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

I've contacted Experian for a couple months or more regarding the accounts on my credit report. They're inaccurate. Nothing that I have knowledge of and obligation to. I havent received any information and the accounts are still re-reporting as negative.
Product: Debt collection

This collection company is on my credit file. I do not know who they are. I dont know why I have not received a letter of debt from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I re applied to XXXX as a driver, due to error on my background check through checkr inc I was denied employment opportunity .since XXXX I been trying to solve the background issues with checkr inc address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Tell. XXXX XXXX XXXX Checkr.com I file multiple dispute, I have not gotten any results.
Product: Payday loan, title loan, or personal loan

An initial request for any and all documents in relation to or regarding the account in question were requested on XX/XX/22 via email. Greensky denied having any other documents excluding those accessible via their web portal - related to the account after months of pursuing. On or around XX/XX/22 a rep stated, via a recorded telephone conversation, other documents were in fact in existence, yet I was not allowed to have them. I repeatedly asked for the documents, she repeatedly denied the requests. 
Greensky has violated my consumer rights by denying access to any and all documents in possession associated with the account, Greensky actively concealed my access to the information despite acknowledging its existence. 

Greensky has violated the following but not limited to Section 609. Disclosures to consumers ( 15 U.S.C. 1681g ), Section 610. Conditions and form of disclosure to consumers ( 15 U.S.C. 1681h ), Section 616. Civil liability for willful noncompliance [ U.S.C. 1681n ], and Section 617. Civil liability for negligent noncompliance [ U.S.C. 1681o ] which is legally enforced by but not limited to Section 621. XXXX XXXX [ 15 U.S.C. 1681s ] of the Fair Credit Reporting Act 15 U.S.C XXXX Greensky has violated the terms and conditions of the Loan Agreement. Via a recorded telephone conversation, on or around XX/XX/22, XXXX XXXX refused to honor and uphold the terms and conditions on page 7 of the companys agreement which states : Your Rights If You Are Dissatisfied With Your Payment Card Purchases If you are dissatisfied with the goods and services that you have purchase with you Loan, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true : 1. The purchase must have been made in your home state or within XXXX miles of your mailing address, and the purchase price must have been more that {$50.00}. ( Note : Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that you the goods and services. ) 2. You must have used your payment card for the purchase. 
3. You must not yet have fully paid for the purchase. 
If all if the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at : GreenSky Program Attention : Disputes XXXX XXXX XXXX XXXX, GA XXXX You may also contact us at XXXX While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you delinquent. 

XXXX stated she agreed that my efforts met the requirement to honor the right to not pay yet would not honor it.
Product: Credit reporting

On the statement from my financial institution, on XXXX/XXXX/2017 barclays bank extracted the full balance owed of {$4100.00}. So, i made a dispute for the inaccuracy because the bill had been paid in full, and on XXXX/XXXX/2017 they reported & dispute 'resolved ' that no payment had been made, & even increased the balance owed. Again my credit report was updated on XXXX/XXXX/2017, with still no mention of this payment and that it had been paid in full, & the increase in debt owed is violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XXXX XXXX .To remove personal information that I don't want on my credit report.According to the fair credit reporting act. 15 USC 1681 .I have the right to privacy .And also According to 15UCS 6802 NO finacial institution is ever suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please look at my both of XXXX XXXX Mortgages. They are not showing payment history for the past 8 years. I successfully received a BK discharge in XX/XX/2014. The creditor has never taken my mortgages out of bankruptcy ; therefore I have gone 8 years with no positive payment history on either mortgage. This has significantly cased me to have problems as a consumer when I should be in this situation. XXXX XXXX XXXX servicing is threatening foreclosure it is an old HELOC on my primary residence that I want to refinance and payoff but I can not because it still shows me in bankruptcy chapter XXXX. However, I am 8 years discharged. XXXX is ONLY offering me a modification but this further denigrates by ability to recover ; it is simply not ok or just. 
PLEASE HELP!!!!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX, XXXX, XXXX Creditor Name : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that this account was not reporting accurately. I had one late payment and it says it was paid by collateral which is simply untrue. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. the account is - XXXX XXXX XXXX. with highest balance of XXXX XXXX and it was opened on XXXX, XXXX, XXXX this account is showing false information so I ask for an investigation on this account across all three major credit bureaus. my social security number is XXXX
Product: Checking or savings account

l'am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : CFPB Case # XXXX To Whom It May Concern, I am writing in response to your letter dated XX/XX/year>, regarding the above-referenced case. While I understand your position, I respectfully disagree with your inability to include my UCC-1 financial obligation documents in my consumer report.

