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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX, XXXX, and Equifax credit report on XX/XX/year> and noticed some things are incomplete with adverse information and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible ACCURACY of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) PROMPTLY notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 card

On XX/XX/year> I attended a XXXX XXXX XXXX  event at a venue called XXXX XXXX XXXX in XXXX XXXX XXXXXXXX. Upon arrival I was verbally told there would be a {$900.00} minimum spend, which I agreed to, and signed a card saying I would pay this amount, although the amount was blank on the card. 
I purchased drinks at the bar, and the card was returned to me. A few days later I was charged {$2900.00} dollars at XXXX XXXX, {$270.00} at a venue called XXXX XXXX  that I did not go to, and {$160.00} for a Black Car that I was not in. The XXXX XXXX provided me with a receiped for {$2900.00} that I did not sign. It is pretty clear that the envelope trick is a scam used to swipe the card on readers and since it is XXXX XXXX XXXX this company believes it has the right to take advantage of people going out with money. The alarming fact is the XXXX XXXX is a real company and they are pulling this scam, despite standards that are supposed to be enforced by credit card companies. After reporting these three unauthorized charges to Wells Fargo and waiting several days, the claim was reversed in their favor. Wells Fargo does not protect its consumers and is falsely advertising their credit card product.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and ive been reaching out to XXXX, Transunion, and XXXX since XX/XX/2022 and they are still reporting these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. please remove them from my credit.
Product: Student loan

Hello, I have been paying on a {$16000.00} student loan since XXXX that today still has a balance of approx {$12000.00}. In the XXXX timeframe, my job was eliminated and I was forced to pay close to $ XXXX monthly for ObamaCare so I was unable to pay the student loans for small period of time. When I began working again, I was forced to pay {$5000.00} which I'm finding out now that none went towards my loan at all. The servicer, XXXX, doesn't even have record of that payment. 

Further, approx 50 % of my monthly payment is going to interest. 

I find that this loan is the clear definition of predatory lending. I will not pay on this any longer while others have their debt erased.
Product: Debt collection

Stellar Recovery never contacted me about my debt or provided me with any information regarding the delinquent account they inherited from XXXX. I did not receive the notice of right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years I have disputed the way the Department of Education has been reporting my information. 
Loans taken out in XX/XX/XXXX, -XX/XX/XXXX with 36mo terms would have either become delinquent in first year or been paid in full by XX/XX/XXXXor aged off credit report in 7yrs of first delinquency. 
They are reporting first delinquency in XX/XX/XXXXas a means to keep on my report an additional 7yrs. They waited till the last moment to maximize the damage to my credit. 
Passing loans also does not make it a new loan or debt. Because multiple servicers have passed much of the information can not be verified. Loans taken out in XX/XX/XXXX-XX/XX/XXXX were sent to Great Lakes borrowers. Great Lakes has informed me they do not have record of who had loans prior or information about payment history. How is it possible to enforce this debt when chain of custody of these loans can not be verified? 
Both Great Lakes and Department of Education are reporting one loan in 3 ways. The department of education has split it in 2 and reporting as separate loans. 
They also claim I took out nearly 100k in student loans. I went to XXXX  college not an XXXX XXXX XXXX to be a XXXX. What lender would give a young adult XXXX to go to XXXX   college? A lender would not give a buyer 3 times a car value for purchase. It is not reasonable to believe I received this much. Both the lenders and schools have been unable or unwilling to show evidence I actually received any disbursements. I am unsure if my signature was used to falsely obtain loans I did not recieve or if signatures were forged. 
Each time I have disputed with credit bureaus or directly no changes are made except to increase balance. Even the number of loans they are reporting is inaccurate. According to the nslds.ed.gov website there are 11 loans yet reporting 15 on XXXX. Confirmed not another servicer. I believe there are duplicates. I have also requested proof of signatures and certification of debt. The only response I have received is a copy of master promissory note with an electronic signature. Not one hand signature to prove loans received. Master promissory note does not give dates, amounts, disbursements, interest rates or any financial information whatsoever. Truth in lending act states they are required to be forthcoming with this information. 
I want this information removed from my credit report as it has adversely affected my life and even cost me a job offer.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from comedity bank that my new statement was available. I reviewed the bill and notice my payment was not applied. I verified my payment was taken out on XX/XX/XXXX. I immediately tried to contact the bank and on XX/XX/XXXX I finally spoke to someone. I was told they were having issues and hopefully all would be resolved by Friday XX/XX/XXXX and no late charges would be charged. I tried to use my card and it was denied for insufficient funds. I called again and was told that my paymwnt was late. I explain once again that it was withdrawn from my bank. I qas told i would have to mail them a copy of my bank statement to prove i paid. I asked to speak to supervisor who said my card was showing up as insufficient funds and they really did not know why. I have a XXXX credit limit and owe about XXXX.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act these creditors have violated my rights. 

