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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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: Student loan

I 've had a student loan with  Citibank  since  XXXX .  Citibank  wrote me a letter in early   XXXX   XXXX   informing me that effective   XXXX   XXXX   XXXX  , my loan would be transferred to another lender  (  XX/XX/XXXX  ) . However, when I attempted to contact  XXXX  after that date, they informed me that they had no record of my loan. I believe that my loan was paid in full sometime  in  XX/XX/XXXX , but I have not been able to get in touch with anyone at Citibank to receive confirmation of the status of my loan. Citibank has shut down their online customer services, so I can no longer log on to my account. Citibank has also shut down its call-in number, so it 's impossible to get a customer representative on the phone. I 've written Citibank a letter asking for information regarding the status of my loan, but have not yet heard back. As my lender, my understanding is that at the very least, Citibank should be requi red to provide information to me about whether my loan has been paid off or if not, who it has been transferred to.
Product: Debt collection

I was going to switch cell phone companies and wifi to XXXX. Signed up over the phone, they sent me new equipment but the phone numbers had to be ported. I made 3 trips to their store, went to XXXX XXXX XXXX and paid off my phone. Kept trying to get # s ported but ran into so many roadblocks and poor customer service- then was told by some smart XXXX  kid I didn't have to go through with it because I hadn't even ported the # s yet- I said, " you're right, I'm staying with XXXX XXXX XXXX XXXX XXXX I returned equipment directly to the store, unopened, directly to store manager, XXXX XXXX. This was another 2 hr ordeal that even HE could not get resolved. He wS put on hold and was transferred to 8 different people. He promised me he would work to resolve it when store was not busy. Went back up to the store to show him a bill I got for {$280.00}. He tried to remove that- unable to, then told me his computer said I owed {$680.00} AND I would be sent to collections! For WHAT? Today I received a letter that I have been referred to Convergent Outsourcing for collections {$680.00}. This is after XXXX XXXX, manager, worked on my problem and sent me a screen shot that showed I owed {$0.00}. I also received an email that the equipment was received. I am beyond livid. I am a XXXX I work very hard for Mt $ $ and I'll be XXXX if XXXX is going to EXTORT {$680.00} from me. This started on XX/XX/2021.
Product: Payday loan, title loan, or personal loan

I had started to receive a bunch of emails from different companies stating they had received my application for a loan, and to sign here. I NEVER APPLIED FOR A LOAN, AND I NEVER RESPONDED TO ANY OF THESE EMAILS. ONE COMPANY XXXX XXXX, HAS CALLED ME REPEATEDLY, EVERYDAY FOR OVER A MONTH, AND NEVER LEAVES A MESSAGE. YESTERDAY I PICKED UP THE PHONE AND TOLD THEM TO QUIT CALLING ME AS I HAD NEVER APPLIED FOR A LOAN. TODAY, THEY CALLED ME AGAIN BEFORE XXXX. I AM SICK OF THIS. HOW DID THEY GET MY EMAIL IN THE FIRST PLACE, OR MY PHONE NUMBER, AND THEN WHAT GIVES THEM THE RIGHT TO CALL ME REPEATEDLY EVERY DAY FOR OVER 30 DAYS AND NEVER LEAVE A MESSAGE. I AM SO SICK OF THIS. THE TELEPHONE NUMBER IS XXXX SAYS FROM XXXX, CA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. 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 XXXX 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. Or list of inquiries 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 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

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

On XX/XX/XXXX I was contacted by National Credit Systems for an amount owed to a apartment complex I recently moved out of the apartment complex under the motion I would be responsible for the months the apartment was vacant. I disputed the charges asking to company to Verify the alleged debt owed of {$6900.00}. All I received back from them was an itemized list of charges with accelerated rent they say I owe and the first and last past of my lease. After reviewing My copy of the lease agreement there on page 2 there is section stating I will only be liable for the dates the apartment was vacant. I am under the notion the apartment was not vacant for the remaining months on the lease as a new tenant was placed in the alleged vacant apartment. I again disputed this account with National Credits Systems and the 3 major credit reporting agencies XXXX, XXXX and XXXX. XXXX  was not able to verify the account and has since deleted it from credit report as of XX/XX/XXXX, while the other reporting agencies came back verified. National Credit systems again sent me an itemized list of the charges along with the first and last page of my lease, leaving out the verbiage written in the agreement for charges owed upon early move out of the apartment. On page 2 section 10 of the leasing agreement it states ... You will be responsible for monthly installments of rent through the end of the lease term or until a replacement is found, whichever occurs first. XXXX XXXX was a tennent in the vacant apartment this occurred first. Further the accelerated rent charges National Credit System claims I owe is not a provision within the lease agreement.
Product: Vehicle loan or lease

