23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended XXXX XXXX in XXXX, NY in XXXX. I went for less than a year. I was told that my credits could be transferred after I received an XXXX degree. When I found out that I was lied to and I could NOT transfer my credits, I left the school. XXXX XXXX took another loan out in my name after I left. When I spoke to an administrator about this they literally admitted what they " accidently '' did and said they would return the loan. They never did that. I was n't even in school for a year and I have {$22000.00} of debt from Navient. The school lied to me when registering about being able to transfer my credits and they lied about me taking out another loan. This school is closed so I ca n't even get any information from them.
Product: Mortgage

I began a loan modification with Citi Mortgage XX/XX/XXXX. I was assigned a " personal point of contact '', XXXX XXXX. He initially informed me that he would be my sole point of contact and would be touching base with me to update the process every week. This did not happen. On multiple occasions I was asked to send documents that I had previously sent. After complying with 2nd and 3rd requests, my loan fell out of underwriting and went on to XXXX ( the attorney office handling foreclosures for Citi ). After multiple attempts to question the status of my loan, I continued to receive emails requesting, again, documents that had either already been sent, or new documents. Now my loan is scheduled to be sold on XX/XX/XXXX. I have attempted to contact supervisors, etc., to no avail. This entire situation has caused XXXX, sickness, and issues with my children, of which XXXX of my children have XXXX and XXXX. This is just a nutshell, but it appears that a consent order has been entered into Federal Court to protect against this EXACT issue and issues with the incompetence of Citi Mortgage. I feel that I have complied to the T will every request of Citi Mortgage and now am receiving no answers as to what is going on with my loan. I never received an NOII letter ( Notice of Incomplete Information. I was initially told that even if the loan modification was denied, there would be an appeal process. I was NEVER told that the loan was kicked out of underwriting due to anything, much less because a document that I had already sent months ago, was the reason. Furthermore, there was ZERO correspondence, either by mail, email, or phone call, that it had moved into foreclosure. Imagine my astonishment. Again, this all has literally made me XXXX sick! I will attach all pertinent documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 Hey hope all is well I ask the Credit Bureaus XXXX, XXXX and Equifax to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I had inquiries on my credit report being reported inaccurately I never ever inquired Credit from these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax The inquiries are being reported on my credit report inaccurately and all I ask is that the Three credit bureau removed these accounts please and thanks. In accordance with the Fair Credit Reporting act XXXX Accounts, 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: Credit card

This report is again XXXX 's credit card compny. 

This card was paid in full on XX/XX/XXXX. 

I failed to relize this this was seven days late and a late payment of {$43.00} was added to the account. 

When I was unable to addres this issued, an additional {$37.00} was added to the account the following XX/XX/XXXX. 

I contacted the compny mutiple times. At one point I was a fee reduction of approximately {$20.00} leaving me with a requirement to pay 163 % of the original bill. 

In an attempt to make sure I did not continue recieving additional fees, I asked for the account to be closed. The agent failed to inform me that this mean I would not have a way to recieve even the {$20.00} of fee reduction but as I was frustrated by the compinies busness practices I had the account closed, planning to take any additional actions availible to me. 

I contacted XXXX 's directly in an attempt to inform them of the busness practics of their credit card company as I hurts their bussness. They of course were unable to take any actions on my behalf and seemed unconcerned with their credit card 's billing practices. 

I was unable to get this report filed preventing additional fees being added within the fifteen day window, so I reached out to the compnay one last time on XX/XX/XXXX. At this point I was informed that as I had closed the account there was " nothing they could do '' I am responsible to pay 183 % of my original perchase and if this is not completed by XX/XX/XXXX I will still be charged additional fees regardless of the account being closed. 

I fear that by paying this bill, the company will have not motivation to resolve this matter but I can't risk this fees continue to increase. I will pay but I hope this report will do something so that I can get my money back and other families will not suffer the same issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions. 
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Debt collection

This is a bill from XXXX, from XXXX XXXX XXXX. They set the account up with my SSN and my daughters name. We tried numerous times to correct and they never did. We switched users and they say we owe them. Not sure at this point what it is for. I tried numerous times to straighten this out. They turned the account over to XXXX XXXX. We got numerous bills from them saying they would offer a settlement for x amount. I disputed this on my credit report because this is not my name on the bill, but on my credit report because of my SSN. The dispute came back in their favor. I got sick of fighting with them so I took a bill they had sent and paid the amount it showed. Sent that bill, my check with paid in full on it and mailed it to them. They cashed the check. I then got another bill from them. I called regarding it and they stated the amount I paid was on a expired offer. However they cashed the check. I feel that they have been paid and I actually paid a bill that is fraudulent beings it is not my name on the bill but they have my SSN.
Product: Bank account or service

