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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/XXXX, United Home Loans Services Inc. offered a 15 % down payment on an investment home. After a few days of looking around I took the offer on this day. 


On XX/XX/XXXX, United Home Loans Services Inc. smoothly tried to sell me on 20 % down payment. Since the purchase price decreases, I declined the offer. She stated that the lender was no longer offering the offer of 15 % down. We had already sign documents and completed paper work stating the 15 %. 

Bait and switch is my concern.
Product: Vehicle loan or lease

Pursuant to the nationwide multistate licensing system consumer access portal the pentagon federal credit union doesn't have a installment sales contract license to sell contracts in the state of Alabama or and type of license that would have made the credit transaction valid. 

Pursuant to 15 U.S.C section 1666 entitled correction of billing errors ( 2 ) a reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 

Pursuant to 15 U.S.C section 1640 entitled Civil liability.

Pursuant to 12 CFR Section 226.15 right of rescission as a consumer I'm entitled to rescind my contract if I find it to be fraudulent in any way, but the finance company has refused to honor my request per federal regulations and/or applicable law. i wanted to rescind the contract without giving up my rights to the collateral interests of the loan. 

I Made 9 months of payments totaling {$2800.00} without the lender having proper contract from previous lender, in which I never had a signed contract with the previous lender. 

penfed also didn't include insurance in the finance charge pursuant to 12 CFR Section 1026.4
Product: Money transfer, virtual currency, or money service

on XXXX XXXX i started a transaction with xoom.com ( XXXX ) on this day they withdrew {$20000.00} from my acount. As of today the transaction is in pending state and after 4 calls and 3 email conversations with them, nothing has changed. This transaction was supposed to be completed on the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX : {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to correct this with Equifax, to no avail. There are several incorrect things on my account. 

1. XXXX XXXX XXXX XXXX shows 2 late payments. XX/XX/XXXX - I have never paid this account late. Those late payments need to removed.

2. XXXX XXXX XXXX shows 1 late payment on XX/XX/XXXX- I have never paid this account late. The late payment needs to be removed.

3. XXXX XXXX shows 2 late payments on XX/XX/XXXX - I have never paid this account late. These late payments need to be removed.

4. XXXX XXXX shows 1 late payment on XX/XX/XXXX - I have never paid t his account late. This late payment needs to be removed.

5. A collection account is showing on my credit report from XXXX XXXX , XXXX . This is NOT my account. This needs to be validated with a signed contract from XXXX XXXX , XXXX . This is falsified information and needs to be remove immediately.
Product: Debt collection

On XX/XX/2018.This debt collecting company LVNV reported this item on my credit. I sent out several validation letters to them and to the bureaus. with all that I ask them to send me to validate this debt, they did not send. I also sent a affidavit to this company for validation with no response.im looking at this matter as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to refinance my house and my credit scores which normally are in the XXXX 's were XXXX due to an XXXXC fraudulent account with a charge off of {$2200.00} being listed on my credit report. I called XXXX fraud department and spoke to XXXX on XX/XX/2021. XXXX stated that she put remarks in the charged off account but could not give me a report number since she could not access the application because it had been charged off. XXXX told me I would have to file reports with each of the credit bureaus to have the account removed from my credit report. I did file disputes with each of the credit bureaus. I received a report back from XXXX stating they had concluded investigation and they could not remove it from my report that I would have to file a report with cfpb due to it being a case of fraud. Also, there is a fraudulent address in XXXX on my credit report that I never lived at and that is the address that was being used for the XXXX account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX Date opened>>>> XX/XX/2012
Product: Credit card or prepaid card

Citi is refunding {$330.00} XXXX to its credit card customers XXXX XXXXXX/XX/2018 XXXX XXXX If you have a Citi credit card in your wallet, you may be owed some money as part of a settlement that Citibank has reached with the Consumer Financial Protection Bureau ( CFPB ). 

RELATED : What happens to credit card debt when you die? 

The CFPB said that Citibank failed to reduce the annual percentage rates ( APRs ) on some customers credit cards : As described in the consent order, the Bureau concluded that Citibank violated the Truth in Lending Act by failing to reevaluate and reduce the annual percentage rates ( APRs ) for approximately 1.75 million consumer credit card accounts consistent with regulatory requirements, and by failing to have reasonable written policies and procedures to conduct the APR reevaluations consistent with regulation. 

Under the terms of the consent order, Citibank must correct these practices and pay {$330.00} XXXX in restitution to consumers affected by them. 

Citibank self-identified and self-reported the violations to the CFPB, so no additional fines were assessed. 

XXXX reports that Citibank said the refunds will average about {$190.00}. Theyre expected to be issued to affected customers by the end of the year. 

In a statement to XXXX, the bank apologized to consumers for not correcting the matter sooner. 

According to XXXX, customers who are owed money from the settlement dont have to take any action theyll automatically be refunded. 

Read more about the settlement from the Consumer Financial Protection Bureau. 

