23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was charged fraudulently for a phone I did not receive from XXXX XXXX XXXX and insurance for the phone I did not receive. I am still using my XXXX phone to this day because I was fraudulently charged by XXXX XXXX XXXX and did not receive a phone. I filed fraud charges with U.S. Bank and initially my money was returned. I opened an account with a different bank until this was resolved. The charges for the phone insurance continued to be taken out of my account even though I had reported the fraudulent charges and my card had been deactivated. The money that the bank initially returned to me was taken back out of my account and multiple overdraft fees were charged because of these fraudulent charges. I went to my local U.S. Bank branch and they told me they could not help and that I needed to call U.S. Bank customer service. I called U.S. Bank customer service line and they said that the money was taken back out of the account because it was not fraud but a dispute. I called the U.S. Bank dispute representative and she said there was nothing she could do because the account was closed but if I wanted to pay off the account charges she could reopen the account to start a dispute. U.S. Bank will not give me access to my banking statements because the account is closed. Even though this account is supposedly closed, money from refunds have mistakenly gone to this account and U.S. Bank has taken more of my money.
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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX Accounts has violated my Rights. XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX Affirm XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX, NA XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. section604 15U.S code 1681B, Section605A 15U.S code 1681C-1, Section 605B 15 U.S code 1681 C2
Product: Student loan

Upon graduation I was never advised that by consolidating my loans I would give up my six month deferral. I was then put into a forbearance ; leading me to end up with capitalized interest that I was not warned of. 
Since then I have been steered into several more forbearances when I have called about having financial difficulties. Even though I have paid the full interest accumulated during each ; at the end of the term I have been refinanced. This has led to my interest being all front loaded again. After 10 years I still owe almost $ XXXX of loans on less than $ XXXX borrowed. I have requested they pull my Promissory Note, and they have refused. 
I have also had problems with the servicer not reporting my name change to the guarantor. This led to me being unable to access my NSLDS information. It took 3 years and a threat to contact the Education Department to get this corrected. 
XXXX, now Navient, have caused me nothing but stress, undue hardship, and cost me more in interest than any graduated student should have to face. These unfair lending practices need to be stopped. Borrowers should also be compensated for their suffering at the hands of deceptive loan servicers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Product: Credit reporting or other personal consumer reports

In mid XXXX I submitted a dispute with XXXX to remove this old account from my report because it was closed. 

Hyundai Finance went through my old/closed account & added a XX/XX/XXXX LATE status onto XX/XX/XXXX XXXX XXXX. 

This remains to inaccurate. 

The lease was submitted on time & a car note was never late. The exterior rim of the car occurred some damages & I was told I would be responsible for the cost to repair the damages. 

I made an agreement with Hyundai Finance that we would settle on {$4800.00} & it was paid in XX/XX/XXXX. 

I only made the payment with the confirmation that this would show as current on my credit report & the " lateness '' would be removed immediately. I also asked for a confirmation letter proving the settlement was paid in full & my credit report would reflect that. ( I've provided my letter from the company 4 years ago. )
Product: Credit reporting or other personal consumer reports

I've tried to send letters to the bureaus who's reporting these false Information on my Credit report, they've broken the law by not replying to me in a timely manner, according to 15 USC 1692G Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX signed for my certified letter requesting validation of a closed account by guarantor. Also asking why they closed my good standing account. This account was closed by XXXX on XXXX of XXXX in good standing and have been reporting payment amounts due and late payments on this closed account to all bureaus. I have received NO response from XXXX or ANY of the three credit Bureaus. I've sent certified letters to XXXX on XX/XX/XXXX, NO RESPONSE, XX/XX/XXXX NO RESPONSE, and most recently XX/XX/XXXX, NO RESPONSE yet. XXXX on XX/XX/XXXX, XX/XX/XXXX and most recent XX/XX/XXXX NO RESPONSE yet. Transunion on XX/XX/XXXX, XX/XX/XXXX and most recent XX/XX/XXXX NO RESPONSE. Yet I have received another late payment post to my credit reports by XXXX XXXX XXXX. I have asked both XXXX, XXXX, Transunion and XXXX to remove these inaccurate, false, and illegal information from being reported. I am being ignored and my credit is suffering because of it. I've worked really hard to maintain my good credit and this inaccurate information is hurting badly.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a 60 day late payment reported for XX/XX/2021. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Product: Credit reporting