XXXX ) Open sky account number : XXXX on XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, closed account with no account number. XXXX XXXX & XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX XXXX account number : XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX  ) XXXX ) XXXX XXXX  account number : XXXX. XX/XX/XXXX address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX ) Self lenderXXXX account number XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Self lender, account number. XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) Self lender, account number : XXXX. XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX/DEPT OF XXXX, account XXXX. address : XXXX XXXX XXXX XXXX, MO XXXX XXXX - XXXX of XXXX Under 15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions.

15 US Code 1681A definitions ; rules of construction - exclusions. -- - except as provided in a paragraph the term " consumer report '' does not include -- any report containing information sole as to transactions or experiences between the consumer and persons making the report.

Under 15 USC 1666b : a creditor may not treat a payment on the account under an open-end consumer plan that's late for any purpose. 

XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to convey an overwhelming sense of urgency and frustration that can not be overstated. It has come to my attention that despite my repeated efforts to resolve the matter, fraudulent accounts persist on my credit report. This constitutes a flagrant violation of my consumer rights and is utterly intolerable. 

Your persistent failure to address this issue is not only unacceptable but also deeply troubling. The presence of these fraudulent accounts is tarnishing my financial reputation and causing considerable distress. As a victim of identity theft, the negligence of your bureau only exacerbates the severity of the situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX 

I demand immediate action on your part to cease reporting these fraudulent accounts on my credit file. Your inability or unwillingness to do so reflects a gross dereliction of duty and a blatant disregard for the law. It is abundantly clear that the practices of your bureau are inadequate and must be rectified without delay. 

Furthermore, I anticipate a written response from you within the next five business days, confirming the removal of these fraudulent accounts from my credit report. Additionally, I insist on receiving comprehensive documentation outlining the steps taken to investigate and resolve this matter. 

Let me be unequivocal : should these demands not be promptly met, I will not hesitate to pursue legal action against your bureau. The repercussions of your inaction will be severe, and you will be held accountable for the significant harm inflicted upon my financial well-being.
Product: Credit reporting or other personal consumer reports

I don't have any knowledge regarding this and the company did it without my consent.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent transunion, XXXX and XXXX a detailed letter pointing on the inconsistencies in their reporting. All of the agencies have different information in which most of it is wrong. After doing some research I found that the credit agencies are to file all of the information reported to them accurately or mostly accurate. If they are getting their information directly from the creditor, why is there incorrect information listed on my credit report. They may not care about how they handle peoples credit report but I do. This is my livelihood. I gave them more than 30 days to update the information or remove it. They did not respond. I am a tax paying citizen and I would simply like to be heard and my right honored. I have detailed what errors are listed for them with a screenshot of the inaccurate accounts I have. I have done my part and I am simply asking them to do theirs. I will attach more details.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report after receiving information that my personal information and social security was leaked during a data breach. I notice that there is an account by the creditor XXXX XXXX that is being reported by XXXX XXXX, that is associated with the account number XXXX in the amount of XXXX reporting on my credit report that does not belong to me and believe this is a direct result of the data breach and I need this account and all associated accounts deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are Unauthorized HARD Inquiries on my Credit Report. Please I am asking for assistance to remove them. I am trying to buy my first home and these are a problem for me. Please help me. They are all on my Transunion XXXX and XXXX reports I would NOT have given the Authorization to run my Credit in multiple sequence as such such as I know very well the Negative impact that it can have on me. I really need your help with this. I have called multiple times and all I do is get a Voice Tree that never takes me to a Live Human whom I can Speak with, I get cut off as they are asking for information that I do not have and would not have had as I do n't have an account with them, the few times I do get a Live person they do n't know who to transfer me to. Please Help me Thank You. 

Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of CompanyXXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company- XXXX-Date Inquiry Date XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Name of Company-XXXX XXXXInquiry XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX Name of Company XXXX XXXX XXXXXXXX I -Date AddedXXXX XXXX XXXXXXXX I XXXX, MN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Date Added- XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX Inquiry DateXXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Date- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX Name of Company XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX- Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of CompanyXXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX XXXX Date of Inquiry XXXX XXXX -Inquiry Added Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquires XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX put a 30 day late after I closed the card account they were still accepting debits after I closed the account. They apologized and agreed to checl notes and offered to remove the late and convinced me to stay with them and so I did.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called XXXX XXXX regarding my XXXX credit card ending in XXXX. A representative XXXX  answered the call and enrolled me in a 90 day program for hardships. I asked more than once if my credit report could be affected specifically for 30 day derogatory reporting and he said several times no. He told me as long as my past due balance was paid within 90 days my account would be fine, return to current status with no negative credit reporting. I was extremely clear on my request and I asked several times. He even stated on that day that my account was 23 past due. I replied that the account was 29 days since the payment was due on the XXXX of XXXX to which he explained about statement dates and assured me the account was 23 days past due as of XX/XX/2023. Before I got off the phone with him I paid {$25.00} and he confirmed receipt of the payment. There was no amount given to me to enroll and he stated any amount was fine. Today my credit reports are reflecting 30 day derogatory marks. I would like these derogatory marks to be removed and the call with that XXXX employee to be pulled to listen to what I am staying as facts. I did call today and ask for a XXXX rep who submitted a claim on my behalf. 
I know my account is past due but I have always made my payment before the deadline and I only inquired about the hardship program because I received a notification on the XXXX app. Please note that none of my statements reflect a past due amount, only a minimum amount due so I have to either call to get that amount or reference past payments. In addition since the rep told me I had to make the minimum with 90 days, I even made an additional {$50.00} payment on XXXX XXXX XXXX. I would like this corrected please as I did exactly what the contracted rep stated.
Product: Checking or savings account

