Launch Servicing for their unjustified loan charge against me. In XXXX I signed an Income Share Agreement ( ISA ) with XXXX  for my XXXX XXXX XXXX XXXX  in XXXX. As per the terms of the contract I was supposed to pay 15 % of my monthly salary as an instalment after my employment for a period of 36 months ( which may be extended up to 48 months ) until I reach the highest cap amount of {$34000.00} if my income is more than {$44000.00} yearly. But if my income is less than the threshold income, I would pay {$0.00} dollar until my income reaches the threshold. The payment would automatically stop when I fulfil either of the conditions such as paying the highest cap or reaching the 48 months, whichever comes first. First two years I didnt have to pay instalments since my income continuously was below the threshold income and my payment was deferred to the next year. Incidentally, my account was transferred to Stride Launching Services ( LS ) in XXXX. Stride LS sent me an email, asking me to open an account and start paying my instalment. Accordingly, I opened an account in their Stride portal and sent them a message, informing them that, since my income is below the income threshold, I am not liable to pay my ISA payment. I sent my tax return documents as proof. In return, they informed me that they may need more evidence or proof of my income such as w2/1099 ( message copy enclosed ). They asked me to submit proof of my wife 's income too as evidence. Accordingly, I started to make regular correspondence with Stride over the phone sending messages to know about my status and asking them about my next course of action ( message copy enclosed ). But surprisingly without giving me any reason, they started charging me a monthly instalment of {$980.00} showing a fictitious yearly income which doesnt reflect in my actual yearly income as per my documents. Denying their claim, I gave a number of reminders to them and requested them to re-evaluate my yearly income ( message copy enclosed ). At one point I was told to submit my all W2/1099 as proof of income for the year XXXX by one of the support team members of Stride LS when I contacted them over the phone. But they kept on pressing me to pay my past due amount of {$3900.00} or my account would be delinquent and will be sent for collection. Time and again I asked them to correct my yearly income statement, but they are neither denying my claim nor they are taking any action to correct the income statement for unknown reasons. It has become a great concern for me and I am feeling helpless. 
enclosed : Attached are the documents of the exchanged messages with Stride
Product: Credit card or prepaid card

Received 3 unsolicited debit cards from XXXX Direct. Call the phone numbers to ask why and just get routed to electronic service to activate the cards. 

Also received an unsolicited debit card from XXXX and had same results when trying to question receipt of card. 

Also received an unsolicited debit card from XXXX and had same results when trying to question receipt of card.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$580.00} Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several incorrect items on my credit report. I have also sent numerous of letters to all three credit bureaus and they still have incorrect address that never belong to me at all on my credit report misspelled names and also inaccurate information on my report as well. They are not taking off my hard inquires that don't belong to me and are not updating my report at all. I sent a dispute letter last time I filed a complaint with CFPB and Equifax, XXXX sent a letter to me stating that information was verified which I know it wasn't because I have a freeze on my accounts and they said the verified it with Lexis Nexus which I know is not true because its been a freeze on my account for over 4-5 months now so they lied. XXXX never even responded to me at all and everything is still on my credit report that i asked to be removed. I have sent letters to all 3 with correct name, address, phone numbers and employers all 3 still have it wrong. I have also sent verification that they didn't verify any of my information and they still didn't remove hard inquires or other information such as Bankruptcies and things on my report that is hindering to my report because of this issue I am unable to move forward with buying a home/car a lot of things I need for this to be fixed asap Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

in accordance with the fair credit reporting act. the list of accounts below violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 i told XXXX, transunion, and XXXX to reinvestigate these accounts Account Name : ( XXXX XXXX  ) Account Number : XXXX report inaccurate Account Name : XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : ( XXXX XXXX Account Number : XXXX However, they stated everything was completed and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to the 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

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: Prepaid card

XXXX Purchased Vanilla gift card from XXXX and loaded {$200.00} on it. 
XXXX I Presented it to my grandson for XXXX, XXXX My grandson tried using the card at several vendors without success. The third set of four digits on the front of the card were scratched off when my grandson opened the card. 
XXXX My grandson reached out to Vanilla gift cards about the defective card. He was told to take pictures of the card and email the information to XXXX - he was also told that a replacement card would be sent to him within 5 days. My grandsson sent the information as instructed and has an email to confirm it was sent XXXX 
XXXX My grandson and I reached out to Vanilla gift card in a phone call. They stated that the email from my grandson had not been received until XX/XX/24 and they legally had 30 days to investigate the claim. 
XXXX My grandson and I initiated a 3-way call with Vanilla gift card. We let them know that the replacement card had not been received, and that my grandson moved on XXXX, but has been checking his old address for the replacement card without success. We also asked them to send the card to my address. I have since given my grandson the cash value of the card and have taken responsibility of the card. I sent a copy of my receipt to Visa Vanilla Gift cards.
Product: Student loan

This was a student loan that was transferred to my Mother because was a cosigner. XXXX XXXX is reporting a derogatory and adverse status on this account. It shows transferred, but also shows that it was discharged in my Chapter XXXX Bankruptcy filing dated-XX/XX/2013. Please see attached filing.
Product: Debt collection

This company reported a debt I am unaware of on my credit, I am trying to claim it and they simply hang up the phone on me. I contact the credit agencies and they tell me they can't do anything.
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. XXXX, XXXX, Experian. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} XXXX XXXX XXXX / XXXX Date Opened XX/XX/XXXX {$84.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} Inquiries XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX VIA DEALER ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX VIA DEALER ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX VIA DEALER XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

It has been over 9 weeks of trying to unfreeze my new savings and checking account, and Citibank refuses to help. 
They flagged my account for fraud and will not even tell me why. I gave them many forms of I.D . but they are demanding a utiliy bill and pay stub. Because I do not pay utility bills where I live ( It is a temporary rental until XX/XX/XXXX ) I can not give them my utility bill. Because I am on XXXX, I can not give them a paystub. I did give them my XXXX statement from social security with the same address, and my social security number on it. That is my paystub, but they won't accept it. 
This is now a civil rights issue, because I am being discriminated against for not having a regular paycheck, and only a XXXX statement. I also gave them bank and credit card statements from another bank with the same address on them, and my drivers license. 
My drivers license address was not changed yet because I am living in a temporary rental. But I did send them a copy of the lease for the temporary rental to show a physical address. And I called to change the address on my account to the temporary rental so it would match. 
I just signed a lease for a new rental on XX/XX/XXXX and I updated my drivers license to match my new XX/XX/XXXX address. I can send them this future lease and address-changed drivers license, but I can not even get a call back from XXXX XXXX XXXX Citibank 's executive response office. 
He seems to be purposefully unhelpful, and that is why this dispute is going on 10 weeks. 
I requested another person to call me, but no one called yet. 
All I did was trust Citibank by opening a savings and checking account, while being completely honest in my application. Trusting them costed me literally 50+ hours in disputing time, lots of stress, and my XXXX  scores have dropped over 100 points because they have my money locked up and I can not pay my bills. 

This is unfair. Please help me unlock my money so I can pay my bills. 

The only thing I could think of, as to why they would do this to an honest customer, is maybe they want to renegg on their promo offer? 
I opened the account on a promo offer to receive a bonus of {$1500.00}. 
Is this their way of keeping my money for months without having to pay the promo offer? 
Either way this needs to be resolved. 

Additionally, I have been a Citibank credit card customer for well over 10 years, with the same address on the credit card account. I also called to verify and activate the debit card they sent me for this new frozen account with no problem. So why would they mail a debit card to me to access the {$220000.00} on deposit, if they think I am a fraud? 
And why was my account status healthy when making deposits, and not healthy when I tried to access my money? None of this makes any sense.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report I noticed an account that is reporting inaccurately. I have a 30 day late payment on an account that I know for a fact I was on time with. The consumer reporting agencies must report all information with complete accuracy according to the Fair Credit Reporting Act. This XXXX XXXX XXXX account has never been late on a payment and is reporting late for the following date XX/XX/XXXX. I've attached a copy of my report to this complaint on the following date XX/XX/XXXX. I'm now requesting you fully investigate this account and update this payment to paid on time immediately. Thank you for your help and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$3300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letters to Transunion via Certified mail on XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX to investigate accounts on the credit report. Transunion failed to meet the 30 day response time, nor did they provide any response as a result of that request. Followed up with a final certified letter on XX/XX/XXXX, but have yet to receive a response, or indication that they have removed the disputed items stemming from the XX/XX/XXXX investigation.
Product: Credit card

I was signed up for for a safe guard program with my Citi credit card without my consent that charged me high fees that went unnoticed for many years. With my high balance the fees were very high. I estimated I was charged at least {$15000.00} over many years. Sadly, it went unnoticed. I have read I am not alone and I read that Citi has settled paying {$700.00} XXXX to XXXX XXXX accounts. I would like help to get back some of the money the Citi stole from me. Can you help? Thank you.
Product: Debt collection

I have been contacted several times in regards to collecting a debt from me for a payday loan that I do not recall obtaining. This loan supposedly happened in 2013. I have never received any written documents in regards to this payday loan. For about a year now I have been receiving threatening phone calls from different numbers regarding this payday loan. The calls are coming to my home phone number and my cell phone number. When I ignore the calls it seems as though they come more frequently and more threatening. Also after ignoring the calls from one number for a while, the calls start coming from different numbers. These calls are becoming a nuisance and I would like for them to stop. These people are trying to get me to pay/settle on a loan that I do not remember and pretty sure that I have not taken out. I have a list of the different numbers that they have been calling me from as well as the different companys involved in the harassment. In my last contact with the company involved I obtained the name of one of their representatives. The companys involved are : Highpoint Asset, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Phone numbers involved are XXXX, XXXX, & XXXX. I would greatly appreciated if these calls will stop!
Product: Debt collection

This company has engaged in abusive, deceptive, and unfair practices that are prohibited by the FDCPA. They've reported accounts without my agreement or signing of any related agreement. A legal contract necessitates the consent of both parties, which I did not provide. Additionally, they did not follow the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and their actions clearly infringed upon my rights!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> I never applied for these this account this is an unauthorized and inaccurate INQUIRY.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year>XXXX EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX, CT XXXX Dispute of Inaccurate Information - Notice of Error Under FCRA To Whom It May Concern : I am writing to formally dispute inaccurate information that your company, EASTERN ACCOUNT SYSTEM, has reported to the credit bureaus. This letter serves as my notice of error under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Specifically, I am disputing XXXX XXXX debt. This information is not accurate because [ provide a thorough explanation with any supporting evidence ]. 

Pursuant to Section 611 of the FCRA ( 15 U.S.C. 1681i ), I hereby demand that you conduct a reasonable, thorough, and timely investigation into this matter. The law requires you to complete your investigation within 30 days of receiving this dispute ( or 45 days if I provide additional relevant information ). 

Furthermore, under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), you have an affirmative duty to provide accurate information to the credit bureaus. If your investigation confirms that the disputed information is indeed inaccurate, you must promptly notify all credit bureaus to which you reported the information and provide corrected information. 

I also invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., which prohibits debt collectors from using unfair, deceptive, or abusive practices. If this disputed information relates to a debt, I request that you provide validation of the debt as required by Section 809 of the FDCPA ( 15 U.S.C. 1692g ). 

Please be advised that under Section 616 of the FCRA ( 15 U.S.C. 1681n ), you may be liable for willful noncompliance with the requirements imposed by the FCRA, including actual damages, statutory damages, punitive damages, and reasonable attorney 's fees. 

I require that you send me written confirmation of the results of your investigation, including : XXXX. Verification that you have instructed all credit bureaus to delete or correct the inaccurate information XXXX. Copies of any documents used in your investigation XXXX. The name, address, and telephone number of each credit reporting agency you contacted during your investigation If you do not comply with this request, be informed that I may seek appropriate legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or pursuing a private right of action under the FCRA. 

Thank you for your prompt attention to this serious matter. If you require any additional information, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have fraudulent inquires reporting on my credit report and according to the FCRA it's against the law to report misinformation. I called to have these items removed and wasn't able to get the removed from my Transunion credit report, so I am filing a complaint. The XXXX accounts listed are : XXXX FCU XX/XX/XXXX XXXX FCU XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX