23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX  Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 2 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
Dispute 3 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

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

In according with FCRA XXXX  account number XXXX XXXX bankruptcy XXXX referencenumberXXXX. 15 USC1581 section 601A I do not any verbal or written authorized to display my on my credit report personal information published at any source data information without my permission please remove this items from my credit
Product: Credit reporting or other personal consumer reports

i sent several letters to this company. XXXX XXXX XXXX XXXXXXXX has Charged Off this account, Therefore this account is considered a certificate of indebtedness. Certificate of Indebtedness is considered INCOME and can not be reported to a credit report. There- shall be removed immediately. To prove my identity, I have included copies of my passport and driver 's license. I've included a copy of the credit report with the same account for which Im requesting information and erroneous information correction. The Privacy Act 1974 - Allows for criminal penalties in limited circumstances. An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is a direct violation.
Product: Credit reporting or other personal consumer reports

OPT OUT OF ARBITRATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nd terrace XXXX XXXX XXXX FL XXXX Experian XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with ( XXXX, Experian, or XXXX ) through arbitration. 
Again, I reject the arbitration clause in the ( XXXX, Experian, or XXXX ) interactive service agreement. 
Thank you for noting my account. 
Sincerely, Your Name
Product: Student loan

I paid {$47.00} to my fourth student loan on XX/XX/2023. It was never applied to my account with Edfinancial Services. I emailed Edfinancial Services twice and never received a response. So, I contacted my bank and filed a reversal request. The funds were dispensed to my bank account on XX/XX/2023. I submitted the payment for my fourth student loan again on XX/XX/2023. It was never applied to my student loan account. I called Edfinancial Services on XX/XX/2023. The representative could see my payments in their system but could not tell me why they weren't being applied to my loans. She stated she would contact the financial department but could not provide me with a reference number. I firmly believe Edfinancial Services is stealing from me.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Mortgage

Dear Sir or Madame ; You have refused to answer and respond to any of my requests once again. The fact that you are still avoiding to respond accordingly to my complains amazes me to this date. 
# 1. Copy of the phone conversation between myself, XXXX XXXX and XXXX XXXX and XXXX XXXX. 
As I Mentioned in my Pervious request, when I started speaking to XXXX XXXX back in XXXX 2015 to apply for my loss mitigation application, he insisted if i am not ready to accept the 5-6 % interest rate on my balance i should n't even try to send my application in. That 's why I have asked you to provide me with the recording of those conversations, which I believe you are trying to ignore. Although I am sending you a complete application in the mail for my loan modification and ca n't wait to have the result back with good news, I am still requesting copy of the recorded phone conversations. 
# 2 ) you keep repeating that your initial Fair Debt Collection Practices, Act ( FDCPA ) was a print error. Since the date on the validation notice was XXXX, 2015 and I was given only 30 days to act on your offer. On XXXX XXXX, 2015 ( 16 days later ) I filed a complain with CFBP that I was NOT getting any written reply as where and how I was suppose to send you a cashier check in the full settlement amount. It took you 15 days later from my CFBP complain and 30 days from the date of Validation Notice that this letter was an error?! 
Clearly I was not Notified of your print error until I already had the loan ready to be send for settlement before the due date. So please respond accordingly and do not repeat yourself. This is a simple question, who is obligated for my financial loss???? 
Finally you have responded that my QWR letter is Overboard and unduly burdensome. It may very well be Overboard and unduly and burdensome to YOU! But this is my right and it 's MY home that I am trying to protect from loosing. Until i receive a Correspondence from CFPB that my request is Overboard and unduly burdensome and its not my right, You need to provide me every single item asked. Clearly you have had plenty of time to prepare the information but have refused it with every chance you have had. 
Please see the attached documents. 
A. The New QWR requirements under the CFPBB. My request to send all documents requested in QWR RESPA letter ( 2nd letter ) I am looking forward to here from you soon.
Product: Vehicle loan or lease

There was not a accurate selection for me to pick on my complaint. Reason for my complaint is for harassments being aloud by consumer portfolio financial. I have had this company with mine and my sons car loan for a little over a year now. my son was starting off with no credit, I didn't have bad credit, but used up all credit I had. which led us into no choice from what we were told to accept this loan for one year the to refinance. Well what they are really doing to people. Not knowing we were going to go into a pandemic and stress and financial struggle, we have still made all payments on time, or should I say within the 30 day mark at least the past couple months due to some temporary hardship due to the pandemic. well people like us can not refinance after raising credit score because they added to much to our loans> Never marked late payment on credit report> I always make sure. which means I'm not behind. I assume right. 
Well to this date i am only four days behind, ok. this company will call your phone everyday if you are a day past due by one day and everyday on. if you are 2 weeks behind but not 30 days behind they will call all your references everyday there forward. ok well today I received a phone call call from my sons father XXXX XXXX XXXX stating him and his wife both received phone calls separately from a very disrespectful demanding information on my son XXXX XXXX and myself XXXX XXXX. Now here 's the thing. due to very various and personal reasons my son has not spoken to his father in years nor talks to his wife at all. myself only keeps things minimal in the past year but absolutely no contact with wife. Which means there was absolutely none of there names nor contact information written on my contract at all, nor did any of our references had any way to have contact information on them to give due to legal reasons and when I say there is absolutely no way they were giving information on him or his wife through my references> absolutely impossibly ... 

with this said I have asked for a copy of contract today and will be looking into everything and seeing how these financial company 's are bein aloud to get away with extra fees and harassment 's calls and etc. specially on people who are trying to make a start or a new start> that shouldn't be a trap and made for people to fail. the pain and stress people are going through, terrible. 





XX/XX/2020 p.s. as of today XXXX is paid and XXXX bill is 4 days past due
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2024 To : Experian Fraud Dispute Department Subject : Fraudulent Accounts Removal Request Dear Experian Fraud Dispute Department, I, XXXX XXXX, am writing to request the removal of the following fraudulent accounts from my credit report. I have included a new Identity Theft report that contains unauthorized items and creditors. 

FTC Report NumberXXXX Account Details : - Creditor : XXXX XXXX XXXX Account Number : XXXX - Issue Type : Account ownership and fraud issues- Issue Description : This is not my account, and I am a victim of fraud. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : 1. Identity Theft Report Thank you for your assistance. 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a dispute on my XXXX credit report for an item that was incorrect. XXXX resolved the dispute but removed the wrong account from my reporting. They removed my current auto loan from my finance company and my score dropped. I have documents and invoice statements and I need it readded and corrected, as well as my finance company has not reported on my XXXX report since XXXX of last year. Im trying to buy a hous and move forward from my bankruptcy but unfortunately can not due to this issue and most creditors and lenders look at XXXX first
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing you today to dispute the inaccuracies reported on my consumer credit report. According to consumer law 15 USC 1681 e ( b ) every item on my consumer report must be 100 % accurate. This law was violated as I have several in accuracies on my report. My name is inaccurate, my birthdate is inaccurate, my home address is inaccurate and my employment is inaccurate.

In addition to this according to consumer law 15 USC 1681 ( i ) ( A ) I have a right to dispute the completeness/accurate information on my report. 

I would like these inaccuracies addressed and removed immediately please. 


Thank you
Product: Credit card

I believed I paid off the card and used it right away but the interest rate should have decreased.
Product: Student loan

Prior to the pandemic, I owed over {$5000.00} on my student loans. I wanted to get rid of these loans, so made lump sum payments totaling between {$2000.00} or {$3000.00}. When I made these extra payments XXXX was my servicer. My balance was down to slightly more than {$2000.00}. 

During the pandemic, when payments were frozen, I received information that AidVantage was my new student loan provider. My account number with them is XXXX. When they took over my account, the balance owed was over {$5000.00}. I reached out to them multiple times via a chat service on their website and received no response. On multiple occasions, I have waited on hold for hours and talked to 3 or 4 different people dating back to last XXXX and have heard nothing back, despite them telling me each time I would hear back within a few weeks. 

Since the payment freeze was ended I have been making payments based upon the larger amount due. They have been charging me interest on the larger amount due. I would like the balance to reflect the accurate amount I owe ( slightly more than {$2000.00} ), and the interest charged to be adjusted based on the lower amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$640.00} ; XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX  XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX  XXXX Balance Owed : {$200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX a call was made to Chase Bank in order to pay my credit card bill. Upon paying the bill I forgot to ask for them to remove my account information. Upon calling back I was told that it could not be removed without cancelling the payment. I insisted it could as I did so every month. The agent disputed this fact and I eventually requested to speak with a manager. After speaking with a manager I spoke of the issue once more. The manager said he would research to see if this could be done. After explaining once more that I have done so more than one time and having filed a report about this continuing issue he promptly removed my bank information from being on file and than apologized for the misinformation. At which point I asked for a credit to my account due to Chase Bank lying about the ability to remove my private information. He refused and I requested to speak with the executive affairs before filing a complaint with the consumer bureau Upon being transferred the lady who answered asked me what occurred. She.appeared to be dismissive and aggressive once I stated the request for a refund. She did however apologize for what had occurred.
Product: Money transfer, virtual currency, or money service

I have had an account with PayPal for many years. I was satisfied with it. My profession is XXXX XXXX, I XXXX XXXX. I have an account on XXXX for selling XXXX  and my website is XXXX. After corona, I didn't sell many XXXX. In XX/XX/2023, I discovered the website XXXX. Here one can sell XXXX  and one then receives a percentage of the fee back. I have invested all my savings in this. I have done this from XX/XX/2023 to my satisfaction. This allowed me to pay for painting materials and part of the studio rent. XXXX is very reliable but only works via PayPal for the payout. My income is a small pension. As of XX/XX/2023, my account with PayPal is suddenly ( permanent ) limited. I can no longer withdraw money, I can no longer receive money and I can no longer pay anything through PayPal for the duration of six months. I have been seriously affected by this. It means that I can no longer pay the rent of my studio. The payouts via XXXX come in amounts of about XXXX from various sources that I obviously can not check. I have spoken to PayPal staff a few times on XX/XX/XXXX. It turned out that I was suspected of speculative trading in XXXX  via PayPal. This is not the case. I am not a " trader ''. I use the possibilities of XXXX. All risks are for me, not for PayPal. My case was escalated, but result. I don't feel treated fairly. That is why I want to make a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion about Hard Inquiries that were on my credit report that I did not authorize. I did not approve of these companies to pull my credit report or get my credit score. I have been a victim of inquiry issues. Due to all these Hard Inquiries on my report I am suffering horribly as each on counts against me and I am trying to purchase a home. The list is lengthy however these are all on my credit report that don't belong : XXXX XXXX/ XXXX My name is XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Wi XXXX XXXX/XXXX XXXX  XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX DE XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ut XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Wi XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX , ND XXXX XXXX XX/XX/XXXX XXXX XXXX PA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX MD XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XXXX NY XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX FL XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

Hello, On XX/XX/2023, Citibank has closed my checking account due to a " security concern ''. I have reached out to their customer service and they refuse to disclose the reason to me over the phone. They closed my account right after I opened my account on XX/XX/2023, and deposited $ XXXX to the account so I can qualify for their checking account bonus. I didn't even had intentions to open a Citibank Checking account but Citibank kept emailing me about their checking account bonus nonstop so I decided to give a try. 

I have been their customer over a year and I own 2 credit cards which is I do not get what is their security concern about. I also have a XXXX Credit Score and have few checkings account with different banks. The customer rep mentioned me they wont release the funds to me 30-60 days although I need those funds immediately since this money is material to me to operate my daily activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit Inquiries listed on XXXX credit report. 
No one hady permission to pull credit Inquiries. 
Multiple times credit inquires on XXXX Please remove them XXXX  refuses to remove them.
Product: Checking or savings account

Lies, lies and lies are used by CITIBank. After they tortured me inside of my account blocking my settings, in the end of the day CITIBank falsely claimed that I am using a wrong password to prevent me to come up with some other action. 
My XXXX  and XXXX  state got damaged by outrageous CITIBank repeated fraud. I warned every agent that I am going to complain to the CFPB and it doesn't bother them. It is nothing for them if the client gets harmed by their unfair practices. A team of liars were picking my calls yesterday XX/XX/2024 and brutally denied to allow me to use my money, made fun of me, look like I am a fool and used their abuse of power removing XXXX and PLAID enrollment for transfer and payments. CITIBank employees were making all kinds of obstacles and finally at the end of the day, blocked my account falsely claiming that I am using a wrong password ( email attachment ). It got so outrageous, because when no small crime gets noticed, it grows to a bigger crime. CITIBank deleted every single request of my actions ( attachment ). First they unlinked my account with XXXX without even notifying me. I wanted to reinstate it and they did not allow it ( attachment XXXX a XXXX ) CITIBank silently denies my every action and removes it silently without notification. I spent all day long yesterday being tortured by CITIBank. I am asking for an appropriate investigation that CITIBank discriminated against my rights to use my money and retaliated against my persistence to use my rights and my money. CITIBank behaves as a XXXX  XXXX. The only thing CITIBank has is coercion.
Product: Credit reporting or other personal consumer reports

My XXXX and XXXX credit reports indicate that the XXXX account is reported as charged off, whereas TransUnion does not show it as charged off. 

XXXX XXXX {$8100.00} XXXX XXXX ...
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's action violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX XXXX XXXX ) Has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions