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

I got a washer and dryer from XXXX on XX/XX/XXXX from sales woman XXXX XXXX It was suppose to have 0 % internet if paid in 12 months. I bought washer for {$1000.00} and dryer for {$1000.00} w 0 % for 12 months. Paperwork shows {$4200.00} financed w 31.65 % interest which was not told to me in store. Anotherdocument shows {$3100.00} amount financed which was sent to me by email by store after purchase date. The sales woman explained to me the 0 % interwtst as she held tablet she was reading from and then afterwards just had me initial all spaces that needed my signature. When appliances were delivered there was an issue with the new dryer maiming noise so they took it back and brought me another one same day. I was told the washer I purchased was not in stock and would take several weeks to get it ; however, the delivery men brought in a washer. I asked if they were sure it was my washer as I was told by 2 people in XXXX they it had to be ordered. They said it was my washer but it was the floor model. They went ahead and set it up and informed me if had problems to contact store. I started a cycle in washer after men left and it would drain the water. I called and spoke to supervisor on duty at XXXX and advised that I was not buying a floor model at regular cost but in addition this one had problems so they needed to come and pick up both appliances and cancel my contract as I had 24 hours to do so. He stayed I would have to take it back. I said no its not my responsibility since you sold me faulty and not new appliances and that he would need to pick it up. I had no way to load the heavy appliances nor pickup truck. I advised I did not want any appliances from them after being treated the way I was. A week passed and bo one came. I made several calls but got the response that I had to take back. This went on for months of me setting on hold to only get reps whom couldnt help. I even offered at one point to settle for paying less and the supervisor never got back to me with an amount. Then in XX/XX/XXXX I get a letter stating they are suing me for price of original appliances plus all interest added for total of {$4800.00} from XXXX XXXX XXXX, XXXX. I disputed the charges with XXXX XXXX County on XX/XX/XXXX advising it was not my debt and attached all documentation. The Cause No was XXXX. I received letter dated XXXX XXXX where a continuance was granted to plaintiff. Then letter dated XX/XX/XXXX stating that plaintiff Motion for Nonsuit without Prejudice granted by judge. My credit report shows XXXX currently as a charge off for {$4300.00} as bad debt and status now states closed with no payment history. It had a negative impact on my score so I I disputed with transunion stating that it should state disputed and amount were incorrect that were reported. They responded that it has been updated and now score dropped XXXX points. dismissed without prejudice. XXXX has reported on credit report as a charge off for bad debt and no payment history for {$4300.00} and now states closed which is still incorrect.
Product: Credit reporting

There has been a derogatory remark that has reappeared on my credit report
Product: Credit card or prepaid card

I have continued to be a victim of identity theft with Best Buy. I do not shop there, i have not purchased anything from this store in many years. Yet, this is another time someone has used my identity to charge items using my name. I have called Best Buy, and Citi bank recently for this new acct that appears to be in my name. I keep telling them it isn't me, and i don't shop there, to cease and desist. I filed a dispute with the credit bureau a couple mos ago too. The amount is now {$1100.00} not resolved. I asked them why they did not close anything with my name after the past id theft? I never will shop there!! I have been so upset over this company, and it has caused me too much ongoing stress. Please help me permantley resolve this Best Buy nightmare! I do not like this affecting my credit rating, as it is not my purchases!! ThankYou
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 My account was frozen by the company because a check was returned. When the company froze my accounts, they also closed my access to pay my credit card online. I am XXXX XXXX XXXX and have no access to get to a Navy Federal. So I asked for the company to close my account in XX/XX/2022 since my credit was being destroyed for no access and no option to pay but in a branch. The credit card account I asked to close was a secured credit card that I paid in advance {$500.00} to hold in a savings account. I asked the company to use the savings account to pay the balance of the secured card and close the account so I am no longer affected, however, the company left the balance on my card, My savings account is still open with an active {$500.00} balance, and my credit is being destroyed. On XXXX XXXX, 2022, I received a report my account is XXXX days past due when in fact I thought the company rectified the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule,  XXXX  proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.
Product: Bank account or service

i am a bank of america costomer. this bank keep transfer my money from savinngs to checking out of my agreement .first time the transfer XXXX, and the say is overdraff was the one transfer the money .and letter the XXXX desapear from my account few monmths letter the same thing happem XXXX .l trast times is happem .i when back tack out all my money from my account because if i leffet any mony on my account with desapear, also is a lot not aoutorize transation on my checking account .the total lost is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} XXXX  XXXX Balance : {$32.00}
Product: Credit reporting or other personal consumer reports

I am refilling this complaint to EXPERIAN with report number XXXX for allowing fraudulent account and unauthorized inquiry on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account and unauthorized inquiry are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Student loan

I would like to file a complaint against XXXX College and Navient. I feel like the loan company is working hand and hand with XXXX College to scam people. I was tried to apply for college and was told I could not go because I was a minor. I was under XXXX years old. My mother is deceased and the school told me they had to get information from my dad. I do not know where or who my father his all I knew was his name. I am still unsure how I was able to get enrolled in the college. 
I do not understand how I was charged the tuition I have or the charges. I took out 2 loans. I was told if I continued my education that I would get XXXX from the school. Which I never received. The school is charging all kind of fees, that people are not a ware of. I called the school today around XXXX XXXX and spoke with XXXX. He told me to email the school to receive a print out of all of my charges. Why do I owe the school money and Navient.
Product: Mortgage

To whom it may concern, Summary : I believe that we are suffering collateral damage as a result of our mortgage being sold. The new mortgage servicer, Lakeview Loan Servicing, said they will not allow us to cancel PMI for at least two years. Our original loan company, XXXX XXXX, stated we could cancel in as early as one year. I believe the discrepancy is due to conflicting interpretations of the definition of " Good Payment History '' in relation to the Homeowners Protection Act of 1988. 

Details : In XX/XX/2019, we were working through the loan application process with XXXX XXXX at XXXX XXXX. At the time, she told us that we could remove PMI in as early as a year with an appraisal as long as we've had good payment history and are at 20 % equity. Per our final contract, we are subject to the Homeowners Protection Act of 1988, which has the following definition of good payment history : [ The term good payment history means, with respect to a mortgagor, that the mortgagor has not ( A ) made a mortgage payment that was 60 days or longer past due during the 12-month period beginning 24 months before the later of ( i ) the date on which the mortgage reaches the cancellation date, or ( ii ) the date that the mortgagor submits a request for cancellation under section 4902 ( a ) ( 1 ) of this title ; or ( B ) made a mortgage payment that was 30 days or longer past due during the 12-month period preceding the later of ( i ) the date on which the mortgage reaches the cancellation date, or ( ii ) the date that the mortgagor submits a request for cancellation under section 4902 ( a ) ( 1 ) of this title ] We will achieve " good payment status '' after 12 months according to section B of this definition, which matches the statement made by XXXX XXXX on behalf of XXXX XXXX. 

I submitted an inquiry to Lakeview Loan Servicing on XX/XX/2019 about removing PMI. I did not expect to have it removed at this time, as I knew we did not have 1 year of good payments, but I wanted to verify that the lump sum we put onto our principal balance would be enough to get us to 20 % equity. I received a letter from Lakeview Loan Servicing on XX/XX/2019 ( dated XX/XX/2019 ) stating that we did not meet the LTV requirements to have PMI cancelled. Another representative from that company had confirmed that we were above 20 % equity, so I called Lakeview Loan Servicing on XX/XX/2019 to inquire further. 

I spoke to XXXX, the customer service representative, who told me that ( contrary to the letter we received ) the actual reason the request was denied was because we did not fulfill the " good payment status '' requirement of 2 years. I asked if there was any way we could have the PMI removed after 1 year and she said no. I told her that contradicted what our original loan company said, and she said that we still would need to wait 2 years to remove the PMI. 

I believe that we are entitled to having PMI removed after 12 months of timely payments provided we meet all other requirements per the Homeowners Protection Act of 1988.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account balance has been paid in full for over a month and the account has not been used. Still, the account is being reported as 120 days delinquent when that is not accurate.
Product: Checking or savings account

XXXX sent me a check for {$25.00} which was sent to an old address and then turned over to the state of Texas 's unclaimed property program. I do not have the required account documents to claim the check directly from the state of Texas.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please act immediately to remove the unauthorized inquiries from my credit report. They were not sanctioned by me and are causing me significant concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately since THERE WAS NO ORIGINAL DOCUMENTATION PROVIDED TO VERIFY THE ACCOUNT. THE ACCOUNTS ARE INACCURATE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I've spoken with Navient multiple times about rectifying my account. The interest rate on all of my loans are are 6.8 or higher ; thus, my payments and amount owed rises by the day. In past times, Navient was not forthright about information concerning deferment and forbearance and what it would do to my account. I initially took out XXXX and now I owe XXXX and I just graduated in 2013. How did I jump XXXX over five years? Additionally, I am paying {$500.00} a month and it's not putting a dent in the overall amount at all. Navient has greedy/sneaky tenancies and that behavior is unacceptable. When I try to communicate with them about my concerns, they give me a vague answer, and never really assess my account or address the issues I have. I know something isn't right with my account and I feel stuck.
Product: Checking or savings account

I have a checking account with Citi bank. The bank has been charging me XXXX XXXX monthly fee. When I called the bank last year in XXXX they said if I have {$500.00} minimum deposit in the account then there will be no fee. 

I deposited {$500.00} last year and bank has been deducting {$12.00} per month from my account. When I called the Customer relations officer they said bank will not charge any fee due to Covid till XX/XX/2021 restrictions. 

Still bank deducted {$12.00} per month from XXXX to XXXX XXXX.I have a Citi bank credit card. I also linked my family bank account with my account. 

Still bank deducted {$12.00} per month even after saying no fee will be duducted due to Covid till XX/XX/2021.
Product: Debt collection

On XXXX XXXX I sent out a certified mail letter to NCB Management Services. To validate an debt they claim I owe. the US postal tracking number is : XXXX XXXX XXXX XXXX XXXX. The letter states the following. " Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. '' Also. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Under 15 U.S. Code 1692g - Validation of debts. I have submitted a copy of the Certified letter I sent and a copy of my Identity theft report and a receipt from the US postal service showing delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ {$150000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Date OpenedXXXX Balance Owed : {$1800.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$18000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information linked to my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I am a victim of identity theft and have promptly reported this incident. It is crucial to address this matter promptly, as it has severely impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, we received a FRAUD ALERT FROM XXXX XXXX XXXX concerning IDENTITY THEFT involving XXXX  XXXX  in the amount of {$5500.00}. 

We immediately telephoned XXXX XXXX to dispute the FRAUD and notify them of the IDENTITY THEFT. During a long call with their representative, XXXX, we were told that the account had not been funded and he still had time to cancel it due to the IDENTITY THEFT and FRAUD. XXXX exact words were The good thing is it hasnt been used yet. ( It was ) set up on the XXXX ( of XXXX ). 

He also told us that XXXX XXXX had sent a promotional mailer to our old address at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX and that it had been completed, signed and mailed back with a forged signature. He also stated that my personal financial information was included in that application. 

My personal financial information could have only been provided to the new tenants by our former property manager, XXXX XXXX of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX or ILLEGALLY obtained by XXXX XXXX XXXX ( the new occupant at our old address ) through XXXX XXXX XXXX Schools where she is also employed. 

XXXX told us that he would send us a copy of the fraudulent application, yet after 5 months, he has still failed to do so. Instead of doing what he promised, he did send us an electronic version of the FRAUDULENT APPLICATION which stated that the purpose of the loan was home improvements. This would be impossible for us as we rent our home and DO NOT OWN ANY HOME. On the bottom of that electronic copy is the statement XXXX XXXX XXXX The customers date of birth or ID data did not match gAuthenticate data yet they processed the fraudulent loan anyway. So much for due diligence on the part of this negligent company, XXXX XXXX 

XXXX also asked us to file a police report with our local sheriff, file an FTC IDENTITY THEFT report and provide XXXX XXXXXXXX with copies of those along with a copy of my Florida Driver License which we did via U.S. Mail. 

While we had this discussion with XXXX at XXXX XXXX 5 months ago and we provided every bit of documentation requested, XXXX XXXX went ahead and funded that FRAUDULENT LOAN to the IDENTITY THIEVES anyway. 

This FRAUDULENT ACCOUNT and XXXX XXXX FRAUDULENT REPORTING of it to Equifax, XXXX and XXXX have cause my credit scores to drop with each bureau anywhere from 100 to 150 points each and these scores continue to plummet due solely to XXXX XXXX NEGLIGENCE.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consume report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy along with. I demand the removal of these accounts!
Product: Credit reporting or other personal consumer reports

I disputed the length of time an item is supposed to remain on my credit report. Each time I filed a dispute, the items date changed, extending the reporting period. Experian, XXXX, and XXXX all show different dates for the same items ( XXXX XXXX XXXX XXXXXXXX XXXX and XXXX ). The length of time an item remains on my report is based on the Date of First Delinquency ( DOFD ), which should not change. In this case, illegal re-aging is a violations of my consumer rights.
Product: Debt collection

The amount that the collection agency claims i owe is more than what is actually owed ... .and they are trying to collect on a much higher amount.