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

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint ( complaint # XXXX ) on XX/XX/23 on Experian. My complaint was closed and marked as a duplicate on XX/XX/23. This is NOT true. This is not a duplicate. If you would have actually read the complaint, you would know this... 

Here is another copy of the previous complaint : I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). Because the list of accounts below are not accurate. The account status, date opened, high credit, credit limit, last reported, date last active and date of last payment are NOT 100 % accurate. See pages 16, 17, 18, 19, 22, 23, 24, 25, 25, 27 of the attached credit report as evidence. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX This item should no longer appear on my reports as it is too old. XXXX Account Number : XXXX XXXX  Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.

A proper investigation was NOT completed. If it were, then ALL of the information from ALL 3 credit reporting agencies would be complete and accurate.

You now have 15 days to do as I ask. I've already consulted an attorney. You are reporting inaccurate items and I want them deleted NOW!!!
Product: Credit card or prepaid card

I sent payment of {$75.00} before the due date they have not received it. I sent it through Wells Fargo Bill Pay I sent a request they inquire about the payment. XXXX XXXX calls me every other day reguarding payment I informed them that I have asked Wells Fargo to investigate. I have even sent XXXX XXXX the case number. But they keep calling asking the same questions 1 ) my phone number, address, and about payment they keep saying they will make a note but they keep call asking the same questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the account XXXX XXXX  remove from my Experian credit file. I have ask them to remove this item because it is FRAUD, I have sent them the FTC report and police report but they refuse to remove it. Pursuant to 18 USC8, this company is violating my consumer right to privacy, pursuant to 15 USC 1681b2
Product: Debt collection

The original creditor was Citibank. Citibank no longer has any record my debt. It seems like XXXX XXXX XXXX XXXX XXXX took over the debt and is trying collect the original debt on my Citibank creditcard. I have made several attempts to settle this debt because it is very stressful on my family and I and is affecting my household in very negative way. Im being blamed as not being a good provider for my family. We have gone to marriage counseling. I pray a lot about this dilemma. It just doesnt go away.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX. XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Student loan

1. ) When I tried to recertify my IDR while unemployed last year, they canceled my application and lowered my payment to {$2.00} instead of the {$0.00} I paid in previous periods of unemployment. Later when I called, I found out they had canceled my IDR certification claiming it was a duplicate and that's why I owed {$2.00}. 
2. ) I was in school at college from XX/XX/XXXX to present. At first my loans were on in school deferment, but in XX/XX/XXXX Mohela took them off deferment claiming my school needed to certify half time enrollment. They also showed me as suddenly owing interest on the subsidized loans that had been in deferment, and they sent me a message in their portal saying my in school deferment from the school had been denied. I called and messaged Mohela multiple times since XX/XX/XXXX, and my school submitted the requested form from studentaid.gov. Mohela sent me another message saying my in school deferment had been denied and failed to answer my previous complaint messages asking about this. 
3. ) I also had asked them to correct missing payment counts for PSLF on my 2 consolidated loans. That was not done and I have not received a response after multiple messages I sent. 
4. ) in XX/XX/XXXX, I paid back the 2 loans disbursed XX/XX/XXXX. Mohela emailed 2 letters that they were paid in full and removed the loans from my account. In XX/XX/XXXX, they put the loans back on my account and added interest to to the unsubsized loan. 
5. ) In XX/XX/XXXX, my school disbursed 2 new loans to me to be serviced through mohela. Neither loan is reflected in my account on Mohela, but the 2 previous higher loans that I had already paid in full were added back on Mohela 's site instead.
Product: Credit reporting or other personal consumer reports

I paid off my Credit Card in full. Apparently, there has been a {$2.00} fee charged that I wasnt aware off and then received a late fee. Called XXXX  XXXX  and had all the charges taken off because I already paid my card in full. Next month, automatic {$1.00} fee and late fee. This happened 3 times ( so XXXX late fees and credit score way down ) until I was told that I need to pay that {$39.00} to really close my account and they will send me a check for {$39.00} to refund. Computer glitch. Still I have not received the check ( 2 months later ) and no one tried to fix the mess they made out of my credit score.
Product: Checking or savings account

Wells Fargo XXXX in XXXX XXXX XXXX on XXXX. 
Overdraft charges Close account for account fee that should been reversed. 
Said I would have to pay XXXX XXXX to reopen account Online customer service staff they would reverse transaction. 
They never did.
Product: Money transfer, virtual currency, or money service

I sent money to the wrong person on Zelle and i didnt ask me for verification or gave no warning. I lost {$600.00} and the bank did nothing to help me get the funds back.
Product: Debt collection