I tried numerous times to get them to see there was several errors on my account. 
Based on this lawsuit I am due restitution. However, I have not received any information from Citibank regarding this.
Product: Student loan

My federal student loan servicer is Edfinancial Services. On XX/XX/2023 or 359 Days ago I made a payment on one of my student loans, specifically, I paid {$1600.00} on loan XXXX or XXXX XXXX At this time Edfinancial Services transitioned from one website to another website platform. The payment I made on XXXX XXXX or XXXX XXXX never posted on the new platform. To this day it still shows I owe that payment in addition to the interest its accrued. I have supplied screen shots of my bank statement where the money was removed from my account. I have also provided the confirmation number that Edfinancial Services gave me for the payment. This loan should have been paid off in full in 2023. I continuously receive delinquency notices for a loan that I already paid off in full. I am not paying a XXXX more than i owe on these loans. Recently i found out that Edfinancial Services took that money and put it on XXXX XXXX. I never asked or consented for that money to be placed on XXXX XXXX. I literally call Edfinancial Services on a monthly basis and ask for an update all they can tell me is " be patient '' and " it will only take a few weeks to fix this ''. It has nearly been a full calendar year and this problem still has not been resolved, it has only gotten worse. With inaccurate accounting and payments going to random accounts, Edfinancial Services is a complete nightmare to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 card

Goldman Sachs and Apple CardXXXX XXXX XXXX is severely MISHANDLING legitimate disputes. I was charged 6 times an amount of {$44.00} from a company called XXXX XXXX on my Apple card from Goldman Sachs. on XX/XX/year>2024 - once I realized this - I contacted XXXX support to dispute these transactions. The dispute was filed and on XX/XX/scrub> 2024 - I received email notifications that all transaction disputes had been overturned and the provisional credit reversed. The note indicated that the transaction was " authorized ''. I reopened all disputes on XX/XX/year>2024 - however, they were not noted appropriately with the proper DATE until XX/XX/scrub> 2024. That delay is not explained. IK AGAIN spent time indicating that NO they were not authorized. I explained that I nor anyone on my family sharing account initiated the charges. I explained that my account must have been compromised. Or that at a minimum this was fraudulent activity. The credit card company turned my account off at this time. Which is not a problem for me EXCEPT that I can no longer pay on the account- I don't know the balance or any other transactions coming in - and my credit is now being impacted negatively. I asked twice for the disputes to be escalated and they clearly were not. This is my third time filing another dispute. On XX/XX/XXXX, I was notified again that all charges would remain. They took over 60 days to respond to the latest complaint, they did not provide proof of service, and are now telling me I am approaching some sort of expiration date. They are DELAYING the research of my transactions so that they can CLAIM I missed a cutoff date somewhere. See also Claim XXXX to Apple Card
Product: Debt collection

In XX/XX/XXXX I was approved for 100 % financial aid with XXXX XXXX XXXX. The dates of eligibility was effective from XX/XX/XXXX-XX/XX/XXXX. I went to the hospital on XX/XX/XXXX within the eligibility dates. I received a discounted bill from XXXX but not for the full 100 % with the amount remaining of {$1900.00}. I called the hospital and they said someone would look into it. This went on in a back and forth manner until I received a collections bill from Medical Revenue Service on XX/XX/XXXX. I disputed this by sending them a dispute letter and a copy of our financial approval letter on XX/XX/XXXX via USPS mail. I did not hear back from them so I assumed that took care of it. Then in XX/XX/XXXX I found it had been added to my credit report. I contacted Medical Revenue Services to explain that it was not a valid debt but they insisted it was and did not seem at all interested in the letter of approval for financial aid. I disputed this debt twice with the credit bureaus with no success. Finally, I have cleared this up with the hospital directly and have a letter that the amount in question has been adjusted to zero. This is the the second time in XX/XX/XXXX that Medical Revenue Service has done this to me. And by " this '' I mean putting something on my credit report without prior contact and/or properly verifying the debt to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. This account is also reporting inaccurate accross all 3 reporting agencies. Thanks.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires to be pulled from my credit report and I want them removed.
Product: Money transfer, virtual currency, or money service