I was recently approved for a credit card with Pentagon Federal Credit Union. In order to take advantage of the 2 % the card offers members are required to either be in the military service or open a checking account. I was informed by one of their agents that since it has been less than 90 days since they reviewed my credit they would not need to obtain a new report in order to open the checking account. I applied on XX/XX/2017 and they pulled a credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, a citizen of XXXX, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name, XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, XXXX XX/XX/2021. I am the natural person not a third party. I did make this FTC report. I the consumer XXXX, XXXX did not receive goods and services so this FTC and identity block ism valid. You dont have any rights to deny my block of these alleged account an If all the accounts listed above arent removed in 30 days as stated in 15 U.S. Code 1681i ( 1 ) ( A ) which directs you on what to do when investigating a consumers file for accuracy without the proper investigation practices Pursuant to 15 U.S. Code 1681a ( e ) which I quoted above ; I the consumer will seek remedy under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) Civil liability for willful noncompliance. If you have proof that I received services please have a senior executive certified of the penalty of perjury that a fact that I received goods or services from this transaction.
Product: Credit card

Initially I was told that I would receive an adverse letter in the mail over 2 weeks ago and still havent received it which is a violation of FCRA including the fact that my commercial paper was accepted and used as chattel paper without my credit being extended back to me as the original creditor. 

In total I spoke with 3 people on the reconsideration line at chase bank, on the underwriter/banker I spoke with was A man named XXXX on the reconsideration line working at chase bank on XX/XX/XXXX around XXXX willingly denied me a Chase Business Ink Credit Card after I explained through 15 U.S.C 1602g, Equal Credit Opportunity Act, 12 CFR 1002, Consumer Credit Protection Act and House Joint Resolution of 1933 a natural person can not be denied any credit under any form of discrimination including credit worthiness, adverse action and capacity to contract. Once the commercial paper is accepted by the bank an applicant can not be denied credit since we are the original creditors.
Product: Debt collection

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am filing a formal complaint with the Consumer Financial Protection Bureau regarding Experian 's failure to remove unverifiable items from my credit report, as required by the Fair Credit Reporting Act ( FCRA ) Section 609. 
I have been attempting to dispute these items with Experian since XX/XX/2022, and have written over six letters requesting that Experian remove the items from my credit report. However, Experian has failed to take any action and has not provided any evidence to support the accuracy of the disputed items. 
Under FCRA Section 609, consumers have the right to request that credit reporting agencies provide evidence to support the accuracy of the information reported on their credit reports. If the credit reporting agency can not provide such evidence, then the information must be removed from the report. 
Despite my requests, Experian has failed to provide any evidence to support the accuracy of the disputed items. As a result, I believe that Experian is in violation of FCRA Section 609 and is causing significant harm to my creditworthiness.

I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and hold Experian accountable for its failure to comply with FCRA Section 609. Additionally, I request that Experian remove the unverifiable items from my credit report and provide me with a written confirmation of its actions. 

As of today, I filed two fraud reports with Experian and was advised to submit an addition to my reports the report that I am filing with you.

Unfortunately, Im unable to log into my previous account. Therefore, I created this new account today and Im submitting a brand new report.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Company sent full credit report of an individual that is not me to me. Including SSN, phone, DOB, address.
Product: Credit card or prepaid card

I received a statement in the mail at the beginning of XX/XX/2023. It has annual fee charges and credit protection fees. I did not open this credit card. On XX/XX/2023 my wife contacted the number on the statement to let them know this account was opened fraudulently. They indicated she needed to give them my social security number to even speak on the account. This is not a practice she felt comfortable with given it is fraudulent in the first place. I received another statement adding credit protection fees and interest to the previous statement balance. I have never used this card. I do not have a physical card. It was not opened by me. I am submitting a written notification as instructed on the back of the statement and sending it certified mail to Genesis FS Card service within the next 2 days stating this account was opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit profile and I noticed that there are several items reporting that do not belong to me. These items are reporting either in error or as a result of identity theft. I have sent letters to the credit agencies informing them of this matter and they still have not corrected the matter. 

The following items that are reporting in error : XXXX XXXX Account ( result of identity theft ) There are late payments showing on XXXX XXXX and XXXX XXXX ( I was  never late on these accounts ) Names : XXXX Addresses : XXXX XXXX, XXXX XXXX There are unauthorized Inquiries reporting : XXXX ( 2 Times ) XXXX XXXX  ( 4 times ) XXXX XXXX XXXX XXXX XXXX XXXX ( 9 times ) XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX has a collection against ( {$580.00} ) me but I have never had a XXXX XXXX account. It states the account was opened in XX/XX/XXXX, closed in XX/XX/XXXX, and went to collections in XX/XX/XXXX.
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX Account : XXXX Amount Collect : {$220.00} from Creditor : HUNTER WARFIELD, 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 an account without my written instructions.
Product: Checking or savings account

New debit card was issued by Chase Bank on XX/XX/2022. Despite activating the card and using it at a Chase Bank ATM, the new card does not work for online or instore purchases. Despite contacting Chase Bank multiple times, the new card is connected to the wrong checking account. Attempts to address this issue with Chase Bank have all failed. 
Now unable to access my funds or close down old checking account.
Product: Vehicle loan or lease

I selected a vehicle XXXX at the XXXX Florida Infiniti store located at NMAC XXXX XXXX, XXXX TX, XXXX. Customer service # XXXX. 

