23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have canceled service with the dealership, and I got a refund for the amount of {$2200.00} posted in my account. However, the account paid off. The refund check was supposed to be mailed out to my address after a month from the date it got posted on the account, XX/XX/XXXX. Today 's date is XX/XX/XXXX and the check still pending. Every time I reach out to customer service ( XXXX ) XXXX, the only answer I get is the " We will send out a follow-up email to the payments department '' or send out a service request. When I follow up on those emails or service requests, the answer I get payments didn't respond " we will have to send a new email '' I have submitted a complaint through XXXX XXXX XXXX twice and no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRIED TO HAVE CONSUMER FRAUD ALERT REMOVED. THEY WON'T DO IT, EVEN THOUGH I HAVE MY PIN AND INFORMATION FOR ALL 3.

THIS IS LIFE THREATENING, I NEED XXXX TO SAVE MY LIFE AND THESE XXXX   REFUSE TO REMOVE THE FRAUD ALERT SO I CAN GET MY LIFE SAVED!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have successfully been able to remove this fraudulent account from XXXX and XXXX, however Experian has yet to remove this account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am deeply upset about the erroneous things I see on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX did not represent themselves as XXXX. However, they are currently reporting the last payment amount was XXXX This is inaccurate information. The last payment amount was XX/XX/XXXX. Please have this company send a validation letter showing I did purchase the car with identifying information. 

The car is showing reposession. Please have them show the last date of payment. The day the car was reposessed. 

Transunion is reporting the balance amount is XXXX this is incorrect. They are also showing the past due amount is XXXX this is also incorrect. Please have all necessary documentation to show that a balance is owed on this car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently pulled my credit report in preparation for a home purchase and saw I had an account in dispute status. I called all 3 credit bureaus to get this creditor remark removed an was assured it would be removed. I pulled credit reports again on XX/XX/XXXX and saw the remarks still on my report so I called AGAIN and was assured they would be removed. To date XX/XX/XXXX, they are still showing on my credit report. This is causing me delay in getting my mortgage. This is VERY damaging to me as I was assured twice now that this would be resolved in 48-72 hours. 

ALL DISPUTE NOTATION IN THE CREDITOR REMARKS MUST BE REMOVED FROM MY REPORTS. I DO NOT DISPUTE ANYTHING ON MY CREDIT REPORT. ANYTHING SHOWING DISPUTE ON MY FINE IS INACCURATE INFORMATION AND AS SUCH NEEDS TO BE REMOVED FROM MY FILE.
Product: Debt collection

Debt was the result of fraudulent charges that were charged to my XXXX account as part of a prepaid rental. The rental was prepaid with priceline.conm to include insurance at a cost of {$200.00} for 3 days. At the end of the rental an additional {$230.00} was charged to my card in addition to the original {$200.00}. When I inquired about the duplicative charges I was told that is was for additional insurance policies that I never asked for and some were actually duplicative. The prepaid amount included {$9.00} per day of damage and collision but XXXX included the same insurance at {$27.00} a day without my consent. XXXX and XXXX both agreed that the charges should have never been posted to my account and XXXX voided the charges. I am now receiving a collections notice that these fraudulent charges are being put on my credit report. I never received a certified letter from the collections agent just a regually mailed letter as well.
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 XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 Balance {$48000.00} ; XXXX XXXX XXXX XXXX Balance {$18000.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$9400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent Inquiries on my credit profile that I did not do. ( Identity Theft XXXX XXXXXXXX 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 card

I have been working with a financial counseling company on a debt management plan to pay off old credit card debts since 2013. I have been making payments faithfully for the past XXXX years and have not missed XXXX payment. I was getting excited because I thought I was getting close to paying the balance off. - only XXXX or XXXX more payments However, in the last month I noticed that my XXXX statement was updated with a new balance and showed that I still owe over {$800.00}. I followed up with the financial counseling company to see why this changed. They said they only recently got an update from Citi reflecting the new balance, but the balance was quite a bit larger. This concerned me so I checked my records, including my credit report. The highest balance on the card that was reported was {$5700.00}. I have paid {$5400.00} to this debt to date. This should leave me with a balance of {$310.00}. Citi is quoting the balance at {$810.00}. I asked the financial management company to contact Citi, which they did, but they could not get a sufficient answer as to the discrepancy and suggested to them that I call. I just got off the phone with a Citi recovery representative, who could NOT tell me where the discrepancy took place or why, and that their system showed {$810.00} as the remaining balance so that must be it. He did verify the beginning balance at {$5700.00}. He was providing me with information on only XXXX year 's worth of reports ( last year ), and told me he would have to request permission to get my reports from when the payment plan started, and I would have to call back in a week. This is unbelievably frustrating that no one can pinpoint where or why the balances are different. In addition, I have not been receiving ANY statements from Citibank, or the company that they apparently sold my debt to.
Product: Credit reporting or other personal consumer reports