As previously stated, the lien and judgment records in question are part of the public record, and I believe these should be included in my consumer report, just as other public records are. I acknowledge that you do not add data from private parties, but the records I am requesting are filed with the XXXX XXXX XXXX XXXX XXXX and are verifiable via public records. 

It is my understanding that public financial information, especially UCC-1 filings, should be accessible and accurately reflected in my consumer report. Given that you already include public record data from other government offices, I respectfully ask that you reconsider the inclusion of these filings in your reports. As I have already provided the necessary documentation for your review, I would appreciate further clarity on why these specific records can not be included, especially considering they are public filings and verifiable through government channels. 

Thank you for your attention to this matter, and I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ---
Product: Student loan

I have student loans from XXXX XXXX College ( XXXX, MD ), I last attended in XX/XX/XXXX. I didn't return the Spring semester due to I was told the school was not doing the XXXX program in XXXX only in XXXX. I never withdrew from the school being that I was told the school was working on its problems to stay open. The XXXX XXXX XXXX was in the process of withdrawing their accreditation, They were made aware that the student needed to be in a Teach out. Well I live in XXXX and the Teach out was for only students in the XXXX area, XXXX was a XXXX school. The school closed in XX/XX/XXXX. I am not left with over XXXX worth of student loans and I am not able to have them discharged. I was not able to transfer credits, so I took classes that did not benefit me. I want to know what can I do to get the loans discharged. I have applied for a loan discharge 2 times. I also had contacted the State of Maryland Consumer Protection Division about the issue and the rep told me to contact Navient again. But what was the use and I had already tried twice. I can't transfer the classes, so I took out loans for absolutely nothing.
Product: Checking or savings account

Scammer opened bank account in my name. They had my full name, SSN and address. I contacted Bank of America and they closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off this auto loan over 3 years ago it is still showing a XXXX balance on my Credit report but showing 120 days late..this is negatively affecting my credit this needs to be removed from my credit report altogether thanks account number XXXX XXXX XXXX XXXX XXXX  Account 1 : XXXX and Account 2 :  XXXX XXXX XXXX DOB XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this collections creditor two letters asking for full validation of the debt that they are trying to collect from me and reporting against me on the credit reports. I have a right to understand the charges being held against me. To date, I've yet to receive any answer, but yet they are allowed to be reporting against me on the credit report, whether the information is right or wrong.
Product: Credit card or prepaid card

As of XXXX XXXX, XXXX, I owed XXXX XXXX, dba Comenity Bank {$450.00}. On XXXX XXXX, XXXX I paid them {$300.00} although my payment was n't due until XXXX XXXX, XXXX. The mortgage company that I am working with to buy a home required that I pay this account in full so on XXXX XXXX, XXXX, I paid the remaining {$140.00}, still days before the due date. Since they did n't show the now {$0.00} balance on my online statement we had a three way call with someone from Comenity Bank along with myself and someone from my mortgage company to confirm that I had a XXXX balance. A few days later I go to check and see if the online statement now reflects a XXXX balance and instead I see a balance of {$6.00} which was added to my account a week AFTER I paid this account in full. When I questioned it this is the response I received from Comenity Bank : " Your question in regards to the interest charge is understandable. On your previous statement, we informed you of an update to your Credit Card Agreement ( CCA ). This notification was to inform you that beginning on your next statement, purchases made outside a Grace Period would be assessed trailing interest resulting in a finance charge after the balance is paid in full. Interest is charged from the transaction date until the balance is paid in full. Since interest is calculating until the date the payment is received, you will receive a statement for the interest charged in the previous billing cycle. If you pay the trailing interest finance charge statement by the due date, you will not be assessed finance charges during that bill cycle the following month. '' Keep in mind that I had not made any purchases at XXXX XXXX in months and also I, like many people these days, pay my bill online. While I do receive a " paper bill '', I do n't even look at it as I know when my payment is due and I pay it days before it is due so they slipped in this " trailing interest '' without me knowing about it. I feel it is completely unethical for any company to do this especially when they have already charged the consumer over 20 % interest. While this {$6.00} does n't affect me financially, I feel it is an underhanded practice and should be investigated. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX XXXX****-Balance {$XXXX} XXXX XXXX***-Balance XXXX XXXX***-Balance {XXXX XXXXBalance {XXXX
Product: Mortgage

