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

I submitted a dispute to XXXX concerning the inaccurate credit limit for my XXXX account with Kikoff Lending. XXXX sent me a copy of the results of my dispute. The credit report sent to me, showed that the wrong credit limit was being reported by Kikoff Lending, or XXXX themselves. I emailed Kikoff Lending several times now with no response. Kikoff Lending has no phone number to call, so I sent Kikoff Lending, and XXXX the documentation proving that my credit limit was raised on XX/XX/. I called XXXX, and the agent said that Kikoff Lending submitted a report in response to my dispute, and that Kikoff Lending says that they are reporting the credit limit as accurate, which is untrue. I will be submitting documentation to you proving that the dispute to XXXX yielded inaccurate information. If you look at the " Historical Account Information '' from the report from XXXX, in the second box down for XX/XX/ entry it shows the correct amount, and then XXXX changed it back to the old credit limit. No other credit bureau is reporting inaccurate this credit limit wrong, just XXXX, who has a history of providing false information verbally and submitting false credit report information.
Product: Credit reporting, credit repair services, or other personal consumer reports

for number of years now I been request that Experian fix my personal information from my credit but the company failed to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to dispute some inaccurate items that's on my report since XX/XX/2022. The items that are still reporting on my credit profile are in direct violation of the FCRA and my issue still haven't been resolved. This on-going situation is causing me an unbearable amount of stress and the credit bureaus are leaving me no choice but to file for litigation. This complaint is also about my most recent letters I sent into the bureaus about verifying the information on XX/XX/2022. I have yet to hear a response 45 days later. Please help me resolve this issue.
Product: Checking or savings account

I opened an account online with Citibank on XX/XX/XXXX. I made a deposit to the account. When I called them in XX/XX/XXXX, I was told that they were sending me a letter in 7-10 business days. I waited for the letter and never got. I called back to inquire about the letter and was told that they have to re-send the letter with a reference number that is needed to service the account. Waited a month for the letter which never came so I called back again to be told the same thing. I have called every month for the past 6 months about this account and the letter that I never get. I called today ( XX/XX/XXXX ) and was told that they have to send this letter to me in order to help me with this account. I explained that Ive never gotten the letter and havent gotten it in 6 months. I requested to close the account and was told that they couldnt do that and they were going to end the call because they would probably be sending me a letter about the account. All of my calls are always routed to an XXXX country and when I asked to speak to someone in the US, I was transferred to another rep in the same country.
Product: Student loan

I was unable to pay my loans secondary to financial hardship. So every time I would call navient the first thing they told me was to forebear my loans. I was never informed that interest unpaid would be capitalized. I have been paying on my loans for 3 years now and yet my balance is higher then what it was when i graduated college. It is very misleading information when talking to representatives. They always tell you, if you cant make a payment to just file a forebearance and make the payments in a couple months when you have the money. What they dont tell you is that the interest you dont pay capitalizes and you end up paying 10x more the money in the long term. Navient has never offered me any other option into repaying my student loans. The least they could of told me was that i should still make some type of payment contributed to my loans.
Product: Credit card or prepaid card

My Apple Card with Goldman Sachs was restricted on XXXX I contracted support from the link and they had me reset my AppXXXX ID and said it would be fixed. It was not fixed. Contacted them again and said I need to call the customer service number. I called and they verified a charge I made that they thought could have been fraudulent. I confirmed the charge and they said it would be fixed. Still wasnt fixed. Contacted them again and was told my account was under review but could not get me a time frame for the review. I contacted them again and they removed the restriction. I used the card on XXXX and the card became restricted again. I contacted support and they said it would be removed, and gave me a new card number. I tried to use the card again but the account was still restricted. Contacted them on XXXX  was told it was removed and to wait 24 hrs as their system was slow at updating. XX/XX/ account still restricted, called again and was told a supervisor would contact me within 24 hours. No one ever contacted me. Called XX/XX/ and was first told there was a server error but a supervisor was working on getting the restriction off. After I sat on hold for XXXX min I was told my account was under review again. Its been XXXX weeks and I still cant use my card. I had the card setup for autopay and have had to change my accounts due to my charges being declined. Every time I contact them it takes 30-60 minutes of my time and Im getting a different story from each representative.
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, Account name : XXXX XXXX : # XXXX, Account name : XXXX XXXX : # XXXX, Account name : 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. 

15 U.S.C 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reporting 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 in accurate.
Product: Credit reporting or other personal consumer reports

i have been trying to resolve this issue with Transworld systems since XX/XX/XXXX when a tmobile collection hit my report. Unfortunately i never received a letter even stating i owed the debt but it suddenly appeared. I paid right away in full and well ... since then i have received the run around and false promises about the deletion / paid letter being mailed emailed or faxed. i have received nothing and am in the middle of a mortgage transaction. EVERY TIME I CALL XX/XX/XXXX XX/XX/XXXX XXXX XXXX i am told something different. From we dont fax letters to we do. From it wasnt mailed to it was. Everything is a shitshow over there
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/XXXX I was informed by Wells Fargo Refinance Department that even with a co-signer, they would not refinance my loan. On that call, they told me that I needed to contact the Foreclosure Department for more information about my account. I had begun that process on XX/XX/XXXX because our Wells corporate office contact had offered it as an alternative to foreclosure in a registered letter in XXXX. 
It was on that call on XX/XX/XXXX that I was informed that Wells had initiated their internal process of foreclosure last month, on XX/XX/XXXX while I was in the refinance process. 
Wells Fargo has sent me several XXXX XXXX packages this month, none of them contained a word about the foreclosure process. They did not supply me with information regarding a trustee to contact. Twice they sent me notices that they no longer were paying my property insurance - they have never paid property insurance for me. 
They negotiated in bad faith with me and my co-signer. The foreclosed without written notice. The again have put me, a XXXX woman through a pointless process, wasting my time to prepare my home for a sale in which I can make a profit. My home has over 600K in equity. It is this reason they are trying to foreclose without allowing me time to sell. They are intent on short selling my property out from under me and pocketing the profit. They want my profit and they refuse to work with 3rd party mortgage modification programs because I have equity.
Product: Debt collection

Our account with XXXX XXXX XXXX Hospitals and Clinics was turned over to a collection agency called XXXX XXXX XXXX. When we realized this information we tried to contact XXXX XXXX XXXX  Hospitals who would no longer work with us regarding our account. We missed payments due to my husband 's multiple hospitalizations in XX/XX/2017, XX/XX/2017, and XX/XX/2017. We also tried to make payment arrangements with the collection agency XXXX, but we could not afford the payment arrangements they offered us. We offered to continue payment with what we could afford, and XXXX refused our payment we offered and stated that we would " HAVE TO GET A SHORT TERM LOAN FROM ONE OF OUR BANKS OR FILE BANKRUPTCY. '' I don't understand how collection agencies and hospitals can treat people this way, especially when we are trying to make arrangements to pay whatever we are able to pay. It is not an option for us to take a short term loan. My husband is recovering from XXXX and a XXXX XXXX XXXX and has just returned to work after being on medical leave for more than 2 years. We simply do not have any extra money ( certainly not the $ 500- $ 600/month ) which was the only payment arrangement offered to us by XXXX . Why can't they work with us or change the terms of the collection? I have never experienced anything like this before. This is not right by the hospitals or the collection agencies. My family will pay our medical debt, but we need help and flexibility so we can still continue to live and take care of our family. These payments are not reasonable or we wouldn't be in collections to begin with.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX  for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX XXXX XXXX  has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy. 

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX XXXX XXXX  has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ). 
Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX HL # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past few months i have been disputed accounts are my report. I have not recieved any letters back about these disputes. NOTHING. I 've been sending letters sinceXX/XX/XXXX. No updates. Now i know these companies will reply that they need more time but they 've had MORE than enough time to investigate these disputes. Why are these companies not being held liable for violating consumer rights? The following accounts are reporting inaccurate and need to be removed asap or provide me with methods of verification. 
I have two repos. Neither of these companies have furnished me with a notice of redemption/reinstatement or a notice to sale. 
XXXX XXXX is reporting an inaccurate open date. 
XXXX XXXX is reporting an inaccurate balance. 
XXXX XXXX clearly this company has made a mistake. This account is not mines. I have never done business wth2 XXXX XXXX. 
XXXX XXXX this account is reporting inaccurately. 

It is my right to have EVERYTHING on my credit report reporting 100 % accurately. These credit bureaus have been ignoring my request. It is just disrespectful and a slap the face. These accounts need to be removed.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$2600.00} ; XXXX XXXX XXXX  Balance : {$32000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request an investigation from the Experian company for the violation of the laws, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. By Defamation, financial Injury. Protection under the FCRA, FCRA Section 623. Injury to your credit report and credit score, FCRA Section 604 ( A ) ( 3 ). The Credit bureaus, " Experian '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX Court Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX No. XXXX ). I gave them all the original information of the companies, Experian did not take my letters seriously and did not respond adequately to my claims, only responses by automated mail response systems. Experian refuse to correct information after being provided proof of inaccuracy. This is a violation of the " FCRA Section 623 '' law. As the FCRA and Experian do not respect the law and I have deleted the Claims- '' justifying that there is a duplication '' - that I write on your site, I sent a copy to the Attorney General of Florida to take over the violations of the FCRA and Experian. You have never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. the case of Child Support. Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information.
Product: Credit card

I opened a Secured Credit Builder Account with Chime on XX/XX/XXXX. This was in addition to the Checking and Savings Accounts I have with them. Every time I made a transaction, I would need to transfer money into the account first in order to use the account. On XX/XX/XXXX, deposits in the amount of {$190.00}, {$120.00}, were deposited from my Checking Account. On XX/XX/XXXX, {$60.00}, {$10.00}, and XXXX XXXX in the amount of {$2.00} were deposited. The charges were XX/XX/XXXX XXXX - - {$22.00}, - {$20.00}. On XX/XX/XXXX, - {$79.00} towards my classes, XXXX Convenience Store, XX/XX/XXXX - {$80.00} XXXX XXXX XXXX - {$10.00} Convenience, XX/XX/XXXX - - {$11.00} Convenience. On XX/XX/XXXX - - {$11.00} Convenience, - {$110.00} XXXX XXXXXXXX XXXX ( Not Authorized ), - {$10.00} XXXX. On XX/XX/XXXX, I was charged {$110.00}! On the statement, it shows only the charges from XX/XX/XXXX and it only shows the deposits of {$120.00} and {$190.00} = {$320.00}! This is in the deposit account and was not reflected as my available balance! In XXXX, deposits were taken from my direct deposits and put into the deposit account for the Secured Credit Builder Account, which was not authorized, in the amount ( according to their third statement for the same time ) + {$1300.00} ( {$320.00} + {$1000.00} ) and they charged the erroneous amount of XXXX which, as mentioned previously, I could not possibly owe. This continues into XXXX where {$1200.00} was charged for a secured account that I had to transfer money into for use. In XXXX, XXXX, it shows that the balance in the deposit account on XX/XX/XXXX was {$1200.00} ( should have been {$1300.00} ), plus an additional {$300.00} deposited. Then, they charged {$1200.00} ( that I did not owe ) with {$310.00} still in the deposit account. Their math is not even correct because it would have been {$300.00} that remained. So, the total I should not have been charged and is owed at this point is {$2900.00}. In XXXX, XXXX, a total of {$5000.00} was deposited into the deposit account without authorization, bringing the amount they owed at this point to {$8000.00}! I did not receive credit for refunds or errors/disputes they made either. This statement was changed multiple times and I have each statement. In XXXX, XXXX, I no longer was using this account and no new transactions took place. However, the statement claims that I spent {$1400.00}! The only activity that took place was my being refunded in the amount of {$980.00}, which should have actually been {$1200.00} for fraudulent XXXX charges which I won the dispute regarding. Furthermore, an additional {$1000.00} was charged to me on XX/XX/XXXX for a supposed balance of {$2300.00} ( on the third statement ). An additional {$76.00} was deposited into this account which is far less than what actually was and so that brings the total they owe to {$10000.00}! They charged me {$1400.00} on XX/XX/XXXX when absolutely no transactions were made. They went on to charge {$260.00} on XX/XX/XXXX when no transactions were made and {$59.00} on XX/XX/XXXX when again no transactions were made. {$10000.00} is the total they have fraudulently stolen from me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, and I've attached a copy of my report to this complaint of the following date XX/XX/year>, and I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

Chase credit card was opened up fraudulently in my name- Immediately closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that my credit score dropped 34 points and I did not do anything differently. The two open accounts I have are not late. My credit monitoring service says late payments. The only late payment was more than 6 months ago and at that time my score was lowered more than 50 points to prevent me from refinancing my home. Transunion is the principal offender, siding with big corporations and not advocating for consumers. Additionally Transunion refused to removed a XXXX unwarranted collection account from 2011. I am sure if I was born on the other side of the tracks I would not constantly be fighting these hurdles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : 1 XXXX XXXX XXXX XXXX XXXXXXXX Illinois XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting or other personal consumer reports

This is my request for a Investigation of any information on my delinquency or derogatory behavior. Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. It is my understanding that you will investigate these items for me, to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX  XXXX # XXXX