23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In accordance with the fair credit Reporting act XXXXXXXX  Account my rights have been violated 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 a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

American Education Services, has not allowed me to reduce my payments, release my cosigner, temporary postpone my payments, or make my payments online. Ive been told that I have exhausted my forbearance options, when I still have years of payments to make. Ive also been told that I can't release my co signer since I've used forbearance on my loan. I also can no longer make my payments online, I can only send payments through the mail, which will cause my loans to be late, causing them to contact my cosigner and send letters as well. They have given me no options or breaks, and I think this is completely unfair. Ive paid well over the amount I owe in interest alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent letters and called disputing inaccuracies on my consumer report back in XXXX and in XXXX ( this year ). I have yet to receive a copy of my credit report reflecting requested changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 someone invaded my XXXX XXXX online accounts, changed my password, set up a XXXX account and attempted to transfer money. XXXX turned off my online banking and had to eventually assign new account numbers. 

In late XX/XX/XXXX and early XX/XX/XXXX, someone tried to open numerous credit accounts using my personal information. I have disputed them all. 

I submitted a police report on XX/XX/18. Suspects have been arrested and are currently being tried. 

I had an XXXX XXXX XXXX account due to a previous data breach and they began to help me restore my credit. Between them and me, we have spent endless hours trying to get inquiries removed from my credit. 

There are two outstanding issues with Equifax : XXXX XXXX ( XXXX ) dated XX/XX/18 and XXXX/XXXX XXXX dated XX/XX/18 XXXX has contacted Equifax 3 times to resolve this issue. I have letters from Equifax acknowledging the misreport and still the inquiries remain.
Product: Credit card or prepaid card

In XX/XX/XXXX I contacted Citi to close my Citi Premier Card due to the annual fee. Given that everything has changed due to covid, I thought I should save that {$95.00} rather than pay the bank. While speaking via phone, the representative offered me a deal/offer : If I spend $ XXXX/month, for three months in a row, Citi will refund the charged annual fee. Given that I like the card, chose to accept the offer, I even thanked the rep For offering me that. Offer was active from XX/XX/XXXX to XX/XX/XXXX. I did spend the required amounts, yet the annual has not been refunded. I have contacted Citi a few times via phone and via Chat ( message us tool at citi mobile app ). Via phone I have spoken to : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and the Last time I spoke via phone was on XX/XX/XXXX, first with a rep called XXXX, then with a supervisor named XXXX. -XXXX  confirmed that I have completed the required spending, therefore I will get the fee refunded at the end of the cycle XX/XX/XXXX. It did not happen. The chat reps were absolutely incompetent ( last conversation tonight XX/XX/XXXX XXXX with XXXX  ). 

Today, 6 months after Citi promised and offered the deal, ( I paid the {$95.00} annual fee in XX/XX/XXXX ) I am writing to you due to their irresponsible behavior. They should have let me close the account, not lie to me with an offer or promise they did not intend to fulfill!
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C. 1681 section 602 A. States I have a 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.

15U.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.
Product: Debt collection

On XX/XX/2022, I was contacted via text message on my XXXX cell, in an attempt to collect a debt owed by another individual. I returned the call and was asked if I was another individual. I responded that I was not the person they were seeking. I was asked if I was related to the minor that had accrued the medical debt. I stated yes, but due to a court order, I had not been associated with the debt guarantor for over four years. There is no documentation with my signature guaranteeing payment for non-eligible coverage related to medical care, the guarantor is my ex-wife. We do not share households.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX I sent a certified letter to XXXX requesting to validate the reported bankruptcy. I also contacted the bankruptcy court and received a written response that they do not report to the credit bureaus, this letter was also sent to XXXX. XXXX continues to ignore my request and the bankruptcy must be removed, having the inaccuracy report is negatively affecting my life and a direct violation of federal laws.
Product: Checking or savings account

I invest on an application called XXXX. Is to invest in my future and if you're not aware of the application it links directly to our banking accounts. The application automatically rounds up total spent from your banking account to the nearest dollar. Essentially collecting the change until it reaches a total of {$5.00}. It then withdrawals to {$5.00} and invest for you. It is simply a very convenient way to save money. There has been an issue between the application because PNC is causing issues with them which is costing me money because I'm no longer investing. I feel this is my account and if I want to give access to the XXXX application, which I've dealt with for many years, that's my choice. I am asking you to please speed up the process so I can begin in my investments again. Thank you
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and 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 severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

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 dateXXXX XXXX XXXX XXXX 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!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

NATIONSTAR MORTGAGE LLC., IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES. 

THEY REPORTED THE MORTGAGE BALANCE TO BE INCORRECT AND THEY REPORTING THE ACTUAL PAYMENT AMOUNT AND FAILING TO REPORT THE 81 MONTH PAYMENT HISTORY AS PER THE FCRA. 

THE ATTACHED IS PROOF THEY ARE IS REPORTING INCORRECT INFORMATION TO MY CREDIT BUREAU FILES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet and I have these inquires on my report XXXX XXXX  XX/XX/XXXX This was an unauthorized credit inquiries XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX  XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XXXX/XXXX/XXXX This was an unauthorized credit inquiries XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX This was an unauthorized credit inquiries
Product: Checking or savings account

XXXX separate unauthorized fraudulent debit card transactions were debited from my Chase checking account. 

transaction date : XX/XX/XXXX, XXXX XXXX {$2300.00} XXXX description : XXXX XXXX XXXX MO XX/XX/XXXX merchant description : XXXX XXXX transaction date : XX/XX/XXXX, XXXX XXXX {$2200.00} XXXX description : XXXX XXXX XXXX MO XX/XX/XXXX merchant description : XXXX XXXX  transaction date : XX/XX/XXXX, XXXX XXXX {$2300.00} XXXX description : XXXX XXXX XXXX MO XX/XX/XXXX merchant description : XXXX XXXX  I alerted Chase of these unauthorized fraudulent transaction debits on XX/XX/XXXX. They created a claim for me ( # XXXX ) and provided me with a temporary credit back to my account that was equal to the total unauthorized fraudulent debits ( {$6900.00} ). 

Chase completed their research and responded to me on XX/XX/XXXX indicating " we found that the transaction ( XXXX ) was processed according to the information you provided or was authorized. As a result, we are removing {$6900.00} from your account on or after XX/XX/XXXX. 

I called the Chase customer claims department on the evening of XX/XX/XXXX and was advised I could dispute it with the merchant. 

I made an appointment with a local Chase XXXX representative today, when I was there they called the same claims dept I had called the night before. They advised him the merchant provided some kind of receipt only to Chase on XX/XX/XXXX. Based on this this receipt coming in, Chase closed my claim is is going to remove the funds from my account very soon as a result of these fraudulent transactions being honored by Chase as legitimate. 

Please help me keep my own money. I had nothing to do with these XXXX fraudulent unauthorized debits to my checking account using my debit card number. I have never heard of this XXXX company, I have never contacted them ( phone, email, social media, nothing ). I want to make sure I am able to keep my own money as I am a victim in this fraud attempt.
Product: Debt collection

Recieved a debt collection letter and i tried to resolve matter with the debt xollection company They wanted to verefy my social security and daye of birth and i tried to tell them the amount owed on account pertains some other entity and the xollection agency will want to hit my credit
Product: Debt collection

I have paid XXXX XXXX off in full Its on my credit ewporrs saying I owe I have medical debts that I know nothing about they haven't swnr mw anything or validatwd these debts or showed they have authority to have these debts
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like i have exhausted all efforts with Equifax and XXXX Credit Bureau in trying to have fraudulent accounts and information removed from my credit. It is exactly 6 months today and i have not seen any type of relief what s ever even though i have supplied them with a police report and my social security card and Dl. I originally had 3 unknown social security numbers on my credit and a host of unknown addresses .... that information has since been removed but not the credit and collection accounts 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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for ar purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, COMENITYBANK/XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting or other personal consumer reports

I just took a look at credit report XX/XX/year>, and found a charge off from sprint who is suppose to be orignal creditor. 

1. account. XXXX XXXX ( Original Creditor : XXXX XXXX  ) Date opened on the 2 accounts do not match/ this is a charge off allegedly. 

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


15 USC 1681 s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate. 


THIS IS A VIOLATION OF MY CONSUMER RIGHTS.
Product: Mortgage

I got back from vacation. Went thru my stack of mail. Found XXXX statements from Fay Servicing. And another envelope. When opened, it included my payment check sent for last month saying my house was in foreclosure. The company stopped accepting my checks ( when not passed due ) in XXXX. Contacted company today, after verifying no checks have been cashed. I was told they mailed a demand letter ( not in my mail ) both certified and regular. I asked if the certified was returned since no one signed for it. They ignored the question. I asked when they called. They said a court order would be needed for that info. Said I had no voicemail to leave a message ( I have voicemail ). Said they mailed letters to house. Nothing in my stack of mail that was held during gone. They said notices would be in my portal. I logged Into the account, no demand letter or anything other than statements. I was told if I dont pay by tomorrow, house is foreclosed on. They said I have to call them with an online check or else. They said they dont have to give me longer than tomorrow. They tried to intimidate me and bully me. They said they cant do another demand letter, I just have to pay what they demand from me. They wont put anything in writing. I have to email them if I want anything. And 2nd person I spoke told implied I wont get an answer if I email. I was told that they arent scared if I sue them, they have everything ( but wont give me proof they sent the federally required paperwork ). They claim to not receive payments sent, and claim they notified me. I deal with several banks on several properties. Fay servicing is trying to manipulate and bully the consumer and wont produce paperwork. They said they never make a mistake and since I dont pay bills, this is all my fault. They wont get a supervisor, claim they are the highest power there. A demand letter is needed for a foreclosure payment and they flat out refuse to send. They just say heres the amount. We called you, sue us if you want to. They failed to notify me that they arent receiving payments. I verified mailing address. The guy on call 1 gave me a different address than wants on the remit. I asked about the remit address, he said oh, that will work. I said its not working, since you all of a sudden claim you arent getting my payments. He said you owe us the money, not our fault you dont get mail and dont have a phone number. 

XXXX XXXX, XXXX sends a demand letter with the amount owed by a date to clear it up. Fay servicing said we cant do that, we dont know the fees after tomorrow. 

They dont care I dont receive their mail. They dont care that they arent calling. They dont care there is an issue that they arent getting checks at the remit address. Its like they are purposing missing payments so they can abuse you when you call and threaten and bully the consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, unauthorized accounts and inquiries have been made in my name. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report : Accounts to be blocked and deleted : XXXX. XXXXXXXX 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 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 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

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Co 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. also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting act Convergent, Fingerhut/Webbank , has violated my rights 15 U.S.C 1681 section 604 A section 2. 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, has violated my rights15 U.S.C 1681 section 604 A section 2. also states a consumer reporting agency can not furnish a account without my written instructions. 

Other accounts I see on my credit report that are in violation are below. 
XXXX XXXX XXXX XXXX / XXXX XXXX XXXX
Product: Debt collection

I received a letter from a XXXX XXXX XXXXXXXX lawyer office. They said the debt occurred 1997. I told them I don't recall. He proceeded and said that I wasn't paying on the credit card for 10 years and then they lost in touch with me. I told him that wasn't true then he got upset and hung up on me. So I called back and asked cuz I speak to the manager and then the manager proceed saying that I owe on this credit card in 1997. I told him it wasn't true I do not recall. He got upset and said well you must got put out from that old address and now we finally caught up with you. Is you going to pay it or not if not we going to garnish your check and then hung up on me. This lawyer office is very rude and unprofessional.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit file regarding an account for my discover card. This account is being misrepresented and request an immediate investigation and correction of this error.
Product: Credit reporting or other personal consumer reports

I was having problems with XXXX which is my insurance company where they kept increasing my monthly payment due to total loss of my XXXX XXXX XXXX vehicle from an accident on XX/XX/XXXX which was replace by a XXXX XXXX XXXX. This problem also causes me problems with the XXXX in which they say I was driving the vehicle without insurance. I was homeless at the time and having problems with my retired income, so I called Stellantis at the end of XX/XX/XXXX to let them know about the problem and how can I return the vehicle. They told me that I can voluntarily surrender the vehicle, and I agree. I told them to pick-up the vehicle in XX/XX/XXXX and they told me that they would schedule the pick-up and called to let me when. I gave them the location where the vehicle was park which is at the XXXX XXXX XXXX XXXX XXXX where I was staying in the vehicle at that time. They email me a letter to e-signature and the date of pick-up shown on the letter is XX/XX/XXXX, a copy of the letter is enclosed. Stellantis kept reporting me to the credit bureau for delinquent account, and derogatory account. I filed dispute with the credit bureaus several time and they kept reporting. I need and would like for them to stop.