Back in XX/XX/year>, due to circumstances beyond my control, I elected to file bankruptcy. Payments were being made to the Trustee but he never approved out bankruptcy due to our very shady attorneys. So the entire time I was paying into the bankruptcy, nothing was being paid out. So we stopped paying into the bankruptcy in order to get it dismissed and our money back which we did just last week. Capitol One auto finance is who we have both of our car loans from and was never paid during the 6 months of bankruptcy. Since the bankruptcy dismissal, we have been reaching out to try to pay Capitol One and get our car payments back on track. Our online account is showing as restricted and they refuse to change it. We have tried on several occasions to call in the payment but they refused. Now they will not take our calls and are being sent to an automated system which leads to call ending before we get resolve. We are in fear of losing both of our vehicles needed for work because of their lack of cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

Our house sold in XXXX with a closing date of XXXX XXXX. Every step along the way appears to be a purposeful delay. With each delay we get a new proposed closing date of from 60 to 90 days. They buyer has great credit and is placing a large cash down payment. The first delay was that the third-party communication form signatures had expired. Then there was a delay in contacting the buyer then signatures had expired. Then after contacting Freedom mortgage and insisting on speaking to a supervisor we were told it was taking way beyond the normal time to process and that he would expedite the process and contact us the next day. He did not and did not reply to phone calls or email. Then it made it to the assumption department where after another 60 days it went to Underwriting. After the initial approval they said we would probably close by XX/XX/2023. Then they requested additional information from the buyer which was supplied in less than 24 hours. Then they said they didn't receive it then the next day they apologized for the error and said they found it. Now they say the have resubmitted the package to underwriting and it will be XXXX because the package had to go to the back of the line. When we authorized the assumption, we were told 30 to 90 days it has now been over 150 days and still looking at least 30more days. It has cost me additional interest on my XXXX loan for my new property. It has cost the Buyer additional money in rent to remain in the property during the process. I believe it is a scam to try and discourage people from using the VA loan assumption process.
Product: Checking or savings account

A large amount of money was taken from my account without my knowledge, USAA denied my dispute claims and reduced the provisional credit. Then after depositing money from my XXXX XXXX  pay as well as a XXXX money transfer from a family member, more money on top of that was taken even though there is no debit card open in my name. 

USAA refused to assist me, claimed to be unable to help, and did not attempt to dispute or assist with fraud. Instead they pushed back repeatedly, disrespected me, made up information, backed down when asked about false claims, then attempted to disrespect me more. XXXX in particular is XXXX of the least professional people I have had the displeasure of speaking to in a long time, let alone for a company claiming to help veterans and XXXX XXXX service members. Even claiming there was no supervisor for me to speak to beyond him, he falsely claimed everything on my account is fine when there is MORE MONEY being taken from it, and claimed transcripts must be subpoenaed through court preceding 's, all of this was stonewalled until specifically asked about. Throughout all of this he was rude, confrontational, and had an ego. To top it all off at the end of the call he refused to say a word and hung up on me.
Product: Vehicle loan or lease

I received a letter dated XX/XX/XXXX From PNC Bank, stating my loan was paid off in full, and that " the state agency will either forward a lien free paper title to the address listed above or to the address the state has on record '' it has been 3 months, and I haven't received my paper title. I called today XX/XX/XXXX around XXXX XXXX. They stated that they already released the loan lien and I can go get my own paper copy from my DMV. Um, no. The letter states you are authorizing the DMV to send me a paper copy, which by law I am entitled to. The bank refused to send me my title when I called.
Product: Credit card or prepaid card

I have held a store card through Best Buy which is administered by Citibank since 2019. I specifically applied for the store use only card at that time and have never asked for anything different. I tried to use my card today and was surprised to find that the existing account was closed and a new open-loop ( usable anywhere that takes Visa ) card was opened without my request, authorization, or consent. I called Best Buy to ask about it and they referred me to Citi. I spoke with Citi and they said it was simply a " migration '' to a new card, but I never asked for this. They said they sent me a letter in XXXX informing me of the change but that I needed to opt-out from this happening. I don't recall seeing this letter, but I shouldn't have to opt out of a new account being opened without my request. I never opted-in to this happening, so why did it happen? They said it was because I was a " good customer and they wanted to upgrade my account '', but I don't want a different account. I don't want a card from them to use anywhere other than Best Buy, that's why I signed up for the Best Buy specific card. I spoke with multiple individuals today at Citi and they all stated the old account is closed and can not be re-opened but suggested I could simply reapply for the card I already had. I have now closed all my accounts with them and will not reopen anything with them or Best Buy.
Product: Debt collection