I have one name and that is the only one that should be on my credit file and that is XXXX XXXX. Also I have only one address and that is the only one needed on my credit file XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Oregon XXXX. Also I have only one phone number and that should be the only one on my credit report XXXX. I have only one e mail address and that is the only one I want to see on my credit file and that is XXXX. other than that my birthday is XXXX. And any other information other than what I have agreed upon being mine should be removed immediately and any information containing addresses and phone numbers and other names should also be removed if it is listed with any other names addresses phone numbers or emails other than what I'm giving you rite here and now then it is listed with false information and there for incorrect so it should be immediately removed from my credit report unless it is 100 percent accurate with only accurate information.
Product: Student loan

i have been attempting to pay my student loans from the years XXXX i attended XXXX XXXX. i also had individuals close to me falsify my name and use me for what i thought was a grant/deposit from my college after having paid my tuition. bottom line, i can not afford to pay the amount owed and my entire credit profile/debt/stress/inability to obtain basic items is in jeopardy. i am a XXXX XXXX XXXX XXXXXXXX, a man who has been getting " bullied '' and harassed for years by debt collectors/con artists etc. i can explain more however i am respectfully requesting that my entire deb in full to the company known as navient, formerly sallie mae, be forgiven based on my public service and my disabilities and my inability to pay unless i declare bankruptcy or am able to collect back pay from the dept of veterans affairs.
Product: Debt collection

Ocwen Loan Servicing , LLC became the alleged loan servicer on my mortgage when the mortgage was in default, which qualifies Ocwen as a debt collector. I disputed the mortgage with the alleged lender and on XX/XX/XXXX the grantor notified XXXX that the dispute had been settled by the grantor, the account balance is zero and the account is closed. Ocwen stopped reporting information to the credit bureaus as a result of the grantors settlement of the debt on XX/XX/XXXX, however, Ocwen has continued its attempts to collect the debt. On XX/XX/XXXX, I sent XXXX XXXX, at Ocwen an email informing him that the balance is zero and that a satisfaction needs to be recorded in the XXXX County Register of Deeds to reflect that the mortgage has been satisfied/canceled. I asked for a reinstatement amount if any that Ocwen was claiming was owed that was different from the Zero balance reported by the grantor and XXXX XXXX XXXX replied through counsel representing Ocwen that the reinstatement amount exceeded XXXX. XXXX continued attempts to collect on this closed account violates FDCPA laws as Ocwen is misrepresenting the amount and status of the alleged debt.
Product: Debt collection

Letters were sent to credit bureaus regarding this account not belonging to me due to lack of validation and there has been no communication regarding where this debt is from. The debt is not verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent the last several months trying to deal with a fraudulent account listed on my Equifax report and the lender is XXXX/XXXX XXXX. I have sent in multiple disputes with detailed documentation as supporting evidence that the account does not belong to me and Equifax has not removed the account and XXXX keeps verifying the account that I have no knowledge or consent of. If I have sent the required information to Equifax, they are required to remove it. It has severely hindered my financial outlook and all I am asking for is a removal. I have provided everything in the form of documentation and have patiently waited and nothing has changed because XXXX wont remove something that does not belong. I don't understand why I being dealt this situation when I have done nothing wrong. This account should not be associated under my name and social security number and I'm asking for XXXX remove this account and information from my name and social security number and for Equifax to remove the account from my credit report. This has been a prolonged process that shouldn't have taken place. I have spent countless hours and time trying to remedy the effects of this fraudulent account on my credit report and I just politely ask for a quick and seamless removal of the account from my name and social security number and for Equifax to do the right thing and remove the account from my credit report and send me finalized documentation of the removal.
Product: Consumer Loan

Went to lease a new Toyota Prius. The dealership made a deal without checking my credit report. They advertise XXXX+ FICO credit rating. My credit cards free FICO report showed XXXX+ on my statements, so I was n't worried. After transferring insurance and making the down payment, a person from the finance department showed up and said, we have a problem, my credit rating is less than XXXX. I asked ; which credit FICO or Vantage? His answer was ; Your XXXX. That is your credit, if you want the car the payment will be {$65.00} more.Being my insurance already transferred at that time, I decided I can pay for the new amount, but I still do n't think that is the right amount or that was the right way to make the deal. Also, I have a feeling they use, Instead of FICO, the Vintage credit score wich in most cases much lower, again Toyota advertises FICO!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey my name is XXXX XXXX I am writing to express my ongoing concerns regarding the credit bureaus ' compliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts on my part to address these issues with the credit bureaus, they continue to disregard the provisions outlined in the FCRA, which is preventing me from getting a job. Ive been hung up on, and shut down on many occasions by the bureaus ' so now Im coming to you guys begging for your help.

