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

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
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

Partners Financial services inc. placed an account on my credit report that is damaging my credit. I have tried to contact them to have them send me proof of the account belonging to me or remove it and they will not respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

I received these following emails from Experian offices. 

XXXX XXXX XXXX XXXX XXXX XXXX important information XXXX XXXX XXXX & XXXX  report # XXXX for XXXX XXXX ( member ID XXXX ) The report stated it had corrected the information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by adding 'PAID ' on status. 

XXXX  ( report # XXXX ) XXXX XXXX XXXX XXXX The portion of statement amount is gone. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
LOAN OFFER Even though I unsubscribed all these loan offers, credit card offers, mortgage offers, I started to receive the loan offer. Since I am in opt out condition, I should not receive any offers. Especially, in this case with this company, whatever these offers are made by XXXX or XXXX offices, he/they should not send anything to the viewers of emails, since I, the user of the internet circumstance, asked him/them to unsubscribe. I would like to know how the United States regulate these internet criminals.
Product: Prepaid card

On XX/XX/XXXX I acquired an Amex prepaid gift card, advertised to function like a standard credit card. However, every attempt to make a purchase was declined, despite using vendors that readily accept other prepaid gift cards, such as XXXX. Seeking resolution, I called Amex customer service on multiple occasions. Not only was my issue not addressed, but I also faced multiple instances of discourteous and unprofessional behavior from their representatives. Some even terminated the call without providing assistance. This is not a unique problem, as evident from the multitude of similar complaints on a XXXX thread : https : XXXX.
Product: Credit reporting or other personal consumer reports

I've reached out multiple times to get have my address corrected, I've sent over the documents requested for proof of address and its still showing addresses that doesn't have anything to do with me. 


I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged address, Debt, nor therefore any such address or debt in fact exists.
Product: Credit reporting or other personal consumer reports

Experian recently added a court action for a XXXX XXXX from the year XXXX to my credit report. It is obvious that it was scraped from the internet and added without consideration for the age of the report. I can not get a response from Experian other than to transfer me though their BOT system which is not equipped to provide or help with this problem. The same has happen on my husbands credit report and his last traffic ticket was from the year XXXX! Even bankruptcies drop off a credit report after XXXX years, so we have no idea why this is happening now.
Product: Payday loan, title loan, or personal loan

My Name is XXXX XXXX. My home address is XXXX XXXX XXXX XXXX XXXX NJ XXXX. On XX/XX/XXXX I made my final payment to XXXX XXXX XXXX  on My XXXX XXXX XXXX Vehicle and was told that by XX/XX/XXXX I will have my title in my hand for that vehicle. On XX/XX/XXXX the end of business day I reached out to the bank and advised them that I did not receive the title for my XXXX XXXX XXXX, I was then told that their records show that it was mailed out on XX/XX/XXXX and I should give it an additional 10 business days for arrival. On XX/XX/XXXX end of business days I reached out back to the bank and inquire about this title again and was told to check with my DMV. I then reached out to the DMV and was told that a lien is still on my car and that they would not receive my title if it's paid off it should have been sent directly to me. I was then advised by the DMV to ask the bank for a Lien discharge statement and then I can apply for my title on my own. On XX/XX/XXXX I then contacted the bank again to request a lien discharge statement, I requested a copy to my email and one via mail. I was told again that they sent it via mail and I should check back my email within 2 hours it should be there. I called the bank back within 3hrs from our previous conversation, notifying them that I did not receive any lien discharge notice, they told me to wait a bit more for it to come through. I then gave the bank until the next business day ( XX/XX/XXXX ) and called back and it's still no help. At this point I'm starting to get the impression that the bank is lying and just refuse to hand my Title over to me and I need my title. 

I don't know how much this will helps but my account number with the bank on that car is XXXX. 

Thank you.
Product: Credit card

PNC bank sent an email to me on XX/XX/2022 with an offer to earn statement credit of {$100.00}. I completed the required spend of {$500.00} on XX/XX/2022. And I still don't see the promised {$100.00} statement credit on my account. 

Subject line of email was : " Good news you can earn a {$100.00} bonus ''. 

Marketing content in the email was : " Just use your new PNC credit card ending in XXXX to make {$500.00} or more in purchases1 betweenXX/XX/2022 It's that simple your statement credit will be added to your account automatically. '' Terms mentioned in the email were : " You will earn a {$100.00} monetary credit on your statement after you have made {$500.00} in purchases between XX/XX/2022 and XX/XX/2022 with your new PNC credit card. The bonus {$100.00} monetary credit will be awarded to your account within 90 days after the purchase that enabled you to meet the {$500.00} minimum requirement. Bonus offer limited to one {$100.00} statement credit per customer. ''
Product: Debt collection

