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

My graduation conferral date presented to me by my university ( XXXX XXXX University ) was XX/XX/XXXX. I knew that a grace period is granted after graduation to being repayment of the loan. On XX/XX/XXXX I logged on to the XXXX portal to make the first payment on my student loans only to find that it said my account was past due {$370.00}. I immediately made payment of this amount, then XXXX reported to my credit report that I was 90-119 past due on my payment. I wanted to dispute this late payment report from my credit.
Product: Checking or savings account

Around XXXX  months ago ( i dont have the specific date since i have been logged out of my account ) I tried to withdrawl some money from my robinhood individual account. It asked me to verify my identity with a selfie, but it would say error everytime. After a few tries my account was glitched and it would say error everytime i tried to verify to withdrawl. I contacted robinhood support and they sent me a ID verfication process where i would take a picture of my ID and a selfie. It would say error everytime, and when i contacted robinhood support again after this all they said was better lighting. I can guarantee it was 100 % good lighting and good angles. I contacted them multiple times and they couldnt help. I wanted to deactivate my account hoping to get my money back atleast, but it needed me to verify my identity ( which would of course say " error '' ). So i havent been able to do anything. I recently contacted them XXXX final time since i had emailed them and no one had gotten back to me, and i was sent a email of my account being deactivated and i am logged out my account. When i try to log back into my account, it asks for the identity verifcation. So right now i cant do anything with my account and my money is still in that account. Around XXXX. Each time i have reached out, i get contacted by a member saying they will get back to me which they never have yet on multiple occasions.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX I saw some hard inquiries that did not have permissible purpose. i also attached evidence 1. XXXX XXXX XXXXXXXX XXXX  This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXXXXXX XXXXXXXX XXXX This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 3XXXX XXXX XXXX XXXX XXXX  This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX is not the creditor. There is NO dealer assignment and no contract that I signed between XXXX and me at any time. Truth in Lending Act 15 U.S.C. 1641 ( a ) provides a Federal cause of action by borrowers against creditors who fail to make the disclosures required by its provisions to assignee. There is no such document that I signed with XXXX. On the face of the contract, it should say " seller '' ( dealer ) assigns its interest in this contract to : XXXX. There is nothing. It should also say Assignment to : XXXX. It does not say anything., there is no such contract or assignment between XXXX and me. The dealer is leegally and contractually the creditor not XXXX on this sales contract. XXXX is to DELETE immediately this false entry from all my credit reports. These are violations of TILA, FCRA/FDCRA and many more. Deceptive business practices and consumer fraud.
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. 

Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX  XXXX Account XXXX has violated my rights. Or a 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 card or prepaid card

Starting in XXXX of 2021, somebody started stealing my rewards points on my Barclays - XXXX Card. XXXX Card reinstated some of the stolen points but then stopped without explanation. The fraud continued over several months and Luxury Card made little to no effort to combat the fraud. They told me several times they would reinstate all stolen rewards points " within 30 days ''. My points are still not reinstated after months of phone calls. I have done all that is requested of XXXX Card, including changing my card number, user name, passcode and verbal passcode but are still getting the run around. I am asking for CFPB assistance in getting my XXXX stolen reward points reinstated immediately.
Product: Money transfer, virtual currency, or money service

Hello I am writing in regards to PayPal and there terms on holds on my funds, and upon trying to contact them about such money they refuse to allow telephone contact do to covid 19 even though upon leaving a message online they ask for me to contact them by phone, and then when calling they say no is available to accept calls any longer. I had 72 sent to me for sense XXXX which they canceled the payment once so I had to wait and extra 21 days which made it a total of 62 days and then they suspended my accoubt after many emails back and forth receiving a different answer each time, I was informed that I could jow transfer my funds or I caN purchase online items with my PayPal they asked for identification I sent it they then suspended my account not b allowing me to do so stating they can now hold my money for 180 days and what gets me that is against my rights as the money is mine and they are withholding it with my credit cards and bank account in PayPal refusing to allow me to remove them and close my a count ASAP leaving my account to have security issues ... I be damned if this continues someone needs to do something with Paypal they are not paying interest and they are holding my money as if it is a CD or something please help?
Product: Mortgage

During COVID, we had very little to no income. We discussed this on repeated occasions to our prior mortgage company ( XXXX XXXX and/or XXXX ) and to the current, SN Servicing Company .

Our prior mortgage company had mentioned that we could have our payments go to the back of the loan, which we were in the process of that ; however, without any notice, our loan was sold to SN Servicing Company. 
No explanation about our account and/or the discussions that we had been discussing, SN Servicing claimed that they knew nothing about it. 
NOTE : We were paying our mortgage at the time when they sold us. One day I was paying the old company, then without any notice, they deactivated us and we were left on our own trying to find out what was going on. We did not want to be delinquent. 
Some time later ( a few months ), we finally received communications from SN Servicing saying that they had taken over the loan and that we owed them approximately $ XXXX. 
They had some rude guy on our account who demanded that we pay it immediately and claimed that since he had no knowledge of our previous communications with our previous lender ; it was irrelevant to him. He even hung up on us a few times alleging on the call that we were getting " abusive '' further delaying setting up payments ; getting us activated on their system ; etc. Although, we finally did get set up eventually. But SNSC dragged in responding to repeated requests. 
In XXXX this year, we finally spoke to XXXX XXXX. We started over and explained everything all over again for the millionth time and last we left it was she was going to discuss our issue internally along with she sent us information to apply for assistance. When my husband did the application, he did not do it correctly and we were denied. He reached back out to XXXX to tell her and asked what needed to be done to correct it and redo the application. To date, she has not responded to him despite NUMEROUS messages to no avail.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX XXXX ACCT # XXXX
Product: Checking or savings account

I currently bank with Chase Bank. On XX/XX/XXXX I was notified through my Chase Mobile app that my checking account was overdrawn 5,000 dollars. I contacted Chase customer service to find out why. I was informed by customer service that a check that was written to me i deposited to my chase account through my chase Mobile app on XX/XX/XXXX was cashed a second time by someone else on XX/XX/XXXX. I then go inside the Chase Bank and was able to speak to a branch manager by the name of XXXX XXXX. I explained to him that the second check was fraud and that the check has to have been stolen from me. He informed me that there was nothing he could do. The only information he gave me was that the check was cashed at a XXXX Bank. I filed an police report on this incident and nothing was done due to me not have any information about who cashed the check the second time on the XXXX of XXXX. I'm having a very hard time fingers out who committed fraud on my account. I tried contacting the person who wrote the check to me, He then contacted his bank XXXX XXXX Bank to find out if they could get any information about who cashed the check the second time and it was unsuccessful. I will like to file an complaint against all 3 banks. Chase Bank, XXXX XXXX Bank and XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a minor child damaged a gas line that was incorrectly installed on a property that I was renting. The utility company repaired the line. The utility company demanded that I pay for repairs. I refused because the gas line was incorrectly installed and because I did not damage the line. The utility company referred their alleged tort to a collection agency. The collection agency sued me in small claims court. The court dismissed the case because in Oregon a plaintiff must sue the responsible party ( the minor ) and then add the parent as a defendant if the child 's actions were " intentional '' or " willfully negligent '' ( ORE 30.765 ( 3 ) ). 

On XX/XX/XXXX, the judge ruled in my favor, dismissed the case on the grounds that the collection agency failed to name the child as a defendant, and instructed the collection agency to pay my court costs. As of today, the collection company still has not paid the court costs. Instead, the collection agency falsely reported the alleged tort as an unpaid debt to the consumer credit reporting agencies. My credit score dropped. My interest rates went up. I have been unable to purchase a home or to get a business loan as a result. 

I consulted several lawyers who all confirmed that an alleged tort does not qualify as a " claim '' under Oregon law ( ORS 697.005 ) and that collection agencies can not solicit a claim for any amount that does not meet that definition. 

In a XX/XX/XXXX letter to me, the utility company 's claims manager acknowledged that the matter is not a " claim '' but rather a tort and and defined a tort as " a wrongful act, not including a breach of a contract or trust, that results in injury to another 's person, property, reputation, or the like .... '' in his letter. 

Through much correspondence, I warned the collection agency and its lawyer that the Fair Credit Reporting Act 's Section 1681o grants actual damages, lawyer 's fees, court costs, and punitive damages to consumers when a collection agency willfully reports false information. 

Still, they continue to report the item as an uncollected debt. 

I have requested that XXXX, XXXX, and XXXX remove the item from my credit report three times, most recently today.
Product: Checking or savings account

Hello, My name is XXXX XXXX. Over the weekend of XXXX/2022, My phone was stolen when I went to a party and my account was drained via multiple cash sending apps such as XXXX and XXXX XXXX. I called and disputed all of this, after 9 days I got a letter saying it was declined because I logged into the app on the XXXX and XXXX. This is because my money was taken on the XXXX. Wells Fargo has allowed someone to steal my money and is not returning it. I want this fixed, I have hired a lawyer and am now coming to you guys for help. Please help me get my money back.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and identified several inaccuracies that require immediate attention : 1. Duvera Billing Service has reported incorrect close dates on XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). Additionally, different account numbers ( XXXX, XXXX ) and varying last activity dates ( XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX ) are noted. 

Under the Fair Credit Reporting Act, I request an immediate investigation into these discrepancies and the removal of any inaccurate information from my credit report. I expect that you will verify these items with the respective creditors responsible for their submission. Please promptly delete any information that can not be verified by the creditor. 

As mandated by 15 U.S.C. Section 1681i ( a ), I understand that you must complete this investigation within 30 days of receiving this notice. Upon completion, kindly provide me with an updated copy of my credit report at the address provided below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX what account number are you reporting to the three credit reporting agencies? 
You are reporting to XXXX an account starting with # XXXX. For XXXX and Experian you are reporting an account starting with # XXXX. Hat is the Correct Account number for my student loans? See XXXX  report and XXXX account history. 

XXXX, which is the correct XXXX account you are supposed to reporting to the three credit reporting agencies? Are you reporting on an account that is not mine? 

Please fix this incorrect and inaccurate data asap. XXXX, You are violation of the FCRA!!!! 

XXXX, Experian, and XXXX is in violation of the FCRA by knowingly perpetuating XXXX 's incorrect data.
Product: Debt collection

Block and remove the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within XXXX business days ; otherwise, delete the information. I do not consent to XXXX or automated verification. I demand swift resolution to this matter. XXXX XXXX AUTO XXXX XXXX Date Opened : XX/XX/2020 Balance : XXXX. Please delete this fraudulent account ASAP.
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion failed to conduct a reasonable investigation and in a timely manner when i disputed the information. 
1. Date of Last Activity according to TransUnion is XX/XX/XXXX and according to XXXX is XX/XX/XXXX furnishing inaccurate, unauthorized and incorrect information. 
2. Date Opened according to TransUnion was XX/XX/XXXX and according to XXXX XX/XX/XXXX again furnishing inaccurate, unauthorized and incorrect information. 
3.Account Charged off as bad debt Dispute resolved ; reported by grantor whereas Account was in dispute- now resolved - reported by subscriber.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update the inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX Late Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. I requested XXXX and XXXX  to provide me with copies of the documents that they have in their files as of XX/XX/2020 that they used to verify the accuracy of the disputed account in the amount of {$8000.00}. The companies then sent me my credit report. However no evidence of the account being accurate was not recieved.This account does not show on my Equifax and is inaccurate.
Product: Student loan

I keep requesting that Citibank remove my co-signer as I have met all requirements and do not want to pay off student loans until they are in my name alone to get the full benefit on my FICO score and credit history. In addition I have been paying these loans for more than seven years straight and on time. There is NO form for me to fill out to request my co-signer be removed anywhere on Citibank or it 's affiliated sites and they keep changing the terms of my loan contract. This is outright fraud and I will seek legal action against Citibank as a result. They have failed to validate the loans as is my right and will not show where they were disbursed and demanded I prove who I was when I logged in and found another person was applying for a student loan with my social security number in 2006! I was not allowed to cancel the process under threat of a lawsuit by Citibank and am ready to sue. I ca n't find out if the loans I 'm paying for are even MY loans! This is fraud! I will be filing a complaint EVERY 30 DAYS until this is resolved and will find a lawyer to SUE this company run by crooks! I will be filing complaints against XXXX, XXXX XXXX XXXX XXXX, and Citibank for this EVERY month until something is done. Even after I file a lawsuit I will continue to complain since what they are doing is out of blatant disregard of a contract that resembles nothing at all of what I had signed. I am sick of being cursed at by representatives on the phone, lied to, denied my XXXX from XXXX and more. These group of criminals have been already found guilty of fraud concerning what I have stated above and yet they are allowed to continue to break the law and the contract. I make more money at a stable job and meet the first agreed upon requirements for several years now. The fact that they do NOT have a co-signer release form anywhere on their sites or affiliate web sites further proves they never had any intent of releasing any co-signer. This is n't just misleading a student it 's outright fraud on a contract.
Product: Mortgage

I AM IN A VICIOUS CYCLE WITH SHELLPOINT MORTGAGE SERVICING. I HAVE APPLIED FOR MORTGAGE ASSISTANCE MANY TIMES. EACH TIME I SEND THE SERVICER EACH DOCUMENT THAT IS REQUESTED. I FOLLOW-UP WITH THE SERVICER WEEKLY FOR STATUS. AFTER ABOUT 30 DAYS, I RECEIVE A LETTER ADVISING ME TO SEND ALL DOCUMENTS AGAIN AND COMPLETE ANOTHER APPLICATION. THIS HAS HAPPENED MORE THAN ONCE. THERE HAS BEEN NO WRITTEN DECISION - RATHER JUST AN INVITATION TO SHORT-SELL MY PROPERTY. SHELLPOINT IS NOT REALLY INTERESTED IN PROVIDING MORTGAGE ASSISTANCE. SHELLPOINT PREFERS TO HAVE HOMEOWNERS PROVIDE PAPERWORK OVER & OVER IN HOPES THAT HOMEOWNERS WOULD GIVE UP..
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a collection in the amount of {$14000.00} on the XXXX  XXXX  partial account number XXXX. ( Please see page 5 of the attached credit report. ) The original creditor is XXXX XXXX and this debt was released to XXXX XXXX XXXX XXXX XXXX ( Please see the attached letter dated XX/XX/2019. ) I am making payments on this account directly to the attorney of record. ( Attached is an accounting of payments made to date. ) I contacted XXXX XXXX and spoke to a representative requesting they contact the ( 2 ) bureaus to have this line item removed from my credit report. This account has been sent to collection and XXXX XXXX XXXX, XXXX hold the note. Therefore, XXXX XXXX needs to update the information on my credit report and accurately report that this account balance is zero and this debt has been released. Reporting a collection that has been released with a XXXX  balance is illegal and this incorrect reporting is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account XXXX XXXX  XXXX has violate my rights XXXX u.s XXXX XXXX XXXX a.states i hace the rights to privacy XXXX XXXX XXXX XXXX XXXX : it also States a costumer reporting agency can not furnisha account whiout my written instruccions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a {$510.00} debt being collected from a company name XXXX XXXX located in XXXX, VA. I sent a certified letter to XXXX XXXX on XX/XX/2020 to validate the debt within 30 days in which they failed to do so as well as another on XX/XX/2020. I then sent another certified letter on XX/XX/2020 advising they failed to validate this debt of {$510.00}. I also sent debt validation letters to XXXX, XXXX  and Transunion on same dates and they failed to send any validation of debt. 

I called the XXXX XXXX on XX/XX/2020 around XXXX at XXXX in regards to the validation of debt and I spoke with XXXX XXXX and she stated they did received my letters however due to the 2nd letter sent on XX/XX/2020 she was unable to provide any debt validation. I asked her why are they still collecting on a debt that was not properly validated within the 30 days of the XX/XX/2020 and XX/XX/2020 she could not give me a direct answer. She stated I had to email her manager or supervisor XXXX XXXX. 

The FCRA requires XXXX XXXX or any other debt collector to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX the government is responsible for all debts. I am not responsible or willing to volunteer as a debtor. These are injuries to me and are actually claimable by remedy and redress. All i ask is to remove it from my credit report completely and permanently. U.S.C. 15 sec 1681 Discover Bank " credit '' Account ending in ( XXXX )
Product: Debt collection

XXXX apartments was contacted regarding placing my name and information to this debt. I have no agreement with this company. I spoke with XXXX of property, XXXX. 
XXXX informed me that this was an error and company would remove. It is not cleared up and is being reported on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX credit card is reporting # XXXX ..... 

to XXXX last payment to a credit card in the amount of {$740.00} last payment date to a card not mine on XXXX and reporting to Eqifax last payment date to the same card {$740.00} on a completly different date of XXXX and XXXX delete it off my report completyl and i want this deleted off all my credit reports asap...