This has showed up on my XXXX credit report in collections. I have reached out by mail several of times, and have requested that they provide me with an original contract for this debt, and they have not. I have requested from XXXX for an original contract between me and this collector or creditor, and they have provided me with nothing.i am not liable for this debt with XXXX XXXX. I do NOT have a contract with him or FABCO. I am aware of my rights as a consumer and know the laws that protect my rights under 15 USC 1692. 
I demand this account be removed from my credit report.
Product: Debt collection

I attended XXXX College in XXXX CO, from XX/XX/XXXX-XX/XX/XXXX,  I was unable to get my certificate and my friends and I found out that they were scamming people and the school closed. I am in debt over a school that wasn't real, where my certificate don't work and I can't use it anywhere.
Product: Credit card or prepaid card

Back in XXXX or XXXX of 2021 I received notification from Best Buy through a mailed statement that I had a balance due of XXXX. I did not purchase anything with my card nor had I used my card in well over a year maybe two. I proceeded to call the customer service number where I then got the run around about it being a charge to renew my card because it had not been used. I told them over the phone plus returned the statement to them via mail with a note on it telling them that I wanted the card canceled and that I was not going to pay for renewal of a card that I was not using. The following month I received another statement from Best Buy showing the XXXX charge plus fee charges of XXXX dollars plus XXXX dollars in interested charges bringing the balance I supposedly owe them to XXXX dollars. I then proceeded to call them again and tell them that this was ridiculous the card was already canceled and I was not paying these charges. I also sent them notification via mail. I received another statement in XXXX for a balance of XXXX dollars and now in XXXX I received another statement with the balance up to XXXX dollars for a previous balance of XXXX plus XXXX in fees charged and XXXX in interested charged. I am not paying nor do I feel I should have to pay any of these charges being that I am elderly for one and live on a fixed income and two for the simple fact that I did not purchase anything to have these charges nor did I ask for them to renew my card or anything else to acquire these ridiculous charges. When I call the customer service number all I get is a run around and hassle. No one once to do anything to resolve this issue and these charges and I am not paying for something on my limited income budget that I did not purchase or ask for and every month the bill goes up more and more on something I did not ask for or again purchase. And now there are threatening to send me to collections for these charges that again I did not purchase or ask for. My credit card was through Best Buy and financed through Citi Card. These companies both have lost my business and respect. Please help me with getting this situation resolved as this company is harassing me with bills and threats on charges I never should have acquired to begin with.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. 
I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. 
Therefore, I kindly petition that you update my credit report to reflect these corrections. 

I believe that you are required to conduct a sensible investigation into disputed items. I request that you look into these accounts promptly and make the essential corrections. 

ACCOUNTS : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies took longer then 30 days to investigate a matter I broughtvto their attention over 1year ago XXXX XXXX notified me of the results either They are reporting a negative and fraudulent account that doesn't belong to me They are reporting XXXX XXXX and this account does not belong to me
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months my credit report has been reporting inaccurate information across all three credit reporting agencies. Specifically the date of last activity, but there are several other pieces of information reporting incorrectly on these accounts. The FCRA clearly states that credit reporting agencies must report only accurate information and that banks rely on that accuracy as well as the consumer. It specifically states that information reported must be accurate, complete, and verifiable across all three bureaus. I have included screenshots of my credit report that clearly show reporting inaccuracies. These inaccuracies have been shown and disputed with the named credit reporting agencies several times and they willfully verified the accounts as accurate and did not change or update any of the inaccuracies in question. 

On XX/XX/2021 I sent a letter to XXXX, XXXX, and Equifax regarding the following accounts : XXXX XXXX Account # XXXX This account is reporting the wrong date of last activity as well as other information. 

On that day I also sent a letter to XXXX and Equifax regarding the following account : XXXX XXXX Account # XXXX This account is reporting the wrong date of last activity as well as other information. 

All of the credit reporting agencies named above verified the false information as accurate which is a violation of the law. This is willful non-compliance and negligence as well as false credit reporting. I know it is my right to sue in court for these violations and be compensated {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a matter of significant concern regarding an inaccurate negative entry on my credit report, which has yet to be resolved despite my previous attempts to address it.