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

I submitted a letter to the XXXX Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XXXX XXXX XXXX  I brought a XXXX XXXX XXXX from US AUTO SALES in XXXX, Ga at the dealership. Within a week, the transmission was already slipping. By month two the transmission had gone completely out. After taking the vehicle to XXXX located on XXXX XXXX, and waiting over a month and a half for a {$5000.00} brand new transmission and approval from the warranty company XXXX, I received the vehicle back. But unfortunately it was doing the same thing and a week later, the transmission fluid started leaking. The XXXX told me it was my fault because I had hit a median or pothole. But after getting a second opinion ( on camera this time ) I was told they had put a bad transmission in my vehicle. Rusted out was the exact phrase used. US AUTO SALES PROMISED TO REPLACED THE VEHICLE BUT KEPT GIVING THE RUN AROUND. This went on for almost a year with the vehicle constantly breaking down and almost causing numerous accidents. Then in XXXX they shut their doors indefinitely and unexpectedly. Taking the money out of the account for XXXX ( our warranty ), our roadside, and our GAAP. All with a broken down car and empty promises. And the day before they cut their phone lines, they repossessed my vehicle. They took over {$2000.00} from me as a down payment and I couldnt even submit a letter of remittance. I want my down payment back as well as the loan removed from my credit report.
Product: Checking or savings account

Hello, I opened a Citibank checking and savings account on XX/XX/2020 in order to take advantage of a bonus promotion offering {$700.00} after completing tasks. The tasks were to deposit {$50000.00} in new funds into the account and maintain them for 60 days in order to earn the bonus. I met those benchmarks but Citibank is refusing to pay me the bonus.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681XXXX ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXX XX/XX/XXXX
Product: Debt collection

I am disputing and requesting the removal of inaccurate information from my credit report. Upon contacting the bank, I was informed of a possible system glitch causing misreporting, with no records available. They assured me they are rectifying this and will update my account accurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After much solicitation from PennyMac, I decided to initiate a refinance on my home, which they were currently servicing the mortgage for. The initial individual that I worked with was XXXX XXXX, she was wonderful ; polite, engaged, great phone etiquette, great follow up, and simply made me feel like this is a company I want to be in business with. As soon as she handed me off to XXXX XXXX, the issues started. Perhaps to no fault of his own, but his lack of follow up made the situation 10 times worse. I was the one that had to call over and over and over to get an update, I would leave messages and send emails and not even a courtesy email back. All my paper work was submitted in order, my appraisal came back even higher that what we needed, my credit was where it needed to be, my reserve funds were where they needed to be, everything was in perfect order to close my loan. They denied me because I had some mail going to my mothers house, which is not wrong in any way shape or form. They never asked for a letter of explanation, they never asked for a copy of my license, never put a call to me. If I did not call over and over, no one would have even told me. I asked for a manager and was lied to about it being escalated to someone who was not even there for days. I offered to provide my birth certificate and proof my parents owned the house, I sent the letter they never asked for, I sent the copy of my license they never asked for. To this day no one in management has called me back. The items I provided should have been requested from me, I work in the same industry and know that my file has been mishandled and as a client I have not been given the service I deserve.
Product: Debt collection

I was about to set up the monthly payment when they called me monday XX/XX/XXXX and be ready. But they called me again today but I missed the called but I do know they were gon na force me to pay. But I am making a payment plan through XXXX College the right way.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a {$2600.00} debt claimed by XXXX XXXX XXXX, as I have never engaged in any business with your company. I received a letter demanding payment for a transaction I do not recognize. I request a thorough investigation, documentation of the alleged debt 's legitimacy, and removal of this account from my credit report pending resolution. This collection has caused me to be ineligible for closing on my forever home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit with Barclay. The continue to report the status of the account as 60 days past due to 2 of the credit bureaus. This makes an account that is closed and paid in full report as an active delinquent account. they failed to report payments made after a missed payment which would have taken the account back to current status with the credit bureaus. They knowingly are doing this to keep this account delinquent seeing I closed the account after issues with their system accuracy. The account was never 60 days past due
Product: Credit card or prepaid card

I wanted to dispute a transaction which I purchased with a credit card issued by Chase Bank ( I was unsatisfied with the service I received from merchandise ). However Chase didn't treat my request well and didn't even try to protect customer 's right or investigate more into the case I met. 