I was helping my daughter sublet her apartment in XXXX Colorado. We were contacted by a woman, XXXX XXXX, who signed the lease and sent my daughter a check for the amount of {$4100.00} to cover the cost of the security deposit and all the furniture in the apartment. 
On XX/XX/2022 the check was deposited into my daughters account. 
We waited for the check to clear before I sent the woman back {$1500.00} dollars because she said she needed it for the move. We were so relieved to get rid of the apartment and all the furniture that I figured I'd help her out. My daughter was sure the check cleared because she saw the amount posted in her account. This however was a mistake on my daughter 's part ; She did not realize that under the amount she was looking at, in small print it said AVAILABLE BALANCE, which did not include the {$4100.00}. 
She's a XXXX XXXX XXXX college student and has never had a bank account so I have to forgive the mistake. She told me the check cleared and I believed her, I sent XXXX XXXX the {$1500.00} from MY Huntington Bank account via XXXX to help my daughter sublet this apartment she no longer wanted. She was in a very frail state of mind because the living situation there was not working out and she just just wanted to go back to University XXXXXXXX XXXX  dorms. The woman had signed the lease already, never did I think things would end this way. The entire situation was a scam, my daughter is devastated and I am in such disbelief. We contacted Huntington Bank who to be completely honest wasn't that helpful and filed a police report. The detective told us to file a claim here. 
Please help me recover my {$1500.00} but more importantly show my daughter that there is justice in this world, this entire situation has pushed her further into her XXXX and XXXX. She has withdrawn from school and has come home. Meanwhile, I am still paying her rent on top of the {$1500.00} loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX - XXXX credit reporting relative towards the following companies seeking inquires about me without my knowledge or consent. The companies involved are : 1. Discover Financial Services XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 3 total inquires on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I wrote to XXXX XXXX  asking for the documents or account opening information because my identity was recently compromised. ** 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX inquire on XX/XX/XXXX ** I wrote to XXXX XXXX asking for the documents or accounts because my identity was recently compromised. 
3. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Inquires were made on XX/XX/XXXX and on XX/XX/XXXX & XX/XX/XXXX. 
** wrote to XXXX XXXX asking for an explanation for this account and got NO RESPONSE. 
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX inquiry on XX/XX/XXXX AGAIN, I wrote to XXXX XXXX wanting an explanation with documentation and account information BUT no response. 
5.XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, DE XXXX XXXX Inquire on XX/XX/XXXX I wrote to XXXX XXXX asking for the documents or accounts because my identity was recently stole. No reply. 
6. Discover Bank XXXX XXXX. XXXX XXXX XXXX Utah XXXX XXXX UT XXXX Inquire on XX/XX/XXXX Again, no reply from XXXX XXXX. I asked for the documents or accounts information because I was recently an identity theft victim. No response. 
7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX Inquiry on XX/XX/XXXX. I wanted the documentation and account information of this inquire. Again, No response from XXXX XXXX. 
8. Customer XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Inquire on XX/XX/XXXX I wanted documentation of the account. No response from XXXX XXXX. 
9. Discover Bank XX/XX/XXXXXXXX XXXX DE XXXX Inquire XX/XX/XXXX No response from XXXX XXXX. I wanted the documents and information. 

I asked under the FCRA law to expunge these inquiries and place a BLOCK on my credit report and to inform me immediately if an inquiry is placed on my file and prior to sending anything to any inquiring company to inform me.
Product: Credit card or prepaid card

I have been with USAA ( United Services Automobile Association ) for years and after I filed a complaint with the Credit Bureaus about Equal Credit Opportunity Act ( ECOA ), algorithm issues with regard to my credit scores, Fair Credit Billing Act ( FCBA ) - a lot of my creditors started to change my terms and conditions. There have been an unexpected increase in interest rate, was charged too much interest with USAA surprisingly. I have $ XXXX minimum payments which is unreasonable and I requested for an installment loan to pay the debt of faster - get the credit card back on track and was denied - there is inflexibility. It is a USAA rewards XXXX XXXX so I am not sure if XXXX XXXX is influencing USAAs decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon XXXX XXXX and Experian Credit reports to verify the information they are reporting. XXXX XXXX responded in writing indicating the following accounts are not on my XXXX XXXX Account and not being reported. Experian has not responded. I am attaching ( 4 ) 1099-C provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX or Experian, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. Partial Account # XXXX ; XXXX ; XXXX ; XXXX.
Product: Credit reporting or other personal consumer reports

I have contacted Discover about my credit report because a balance is still reporting as a CHARGE OFF. Discover has have failed to send me 1099 debt cancellation form which proves that they reported these balances as a loss to the irs but they are STILL reporting a balance.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C. ( 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, which Antendates 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: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit to see any an old account from XXXX XXXX that was paid off and should be deleted. I was told once full payment was made, the account would be deleted within 30 days. Its been a few months and its still not deleted.
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with this issue since XXXX of 2020 when I paid off my car. I spoke with XXXX at CAC yesterday as well as a few weeks ago and she advised me that CAC reports MONTHLY to all of the credit burreaus. I called XXXX  ( I pay for the service, it's not through a third party like XXXX XXXX ) and it shows that they have not updated my credit file since XXXX of 2020. I've contacted them severly times regarding this, asking for clarification on why it wasn't reported, ask to speak to a supervisor to which I'm sent to collections even though my account is paid and full and closed and I get told there is no credit reporting department contact number, no headquarters number and I just have to wait. 

I have submitted TWO inaccurate credit report documents from CAC 's website. Both of which are " lost '' and they just sent me out another one. 

I then filed a dispute directly with XXXX  containing the Paid in Full, lien electronically released letter from CAC and XXXX  went to CAC to confirm the information and CAC told them that I was past due XXXX and 90-120 days late on payments which is inaccurate. 

I want this addressed ASAP and I would like CAC to be fined for FCRA violations and my credit filed updated ASAP.