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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX and XXXX  XXXX Account # XXXX, has 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. 

XXXX XXXX has yet to provide a full disclosure of the debt to me with wet ink signatures to validate the debt. 

XXXX XXXX has agreed to violating my rights and has removed the history of the account on Equifax, and has yet to do so on XXXX and XXXX. The entire account history should be removed across all credit bureaus entirely, including XXXX. Such information is reflected in their acknowledgment of the violation.
Product: Student loan

I wish to submit a complaint on behalf of myself and my wife. We currently pay a combined {$650.00} to Fedloan servicing for Federal Student Loans on the Income Based Repayment ( IBR ) plan. We recently learned that we are eligible to reduce our monthly payment by about a third, saving us {$210.00} per month by switching to the new Revised Pay As You Earn plan ( REPAYE ) that was implemented recently. We are both public servants trying to raise a family and provide the best life possible for our child. This {$210.00} per month we could be saving would go a long way to helping that. We both submitted requests to switch to the new REPAYE plan in XX/XX/XXXX. Together we have tried numerous times to contact Fedloan servicing through email and phone. On average they respond to only XXXX out of XXXX emails. The employees on their phone lines do not have clear ideas on when the request will be processed or when the new payment amounts would take effect. We have already made 2 payments since our requests were submitted, and the XXXX email I received back said they have n't processed the request yet and it could take 1-2 billing cycles after it is approved for the new payments to take effect. So by the time it 's all said and done, they may literally be costing us XXXX of dollars depending on their processing speed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 I called Transunion. The customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called today to Experian trying to have all personal statements and fraud alerts " removed '' in addition to the notices that state that my address is a commercial address ... when In fact it is a apartment building that is my residence. I was instructed to upload documents online but even with using the appropriate extensions it will not upload .... so this is another request to please remove all fraud alerts and REMOVE the notice and all comments or personal statements from my credit report .... this is a hinderance as I am currently seeking a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to complaint XXXX. This response is to inform Equifax that they have defaulted by not rebutting my affidavit with an affidavit however I am giving them the opportunity to cure by giving me the remedy previously requested which is to immediately delete all accounts referenced from my consumer report as well as pay the attached invoice for each violation they have violated. I have resubmitted my previous complaint and accounts referenced are circled.
Product: Student loan

I have submitted a payment change form that they confirmed is received. They are supposed to put me in a processing forbearance upon receipt of the request. XXXX XXXX  customer service agents say an advanced agent must fix the mistake, but they continue to disconnect the call ( multiple attempts after 5 hours of waiting on hold on different occasions ). There is a recording of someone pretending they can't hear me but it is a recording. On another occasion they answered the call and didn't say anything for ~20 minutes and then hung up. It is clear deflection so they do not have to comply with the request. This deflection is causing my student loans not be be forgiven under the PSLF program. I am unable to resolve the issue with Mohela and thus I am reaching out for assistance from CFPB.
Product: Credit card or prepaid card

Account has been set on auto payment for over a year. I entered a new back account with the correct information and the Credit card company said the account number was in correct. Payment date that was Missed was XX/XX/XXXX and the next payment came out on XX/XX/XXXX. The bank reported 60 days late. Never contacted me about the matter.
Product: Credit card or prepaid card

On the night of XX/XX/XXXX of 2020 I purchased 3 items on line for a total of {$510.00} from XXXX and pay pal was a third party. The side was ended to be fake and I was scammed. The transition appeared in my card as PayPal superstore and it said I bought the stuff from a wired side which wasnt XXXX XXXX. I immediately called the number on the back of the card and they cancelled my card but the transaction was through so they filled a dispute with PayPal. I called the real XXXX XXXX and they didnt have any records of the purchases so they said I was scammed and it have happened to other people. I dont know why pay pal wont give me my money back because they know it was a scammed. I have done some investigations and there is around 145 people that have been suffered the same scam that I had. In addition Pay pal know I didnt got the items that I purchased not knowing that I was dealing with a fake side instead of the real XXXX XXXX. According to my bank the items were delivered to New Jersey and I live in CT. I put my correct address when I did the purchases but still the items were delivered to New Jersey.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following inaccurate account XXXX XXXX Account # XXXX Balance {$8400.00} on my Experian credit report at the beginning of XX/XX/2020. The inaccurate account was deleted from my Experian credit report on XX/XX/2020 The same account was then reinserted on my credit report on XX/XX/2020. 

