23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My daughter attended XXXX in XXXX, NC. upon her graduation she immediately began getting a call from Citi , Corp. She assumed it was fro a credit card that she had gotten when she first attended college and told them that she dd not have a student loan with Citi . I was immediately contacted and told to pay the loan. I told them my daughter did not have any private student loans and I had not co-signed for any student loan other than completing her FAFSA. They immediately began telling me that I needed to pay the loan or they would have my daughter investigated for fraud and imprisoned. I requested confirmation that I had signed for this loan and was refused on the grounds that " it was not my loan ''. I contacted her school and was told that they had no documentation of this loan or a disbursement to my daughter. Shortly after the loan was placed on my credit report and my score dropped significantly. I was contacted again at my place of employment and when I asked how they obtained my work number, the CSR told me they were a credit issuing company and they could obtain any financial and employment information out about anyone. I again asked for verification that I signed the loan and was refused. I also asked that the loan be deferred since I was a full-time student and was told " not possible since the loan was not mine '' so I asked that it be removed from my credit report and the request was also refused with the CSR saying they could always have my daughter investigated fro fraud and imprisoned if XXXX of us did not pay. Finally after they defaulted the loan on my credit report and refused to send me any documentation, I contacted them about repayment. They told me they would be glad to send me the documentation once the loan was paid. I paid the loan in full and later received a XXXX page loan application that contained neither a signature for myself or my daughter. Instead, the signature line for both has typed " signed electronically ''. The School Certification section is completely blank except fot the school ID code and there are no signatures from any school official on the application, or any other information form the university. Additionally, the original loan request was for {$10000.00}, which far exceeded what it would have cost my daughter to attend this public university as she was a commuter and stayed with family members and at that time they " issued '' this loan, my annual salary was only {$30000.00} so there was no way I could have afforded a {$10000.00} loan. My daughter also received FAFSA and XXXX during this time and a scholarship through my place of employment so this loan would have been completely unnecessary.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications XXXX be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Checking or savings account

I opened up a CitiGold checking account back in XX/XX/XXXX using a promotion that would give me XXXX XXXX XXXX miles once Ive made 2 bill payments and {$1000.00} in purchases on my debit card. I completed the requirements and hadnt seen my points post yet. I submitted a secure message around XX/XX/XXXX and the representative confirmed that I completed promotional requirements and that I would receive the I would see the miles post by XX/XX/XXXX.
Unfortunately the miles never posted and citibank reneged on their end of the promotion even though according to the terms that were displayed on opening my account I should have been eligible. I had to pay several months of monthly service fees for a bank account and did not receive the promised promotion.
Product: Credit reporting or other personal consumer reports

Update on Equifax report XX/XX/scrub>XXXX XXXX XXXX now has added an inaccurate amount that was {$0.00} to now {$1900.00} after company replying to the CFPB that they removed the account from my credit file and they had removed it from XXXX as well. They are now committing fraudulent activity in regards to my credit report by continuing to change the amount on a closed account. This is against the law to do this through thd FCRA laws. Account was removed from both credit bureaus and yet updated the account and changed the amount on Equifax. That is against the law. I will no longer tolerate the inadequate remarks and FCRA laws this company is breaking and have contacted an attorney to discuss legal action.
Product: Checking or savings account

I can access my Discover checking and saving account until XXXX XXXX  on XX/XX/year>. I received emails from Discover Bank on XX/XX/year> at XXXX and stated my Discover checking and saving account were closed due to business reason. 

I didn't do any unusually transaction and I called customer service several times, but they couldn't see any reason why my accounts were closed. 

I have over {$1000.00} in my checking and saving account, and I used Discover XXXX XXXX pay to pay XXXX  fee {$300.00}, the check was delivered, but not XXXX cashed. If they cash the check tomorrow, the check will be bounced back, and I need pay the late fee and check return fee. 

I didn't do anything wrong and please keep my Discover checking and saving account open.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Capital One closed out my credit card account due to personal information that XXXX, XXXX, and XXXX reported to them.Reporting According to the Fair Credit Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic nonpersonal information. Per 15 USC 1681 section 604 ( a ) section 2 states '' In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer whom it relates. Capital One, XXXX, XXXX, and XXXX the financial institution and the Consumer reporting agencies do not have my consent whether it be verbal non verbal written or non written or otherwise is revoked.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the accuracy of late payments reported on my XXXX mortgage account on my credit report. I previously submitted a dispute regarding these discrepancies, but despite this, the reported errors remain unchanged. In light of this, I am requesting that TransUnion conduct a thorough re-investigation into the inaccuracies detailed below. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), I request a detailed description of the investigation process followed by your agency within 15 days of receiving this dispute. 
Summary of Discrepancies The XXXX mortgage account displays significant inconsistencies in late payment reporting across the bureaus : XXXX and TransUnion report late payments in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows only XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Acts requirement for accuracy in reporting. I request that you thoroughly investigate these discrepancies and correct the account status to reflect Paid As Agreed Never Late accurately.