Dear Sir/Madam, I am writing this complaint due to an agreement that I was promised when I leased my XXXX vehicle during the month of XX/XX/2016 at the Infiniti of XXXX store located at XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX XXXX # XXXX XXXX XXXX. 

I was promised free maintenance on my vehicle for the term of the lease contract however when I first went in for my initial maintenance check there was nothing in the maintenance system that I had maintenance coverage for my vehicle and I then told him it was suppose to be in the system because I was promised it free for his manager / sales manager selling the vehicle I had selected sold my vehicle to someone else therefore for selling it to some lady customer that wanted a darker gray in lieu of the silver that was available that I ended up getting after he told me he would make the mistake up to me by giving me free maintenance on my vehicle for the life of my contract however later while checking my contract with Nissan it was discovered I was charged for my maintenance contract which I believe was done after my inquiry during my first maintenance visit. I also discovered that someone signed and initial a maintenance document on my behalf because the salesman tried putting a maintenance document in my original set of paperwork and I told him your manager stated that my maintenance was suppose to be free due to the mix-up on the car that I selected and sold to lady I mentioned previously I believe his name was XXXX XXXX and he now works next door for the XXXX dealership. I am requesting that I be reimbursed for the maintenance contract I was charged for and all interests and fees associated with the term of my lease which is still open until next year. In addition I believe my lease should be terminated immediately due to the misuse of my information inappropriately and the signing of documents that were not signed by me. 

Thanking you In Advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Florida XXXX
Product: Credit card or prepaid card

My wife and I could not possibly be more disappointed in XXXX XXXX and Comenity Bank!!! We absolutely feel that we have been ROBBED of XXXX dollars or at least victims of fraud. 
My spouse had been a long-time customer of XXXX XXXX and felt that they delivered a high-quality product. In XX/XX/XXXX my spouse placed a telephone order for a bed through a XXXX XXXX retail location in XXXX, TX. My spouse was absolutely not advised of any special circumstances surrounding this order. The sales associate simply took the order and accepted our XXXX XXXX/Comenity Bank account as payment. The sales associate explained that the card would be charged when the item shipped. The associate did not in any way explain any special return or cancelation requirements associated with this order. Due to the excessive delay in fulfilling the order my spouse decided that she would prefer alternative solutions. 
On XX/XX/XXXX in the evening my spouse called XXXX XXXX to cancel the bed that had been ordered in XXXX. The initial person my spouse spoke with told her that she could not cancel the order. Again, this is absolutely the first time anyone has told my spouse that this order had special conditions associated with it. My spouse ask to speak with a supervisor at the call center. My spouse spoke with a supervisor and the supervisor cancelled the order ( supervisor did not mention any penalties associated with canceling ). 
On XX/XX/XXXX I opened our Comenity Bank/XXXX XXXX account statement. I noticed a charge and a credit both on XX/XX/XXXX that left a balance due of XXXX. I called the number listed on the statement and spoke with XXXX. After 43 minutes on the phone, XXXX simply stated that the bed had shipped on the same day that we canceled the order. XXXX was not rude nor unprofessional but was obviously not helpful from my perspective. I ask several times where I could complain about not being allowed to dispute the charges and complain about the banking/credit method. Ultimately my call was transferred to a team leader by the name of XXXX. XXXX was apprized of my complaint. XXXX was matter of fact and said that we should not have been able to cancel the order at all and that we were fortunate to have the amount credited because we should have received a store credit and not credit returned to the account. Again, the first time we were ever told that special circumstances were involved with this order that would result in monetary loss was on XX/XX/XXXX!! I followed up with XXXX asking who I could complain to about the Banking practices that I felt were wrong. XXXX said she did not know what agency I could complain to about the banking practices. XXXX said if I wished to complain in writing to XXXX XXXX I could find a link on the website ( I was not able to find any link to communicate on the website!! ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On around XX/XX/XXXX XXXX XXXX  XXXX Account Vice President has stated on phone conversations that the negatives of 30-60-90 days was going to be deleted to support me on my VA Loan and home purchase in Florida. 
Now, she denies that she didn't promise me.This a act of Discrimination and Retaliation against me as a XXXX XXXX American and Military Veteran. 
XXXX administration are Retaliating because I filed various Federal Government complaints since XXXX and Present. 

XXXX XXXX XXXX credit report shows that XXXX XXXX XXXX contacted XXXX and deleted the negatives on my credit report on XXXX XXXX. 
I have a credit score of 680 on XXXX

.. Res
pectfully XXXX has violated my XXXX XXXX Civil Rights Act under Department of Justice.I am XXXX XXXX and XXXX.I am a US XXXX XXXX Military Veteran.