The company called XXXX XXXX XXXX is representation of XXXX XXXX. Called my job and personal phone with XXXX of suing me over debt bought from XXXX credit card which was charged off after payments made to them directly. The company was very abusive in language and behavior causing me to almost crash while I was driving and hanging up in my face and talking to me in discriminating ways. I asked them to show me verification of the debt to which I was told that they dont have to. They wouldnt even identify themselves or XXXX capital. XXXX they stated I owed an amount why higher than what surge ever had. This is also illegal
Product: Credit reporting or other personal consumer reports

JPMCB CARD SERVICES- CHARGED OFF XXXX XXXX- CHARGED OFF XXXX XXXX XXXX- CHARGED OFF XXXX, XXXX XXXX XXXX XXXX XXXX Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to the above companies written, unwritten, verbal or non verbal to report my nonpublic personal information. The above companies are in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by the above companies that my nonpublic personal information was going to be shared to non affiliated third parties. Do not get me started on securities fraud. I want all 3 accounts removed from my credit report before I take this to the highest level possible.
Product: Student loan

Mohela is incorrect with their calculations of of XXXX qualifying payments. Before the pandemic payments from XXXX we're certified by XXXX XXXX and was previously included in my qualifying payments count. Mohela do not have these months included in there XXXX qualifying payment count. In addition periods from XXXX has not been added. I was advised by a representative from Mohela, that I would need to submit a reconsideration to studentaid.gov to have periods for Americorps to be counted. I do not understand why a second reconsideration needs to be submitted when studentaid already approved those payments when my account was with XXXX XXXX. Mohela continue to send duplicate letters acknowledging the XXXX qualifying payments, but again the agency is not addressing the periods that I repeatedly outline. I know the pandemic qualifying payments have not been added to my calculation, but my issue is regarding my prior qualifying payments. Why would XXXX qualifying payments not match Mohela 's. There is a complete disconnect. And I have submitted a copy of my XXXX XXXX notice several times as well.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts on my report. Ive attached a police report pertaining to the incident. In accordance with the Fair CreditReporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like the following fraudulent accounts removed from my credit report immediately. 


XXXX XXXX XXXX Account number - XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 an account without my handwritten instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX dispute letters to Dispute a payment status that is being reported inaccurately on XXXX XXXX. Payment statuses are to be reported as the CURRENT payment status. I have not received anything ion over 60 days even stating there has been an investigation started. This account was current and paid in full and closed.
Product: Checking or savings account

I was trying to transfer funds to another bank through their own online application and 2 days after the transfer was started they locked down my account on Friday XX/XX/23. My account was locked due to suspicious activity. I called Ally bank about the issue and was told that my account was under investigation and my account will be locked until an agent reviewed my activity. No one has told me why it was locked down and no one will let me speak with the investigator. 
One agent told me in a call on Monday XX/XX/23 that my account should be reinstated by Tuesday XX/XX/23, but when Tuesday came another agent told me it could take up to 10 more days. I can not believe this as the other agent lied to me. So as far as I understand my account is locked and all the money in it is inaccessible with no end date. 
They will not reinstate my account because " They can not verify my identity '' but I have successfully and continuously answered all my security questions and have asked to verify my identity though multiple methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am viewing my credit report to find these discrepancies : CREDCO - XX/XX/XXXX XXXX  CREDCO/XXXX  XXXX  I Mortgage Companies XX/XX/XXXX XXXX  CREDCO Miscellaneous XX/XX/XXXX XXXX  CREDCO - XX/XX/XXXX XXXX  CREDCO Mortgage Reporters XX/XX/XXXX XXXX  CREDCO Miscellaneous XX/XX/XXXX XXXX  XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  As I think back someone had to been fraudulent using my credit information.
Product: Debt collection

I am writing to dispute the accuracy of information on my credit report, specifically related to the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX. Regarding the XXXX XXXX account, the reported late payment history is inaccurate. I believe I made payments on time, and I request an immediate update to reflect accurate information on the late payments for this account. Concerning the XXXX XXXX account, the reported status is entirely incorrect. My payment history on this account has consistently been " Paid as Agreed, '' and I have never missed a payment. I demand an immediate correction to accurately reflect the positive status of this account. It is important to note that XXXX and XXXX have already rectified the errors on these accounts, removing the late dates and updating the status to positive. There was an evident error, and they promptly acknowledged and corrected it. I am confused as to why your bureau has not followed suit. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Mortgage

NationStar Mortgage ( XXXX, TX ) did not impound my property taxes and property insurance for over a year - their error caused my escrow account to be short {$3900.00}. When they discovered their mistake NationStar forced me to take out another loan which they are again collecting interest on. To payoff the new loan, my wife had to get a new full time job. 
Details : XX/XX/XXXX we refinanced our home. Our mortgage was with XXXX XXXX for $ XXXX/month. The mortgage was sold to NationStar Mortgage and that 's when the problems began. XX/XX/XXXX, NationStar audited our mortgage account and said there was an overage in the escrow where our property tax and home insurance is impounded. NationStar re-adjusted our mortgage payment to $ XXXX/month. I took issue with this adjustment and called NationStar and had them re-check the new figures. They assured me that everything was in order. XX/XX/XXXX NationStar found their mistake and sent me a bill for {$3900.00} and insisted it be paid immediately. I could not pay, so NationStar forced me to take out another loan with them to pay for their mistake. NationStar is earning interest on this XXXX loan at my expense - now I 'm stuck me with the burden of paying off XXXX loans. As a direct result of the NationStar mistake, my wife had to get a new full time job. This never should have happened. NationStar should be held accountable for their mistake. I immediately sent a certified letter strongly stating my discontent to their company president, XXXX XXXX, asking that NationStar be return my mortgage back to the correct amount of $ XXXX/month and they restore the missing {$3900.00} to my escrow account. Neither XXXX XXXX XXXX or anyone else from NationStar responded to my demand letter. Please help me hold NationStar responsible for their own errors.
Product: Credit card or prepaid card

I received notice on my credit report on XX/XX/19. That my credit score was lowered by hundred points from XXXX XXXX and XXXX. XXXX  report showed a 35 point drop. This was because I was more 30 days past due on my Best Buy Citibank Visa card for a {$8.00} dollar balance. I called Citibank and told them I was unaware of the balance. And was not receiving bills and no one from the company reached out to me to let me know of the balance. I ask Citibank to send the credit bureau that this was a mistake. But the company refused taken no responsibility for the mess up. I paid off the {$8.00} dollar balance and closed the account.
Product: Credit card

capital one bank suddenly cancelled my credit card account and refuses to provide a specific reason. My account had an excellent 10 year history including no late payments and a XXXX dollar credit line. My credit score is XXXX. The letter from capital one was very vague and ambiguious. Capital one also cancelled my kohls credit card that had the same excellent history. As a result my credit score will decrease. I researched the web and found numerous other people with the same situation. It is very likely capital one will not do business with people that pay their balance every month and do not generate interest revenue for this awful bank. Thank you in advance for assistance
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I got a letter in the mail from a debt collector saying I owe {$750.00} in medical bills and used the medical center that I frequent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and TRANSUNION are in violation of multiple laws 15usc 1681 a ( d ) ( 2 ) ( I ) exclusion of a credit report. 
According to the law the term credit report does not include information solely as to transactions or experiences between the consumer and the company These companies are reporting charge offs and late payments on my report which are transactions and experiences
Product: Vehicle loan or lease

We went to XXXX to get a better deal on a XXXX XXXX. When we got to the dealer after driving XXXX hours the car did not have options that we were promised. We were then shown a XXXX XXXX that did have the options but cost the same. They tried to sell us the more expensive XXXX but we said no. During the financning process the finance XXXX tried to bait and switch us and hide the numbers. I had to request he scroll back up to terms and conditions and he was reluctant. The rate and payment were not what the sales man had just stated XXXX minutes prior. When I got upset with the finance person he apologized and said he would fix it. He came back and put us back on what was told to us. We left with a XXXX XXXX with a XXXX payment and XXXX miles a year for XXXX  months. We just received our payment coupon after the first due date and now the miles per year are stated at XXXX. XXXX XXXX has now been caught twice trying to get away with something. They need to be stopped as I am sure they are doing this to more people.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX XXXX I contacted XXXX, XXXX and Equifax, contesting the inclusion of an erroneous bankruptcy on my credit report. I was asking the agencies the method of their investigation. I received no response. According to 15 USC 1681a- ( e ) " 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.

According to 15 USC 1681 ( a ) ( 4 ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMER 'S RIGHT TO PRIVACY. '' This also is an infringement upon my right to privacy. Also, according to 15 U.S. Code 1681b ( a ) ( 2 ) -Permissible purposes of consumer reports " In accordance with the written instructions of the consumer to whom it relates. '' I have not given any written instructions to put any such information on my credit report.
Product: Vehicle loan or lease

Santander is still reporting a vehicle that is affecting my consumer report in a negative way.
Product: Debt collection

This debt has been court ordered 2 be paid by my x Husband which he agreed too in our settlement XXXX/XXXX/XXXX. I have court documents to support this as the XXXX in nature and of which he plead guilty to XXXX/XXXX/XXXX
Product: Debt collection

I have sent several disputes to the collection agency and to the bureaus regarding a medical debt that ARS Account Resolution continues to report on my credit reports. I have asked the collection agency to validate the debt by providing me a signed agreement for services, and a detailed billing history of this account as proof that the account belongs to me and was not already paid by my insurance company. To date, ARS has either ignored my requests or only sent the same payment invoice created by their company. ARS continues to report the account without legally validating the debt as required by the Federal Debt Collections Practices Act and the Fair Credit Reporting Act, which requires that information reported by accurate, complete and verifiable.
Product: Credit reporting or other personal consumer reports

FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification Dear Experian Consumer Assistance XXXX - XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report. 


XXXX XXXX  - XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXX XXXX XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate debt Incorrect Name - XXXX XXXX - This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.