Request for Documentation Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process conducted by your agency in response to my dispute. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding my account that solely pertains to my experience and payment history be reviewed for accuracy. I ask that this investigation be conducted within the legally mandated timeframe of 30 days and that the results be provided to me in writing.

Furthermore, if you can not provide evidence to substantiate the late payments, I demand that the account be updated to reflect its accurate status as Paid As Agreed Never Late. In the absence of valid proof, I expect immediate correction of my credit report to reflect my timely payments, which is my right under the FCRA. 
Reference to XXXX ( Paid As Agreed Never Late ) The account history should reflect Paid As Agreed Never Late to ensure that my credit report accurately represents my financial responsibility. My records indicate that I have upheld all payment obligations without delay. 
Thank you for your attention to this matter. I look forward to a prompt and accurate resolution in alignment with the standards set forth by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I honestly believe Citi Bank and Sears set out to defraud me. I was lied to by Sears Salesman to get me to buy a poor quality home improvement product which was poorly installed at an overly inflated price. I question the fact it was too high priced {$11000.00} for just the gable ends and XXXX lean to wall. I was told I was getting perks for example lifetime wholesale buying on any Sears product. I found out a month later this was a lie when I went to buy a washer at Sears. I called Citi Bank Sears Card complaining that I did not get what I paid for. I would be placed on hold or forward to another customer service in another part of the world. I never got to talk to the dispute dept until I stopped paying on the card this past XXXX 2015. I tried writing and calling two years but continue to make payments until XXXX 2015. I paid {$4800.00} which I want refunded. The siding is falling apart after year and half. I would have never bought this if I was n't made false promises to lure me in. Citi is constantly calling me telling me I owe over {$10000.00}. This is a joint corporate scam. Sears card should be shutdown. I am XXXX on a fixed income and was taken advantage of. I want my money back please and no blemish on my credit. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Date of Birth : XX/XX/1996 SSN : XXXX Address : XXXX XXXX XXXX, XXXX TN, XXXX Information belongs to someone else ( identity theft, fraud, error ) Identity theft report filed in reference to account number XXXX associated with XXXX  XXXX XXXX  XXXX ( XXXX XXXX ) this account is still appearing on my Transunion credit report and it's been successfully removed from my XXXX and XXXX  XXXX reports. Account fraudulently opened in my name without my permission or consent. Please remove. Attached documents please review
Product: Debt collection

I worked at XXXX for 3 years as a sales consultant, I was discharged from the job for using a wrong coupon to match XXXX online free delivery which is approved by XXXX Management without any warning or notification, after a month I received a letter from a debt collector XXXX XXXX and associates that I owe them XXXX $ for the issue that happened at XXXX and threaded me to escalate the issue, after their second letter asking for XXXX $ I send them back a letter that I do not owe this amount and explained that I used the coupon for the benefit of XXXX to close the sale and asked them to stop harassing me. They stopped sending letters since then but I keep receiving robot calls asking to make a payment, I filed multiple complaints to stop the calls, they changed the phone numbers and still calling me everyday. Please I want them to stop harassing me by their calls.
Product: Vehicle loan or lease

I took out a loan in XX/XX/2015 with XXXX/Synchrony Bank, I set up auto payments for the loan for the XX/XX/XXXX of each month. Now that the loan is almost done I get informed that almost every payment ( 33 ) total were late because the bank did not get them until the XX/XX/XXXX and late fees were assessed. 

When I called to ask if the loan was paid in full so I can get the title, I was told that the pay off is {$1500.00} all late fees. I have never dealt with a bank that didn't have a grace period but was told by customer service rep that " If I would have read the contract and paid more attention to the monthly statements I would have known '', and it is not their responsibility to let borrowers know they are delinquent. 

