23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XXXX i filed a complaint with CFPB company responded XX/XX/2023 ( XXXX XXXX XXXXXXXX ) Agreed to remove accounts from credit reports. Never Removed as agreement. Major Under FCRA Violations.
Product: Debt collection

I sent the the company a letter asking for debit validation. I request a copy of the original contract that created the alleged debt, a fully accounting history from the original creditor, proof of ownership of the alleged debt and proof of assignment of each change of onwnership, proof they are legally allowed to collect in the state of GA, any interest or fees that have accrued or add and proof that they sent the legally required notice to me before reporting the alleged debt to the CRA 's. It has been over 30 day and I have not received a response. I have not provided consent to this creditor or CRA, they are in violation of 15 USC code 1681b. This accounts need to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C section 602 A. Section 2. 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 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: Debt collection

Debt was a result of Bank error, which resulted in funds being transferred to the wrong account. Although no fault of my own, I paid the insufficient funds fee and any money owed. I was also told that there would not be any adverse action taken considering the circumstances. I tried opening a new account and was denied due to a XXXX  report filed by Bank of America ... I have tried, on many occasions, to resolve this issue but unsuccessful.
Product: Student loan

From XX/XX/XXXX thru XX/XX/XXXX my wages where garnished by conserve in XXXX ny for a ny higher education debt. Upon completion of debt i overpaid XXXX dollars as well as XXXX mailed 2 additional checks for XXXX.and XXXX dollars. Totaling {$160.00} owed back to me. Ive called a few times to inquire about how i will recieve my overpaid funds back and also left.messages for information. They refuse to give an answer back. But these funds have reached conserve and they have my money. I want my money back IMMEDIATLY. This company dosent respond.to any communication. But they made money by charging fees. I am also demanding intrest at 9 % since XX/XX/XXXX as i had to pay a decadea worth.of intrest.
Product: Vehicle loan or lease

My ex-husband and I are both listed on the loan. In XXXX, my ex-husband and I separated and shortly after got divorced. During that time, the payments on the auto loan were made by him and proof can be provided. Once he stopped making the payments, he communicated with FNB that I would be taking over making the payments. However, they recorded this as him saying there would not be any further payments made on the loan. When this happened, FNB proceeded with a repossession order and did take the car. I was able to communicate with them and reinstated the loan for the car. Since that repossession, FNB has not taken the repossession order off my account and they are STILL trying to repossess my car despite receiving weekly payments that are being applied to my account. It's highly embarrassing to have repossession men come to my house, in front of my neighbors, and try to take a vehicle I'm actively paying on. On XX/XX/XXXXXXXX two repossession men came to my home, explained why they were there, and I honestly had no idea there was still an active order in place considering I've been making payments. I was able to provide proof to the repossession company of my payments and they did not proceed with taking my car. However, there was also someone from FNB that informed my previous landlord that I was facing repossession due to XXXX XXXX XXXX  amount being owed on the account. A ) that is not true B ) they are not allowed to give information about MY loan to someone not involved with it in any way except to defame and slander me. This is insulting and disgusting for a company to take money from a consumer and STILL try to take their car to get MORE money from an auction sale. This repossession has been active for over 200 days, which means they've been taking my money but also still trying to take my vehicle that I've BEEN paying for. My payments are taken from account electronically and come out immediately. They are applied within 2-3 days upon receipt.
Product: Mortgage

Ocwen had our mortgage and then it went to PHH. Everything was fine at PHH until my bill jumped by XXXX  $ + a month 2 months ago. Checking shows that my escrow went from XXXX $ to over XXXX  $ so i inquired as to why. They said that my property taxes jumped to over XXXX  $ a half year. I spoke to the escrow agents they agreed that my taxes had gone up that much. So i went to my local treasury office and got print outs. My taxes had increased from XXXX $ to XXXX $ a year, not XXXX  XXXX Not only that but payments had not been made from the mortgage company to the treasury office for over a year. The bill there is currently XXXX $ and if it isn't paid this half my house will be open to tax sale. I contacted PHH and they said they had disbursed XXXX $ and XXXX $ to the office. The office shows no record of this. An agent XXXX # XXXX has been in contact with me, but after faxing these documents to PHH and then emailing them to them, i have had no response as to rectification of this issue. Nor notice they have received these documents. If i don't get a quick resolution i will be forced to pay the XXXX $ out of pocket along with the raised mortgage payment and this is unacceptable. Perhaps this is some typo error in the company but i can not wait till this half ( along with fines and fees ) is not paid. I am having issues getting these phone files from emailXXXX XXXX  to the attachment upload, please send me an email addy i can forward them to?
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank is on my credit report after paid in full/settle in full, it show a derogative narrative under their name for me. It does not state paid in full. the cost is still there as if the account is still open. This account should have closed and paid over 5 years ago. Considering they were paid why is it still derogatory information? It states the account is derogative and is causing me undue stress and anxiety.
Product: Checking or savings account

I opened a checking account with Comerica Bank on XX/XX/XXXX and deposited a check amount of {$1000.00} within next couple of days ( weekend ). 
The bank closed my account on XX/XX/XXXX and disabled the online access. 
The deposited fund was unavailable until today XX/XX/XXXX as they notified me in the mail. They charged me for a 'return item ' fee for $ XXXX when there was no other transactions but a single mobile deposit. 
Their main customer service line and local branch was not able to explain the charge. 
A local branch let me know that a check amount of {$1000.00} with the fee deduction would be sent to me.
Product: Debt collection

The person from SIMM associates that I was contacted by identified me ( without XXXX stating that it was an attempt to collect a debt ) by discussing a payment arrangement we had made, then reading out to me the last XXXX of my SSN. He then disclosed that it was an attempt to collect a debt - without my telling him any information, only confirming that information which he read to me. I have legitimate concerns with the possibility my personal information was given out. When I hung up and tried to contact a manager there, I was placed back on the phone by the operator with the agent that engaged in this malfeasance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit reports and noticed the following unauthorized hard inquiries : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/year> I personally went to the teller at citibank to deposit my retirement check in the amount of {$16000.00}. I was able to only withdraw {$1700.00} right away and told it will take a few days to clear. A few hours later by XXXX my account was locked and closed. 
After being on the phone with someone representing citibank who barely spoke English, I was told my account was closed and I'll receive a letter in the mail with a check IF the funds clear. This is MY money from MY retirement account. All of my bills come out this now closed account and I'm occurring late fees because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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. 


The bureaus did not remove the previous late payments and permantly close the account which is harming me and causing injury.
Product: Credit card

I signed up for the Chase XXXX XXXX XXXX Credit Card XX/XX/XXXX. 

I spent enough to earn the XXXX free nights described in the offer within approximately 1 month. 

XXXX XXXX applied the early spend bonus to my rewards accounts on XX/XX/XXXX. They are valued at XXXX points per night. 

I attempted to use the points over the last few days and have been unable to find any eligible hotels on XXXX XXXX 's website or app. 

Specifically, I am trying to book XXXX nights beginning on XX/XX/XXXX, in XXXX, XXXX. 

When I click on a hotel I'm told it's not participating in the free nights program or I'm told I don't have enough points to book and can not buy more. 

I called customer service on XX/XX/XXXX at roughly XXXX pm and asked where in XXXX, XXXX, I can use my free nights and after a great deal of searching was told only XXXX hotel near the airport. I explained that I am not visiting the airport, I am visiting XXXX. Also, the airport is XXXX hours away from XXXX. The Customer Service agent was nice, but said my free nights can not be used anywhere in XXXX. 


I specifically signed up for this credit card and moved spend over from my other credit card to meet the free night criteria. I did that and received these XXXX free nights which have no value that I can see at this points. I have no other travel planned for XXXX and the free nights expire in XXXX of this year. There was nothing in the XXXX XXXX XXXX or advertising that said I can't travel to particular places. 




Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX I was going to order a temporary replacement while my permanent one was being made. I was going to finance it through a company called Affirm XXXX Inc. Then I was informed that a temporary replacement couldn't be made for me because I don't have enough XXXX. So I never utilized Affirm, Inc. yet they charged me anyway. In 2018 they charged me {$350.00} and I refused to pay it because I didn't received the product. They claim that I made payments to them but then stopped so they sent it to collection which never happened because I never made any payments because I don't owe them any money. This is a blatant lie on their part and according to the credit bureau they have had trouble like this with Affirm , Inc. in the past. Why do they get away with this? My credit score has dropped substantially because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not applied for any new lines of credit or installment loans. I need these inquires removed from my credit file. As well, send verification document that was used to apply this to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was included in a XXXX XXXX  XXXX XX/XX/2020 they refuse to report my my Experian credit report correctly.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card or prepaid card

I signed up for a citi doublecash card with a promotion that stated that if I spent {$500.00} in the first 3 months that I would receive a {$100.00} reward. I opened the account in XX/XX/XXXX, never received the {$100.00}. I called citi and they said they were unable to honor the offer because it didnt show up on their end. They said I didnt use the promotional link even though I have a screenshot of the link I applied under. I told them that they were not honoring the terms of the promotion and they said there was nothing they could do.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

On XX/XX/XXXX, I called the collection agency ( IQ Data International Inc. ) about an undated amount for my debt. I had went back and forth with the original creditor to get an updated amount because of previous negotiations. They collection agency gave me the updated about and continued to negotiate a pay-to-delete for XXXX. They stated that if I wasnt able to pay the balance by XX/XX/XXXX to call them and let them know. I agreed. I called back not 10 minutes later and told them that this agreement wasnt going to work. And they countinued to pressure me to ask family members and collect it somehow by the XXXX. I agreed and was told that if I can not make the payment by the XXXX, to call them and they would cancel the pay-to-delete and we would go to a payment plan. I agreed. On XX/XX/XXXX, I paid on the account {$1000.00} leaving a remaining balance of {$2300.00}. From that time till now, I have tried to come up with the money but things happened in our personal life and we werent able to pay the balance, even taking out a loan. In this amount of time I called the collection agency twice and the line went dead. I dont know if it was my phone or theres. Then on XX/XX/XXXX, I am called by the agency and from the start they attacked me for not paying. I tried to explain my situation and tried to get on a payment plan but they continued to ask where my money is going and being very unprofessional. She continued to say things like my amount could go up and that this would put some type of hurt on my credit. I asked for a manager and the manager was even worst with being unprofessional and yelling at me. I felt attacked from the moment I answered the phone so I reacted how they reacted and nothing really got resolved. I just found it really disturbing that at XXXX, I am being called and yelled at and questioned left and right. And from my phone records, this has been the first time they even tried to call me. That is harassment. They have recorded lines, so you should be able to here my frustration. This has effected me and my fianc emotionally, and it is a debt on both our accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit report that are not mine. My mother and I have the same name and lived in the same house. Although we have different social security numbers and birthdates, a few of her accounts on now listed derogatory on my credit report
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. These items have profoundly impacted my life, causing significant stress and anxiety. I must reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Money transfer, virtual currency, or money service

A person told me that they had access to erasing student loan debt, and that from XXXX dollars from federal student loans, I would only have to pay XXXX dollars. That is if I paid this person XXXX dollars through PayPal. I was naive and paid the XXXX, later realising it was a scam.
Product: Debt collection

I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the following proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently challenged the accuracy of a public record that's being reported by TransUnion via letter, in which you'll find attached.

I'd requested names, addresses and contacts for those who reported the information. After their investigation, I've been told that the business name, address and contact of the '' furnisher ( s ) '' can be found in the investigation results. According to the attached, Georgia Federal Court- XXXX furnished the information with an incorrect address as well. Neither have I been provided documentation bearing my signature, as requested.

I'm asking that this matter be resolved in a timely fashion due to the fact it has hurt my ability to purchase a home.
I have attached all evidence of my efforts and the response. I have even placed a security freeze with XXXX XXXX. Thank you, in advance, for your time & effort in this matter. 

Kind Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX  XXXX XX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

I took out a pay in XXXX loan from Sezzle for {$75.00} to use at XXXX XXXX on XX/XX/year>, of which the first payment was taken immediately. It was supposed to be given to me as a XXXX XXXX  gift card. The gift card never worked. I went back and forth between XXXXXXXX XXXX  and Sezzle for weeks until over a month later XXXX XXXX was able to determine the gift card was voided. I spent another 4-6 weeks contacting Sezzle for a solution to no avail. In the meantime they have been charging fees and threatening to close my account as I refuse to pay on a loan I essentially did not receive.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the inaccurate items that should not be in my file that resulted from an alleged incorrect reporting, however I still have ITEMS left that needed to be removed. I recently checked my updated personal credit report and I noticed remaining three ( 3 ) unauthorized credit inquiries and an inaccurate address still remained on my personal credit report. I once contacted these companies for inquiries and asked them to remove their credit inquiries from my credit profile. I also requested that you initiate an investigation into the below inquiries and address on my credit report to determine who authorized these inquiries. I know your investigation is complete, and you find my allegation to be true, please remove these inquiries and address and send me an updated copy of my credit report at the address provided : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  will not let me get into my credit report online. It does not matter what I do, they know it's me and they will not let me into it. I have looked up online other reviewers that are having the same problem with all of the companies like Experian and XXXX. They also are keeping scores down when the person is doing everything right. People online that are having the same thing happening to them are feeling they are being targeted because of their political party. 
Experian has been lowering my FICO score by 50 points and fluctuating it up and down when I have done nothing. I am well under 30 % and I pay off my credit cards each month. I have good credit and my other FICO scores are at XXXX  or well over. For some reason, Experian continually tries to lower our scores. I have been told it is because of my political party. I just watched my FICO drop XXXX points down for XXXX reason and I am under 30 % debt to income. Are these people intentionally trying to ruin peoples credit so we can not rent or buy a mortgage or anything else? It sure seems like it.
Product: Credit card

XXXXXXXX  I contacted the company and requested a refund for the late fee of {$30.00} and they had told me that they can only give me a {$15.00} credit. I had asked them about the law that went into effect on XX/XX/, of the late fee supposed to be only {$8.00}, I was told that they have some sort of agreement with CFPB that allows them to charge {$30.00}. 
They then told me that they will give me the {$15.00} credit and that is all they are allowed to do, so I accepted the refund of {$15.00}, but by law I think I should only be charged the {$8.00} and I should be credited the remaining balance of {$7.00}.