Payment was made to XXXX XXXX XXXX ( have receipt dated XXXX XXXX, 2015 ). 
As I paid in full, at XXXX time, XXXX gave me a credit of 5 % on the total bill. ( from XXXX to XXXX ) Received notice from collection services two weeks later asking for payment of the full amount. 
I contacted collection agency with copies of receipt, and they sent me another collection notice a month later, when I again sent them a copy of my paid in full receipt. 
I now have a major black mark on my credit report. I have attached my billing summary ( no balance due ) from XXXX, and have also included my receipt from the initial payment on XXXX XXXX.
Product: Mortgage

We paid-off our mortgage on XXXX XXXX of this year. Our former lender ( Bayview Loan Servicing ) acknowledges that they received funds on XXXX XXXX. We called this evening ( XXXX XXXX ) to inquire about refunding the balance remaining in our escrow account. They informed us that it is their policy to wait 30 days before processing the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this following account on my reports : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$7700.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX, XXXX. XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Balance : {$610.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

DEPT OF EDXXXX XXXX- I was never late paying this account. 
DEPT OF EDXXXX XXXX- I was never late paying this account. 
DEPT OF EDXXXX XXXX- I was never late paying this account. 
DEPT OF EDXXXX XXXX- I was never late paying this account. 
DEPT OF EDXXXX XXXX- I was never late paying this account. 
DEPT OF EDXXXX XXXX- I was never late paying this account. 


PLEASE UPDATE THESE ACCOUNTS IMMEDIATELY TO PAY AS AGREED ASAP!
Product: Vehicle loan or lease

I bought a brand new XXXX motorcycle from a XXXX dealership in XXXX, WA, in XXXX of XXXX. The dealership encouraged me to finance the vehicle through their financing company CitiBank. 

I told the dealership I wanted a " same as cash, no prepayment penalty '' financing, with zero interest because I pay off my loans very early. They agreed to carry the {$16000.00} loan until XX/XX/XXXX with no interest and no prepayment penalty. My XXXX XXXX CitiBank loan account number is ending in XXXX. 

I paid off the loan on XX/XX/XXXX more than 4 months early. 

I waited the customary 10 days to receive the title but nothing arrived. I waited another 2 weeks and nothing arrived. I contacted XXXX XXXX Citibank on XX/XX/XXXX and demanded they send the Title without further delay. I chatted online with " XXXX XXXXXXXX XXXX. '' He claimed they " did not have '' my mailing address -- despite financing my loan and receiving all personal information including mailing and residence address during the application process -- not to mention XXXX, XXXX and paycheck information, work and profession info, ... etc. So I gave them the address again that I know they had, or should have had, being the financing entity. 

On XX/XX/XXXX, I chatted with " XXXX XXXXXXXX XXXX '' who claimed the title was " sent back '' to the bank because they did not have my XXXX XXXX XXXX -- but she could not explain why it was sent back if it went to my residence? There is no reason for it to go back! I gave the bank the benefit of the doubt and I waited another 10 days they said it would take, and nothing arrived at my home or XXXX XXXX XXXX. 

On XX/XX/XXXX I got a note from CitiBank and they said I will have to call the toll free number XXXX because they can not resolve the release of the Title -- for no reasons stated. 

I am convinced that CitiBank is intentionally detaining my Title in retaliation for the early payment and because I did not default by failing to pay off the loan, so the bank can make interest payment ( profits ) off my account. There is absolutely no reason to withhold the Title, for what is now Forty-eight ( 48 ) days, if the balance has been paid in full. This is intentional and deliberate harassment, as well as retaliation against customers who pay off loans early, or on time. I am demanding they return the title to me.
Product: Credit reporting or other personal consumer reports

No actions were taken by these companies. 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 USC 1681. 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 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 1681 s-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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX-XX/XX/XXXX -fraudulent XXXX XXXX XXXX-XX/XX/XXXX-fraudulent XXXX XXXX-XX/XX/XXXX-fraudulent XXXX XXXX XXXX-XX/XX/XXXX-wrong in formation never late account in forbearance.
Product: Debt collection

I've contacted them many of times they offered supposedly job placement assistance and I was never placed in no job I don't even have a high school diploma and they allowed me to graduate in a certificate program and allowed me to re-enroll into ma program knowing I didn't have a high school diploma or GED I was not aware I needed that in order to graduate so I was not able to graduate ... 
The school does not even exist down here anymore and I would like to just see my loans being forgiven
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect XXXX  XXXX {$110000.00} XXXX   XXXX {$25000.00} XXXX XXXX {$110000.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

This inconvenience is becoming extremely outrageous now. There is absolutely no reason why this issue has not been resolved. The reporting agency is clearly being negligent in their duties to comply with the FCRA and they continue to violate my consumer and privacy rights On the XXXX of XXXX, I filed a complaint with the CFPB in regards to Experian and their misuse of my credit report. Yet, Experian continues to report the below mentioned accounts on my credit report without providing any meaningful evidence of their accuracy or validity. Additionally, they never conducted a thorough investigation of these items to verify their validity and ensure that they are reporting 100 % correct, in accordance to the FCRA. 

Account Name : XXXX XXXX account number : # XXXX Account Name : XXXX XXXX  account number : # XXXX Account Name : XXXX account number : # XXXX Account Name : XXXX XXXX account number : # XXXX Experian responded to my CFPB complaint on the XXXX of XXXX stating the following : " We are transferring your concerns to our Experian dispute center. Upon completion of the reinvestigation, a notification of the results will be sent to you for review ''. Yet, they sent me an electronic correspondence on the XXXX of XXXX stating that the accounts were verified and updated. How is that possible? 

They have not conducted a proper investigation whatsoever! They have not sent me any information on their investigation nor any evidence of the validity of these alleged negative items on my report. According to FCRA 15 USC 1681, everything must be 100 % accurate. 

Account # XXXX, # XXXX & # XXXX are each reporting multiple charge offs! How is that even possible? 

These accounts must be PROPERLY investigated and be 100 % accurate and up to date or they MUST BE DELETED! 

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 states a consumer reporting agency can not furnish an account without my written instructions. 
This reporting agency never received my written instruction to furnish these accounts. Thus, they are in direct violation with the law and are violating my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

To get the agency to help me get TransUnion to take action to remove these items that I have requested to dispute and remove. 
Fraudulent Inquiries : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Select Porfolio Servicing received Hardest Hit Fund which is Government Funds in the total amount of {$60000.00}. The Funds were to be used towards the principle balance to assist the borrower.. Select Porfolio did not apply any funds to the principle balance which Select Porfolio Servicing failed to do so instead kept the funds. Where is the {$60000.00} that SPS finance received? The XXXX  assistance were supposed to be used for that purpose, thereby reducing the loan-to-value ( LTV ) of the first mortgage to no less than XXXX XXXX. This is done to help effectuate a recast of the mortgage, which lowers the monthly payment to better correspond to the market value of the home. XXXX assistance is paid directly to the loan servicer/lender for those homeowners deemed eligible to participate in the program. I was eligible for this program and Select Porfolio received those funds. XXXXXXXX XXXX XXXX XXXX has been informed and there is an open investigation as to where those funds went. SPS Finance is noncompliant as to where did the funds go and why weren't the funds applied to the principle balance. I will continue to file complaints until Select Porfolio Servicing or XXXX comply to what was done with the Government Funds.
Product: Credit card

On XX/XX/XXXX my computer was compromised from someone posing as someone from Best Buy- XXXX XXXX XXXX Everything seemed to be legitimate. I wanted to cancel my subscription and they agreed to take care of that by asking me to chat online with them which I did. When they asked for my XXXX, I knew then something was not right. I immediately got out of the screen. My husband and I went to our Best Buy store and they confirmed that I was not the first person to be scammed with this " XXXX XXXX '' email. 
I immediately contacted my credit card bank, Citi Bank, and they said that a charge of {$9.00} had been made to my account and then immediately afterward a charge of {$140.00} was made. They said that those charges would be disputed and I would be reimbursed and not responsible for those charges. Then on XX/XX/XXXX, I received an email from Citi Bank stating that the reimbursement would be reversed that they had information that this was a legitimate charge. 
Now I am furious because I did not make or agree to this transaction. I started calling the bank, getting tossed from person to person in their " Security Dept '' who makes all kinds of excuses as to why this has ocurred and they will look into it. 
It is now XX/XX/XXXX, I have spoken with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, all from the Security Dept at Citi card Bank. I call every week and get the same runaround. This so- called Security team is a joke and do nothing to help their customers. I am told the same story over and over ... .they will look into it. 
I realize that this is not a huge amount of money. But the fact remains, I did not receive any product, I did not order anything, and I did not give anyone authorization to use my card! This was done by someone who is scamming people and obviously getting away with it. I just want my account credited with the {$140.00} that is due to me.