I believe this practice is wrong and I have been unfairly charged along with anyone else dealing with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow-up to my previous complaint that contains a disputed items which I believe to be erroneous and must be deleted immediately. Kindly remove the following items immediately. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$18000.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Student loan

Consistently getting emails and phone calls from Nelnet stating that the account is past due by 75 or more days. The emails contain titles like " take action to keep your delinquency from being reported ''. The issue is that the account has been paid and I am fearful that my credit will be destroyed by these false allegations and incorrect data. I have fell victim to predatory student loans in the past.
Product: Debt collection

This company XXXX XXXX XXXX located in XXXX  left a message on my relatives voicemail who lives out of state from me. I called them at the number they left today XX/XX/XXXX. This company claims that they are attempting to collect a debt that was issued in my name in XXXX in California online from another company called Cash Store. I have never been issued a cash advance loan ever ; I have never previously qualified for a loan because I never established credit and I would never apply for those loans because I consider them predatory high interest loans. I asked XXXX to send me a debt validation letter with a copy of the loan application and they said they dont have copies. They also have the wrong social security, it wasnt mine. I informed XXXX that in order for a loan to be issued it must match the borrower. They said it was done online. I told them I was disputing this debt collection because it was fraud and if there was any loan issued from Cash Store it would be due to identity theft. I called Cash Store and they informed me that they have no record of a loan ever being issued in my name or that social security number. Cash Store also stated that they dont issue loans in the state of XXXX  XXXX When I requested they investigate this as fraud Strategic said they took that as a refusal to pay the debt and that Cash Store is pursuing a lawsuit in XXXX XXXX XXXX and that they filed something in XXXX. I believe this company is a scam collection company.
Product: Debt collection

account # XXXX has been charged off with Bank Of America, according to the IRS a charged off account is not considered debt it a profit loss for a creditor or financial institution and income for a consumer who can file a 1099 C as well. Bank Of America filed a 1099 C but I the consumer didn't receive a copy of the 1099 C. furthermore a charge off should not be reported as debt on a consumer report because the IRS states that its considered income and income is not reported on a consumer report therefor a creditor or financial institution is committing fraud Furthermore XXXX XXXX XXXX is trying to collect on an account that has been charged off and deemed as income by the IRS and is considered income and they are also committing fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has all violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act has violated my rights 15 U.S.C 1681 section 602 A states, that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states, that a consumer reporting agency can not furnish an account without my written instructions. I have no knowledge of these companies and they should not be reporting as I never permitted the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this.

I was never notified in writing, per 15 U.S.C 1692g before an account was on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

15 U.S. Code 1681b - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) the procurement of the report by that person. ) Privacy Act considerations.

A delinquent debt may not be reported under this section unless a notice issued under the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau.

The Privacy Act of 1974 is a federal law that governs the collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure.
Product: Credit reporting or other personal consumer reports

I moved into XXXX XXXX  on XX/XX/XXXX and put up a security deposit of {$150.00}. When I moved out on XX/XX/XXXX for which my lease was up XX/XX/XXXX I gave them a 60 days written notice. The lady with a XXXX XXXX tattoo told me I could stay until the XXXX of XXXX of XXXX. She told I could pay a prorated rent of {$600.00} and I did. XXXX took the notice, but she moved to corporate which is XXXX XXXX. The address for that apartment was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX and I got my keys off the door the morning of XX/XX/XXXX. I moved into my new apartment on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. When I moved out the lady with the XXXX bird tattoo told me to come back for the security deposit. She was busy the next time. Then after that there were XXXX more new ladys and they told me to call a lady and they were charging me for that whole month and I explained what had happened and they told me they took it off. Well, I called the number and no one answered ever and the voicemail was full, but I left messages. I sent emails to managers whom never got back to me and I talk to XXXX like a couple of months ago and she never got back to me. I called XXXX after they had put it on my credit and the told me they took the first months water bill out of the deposit and keeping the rest for rent from XX/XX/XXXX, XXXX XX/XX/XXXX and I was living in my new apartment then. Before that call they were saying I owed water, electricity, trash, when all that was included in the rent at that time for the prorated rate. If I owed for the first months water then they should have talked to me about and billed me before taking it out of my security deposit. I do not owe for living there after XX/XX/XXXX, that is identity theft and fraud them charging me rent and taking my security deposit like that. The water is not even that much from XX/XX/XXXX to the end of that month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - I provided Equifax with proof of a Tax Lien withdrawal. Equifax sent 1st notice stating that it did not exist. I again disputed the item and received a notice that it has been deleted. The item still remains and after 2 additional attempts to have the item removed.