Some details for the transaction- I purchased four tickets for XXXX XXXX XXXX XXXX XXXX  for the XXXX candlelight concert held by XXXX. However, the experience didn't reach my expectations and I would like to request a refund for the XXXX tickets. 

1. We purchased tickets for XXXX XXXX XXXXeats but when we arrived, the only seats remaining for us were the last rows of XXXX XXXX ( We can't even see XXXX 's face from there ), which should had a lower price than XXXX XXXX  tickets. We complained this to the staff but we were told the seats were first-come-first-serve. That totally didn't make sense. XXXX XXXX has different price than XXXX XXXX, how can all seats be fcfs? 

2. The scheduled firework was canceled. Firework was the most expected part we were looking forward to but it was canceld. We also communicated with the merchant for the cancelation, but they didn't give any feedback for this and didn't provider solutions. 

3. The performers played several wrong notes, especially in XXXX XXXX XXXX XXXX XXXX XXXX 

Unfortuantely, the experience didn't reach our expectations- especially the expeirence with the seating, we felt really being offensed.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX Experian : credit or insurance. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX was added to my credit as a debt I owe when I dont owe anything to them that account doesnt show up on any of my credit report beside transunion I dont understand why its hasnt been removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint and follow up regarding American Express 's failure to comply with my opt-out request. Despite my notification to American Express to opt out of their marketing and data-sharing practices, I continue to receive communications and see evidence that my personal information is still being shared with third parties. This constitutes a violation of several federal and state laws. Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to honor consumers ' privacy preferences, including the right to opt out of specific information-sharing practices. American Express has failed to meet this obligation. As a resident of New Jersey, I am also protected under state privacy laws that mandate organizations respect consumers ' privacy rights, further compounding this violation. 

Additionally, 15 USC 1681a ( q ) ( 3 ) outlines the permissible purposes for sharing consumer report information. By continuing to share my information without my consent, American Express is violating this provision. Furthermore, they are non-compliant with the Truth in Lending Act ( TILA ) by failing to accurately disclose how my personal information is utilized and continuing to send me unsolicited communications that contradict TILA 's disclosure requirements. 

In light of these violations, I request immediate action to ensure that American Express ceases all unsolicited communications, honors my opt-out request by stopping the sharing of my personal information, and fully complies with the relevant laws.
Product: Checking or savings account

Bank of America never completed my disputed charges that were not authorized by me. Giving me. No response after I completed a police report as instructed in order to continue my claim.. bank of america did not complete their invistigation and reversed everything out of my account about {$6000.00} additionally to the amounts that were disputed in a total of {$7000.00}. With both combined totaling about {$13000.00} allegeadely bank of america never proceeded with any further invistigations. which have not received any ccreditwhatsoever. Only credit I see in my account is for a refund after I canceled. A order for {$200.00} which still remains in my accounts along with XXXX credit from another payment which was made to me by XXXX but does not show the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with EQUIFAX about this information and I am uploading additional information to my previous complaint to have this account removed from my credit report immediately. I have contacted FTC and am now sending this information to EQUIFAX. on XX/XX/21 I received an alert that a company called " XXXX XXXX XXXX '' had stated that I opened an account with them on XX/XX/21, had a balance of {$670.00} and placed this information on my report. After filing my dispute, this company then changed information stating I had made a payment of {$50.00}, which was then put on my report with another credit bureau ( XXXX ) to them and then changed and updated information on my report. 
THIS IS COMPLETELY FALSE! I Have never dealt with this company and This account if fraudulently on My credit report. I am requesting that EQUIFAX remove this information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX account # XXXX and 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

US DEPT OF EDXXXX XXXX {$930.00} XXXX XXXX {$3800.00} XXXX  XXXX {$470.00} XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$290.00} XXXX XXXX {$4000.00} XXXX  XXXX {$270.00} XXXX XXXX {$2300.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items listed below. It is not authorized to fail to validate these reported items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX Original Creditor : XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX EXPERIAN XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX EXPERIAN XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Student loan

I have explained to Navient on XX/XX/2016 that the school that I went to which was XXXX XXXX XXXX was closed down. I have applied for jobs and they will not except the degree that I got from that school. While in the process of applying to different XXXX schools, I called around look for a transcript from XXXX XXXX XXXX no one can find any of the transcripts from that particular school. I have asked Navient to forgive that loan because Im not able to use anything that I acquired from XXXX XXXX XXXX. Im currently at XXXX XXXX XXXX retaking all of the classes that I took a XXXX XXXX XXXX to get me into the XXXX program.
Product: Payday loan, title loan, or personal loan

My loan was modified due to a job loss, and I explicitly asked if it would not cause my account to be reported as delinquent, which I was told it would not. I received the paperwork and signed. I am attaching a copy. However, they are reporting me as being {$3400.00} delinquent and any payment not being accepted until that is paid. 