From my understanding, Experian was required by law to provide a notice of reinsertion to me, the consumer within five business days of such reinsertion which I was never notified of. 

I am requesting that Experian permanently remove this inaccurate account from my credit report being that it is hindering me from applying for new credit
Product: Credit reporting or other personal consumer reports

They blocked the accounts due to fraud on my account but ultimately i need the removed. This is a defamation of my character and not only do i want it blocked from my profile but i need it urgently removed ASAP.
Product: Credit card or prepaid card

I have 4cards that use the same company. Commenity bank. I have had problems paying my bill due to being let go from my job and trying to catch up. This company claims I have a {$300.00} dollar balance on a card with XXXX. I do not I paid that card off and never used it again. Nonetheless this company has continuously harassed me by calling multiple times a day for months and even reaching out to estranged family members and letting them know I was in debt and that they were looking for me.
Product: Credit reporting or other personal consumer reports

I have been trying to reach out to the relevant parties regarding the errors on my credit report, but I have not had any success. This situation has been incredibly frustrating and stressful, causing me sleepless nights as I worry about my financial future. These inaccuracies are unfairly affecting my credit score and hindering the approval of my credit applications.
Product: Checking or savings account

I opened a Platinum checking account with Citizens Bank online by clicking the " Open Account '' button on a page that promised a {$400.00} bonus after a direct deposit of {$1000.00} or more within sixty days of account opening. I opened the account on XX/XX/2018, and a direct deposit of {$1000.00} posted on XX/XX/XXXX. The terms and conditions stated that the bonus would be paid within 90 days of the direct deposit. I called 90 days after the deposit and spoke to a customer service representative and forwarded her the screenshot of the bonus terms and conditions as requested. Her manager XXXX called me back a week later and stated that the bank would not be able to honor the {$400.00} bonus because a promo code was not attached to my Platinum checking account.
Product: Debt collection

I got an alert that XXXX XXXX added two accounts to my credit reports. I have not ever done any type of business with this company. They bought this debt from another collection company I did not owe which is not lawful and this company show be taken to court by the cfpb for putting false information on a consumer credit report.i am requesting validation made pursuant to the fair debt collection practices act and the fair credit reporting act along with corresponding local state laws. I am requesting validation that is competent evidence bearing my signature. showing that I have or ever have some contractual agreement obligation to pay XXXX XXXX.
Product: Debt collection

I am writing to request this company to cease and desist. I do not owe any money XXXX due to the following : 1. There was fraud committed on me by a online thief.

2. This was reported to XXXX and it went to their fraud department. 
3. A police report was filed because a fraudulent check was sent by online scammers. 
4. XXXX cleared the check before they verified that it was real, which it was not. Then XXXX returned the check days later. 

I am the victim of fraud and submitted all evidence to XXXX and to XXXX Police department. This collection company needs to stop harassing me and stop this illegal collection that I do not owe.
Product: Checking or savings account

I was approved for {$50000.00} SBA Loan and the money was sent to Apple Bank on XXXX XXXX during the same time Apple Bank was being fined for {$12.00} XXXX by the FDIC and I believe they was it out on me with unjust actions. 
I had to close my office in XXXX XXXX XXXX because of the covid pandemic and I referred all my mail to my UPS PO box which is located 100 feet from the Apple bank that I opened my account with on XXXX XXXX NYY. 
I told them I had to close my office due to covid and me and my staff are working remotely from home, all was fine Then a fe days later they said they are closing my account because it looks like fruad, I said all of my company registration is with my mail box address right up the block at XXXX XXXX XXXX XXXX, ny XXXX even my License which i gave them has that address, I told them we are working from home temporarily like everyone else, I had to close my office because of the pandemic, They said this looks like fraud we have to close your account, They held my {$50000.00} loan money over 22 days and verified that it's mines, THEY TOLD ME THEY ARE GOING TO CUT XXXX BANK CHECK FOR THE MONEY AND CLOSE MY ACCOUNT. But they instead SENT MY MONEY BACK TO THE LENDER AND CAST A NEGATIVE LIGHT light on me like i was doing some king of fraud and the lender Revoked my loan and that caused me a lot of damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive Experian credit Report of XX/XX/XXXX with many errors and Derogatory Remarks on my credit Report. 
XXXX XXXX XXXX Auto Loan # XXXX Derogatory Remarks of 30-59-60-90 days late of XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX and many other errors are not been deleted. 
I have marked all the errors and derogatory remarks. 
XXXX  already removed the Derogatory Remarks, of XXXX auto loan, but Experian and XXXX  hasn't remove it yet.Why? 
Also Experian has removed Bankruptcy from my credit report, but XXXX and XXXX hasn't remove it yet.Why? 

I also I was employed for XXXX XXXX XXXX XXXX XXXX XXXX, Ca.for 27 years and I retired on XXXX XXXX on XX/XX/XXXX.This error needs to be corrected as Experian has XXXX XXXX   XXXX. 

I respectfully need a expedited removal of derogatory of XXXX   account because I am going through a VA Loan and purchase process with XXXX XXXX and XXXX XXXX and derogatory Remarks and unauthorize hard inquiries are not allowing me to obtain a VA Loan as a XXXX XXXX XXXX Military Veteran. 
I am XXXX XXXX and Retired. 
I appreciate Experian, XXXX, XXXX support for our Military Veterans. 
With Respect and Honor Always!
Product: Credit reporting or other personal consumer reports

I submitted a dispute of the following accounts on XX/XX/year>, which were received by Experian through US Certified Mail on XX/XX/year> : XXXX XXXX account number XXXX Experian responded on XX/XX/year>, which was more than 30 days. Also, when I requested verification of the accounts, Experian provided ambiguous information on their investigation procedures. Experian did not provide a description of the procedure used to determine the accuracy and completeness of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC Bank purchased BVBA bank in XXXX of XXXX. I had a Covid extension with BBVA in XXXX. I paid the account in full before the COVID-19 hardship was to expire, BBVA did not report my account as late to the credit reporting bureaus. After PNC purchased, the XXXX XX/XX/XXXX late payment was reported to all three credit bureaus, I have disputed the validity of this late payment with all three credit reporting bureaus and to PNC directly XXXX I went up the chain of command within PNC with no resolution. I have asked for all records from my account with BBVA including the hardship deferment during COVID-19. Still, nothing has been provided to me except to tell me over the phone that their investigation showed the reporting of the late payment was accurate. No proof of this late payment or any agreements I had with BBVA. PNC is reporting on an account that PNC did not own at the time of reporting. The original creditor at the time, BBVA, did not report me late for XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my credit report the other day to find 3 unauthorized inquries on my credit report, that I did not make of authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX I have been unable to place or remove a security freeze from Equifax credit report online or over the phone. I let them know about this issue in XXXX of XXXX and XXXX of XXXX with what turned out to be empty promises that they would correct the problem. 

As a consumer I have been unable to probably protect myself and my identity for more than 6 months due to the negligence exhibited by Equifax. They are in violation of Public Law 115-174
Product: Checking or savings account

I reset my online account password for security purposes. Immediately the site asked me to verify my identity. After several attempts, I called BMO Harris Customer Service Technical Support. They sais " their system is down '' as an explaination, and then hung up the phone. I couldnt help thinking there was internal criminal activity going on.
Product: Debt collection

To Whom It May Concern : I opened up a XXXX XXXXXX/XX/XXXX. I paid a deposit of {$360.00}. After a short period on the XXXX plan I realized their service was not acceptable. I decided to return to XXXX. On XX/XX/XXXX, I went to the XXXXXXXX  location in XXXX XXXX XXXX Iowa and returned the device. I was within the 14 day grace period for cancellation without penalty. I also spoke with the XXXX rep, I believe her name was XXXX and told her I no longer want to be a XXXX customer. I explained to her the situation and she said that she understood and apologized. My daughter who is in college in California also returned her device on XX/XX/XXXX. I told the agent to discontinue my service and I ported out the ONLY 3 lines that should have been activated. Documentation is attached At this point, I believe I did my part to end my contractual obligation with XXXX. I also was expecting a refund of the deposit I put down. Which I have not received. This is the second time this has happened to me with XXXX 