I have been denied a refinance on my primary residence because of a erroneous report to the credit bureaus by Wells Fargo Financial. I originally had my payments set up on automatic payment schedule but was forced to cancel because the payment was due to be withdrawn on the XXXX of each month and they were taking the payments out as early at the XXXX of the month resulting in overdraft charges. My management fees can not be collected until the end of each month and my Social Security check is deposited the XXXX Wednesday of each month. These withdrawals would have been covered on the XXXX of the month., The credit union refused the last withdrawal when I informed them of the issue and I sent them a check as soon as we were sure they were not going to attempt another withdrawal. They added late charges and add'l interest to my account. When I requested that the charges be reversed they refused but suggested I have the balance added to the end of the contract. I responded that ethically they should reverse the charges but if they would not then I agreed to have them add the charges to the end of the contract. After offering to do so they instead left the overdue balance on my statement and continued to add more late charges. After many attempt to resolve the issue I gave up trying and eventually they wrote off the balance. I paid all of the principal payments and interest to the end of the contract but they reported it as a " short pay '' which affects my ability to refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE FRAUDULENT AND DO NOT BELONG TO ME.
Product: Credit card or prepaid card

SUMMARY : I placed two orders, two days apart on XX/XX/XXXX and XXXX, 2020 respectively. 
I NEVER received these two shipments. These shipments presumably came during the state Covid pandemic shutdown by Gov. XXXX. I usually placed 3-4 orders per month from XXXX XXXX. ( Very few shipments came whole. Lots on back order. Hard to keep track. Cards would come in the mail stating back order dates had new back order dates. Some merchandise was cancelled to me, but, still sold through their catalog. 

TIMELINE : I got my monthly statement from XXXX XXXX  on XX/XX/2020. I noticed two charges in the amounts of {$170.00} and {$120.00} for which I have no merchandise to show for these charges. These total {$290.00} On XX/XX/2020 I called Comenity Bank who handles XXXX XXXX  charges. They forwarded me to customer service reps, dispute resolution supervisors a total of at least 6-7 people over 4.5 hours on this date alone. The amount of hang ups, wait time on hold, etc was insanity. The last person who spoke to me said everything now is a final sale and I must pay whether I got the merchandise or not. 

On XXXX through XX/XX/2020, I called Mr. XXXX XXXX, CEO of XXXX XXXX XXXX which XXXX XXXX is part of. I never received a phone call, voicemail, email from anyone from XXXX XXXX or XXXX XXXX. My last message stated that if I didnt hear from someone that I would contact anyone who would listen about how they conduct business. Still, no call. 

CONTACTS : XXXX XXXX XXXX Comenity Bank XXXX Mr. XXXX XXXX, CEO of XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX ) XXXX ====================== IN ADDITION : When I received my XX/XX/2020 statement there were three charges for items I never ordered.The amounts they charged me were : {$91.00} ; {$110.00} and {$83.00} for a total of {$290.00}. 

ALSO : When I went to access my account, on line, they deleted my entire order history with them, going back over two years.
Product: Vehicle loan or lease

I have called Global lending services regarding a car payment that was authorized by then and taken from my bank account yet Global Lending says its not there and yet its showing in my bank account as submitted and paid by debit card. They have put my car in an acceleration process threatening to repo my car when I in fact made the payment on XXXX as requested. I feel that Global lending tried to block the payment but it in fact went through. Now they are holding the release of my funds In pending transaction.. So that I will default and they can repo my car.
Product: Checking or savings account

I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report which is fraudulent. 
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. Items listed above, have violated my rights.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 ( AN ( 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.

I have NEVER opened or used the following account numbers, please remove all information below : Bank Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX Equifax XXXX XXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. The information currently reflected on my consumer report is outdated or incorrect. Please update the following details to match the information on my photo ID : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Current Address:XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  , FL XXXX Additionally, I request that you remove any old or incorrect information from my file to ensure the accuracy of my consumer report. 

I am attaching a copy of my drivers license as proof of my identity for verification. I appreciate your prompt attention to this matter and look forward to receiving confirmation of these changes. 

If you require any further information, please do not hesitate to contact me. 

Thank you for your assistance. 

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

These accounts do not belong to me, please block and remove according to 15 USC 1681c-2