I have documentation where I explicitly asked etc as well.
Product: Mortgage

I want to purchase the home I 'm in now. I have a lease option to buy for XXXX I approached a mortgage company : Bay Equity Home Loans, a local franchise here in XXXX XXXX, XXXX XXXX XXXX. My situation is unique in that I 've been a victim of ID Theft with regards to my former employer : XXXX exposing my XXXX Tax information to overseas hackers and that the IRS Confirmed this with a letter in XXXX that my XXXX was submitted a second time in XXXX 2016 : SEE ALL ATTACHED. 

In speaking to XXXX XXXX, he assured me that since I 've got my case well documented that he " felt '' that he could overcome my low credit score and the massive inquiries from XXXX to XXXX 2016 which I 've written the XXXX bureaus about removing as of XX/XX/XXXX. 

I 've asked my real estate agent : XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX ) who wrote my original contract and lease option to assist me with the purchase of the home. Now, due to my SHORT SALE of my previous home, I owe the VA XXXX due to the LOSS " BUT '', I 'm still eligible for SECOND TIER loan Guarantee according to the XXXX XXXX of a home up to XXXX. Here are the details of that phone call : 1 - The home needs to have the tongue and axles " REMOVED '' as this is a double-wide manufactured home : THEY ARE GONE! 
2 - VA DOES NOT require an engineers report 3 - Remaining bonus entitlement = $ XXXX XXXX - XXXX of home to buy : {$200000.00} 5 - WE HAVE {$2000.00} in that the landlord/owner agreed to use towards a down payment 6 - The new certificate will be issued as a compromised CLAIM in the center section of my loan certificate NO MIN CREDIT SCORE REQUIRED and it 's based solely on investors and lenders overlay. 

THE PROBLEM : XXXX XXXX at Bay Equity REFUSES to now get me a load because the house was move to this location from the original location where it was set when purchased buy the original owner. THUS : They are DISCRIMINATING AGAINST ME as a VETERAN and REFUSING TO ALLOW ME TO BUY THIS HOME. 

This is NOT ACCEPTABLE and XXXX XXXX told me now I have to SHOP AROUND for a bank/lender the WILL allow me to buy this home because it was moved a SECOND TIME. IT 'S XXXX! PERIOD, END OF CONVERSATION. 

If the VA will GUARANTEE the loan and they could care less if it was moved a bazillion times to another universe, then why wo n't BAY EQUITY or even XXXX do it and shut me down wishing me " GOOD LUCK! '' I DO N'T HAVE TIME FOR THIS XXXX and DO NOT FEEL THAT I 'M BEING TREATED FAIRLY!. I can BE EVICTED and the HOME CAN BE SOLD FROM UNDERNEATH ME and I WILL NOT STAND FOR THAT.
Product: Credit reporting or other personal consumer reports

The following account i do not believe to be mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letters to XXXX, XXXX  & Equifax asking for verification ( original wet live signatures ) on ALL ACCOUNTS on credit report. No information was provided on how accounts where verified, did not receive original wet live signature contract copies as requested on dispute. 

On XX/XX/2019 dispute letters where received by all 3 credit bureaus mentioned above. 30 days after receipt I was given no information on how the accounts on my credit report where verified nor was I given a copy of a wet live signature that binds me into contract with any of the accounts reporting on my credit file. I have attached a photo of the certified mail receipts.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I paid {$760.00} on My XXXX Acct through Zelle ( their partner of choice on the XXXX online banking app ) that sends monies from a customers acct to a email address. The recipient ( XXXX XXXX ) that runs a social media promotion and sponsorship company ( XXXX ) received the money and turned out to be a fraud and scam me of the entire amount. 
What boggles my mind is that the biggest bank in the USA and their partner Zelle, have done absolutely nothing to try to recover my monies. To me fraud and scams sent by a banking app must have some sort of protection for customers, with federal backing to help in instances above and beyond their scope to try to recover a victims money. 
Can you please help me?