This collection is for an early termination fee for cell phone service from  XXXX   XXXX . First of all I have successfully disputed this debt several times and it was removed from my credit report. Then the  Debt collector sold the Debt to another Debt c ollection agency and it appears back on my credit report. The dates of the erroneous debt was falsified prior to being sold to the next Collection agency to make it appear as a recent and valid dated outstanding debt. This is actually a very old account and that in itself should warrant its removal. As to the original early termination fee charged by  XXXX   XXXX .  1  ) I was a long standing customer of  XXXX   XXXX  and was never late with a Paymen t 2 ) S ince had the service for a very long time I was no longer under contract with  XXXX   XXXX  therefore an early termination fee would not app ly. 3 ) I  contacted  XXXX   XXXX  in writing 30 days prior to terminating the service. I do not owe this money and I will never pay this invalid bill because I do not owe it. But it has taken up a huge amount of my time responding to the false charge. Please assist me in its removal. This negatively impact me in several ways. If this charge had appeared when I recently refinanced my house it would have resulted in a higher interest rate which would have affected me financially for years. This is a predatory collection. I understand its their business. But I have to work for my money and Im not giving it away for free. That would equate to letting them steal from me. That 's not happening. Thanks for your help.
Product: Credit card or prepaid card

I booked the hotel in XXXX, FL called XXXX XXXX XXXX through XXXX with Citi Bank credit card for the stay XXXX XXXX XXXX XXXX. Something came up here and there so we thought about delaying our vacation. We contacted XXXX/booking and they said they would cancel our reservation, and they email to tell the hotel to waive the cancelation fee and gave us full refund so we can book again for the later day. At that time i think it was normal because of covid policy maybe still in effect so i went ahead cancel my reservation on Wed XX/XX/2021. Next day i contacted the hotel XXXX XXXX XXXX, what they said was completelt different, they refused to give me the refund since i canceled in 3 days window or whatever, my cancelation fee is the whole charge of my stay XXXX XXXX I was very shocked, I then tell them that wasnt what XXXX said, i even worked with them by asking can you give me some credit so i can rebook in the future but they said no, the whole charge is the cancelation fee ( that i dont even know about ). Finally, i told them its ok can you just give me my room back, i will find something to do in XXXX then ... and guess what? they even denied to give me original room back also. They just robbed my XXXX $ right at me. I got hopeless and contact Citibank credit card, filed a dispute for the service that i never received. After investigating, Citi bank make me responsible for the charge, Citi bank dont even ask me for any evidence or document on my side, i feel like as long as the merchant respond to them, even the blank paper, then they reserve their temporary credit and left me hanging. Im still in shock for what happened. Citi bank supposed to protect their customers, I got denied to accomondate by the hotel, got charge {$730.00} for it. I never stayed at the hotel and Citibank just sit there and watch XXXX XXXX XXXX rob their customers. 
Im so XXXX. Can someone help me?
Product: Debt collection

I answered my phone, was asked my name and then read off my address to verify. It is illegal for a company to give out personal information like that, they are required to have my verify the information.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding LexisNexis for reporting incorrect names and addresses on my consumer file. Despite repeated attempts to correct the errors, LexisNexis continues to list inaccurate information, which has affected my credit and financial standing. This violates the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies maintain accurate information. I request that LexisNexis remove the incorrect entries and update my address to : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX and my name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I recently moved to a new home and using my online access through HuntingtonXXXX, I updated my bank accounts to this new address on XX/XX/year>. On XX/XX/year>, I enrolled online in XXXX so that I could submit a payment to a recipient in California. I received a message indicating my XXXX enrollment was successful, another email indicating I updated my XXXX recipient list, another email indicating my XXXX payment ( amount = {$1000.00} ) was sent and finally the last email that my XXXX payment failed. 

At this point I started receiving error messages while trying to access my account online so I called the general customer service number ( XXXX ) at Huntington. I spoke with a representative named " XXXX '' who told me that my account access was restricted because it was suspicious that I changed my home address and made a XXXX payment within a short period of time. He further stated the only way to removed the restriction was for me to visit a local branch. I told XXXX this was not possible as I now live in the XXXX, AZ area and the closest branch is 2,000 miles away. XXXX then said there was a branch in the XXXX, CO area that I could drive to that is closer than 2,000 miles. XXXX is approximately 850 miles from my new home and almost a 13 hour drive! He said there was nothing he could do as this was Huntington 's policy. 

I followed up with another call on XX/XX/year> and spoke with " XXXX '' and her supervison " XXXX. '' They both also said that my only option was to visit a Huntington branch location. 

I have now lost the ability to access all of my accounts at Huntington. This includes the ability make transfers, see account history and access bank statements to name just a few. Even though their system authenticates me by my mobile number when I call and asks for me to enter my secret PIN that I previously setup, they will not provide another option for me to unlock the restriction on my online access. They even sent a code to my mobile number for me to read back to them. 

I feel this unfair and abusive on Huntington 's part to restrict my access when I did nothing wrong on my part by engaging in normal activities ( updating address and engaging in an ecommerce transaction ). I am not able to drive 13 hours, nor should I have to, to unlock my online account access for transactions that I confirmed I made.
Product: Credit reporting or other personal consumer reports

I signed up with the business XX/XX/year>. Expecting a tradeline for bill history to be added to my credit reports with all 3 bureaus. By XX/XX/year> there was no tradeline history added to my credit profile on any bureau. I had consistent conversation through email requesting a response for why my tradeline was not being reported. I was getting the same response of it can take longer then expected. The advertised terms state it can take a month to be reported. There was no line reported after 3 months. The company states I requested a cancelation when there was never a email that stated to cancel the service. They just canceled it so they would not have to provide the service. However I still paid for two months of a service that was never rendered. I have complained to the company, XXXX XXXX the Attorney Generals Office, and Consumer finance. With no response being responded to besides consumer finance. I have tried to ask for my money back numerous times with warning of what will take place if I am not reimbursed for a service that was never provided. I have taken all proper procedure methods in order to obtain a settlement for my funds for that service with no success. This is my last attempt in requesting the funding back since services were not provided. All methods of communication will be used as evidence. There will be no stance to try to counter you all spending money because of me requesting my funds back. I have completed all correct measures to obtain my funds back and if you all will like to spend more money to try to fight the process for getting my money back for a service that was never rendered, then that will be your choice. You have been sent a letter from a Attorneys office stating the law in Arizona, where that service was bought and supposed to be provided, and your attorney did not contact the law office or myself as law is stated to do so. So with all this proof of communication I will proceed to claims. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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. 


In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # 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. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # 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. 



In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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. 



In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHYS XXXX Account # 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. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHYS XXXX Account # 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.
Product: Credit reporting or other personal consumer reports

I have reached out to TD Bank/Raymour and XXXX to have the lateness be removed from my account as I was not aware of the matter. I was out of work for months and I have a family friend used the card while promising to make payment which was not true. I eventually found a job where I made the payment in full which as of today, I owe XXXX dollars. I asked Raymour and XXXX  is there a way the two lateness can be remove where representatives continued to say that I have to reach out to the credit bureau. I have reached out to all three and they each say that Raymour and XXXX  is not being truthful as they made the reports. All I want is for the two lateness to be removed.
Product: Debt collection

XXXX reported an account for XXXX XXXX XXXX XXXX # XXXX but I stay in apartment XXXX. I moved here in XXXX. Ive had the same WiFi since Ive moved in. My identity was stolen when my car got broken into around XX/XX/year> if Im not mistaking. The collection amount is {$280.00}.
Product: Bank account or service

PNC Bank can not provide me my 2014 Tax Forms. " There is nobody in our call center that can help you. '' I have now talked with PNC Bank 3 times, where they state that they have submitted the request to change my address and send me my tax forms. As a result, my parents receive a " Password Change '' letter in the mail at their address, which has NOTHING to do with MY address or MY online information. When I talk with anybody from PNC Bank, they recite my OLD ADDRESS which I have changed 3 TIMES!!! Finally today I pushed to get on the phone with the manager 's manager, who put me in touch with the Retail Escalation team. This person was at least able to send me a form via email through a " loophole '' which shows my tax information, and has committed to calling me whenever she is able to get my address changed " in the system ''. Note that when I log into my account online, my address shows as updated, but somewhere in the tangled back-office systems of PNC Bank, my address will not update as expected. I have now also provided a hand-written note requesting my change of address, signed and dated as of today, for proof of my address change. What will be great is when my parents receive a change of address form sent to their home ... 
This is the most rediculous process I have ever been through, and I can not express how dissatisfied I am with PNC Bank. I will be doing everything in my power to get my auto-loan, Home Equity Line of Credit, and Checking Account CLOSED and moved to another bank as soon as possible.
Product: Credit card

In XX/XX/XXXX, after finding out that someone opened multiple credit cards in my name fraudulently, namely at issue, Bank Of America credit card account, in the amount of {$4300.00}. XX/XX/XXXX, I filed an FTC identity Theft report, FTC Report Number XXXX listing the account in question. I notified Bank of America, XXXX, XXXX, and XXXX that i am a victim of identity theft and sent them all copies of my FTC report. 

In violation of my rights under 15 USC 1681 s-2 ( B ) Bank of America continues to furnish inaccurate information about me to the consumer reporting agencies, and all three consumer reporting agencies continue to publish this inaccuracy on my credit report in violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have multiple inquiries on my report that i do not recognize credit XXXXXXXX bank XXXX XXXX XXXXXXXX bank XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists