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

These accounts are not mine. They are inaccurate information, and need to be removed immediately from XXXX, XXXX, and Transunion
Product: Debt collection

After reviewing my credit report, I noticed The Bureaus, INC was reporting on 3 alleged debts on my 3 credit profiles. I contacted this company with a Debt Validation on XX/XX/2021 via certified mail. They were in receipt of these letters on XX/XX/2021 at XXXX XXXX. The Bureaus responded with based on the records of their clients, they were able to provide me with information. How did you verify these alleged debts? Who did you interview? What department and personnel did you speak with with? This is not providing any proof that these are my alleged debts. Pursuant 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. And may I remind you that none of this information can be factual. I may also add that this company is in violation of my federally protected rights too in response to me. 15 USC B ( 5 ) which states that not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This was violated 3 times. I later respond with second letters on XXXX via certified mail requesting an original signed contract showing I have business with The Bureaus, INC which they received on XX/XX/2021 at XXXX XXXX. They responded to only 1 request and never responded to the 2 other letters. Again My rights were violated through 15 USC B ( 5 ). I have no business with this company. I have never consented to contract with The Bureaus INC, nor gave them permission to breach my privacy. I am aware that I am a Natural Consumer and original creditor. This company has violated my rights in tune can carry up to {$1000.00} per violation. These alleged debts must be deleted from all 3 credit profiles.
Product: Student loan

I received a credit monitoring notice stating that I have two collections for " XXXX XXXX/Citibank '' student loans from XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX. They stated that they have no record of having my account ( but they service student loans for Citibank ). They did state however that my social security number was listed " on a spreadsheet with no identifiable personal or account information. '' That was disturbing. Why would they have my social security number on a spreadsheet and I do not have an account in their office. <P/>XXXX XXXX directed me to call XXXX XXXX XXXX, because they also service Citibank student loans. I called them at ( XXXX ) XXXX on XX/XX/XXXX. A young man informed me that Citibank sent my account to their office in XX/XX/XXXX, but took the account back one week later. I asked him what that means and he said that there were no notes on the account. He stated that they do not have my account, Citibank has my account. He told me to call them at ( XXXX ) XXXX. <P/>I called Citibank on XX/XX/XXXX regarding the account. I was told that my account went into collections in XX/XX/XXXX. First, my account has been in deferment since XX/XX/XXXX. Second, I never received any notice of requested payment. Third, I never received an FDCPA compliant letter stating my account was going into collections. Citibank had no response to my statements or my request to see my entire account history. <P/>I have been on the phone for hours today trying to get to the bottom of why I have these deferred, never late accounts appearing as collections on my credit report. I have never made a late payment. I have never missed a payment. I do not understand. This is costing me the ability to purchase a home. Thee are the only negative items on my credit report. My score has dropped XXXX points because of this terrible mistake. Please help me.
Product: Vehicle loan or lease

I had a car loan with Exeter Finance, that ended up being charged off due to the car being repossessed. My dad is a cosigner on this loan as well. After the car being repossessed, I was mailed a letter with a settlement of paying off the loan by giving them XXXX XXXX of what I owed. My dad and I signed this settlement on XX/XX/2024, and I paid the amount they offered me to close the account on XX/XX/2024, over the phone with their representative. Well, I got a call from a third-party collections agency that they sold the amount too, saying I owed them money. This is when I called the collections agency, XXXX XXXX and told them that I paid off the loan with Exeter Finance since I came to an agreement. So, I decided to call Exeter Finance and figure out what was going on. They told me that the payment I paid over the phone got returned, which is not true because I paid with my debit card and the payment would have gotten declined right then and there when I paid it over the phone. I even provided them with the bank statement showing that the payment didn't get reversed and even got a letter from my bank stating that the payment went through to them and didn't get returned back into my account. I keep contacting them about this, but they keep giving me the run around and it is affecting my credit score significantly. I contacted them via email XXXX months ago asking them to change the amount to XXXX but still have not heard anything back from them.
Product: Checking or savings account

I went to the Bank of America ATM in XXXX NJ on XX/XX/2020 to deposit a check. I used the drive up machine because the bank was closed. I tried to deposit 2 checks, 1 at a time, and the ATM took one but then malfunctioned. It wouldn't return my deposit back to me but instead gave me a receipt requesting me to " contact the electronic claims team to discuss my transaction. '' Naturally I call immediately, to file my claim that the machine ate my check. The person I spoke over the phone with files helped me file my claim. 30 days later, I get a notice informing me that " they found my transaction but could not find my check and they were going to debit my account XXXX dollars that they credited me for the transaction prior. I call back to escalate my claim, and they still took the money out of my account but seems like they haven't made any actual attempts to locate my check. I called back infuriated by the is and was asked a host of silly questions about if i used another ATM to which my response was why would i use another machine at this location with a check stuck in the 1st one? and was basically told there wasn't anything they could do about the money debited from my account and they will try to escalate my claim again. Now I'm being charged fees because of my false negative balance, which I refuse to pay..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Experian is showing I have 4 years and 9 months of credit history. This information is inaccurate as I have more than 20 years of credit history with home and car loans and credit cards.

I am Under Contract for a home and because of this inaccuracy, I am not in the Excellent category for lending terms.

I have no derogatory marks on my credit and no other debit than a mortgage.

I have called Experian on the following dates and times to have this issue resolved : XX/XX/XXXX at XXXX XXXX.

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX

XX/XX/XXXX at XXXX XXXX ***The total time spent on the phone is over 3 hours.

The first time I called I spoke to an agent by the name of XXXX who told me " my Experian file was corrupted '' and that he had never seen this in a file before. He said it would take 3-5 business days to resolve and my the Reference Number for my case is # XXXX.

I spoke to a Supervisor by the name of XXXX  today at XXXX XXXX. After I was told again the " department '' who handles this error still has not reported back to them, I asked to speak to his supervisor. He said he would not transfer me to anyone else and after I insisted on speaking to his supervisor, he hung up on me.

I am supposed to close on my home loan in 30 days. I have relayed this information to Experian on every call so they understand the urgency of this matter but I am not getting any resolution.

I know your process can take up to 60 days to resolve. Is there any way to expedite this case given my timeline to purchase this home? If I don't have this corrected, I will suffer for 30 years with a mortgage interest rate above what I should have so time is truly of the essence.

Many thanks in advance for your help.

Kindly, XXXX
Product: Credit reporting or other personal consumer reports

I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX  to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. 

Account # XXXX
Product: Student loan

In XXXXXXXX XXXX XXXX, I asked FSA and XXXX for a buyback amount for my student loans. I have 119 payments made and would like to get the 120th payment completed. An agent let me know I needed to refile my PSLF paperwork, and I did so. I also did extensive research on how to ask for a buyback. I called studentaid.gov and was told my form would be completed in 14 days. That did not happen. I was told I needed to wait 45 days. I did. Again, I did not have my buyback amount. I looked at studentaid.gov and noticed one of the payments I made in XXXX was not counted toward my PSLF. I asked for a reconsideration. I was told I would need to wait 45 days on top of the 45 days I waited for the buyback amount. I have asked several times for the buyback information and keep getting told 45 days. It has been more than 45 days since I asked for this information.
Product: Debt collection

I applied for a new credit card and was declined. Once I was declined, I checked my credit report and noticed that Comenity/XXXX reported my account as delinquent. I called the number to figure out what was going on with my account ( I did in fact have an account that I thought was current ). Upon calling, I was told that my account had fallen behind and I was unsure of why when everything was set to auto-pay. I came to realize that when I moved and lost my debit card that everything was set to auto-pay with was replaced, the numbers on the card were different and the account began falling behind. My phone number is different that what the account was listed ( from what I was told ) along with my address. My address is currently XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I never received a call or letter showing that my account was behind -- at least to an active address and phone number. Once I spoke with the representative, I was told that if I paid the amount requested, the negative account could and would in fact be removed. 

In speaking to someone from Comenity recently, I was told that is not the case. I then requested & required that they send all communication they had on file to me for my file to my current address so that I could have record of it but got the run around stating that they were unable to do so. I know for a fact that the calls are recorded so there is no reason they could not pull the transcripts pulling my call log from last year when I settled the account and was told it would be removed. I 've also requested any written correspondence before and after the account was settled both showing what I 've owed and their follow up validating my payment, etc. I 've still not received this information and am getting the run around from them every time I call. 

When I called them today, XXXX XXXX, 2017, the automated system says that I still have an outstanding balance of $ XXXX. This should NOT be the case!
Product: Checking or savings account

XX/XX/XXXX I had a friend needing a cashiers check cashed because they did not a bank account or a proper ID I deposited the check via mobile deposit. 

Did not try to cash it in bank nor did i give the person money for check because i wanted to confirm the deposit and funds due to fake checks going around XX/XX/XXXX My account says the check is on hold Spoke with the bank and attempted to verify check with bank and the check turned out to be a fake. 

XX/XX/XXXX Entire account is Restricted and pending closing due to submitting the check No warnings, no calls, no emails I had the money in my account to cover the check I did not cash the check as I was waiting for confirmation of available deposit Chase has put a restriction on my account and closing it and all my funds are on the account. I am unable to access the funds until the account is closed and they mail a Cashiers Check with my balance to me. 

I can not withdraw the funds that were already previously in my account and that is what I live off of. 

I did not get a warning or any type of decent customer help for this issue. 

I would of preferred some sort of help from chase and not a immediate closure to my account or instead of immediate closure and holding my funds letting me withdraw my funds before closure. 

This account is my lifeline for survival. I have no money anywhere else, My bills are withdrawn from it and payments are sent to this account. 

So now I have to wait 20 days to get my money and make a new bank account to have my deposits go to. 

Chase should of handled this in a completely different way but instead they XXXX  a poor college kid out of all the money they have in the world.
Product: Mortgage

For the past 6- 7 years there has been numerous property inspection fees which XXXX each time. Then it is applied to mortgage smount. I do understand the investors have the right to make sure the home is occupied but should be every month.. However, the party hire to take picture of my drives by home very slowly with their phone hanging out of a partially open window to take a picture. On XX/XX/21, I took a picture of the silver XXXX XXXX taking a picture of my home. In the same investor for my home inundate my phone with people wanting me to sell. I've been in my home over 48 years then got this home equity loan which was sold to this investor.
Product: Student loan

Hi, Ive been trying to pay off my student loan at Navient for over a year. I had the loan in the US but now Ive relocated permanently to the XXXX. Ive been lied to several times and now Ive exhausted all options left with no way to make a payment. They tell me I need a US bank account or a money order. Neither of which are possible here in the XXXX. I opened a foreign currency account and transferred currency at their advice only to discover that didnt work so in the end I love money transferring currency. Ive gotten a prepaid card loaded with funds at their advice only to discover that that didnt work either, again losing money in the process. 

Im so beyond frustrated and have no solution for how to pay this loan off. Theres definitely something really wrong with this company. Its very weird. 

Please can you help me? 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing back and forth with experience, XXXX and XXXX regarding them reporting my XXXX XXXX account late since XXXX of this year 2019. This account along with my first premier account is included in my bankruptcy that they all are reporting as being dismissed when it was never dismissed it is now awaiting closing from the discharge of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed Unauthorized accounts on my credit reports and the investigation still did not fix the errors in my file.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because I have an authorized user account that's incorrectly reporting on my credit profile. These account do not belong to me, and I have requested to be removed from them as an authorized user. 

I have contacted both the credit card company and the credit bureaus multiple times to request the removal of this account, but it remains on my report. This inaccurate reporting is negatively affecting my credit and causing unnecessary stress. 

I am requesting your assistance in investigating this matter and ensuring that the account is removed from my credit profile as soon as possible. 
Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I am writing this dispute because of fraud activities. I have attached the documents, as well as my license and proof of address. It has been over 60 days and I still have not heard back from these agencies about the letters that i sent in. They are taking advantage of me as a consumer. Please remove these fraudulent, incomplete, and inaccurate accounts.
Product: Credit card

I tried to charge tickets to XXXX XXXX XXXX. The payment app said they wanted to send a code to the phone number registered with the credit card company ( Citibank ). I saw that it is the wrong phone number. I have an XXXX  phone number and do not have a US phone number. I logged onto Citibank 's website to change the phone number. They do not allow non-US phone numbers. Then they locked my account with a note saying to call the fraud department. I called the fraud department. They asked what my secret word is. I don't have a secret word. Then they wanted to send a code to my phone number, which of course is the root of this problem. They were not able to verify me. I asked to close the account. They said they couldn't close it without verifying me ( somehow they were able to open it, however ). I asked for a postal address and an account closure request. They said they did not have this and nobody has ever asked for it before. They said they would mail something to my adddress on file. I don't think they have the correct address on file. So it is a catch-22. Unless I can break out of this then the account may be open for the rest of my life. Their fraud system is not my issue in this case. My issue is that I want to end the relationship with them.
Product: Credit card

In XX/XX/year> Discover sent {$1500.00} balance transfer to XXXX XXXX XXXXXXXX ( wrong payee ) Discover representatives refused to correct or void transaction. XXXX  XXXX XXXX I believe sincerely tried to help. They issued a credit but I can see Discover made them reverse it now I owe the {$1500.00}. Today went to Discover website and they have a notation XXXX XXXX CREDIT PENDING ADJUSTMENT {$75.00} payments and credits {$1500.00}
Product: Student loan

Withdrew prior to disbursement in XX/XX/2008 and school knew i would not be employable even with education due to criminal record
Product: Credit reporting or other personal consumer reports

To whom it may concern I am writing in regrads to late payments on my credit report.

According to the FCRA 15 U.S.C. code 1666b-Timimg of payments and 15 U.S.C.

1666B12 CFR,1026. 13- Billing error-late payments 15 U.S.C.1681 a ( 2 ) ( I ) INSTRUCTIONS PLEASE UPDATE TOO NEVER LATE. Please send updated report to address on file.

I have attached all documents to support this claim
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 late for and purpose. 

Credit Account : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : Ending in XXXX Missed payment in Question : XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing a range of violations related to the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Heres a summary of what transpired : Unauthorized Sharing of Information : My personal information was shared without proper disclosure of my rights to opt out, violating FCRA 603 ( d ) ( 2 ) ( A ). 

Furnishing Inaccurate Information : Credit reporting agencies and debt XXXX reported false and unvalidated information on my credit report, breaching FCRA 623 ( a ) ( 3 ) and practices outlined under Generally Accepted Accounting Principles ( GAAP ). 

Unverified Debt CollectioXXXX Practices : Debt XXXX engaged in practices that violated regulations concerning validation of debts and permissible disclosure of information, contravening 15 U.S. Code 1692g. 

Deceptive Reporting of Late Payments : My credit report contained inaccurate late payment entries, failing to define what constitutes a " late payment, '' leading to misrepresentation. 

Unauthorized Hard Inquiries : Several unauthorized hard inquiries appeared on my credit report without my explicit consent, violating FCRA 1681b ( a ) ( 2 ), which outlines permissible purposes for accessing consumer reports. 

Failure to Determine Finance Charges : The credit reporting agency failed to accurately assess finance charges as required. 

Harassment and Distress : Reporting inaccuracies caused unnecessary stress and interactions with creditors, violating debt collection practices. 

I have outlined specific actions required to correct these violations, including the deletion or correction of erroneous accounts, validation of alleged debts, and removal of unauthorized hard inquiries. Should these actions not be taken promptly, I reserve the right to pursue legal remedies under the applicable statutes.
Product: Credit reporting or other personal consumer reports

Hard inquiries on my credit report were not authorized by me. Remove these errors under 15 USC 16c-2.