XX/XX/XXXX, I noticed a collection on account from Amsher Collection Agency. I didnt receive any correspondence from XXXX prior to the collection that was placed on my credit report. After I investigated the situation further. After I told the rep I would like to cancel my service and ported out the only 3 lines that should have been activated. XXXXXXXX  continued to bill me for 2 lines of some random numbers and services. The phone numbers XXXX, XXXX and XXXX XXXX are the ONLY numbers that should have been activated. The customer service rep DID NOT communicate that there was any other important information. So I was oblivious to the whole situation. When I reached out to XXXX they told me my account was closed and sold. Therefore, they could not provide any information. However, when I spoke with XXXX they told me that XXXX still owned the account. Im extremely frustrated. I didnt receive my refund and I have a collection debt that I do NOT owe. I believe this a predatory practice as I have spoken to several other customers who XXXX  has taken this action toward as well. Lastly, I have provided proof of the return of lines and random lines. I would like support with removal of this collection account as well as any other legal action I can take toward XXXX.
Product: Credit card or prepaid card

My son booked a flight with XXXX XXXX for XX/XX/2022, My XXXX grandchilds XXXX birthday. My son alerted my wife to visit XXXX web page to determine size of bag that would travel on the flight at no additional cost. I did this reading very carefully, and bags were measured to ensure they met the requirement for a no charge bag. We were unable to print boarding passes from our home due to a XXXX site problems and went to the ticket counter for our boarding passes. At the counter I was asked if I wanted to check my and my wife 's bags to which I said the bags met the requirement to travel on the flight free of charge as shown on XXXX web site. 
They said the wheels on the bag exceed the requirement by 2 '' and a charge for the bags was required. With limited time to make the flight I presented my credit card to cover the charge and voiced my complaint. I was told I must pay or not take the bag with my clothies and other items. My only option was to pay or not take a bag of items needed for the weeks stay in NY. I filed a credit card dispute with CITI bank. Citi determined that because I used my CITI credit card I was responsible for the charge of {$150.00}, XXXX charged for my and my wife 's bags. I called Citi Bank to question their decision and presented my argument to a Customer Service person who refused to understand and hung up the phone when I asked for justification of their decision. In addition the bags cost more than one ticket and I understand the Airline industry made a substantial profit on baggage XXXX XXXX dollars in 2022 I assume to make up for lost business during the Pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out on XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, Transunion, XXXX. But still no response from Bureaus nor anything by mail showing verification of accounts. 
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 my account without written instructions. 
please provide me with the accuracy of my accounts as this unlawful and hindering my report or I will sue the following bureaus.
Product: Debt collection

I did not give this company to transfer my account to a third party collections company without my consent. 

ACCOUNT # XXXX CHARGED OF BALANCE : {$3400.00} DATE OPENED XX/XX/2019 NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

While looking to book a hotel an advertisement with HUGE bold letter from XXXX XXXXXXXX XXXX credit card offering XXXX point if {$3000.00} are spent on the card within XXXX months. I followed the link and applied accordingly. Because I've had trouble with Chase in the past I read all the disclosures, terms and fine print. After completing the application and receiving the card and registering it online I noticed the offer was only for XXXX. I called Chase 's customer service department and they verified that it is only for XXXX and that they could not provide me with any additional answers or resolution other than that they can escalate it. 

I've attached a screen shot of Chase 's advertisement of XXXX points. When speaking with Chase 's customer service they also confirmed that XXXX is the correct offering for the exact card I signed up for and received. " XXXX XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Debt collection

Dear Nationstar Mortgage, LLC This letter/CFPB complaint is being sent to you under the FDCPA15 U.S. Code 1692g. Although Nationstar has attempted to provide debt validation on previous complaints filed with the CFPB, Nationstar Mortgage has not provided valid debt verification.

Under the FDCPA, I have the right to know who the original creditor is and I am requesting that Nationstar Mortgage provide me with a copy of the last billing statement from the original creditor and the date on which the last payment was made to the original creditor. I am also requesting that Nationstar Mortgager provide me with the date Nationstar Mortgage purchased the mortgage from the original creditor. If Nationstar Mortgage did not purchase the mortgage from the original creditor, please provide the name of the creditor who Nationstar Mortgage purchased the mortgage from and on what date the purchase occurred. 

I look forward to your response. 
Sincerely, XXXX XXXX