As per my simple understanding of the FCRA, I would like to draw your attention to the following relevant sections : 1. Section 15 USC 1681i ( 5 ) : This section states that the credit bureaus have a responsibility to modify or delete accounts that are reporting inaccurate information. However, despite presenting evidence of inaccuracies, the credit bureaus have failed to take appropriate action to rectify these discrepancies.

2. Section 15 USC 1681b ( 1 ) : According to this provision, the credit bureaus are required to obtain written permission before disclosing consumer information. It has come to my attention that the credit bureaus have not obtained such permission in certain instances, thereby violating this crucial aspect of consumer privacy.

3. Section 15 USC 1681 : This section establishes my right to privacy as a consumer. I believe that the credit bureaus ' actions, as described in my previous correspondences, have compromised this right by mishandling and disclosing inaccurate information without my consent.

4. Section 15 USC 1681s-2 : This section outlines the obligations of individuals and entities providing information to consumer reporting agencies. It clearly states that information should not be furnished if it is known or reasonably believed to be inaccurate. Despite my notifications and confirmation of errors, the credit bureaus have continued to report inaccurate information, disregarding their obligations under the FCRA.

I could continue providing additional examples that illustrate the credit bureaus ' consistent failure to comply with the FCRA. It is disheartening to witness their lack of respect for the laws put in place to protect consumers like myself.

I kindly request that the Consumer Financial Protection Bureau takes appropriate action to hold the credit bureaus accountable for their non-compliance with the FCRA. It is crucial that steps are taken to ensure that they adhere to the provisions outlined in the act, rectify the inaccuracies in my credit report, and prevent such violations from occurring in the future.

Attached to this complaint, you will find copies of the previous correspondence I have had with the credit bureaus, highlighting their lack of compliance, and highlighting the many issues on my report. I trust that this documentation will aid in your investigation and enforcement efforts.

Thank you for your attention to this matter. I greatly appreciate your help. My life is put on hold as of right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Product: Checking or savings account

I had an account closed with Wells Fargo that was opened in 2001 when I was at XXXX XXXX XXXX XXXX with {$63.00}. I have not received this money- though Im told it is with the Texas Comptroller. However, the Texas Comptroller needs to verify that I own the account. Wells Fargo knows I have been a customer since 2001- and knows that I now have an XXXX XXXX account there and I have been a customer since 2001. However, I need documentation verifying I owned that account that was closed with {$63.00}.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
CITICARDS CBNA XXXX
Product: Money transfer, virtual currency, or money service

am filing a complaint against XXXX XXXX regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. XXXX XXXX misrepresented the XXXX XXXX  account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill theirto fulfill their advertised promises.
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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Paypal Closed my account on XX/XX/2022 and will not help me in getting it back open. I'm not sure if this is some kind of mistake as it has to be. I am verified with paypal and have used it for over 5 years with no problems. I called and spoke to customer service to see what the issue is but they say they cant tell me the reason and cant help me but i remembered i can make a report here as i feel they are not doing their job properly and it has affected me a great deal since i cant access my funds. my details linked to my paypal account are : XXXX XXXX
Product: Debt collection

HAVE BLOCKED THERE NUMBER. DO NOT HAVE ANY OUTSTANDING BILLS. THEY HAVE BEEN CALLING FOR OVER THREE WEEKS.
Product: Checking or savings account

There was a purchase for a {$20.00} shirt via XXXX and my debt card. The subtraction came on my account on XX/XX/XXXX. For the amount of {$210.00}. A adustment was imediately filed with my bank and yet there is still no return of my funds that were overcharged. I was told in a letter from the adjustments department that I would be notified of their decision as ofXX/XX/XXXXXX/XX/XXXX. I heard nothing from them and when calls are made to the bank the response is that they are still trying to reach the vender. I am told by the Ct. Attourney Generals office that after 45 days from my complaint a charge back should have been made to the vender or his XXXX companys account and my funds returned. However there has been no such action and my bank tells me that if and when they recieve the funds back then and only then will I be reimbursed. I am filing this compaint to try to get my fund returned.