I opened an account with citi and enrolled in the Citibank {$700.00} Checking Offer. The requirement that stated in the offer is in the following : To earn {$700.00}, complete these required activities* : 1.  Make a deposit of {$50000.00} or more ( multiple deposits allowed ) in New-to-Citibank funds into the new Eligible Checking Account and/or the new Eligible Savings Account within thirty ( 30 ) days from account opening. 2. Maintain a minimum balance of {$50000.00} in the eligible account ( s ) for sixty ( 60 ) consecutive calendar days following the date when you made the {$50000.00} deposit ( " Minimum Balance ''  ). I have transferred the fund in XX/XX/2019, I was supposed to get the bonus by XX/XX/XXXX according to citi that " the cash bonus will be credited to your new checking account within ninety ( 90 ) calendar days from the date you complete all required activities ''. 
I submitted a claim to CFPB on XX/XX/XXXX ( XXXX ), and received their response on XX/XX/XXXX. I mailed the W-8 ben form as Citi 's request on XX/XX/XXXX, and emailed the Citi Executive Response Unit that I have mailed the form, and expressed my concerns. I've not received a response. I've called Citi bank several times today, and a representative have confirmed that they received my W-8 ben form but told me that I have not been W-8 ben form certified. As the same problems has been happening, I questioned how many times do I have to send the W-8 ben form to Citi if they just keep not verifying it. As I did submitted W-8 ben before for twice. The representative put me on hold and after a while the call got hang up. As you can see in one of the screenshoot, I have called Citi bank 9 times today. For 3 calls I got to talk to a representative, and 2 of the calls got hang up when the representative put me on hold. For the last call, the representative put me on hold when he was looking up my case, and then I got transferred to another representative. I was told by the last representative I talked to wait for one more week. I have not got an answer when exactly I'll be getting the bonus yet.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the rapid removal of a charge-off account from my credit report, despite multiple attempts to resolve the matter. 

I discovered an erroneous charge-off account listed on my credit report. Immediately upon noticing this discrepancy, I took the necessary steps to rectify the situation. I promptly contacted both the creditor and the credit reporting agencies to dispute the charge-off and provide evidence supporting my claim. 

This hasty removal has had significant negative implications for my creditworthiness and financial standing. It is imperative that such matters are handled with the utmost care and thoroughness to ensure fair and accurate reporting. 

I kindly request a thorough review of my case and a reinstatement of the charge-off account pending proper validation. With this, I am asking for your assistance to remove this account in my credit file : XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Mortgage

Back in XXXX XXXX  Wellls Fargo raise my monthly payment on my home. So I loss my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I made two payments to my credit card. One payment was made on XX/XX/XXXX for {$630.00} and another was {$310.00} made on XX/XX/XXXX. These payments were both drafted from checking account and posted on XX/XX/XXXX. Today, XX/XX/2024 at XXXX cst, I called Synchrony and inquired why one of the payment I made was not credited to my account even though the representative I spoke with acknowledged that synchrony already received the payment. The representative told me that one payment was held because i made two payments and it will be credited to my account on XXXX XXXX. This is not the first time Synchrony did this same practice where payments I made is held and not credited to my credit card account even though synchrony received the funds from my checking account. Synchrony eventually credited my payment days after they received it. Holding on to the funds when there is no valid reason to rather than credit it to customers account is just deceptive practice done on purpose to make it appear as if customers are not making payment on time so Synchrony can charge late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of birth : [  XXXX / XXXX / XXXX  ] Transunion,  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX , PA  XXXX   XXXX / XXXX / XXXX  Dear Transunion, Please provide evidence the following accounts belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.These companies are attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay these companies any money. A bill is not a contract. And the stature of Limitations are up on these debts. The following companies are in violation of : the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, Defamation of Character and the  HIPPA Law .   Account Name :  XXXX   XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out to all XXXX credit bureaus and XXXX regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or XXXX party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.