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

There are 2 unknown and unverifiable accounts reporting on my credit report. One of the accounts was removed in XXXX due to no verification. Another company, XXXX XXXX, has placed the same account on my credit profile with inaccurate open date that is false and fradulent. These clowns must be stopped. 

The credit bureaus have not provided verification proving either of these accounts are mine. 

I was also a victim of identity theft in XXXX. I have included the police report from that time. I have suspicion to believe the United Revenue Corp account is a result of this. As this account is unknown to me and has an open date reported for XXXX. 

I want both accounts deleted from my credit report.
Product: Student loan

Navient started harassing me about loan repayment within two months of losing my employment, demanding unreasonable repayment options. My father had been a co-signer on one loan and they harassed him so much that he ended up paying an offer of a third of the loan which overextended him and was extremely financially damaging to him. I had tried to explain to my dad that the loans were my responsibility and I would continue repayment when I was employed again, but the harassment was so intimidating to him that he gave in to their demands. Currently, Navient has tried to sue me twice even though I remain minimally employed ( 10 hrs a week XXXX ) and am having to start a new career track. Their suits were rejected by the courts without prejudice and they continue to offer me impossible partial payment plans, which I do not have the means to pay. I believe they acted unethically to my father, not allowing me the time to stabilize my own finances and harassed him into making a bad, unnecessary financial decision that was not truly his obligation. It has permanently damaged our relationship and compromised my parents retirement plans. We are not wealthy people in the first place, and as a former XXXX, I had believed that education is the road to overcoming the poverty cycle, but it is turning out to be just the opposite. Please help me to make Navient stop pursuing legal action against me, and I would like help having the payment my father made returned to him and place that future obligation back to me to resolve it in a more realistic fashion when I am able to do so. Can you help me?
Product: Vehicle loan or lease

I LEASED MY CAR ON XX/XX/XXXX AND MADE PAYMENTS UP TO XX/XX/XXXX WHEN MY VEHCILE WAS INVOLVED IN A FLOOD.AT THIS POINT INSURANCE SAID THAT THE CAR WAS TOTALED AND SAID THEY WILL TAKE CARE OF IT WITH THE LEASING COMPANY .AS OF XXXX XXXX XXXX ALL PAYMENTS WHERE MADE TO MY FINANCE COMPANY FROM MY INSURANCE COMPANY AND XXXX 
FURTHMORE, I RECEIVED AN ALERT XX/XX/XXXX ON MY CREDIT REORT THAT I AM 3 MONTHS BEHIND AND OWE {$1000.00}.
Product: Debt collection

I received a phone call from XXXXXXXX XXXX Ph # ( XXXX ) stating I have an outstanding lean against me for a loan with Boost Finance. I have never heard of Boost Finance before. They provided me with all of my accurate SS #, Phone # and address which is really concerning to me. I was re-directed from XXXX to XXXX XXXX Ph # ( XXXX ). They stated I needed to contact XXXX to resolve this matter. XXXX XXXX did give me Boost Finance 's Ph # ( XXXX ). I then called Boost, but I am not able to get to a representative. 

I fear someone stole my information and took out a loan with this company fraudulently. Now I can't get ahold of anyone to get proof of signature or resolve the matter.
Product: Checking or savings account

I received a refund from a company that was sent to my bank account on the second of XXXX. It showed up in my bank account and then disappeared. I called on Monday the XXXX and was told by XXXX that the company had pulled it back. I checked with the company and have a documented screenshot from the refunding company that the money was returned on the XXXX. The bank shows the deposit came in on the XXXX. I was charged for three overdrafts and spoke to XXXX on the XXXX. He says there's nothing he can do about it. The money was returned on the XXXX not the XXXX!
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

I logged in into my online banking on XX/XX/2023 and noticed several unauthorized transactions on my account, so I proceed to lock the card and requested a new one. 
I tried to reach customer service many times without success to report those transactions as fraud. 
My card was lost, didnt have the pin written on it and I didnt allow someone else to use my card. Also I never did business with them in the past. 
Attached goes the 2 screenshots with the unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX on : XX/XX/2017 Made with : EQUIFAX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Prepaid card

I have two AMEX debit gift cards with {$50.00} each on them. Over the course of the last week ( XXXX ) I have tried to use the cards at various online stores and they are constantly rejected. The cards both have a full balance, and no matter how much I try to charge they are not accepted. I tried to just {$25.00} on one, and it was rejected, so it isn't a balance issue. It seems like the companies put a couple of cents as a hold on the cards each time, so I think it might have something to do with that.
Product: Credit card or prepaid card

On XX/XX/2020 I applied for the XXXX Mastercard that is advertised at the link here : XXXX XXXX XXXX. 

The XXXX Mastercard is clearly advertised as " If Approved, Make a Purchase Immediately. '' After completing the online application through Synchrony Bank, I had to call in to the 800 number listed to confirm security details. This process seemed ordinary, so I answered the questions respectfully and in full. Upon finishing the questions, I was approved for the credit card. 

Great news! I was ready to begin using my new card immediately. However, when asked how this was possible, the agent, XXXX, informed me that it was NOT possible to make a purchase immediately. 

While he did understand that the marketing of the product clearly and undoubtedly states that the consumer would be able to " Make a Purchase Immediately '' - he stated that there were several different cards that this could be referring to. Upon further clarification that there is only one XXXX Mastercard that I applied for and was approved for, XXXX stated that the marketing was correct because " I would be able to use the card immediately after receiving the physical card in XXXX days. '' Upon escalating the situation to a supervisor, XXXX, it was clear that Synchrony Bank is specifically aware of the false advertising of the card, and that they were unwilling to provide any reasonable solution for the consumer. 

I suggested to XXXX that a reasonable solution would be to overnight or express ship the physical card to my address. While this is not " immediate, '' I felt that it would be a fair way to mitigate the situation. XXXX refused to have the card express shipped and agreed, without question, that I had been misled by the marketing of this product. 

Unfortunately, there is no way to go back in time and un-run my credit report or take back my social security number. However, Synchrony Bank is specifically at fault for this situation for a ) including misleading or incomplete marketing information to advertise their XXXX Mastercard, and b ) failing to provide a reasonable level of customer service by expediting the delivery of the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have came across a few accounts that has not been done by myself nor have I consented to these negative accounts currently on my credit history. I am not sure how these accounts were falsely done in my name with my personal information and I would like them removed as soon as possible.
Product: Checking or savings account

Direct deposit was supposed to be paid into my checking account XX/XX/XXXX. As of XXXX Friday XX/XX/XXXX it still has not hit my account. The funds have been sent from employer through XXXX. Capital one is aware of the issue and still has not resolved it. I have no money and am unable to pay bills that are due and my account is now in the negative and they are doing nothing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you an email through your company to which I never received a response. You are reporting late payments on my account from XXXX to XX/XX/2020. I find this to be unfair because I updated my card account but your company kept charging the old card. These late payments were not the part of my own. I am writing in hopes that you can correct these late payments to paid on time as they are negatively impacting my score.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
XXXX  XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES IHAVE 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.
Product: Mortgage

My name is XXXX XXXX and I am the XXXX of XXXX which is the XXXX for XXXX XXXX XXXX. There is a property located at XXXX XXXX XXXX , XXXX, TX XXXX owned by XXXX XXXX. The XXXX abandoned the home about 8 years ago and it has been vacant and deteriorating since that time. Last year we filed a compliant stating the mortgage company, Nations Star Mtg was not maintaining the property. Case # XXXX. I am now told that case is close. The mortgage company did maintain the property on a monthly basis via XXXX XXXX XXXX up until about three months ago. XXXX now states it no longer has a contract to maintain. The grass has not been mowed, the shrubs not trimmed and weeds are all over the property. Nations Star Mtg needs to maintain this property as it is reducing the value of homes in the area. They also need to foreclose as it has been vacant for 8 years now. My phone number is XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Experian for incorrectly reporting XXXX XXXX closed my credit card, when it was me who requested the card be closed. Experian verified and was accurately reporting the information correctly as closed by the consumer. Now suddenly their reporting the XXXX XXXX  was closed by XXXX which is 100 % not accurate. I want this updated truthfully and accurately!
Product: Credit reporting, credit repair services, or other personal consumer reports

The original invoice from the creditor- XXXX XXXX XXXX was {$550.00}, and it was sent to XXXX XXXX for collection on XX/XX/XXXX, on their collection it shows {$550.00} instead of {$550.00}. 

I contacted the creditor - XXXX XXXX XXXXXXXXmade full payment {$550.00} on XX/XX/XXXX with my XXXX XXXX card ending XXXX. After I paid off, I received request payment history from creditor - XXXX XXXX XXXX, it did show I paid in full, and the balance is XXXX. Ive attached the document I received from the creditor- XXXX XXXX XXXX. I also attached my XXXX XXXX card statement, on page 4, date XXXX, it shows I made payment to XXXX XXXX XXXX for {$550.00}. So, this collection from XXXX XXXX is inaccurate. 

I contacted XXXXXXXX XXXX after paid off the creditor - XXXX XXXX XXXX, but XXXX XXXX refused to contact Experian to remove this collection {$550.00} from my record, and XXXX XXXX told me since they own the debt now, I need to pay them instead of the creditor - XXXX XXXX XXXX. Then I sent multiple request to ask proof from XXXX XXXX to show they own the debt, they never responded. So, I filed dispute with Experian. I sent all the proof to Experian to dispute this collection on my record, but Experian still failed to have to provide the correct information on my credit report. 

Since Experian failed to report the correct information on my credit report, and didn't remove the false information. I'd like to file a complaint against Experian.
Product: Debt collection

Notice for Proof of Claim Account : NATIONAL CREDIT ADJUSTERS # XXXX To Whom it may concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX FTC # XXXX XXXX  XXXX XXXX  XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, personal loan, or advance loan

I took this loan out and asked if i ever needed to get a line of credit or a refinance if they would lift their XXXX lien on my property since this is a solar loan. I have called numerous times and have asked to speak to a manager and they say no one is available. I have sent several emails per their instruction and no reply. Because they wont remove the lien I am now being required to payoff the loan using the line of credit which is at a higher rate. The intention for this line of credit is to use to pay for my daughters college which now i will have to seek a loan at a higher rate to pay. The loan contract speaks to the lien process and them removing the lien, they stated " May '' remove lien upon request and they are saying not guaranteed. They never notified clients that they do not remove liens. This company is practicing deceptive lending practices. I have called on following dates XX/XX/24, XX/XX/24, XX/XX/24, XX/XX/24 I have emailed them as well and have tried to reach out to their leadership team via linkedin with no success. They also are reporting this loan as a mortgage loan on credit and it is not a mortgage It is a loan used for solar/home improvement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my report. 
XXXX XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX violated my rights 15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1666B A creditor my not treat a payment on a credit card account under a open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report to see an LVNV FUNDING LLC reporting inaccurately for XXXX XXXX My XXXX XXXX account is current and open, not delinquent and in collections.
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint againsXXXX XXXX XXXX  for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX XXXX have caused undue harm to my financial reputation and stability. XXXX XXXX  XXXX Balance Owed : {$4200.00}
Product: Checking or savings account

On XX/XX/2020 I was charged {$3000.00} by a company thru an ACH transaction. No mercandise was ever reveived for this charge and I first informed the seller and then when I got nowhere I raised the issue to my credit union, Navy Federal Credit Union, in early XX/XX/2020. I then raised it again in early XX/XX/2020 and finally via phone in late XXXX after no prior response from the credit union. 

They have not responded to ANY inquiry either by phone, secure bank messaging system, or US mail.
Product: Credit reporting or other personal consumer reports

Went to a dealership and let them know the company I wanted to get my finance through and they ran my credit on two separate occasions through a bunch of lenders. Not only did I have a talk with the manager of the dealership but I also called all of these companies and they either refuse to take it off or claim that they were and it hasn't been done nor have I received the paperwork saying that they were going to remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel I am being taken advantage of and being looked over in my disputes in detail. According to section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove items from report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted the Equifax  data breach and may have got into the wrong hands.