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

I have disputed 3 accounts that are currently being listed by Debt CO XXXX. I have disputed the accuracy of the information both with Debt CO XXXX, XXXX and XXXX. I have disputed the accuracy of the accounts as they report an account open date of XX/XX/XXXX. When in reality the accounts were opened on in XX/XX/XXXX. After the initial dispute, XXXX stated that the information being reported to them was accurate. When I spoke with the original creditor ( XXXX XXXX XXXX ) they stated the account was opened on XX/XX/XXXX. When I asked for files pertaining to the account they stated they did not have them as they were forwarded to debt collections company ( Debt CO XXXX  ). I contacted Debt CO XXXX  to get the information on the debt ( validation of debt ) and they stated they would have to submit to submit my request for information to see whether or not I could get that information. The agent then stated if I wanted to go ahead and pay the full amount, they could do a pay for deletion. I asked for the documents validating the debt and I was informed again that they were submitting to see if my request would be approved. I asked how long it would take and they stated it could take anywhere from days to weeks.
Product: Credit card

On XX/XX/XXXX I had bought jewelry ( diamond ring ) which they asked me to appraise before paying the full amount, since I did not agree on the price. The salesman named XXXX told me to appraise and if I find the appraised price lower than the price charged, I can return it. Upon appraisal by a certified GIA appraiser I found that the actual value was {$4400.00} and not {$9500.00} that they had charged. Also a small diamond piece fell off the ring. At the time of purchase I had paid {$5000.00} and the rest was to be settled or returned upon appraisal. I had called them and told them that the actual value was {$4400.00} and that they had charged more than double. I called the American Express and informed them on XX/XX/XXXX that they should place a block on XXXX XXXX and that any charges over {$500.00} they should get our permission before allowing the charges. I called again on XX/XX/XXXX and confirmed about the block. American Express informed me that they will not pay out any amount to XXXX XXXX. On XX/XX/XXXX XXXX tried to put through the charges {$4500.00}, it was denied by American Express. On XX/XX/XXXX they forced charged it using another ID and it was paid out by American Express in error. American Express did not keep up with their word. I called and wrote to American Express numerous times but they did not accept their mistake. XXXX jewelers told me that they will not accept the jewelry back and if at all I ship it back to them they will not accept the jewelry and we will not get the refund. Both parties did not do what they were supposed to and cheated me. Now American Express is trying to bring down our credit rating although it is their fault. I am a member of American Express since XX/XX/XXXX and paid my bills on time. I would like you to look into this matter and investigate.
Product: Debt collection

I recently filed a complaint  Caine and Weiner. They responded that they sent a letter. I did not recieve such letter or I would of asked for a validation/verification and then in turn, pay if the debt was validated. This is a violation of my rights. How can they lie and get away with it. I will exercise my rights and then they will owe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and correction of the erronneous information reported on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance 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 erroneous Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items corrected as soon as possible : 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 DEPTEDXXXX XXXX XXXX XXXX XXXX} DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX} DEPTEDXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please delete these accounts from my report. 

XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Student loan

I consolodated in 2022 for XXXX. I received a payment notification for part of my loans ( the oldest ). I called but was told to wait maybe they were in process of forgiving all of them. I waited. I also requested XXXX as I have sufficient number to also reach the XXXX marker. The XXXX is " is processing '' since XXXX. I did see on the Fed student aid.gov that you can't just forgive some consolidated loans and not others If you consolidate your federal student loans, the government can not choose to only pay off half of the XXXX. Consolidation combines your federal student loans into XXXX loan with XXXX monthly XXXX. It allows you to pay off defaulted federal loans with a new loan and new repayment XXXX. Consolidation does not reduce your interest XXXX. 

Mohela and Fed loan won't/ca n't answer my questions. I did also include with my XXXX XXXX my personal subsidized loan ( at 3 % ) which is now at 6.5 %. I understand that although it stated those would be forgiven ( I did receive a XXXX XXXX ) but then was told it would not. It is expensive for me ( retired ) to pay close to {$900.00} a month. PLEASE please please help me!
Product: Checking or savings account

My personal and business bank accounts and XXXX XXXX credit card were cancelled without notice. I have called and written asking for an explanation of the reason for the closure. They have not provided any reason, just simply the attached form letters. Their actions have caused my great inconvenience and cost, including the loss of award points and interest charges on the XXXX card. As a 20 year+ customer, I feel that XXXX owes me an explanation for their wrongful actions.
Product: Mortgage

PHH Mortgage is double dipping on collecting payoff amount by considering increased value due to improvements made and not giving credit for invoices and cancelled checks as evidence that I paid for these. They previously verified improvements on XX/XX/XXXX and had their Appraisal that can be matched to see the subject did not have the new improvements made and verified with new appraisal in XX/XX/XXXX. Ive requested to speak with Supervisor as my payoff request has not been completed in almost 30 days. They are taking advantage of improvements made after XXXX by using the new value and requesting due to pandemic worldwide use the new value that confirms improvements made
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor : Gemini/XXXX has violated my rights. Under 15 USC 1681 Section 602 I have the right to privacy. Under 15USC 1681 Section 604A Section 2 it states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666B it states 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: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX contacting. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the Experian and XXXX Credit Bureaus and the XXXX XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, I have made two complaints in the FTC department notifying each of the credit agencies XXXX, TRANSUNION, sending all my data from the accounts that do not belong to me, my identity and the complaint number that the FTC agency provided me, refusing to remove them from my cut, also request the creditors to send me a proof of the contract signed by me of these accounts that are reporting in my credit report through certified mail which certifies that they received it, which was not answered by them, so I open this dispute since there is no proof that I was the one who opened this account and someone used my data to do it, these accounts do not belong to me and these agencies are not doing the proper verification and violating my rights to fair credit by law. Disputed accounts that have not met the correct verification are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX. XXXX I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present veracity in any of the bureaus and also I do not It was I who opened them, nor have the creditors presented proof that these accounts belong to me. I ask that you intervene as the body that regulates these bureaus, since it is a process that they do not want to take measures to correct this, thanks.
Product: Vehicle loan or lease

To whom it may concern, I am a military members, and Roadrunner Financial wont honor my military status. Literally all my credit cards have honored the XXXX benefits. Even another car that I am financing honored the XXXX benefits. Ive sent copy of my orders, even my official document transition into XXXX XXXX AFTER I got the motorcycle. They have the worst customer service ever and they dont help AT ALL. 
My account number with them is XXXX Best regards, XXXX XXXX
Product: Debt collection

Someone used my information to open an electric account. It was XXXX XXXX and account was sent to collections on XX/XX/2020 for {$610.00} collection company MRS BPO LLC, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I reported identity fraud with the police, XXXX XXXX XXXX 's Office Case # XXXX.
Product: Credit reporting

I 'm a victim of identity theft and someone else took my information and opened up accounts in my name right now there 's something on my report from a company name XXXX that I do n't even know about and this is crazy, it 's really XXXX me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  isnt license to collect on debts in the state of California. They are illegally trying to collect on a debt. I provided documentation to prove that. Remove account from XXXX, TransUnion, and XXXX.
Product: Debt collection

My complaint is regarding a company known as Credence Resource Management. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same two accounts on my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX credit files. This is not my account and i want it removed from my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Credit files permanently. 
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2020 Loan Amount {$570.00} {$570.00} Payment Info Original loan amount {$570.00} Balance {$570.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Mortgage

I started a refi process in late XXXX of XXXX. Due to the efficiencies of Freedom Mortgage, it is now XX/XX/XXXX and I get this message : I am now able to submit your loan to our underwriter today but I have two concerns that I need to bring to your attention Your credit report is due to expire this Sunday and will need to be reorder a new report prior to your loan closing. Please let me know if I have your permission to do so. 
The appraisal report is due to expire on XX/XX/XXXX, and the title company we are using are not accepting any additional closing before XXXX, therefore we need to order an appraisal recertification. 


Please let me know if you wish to move forward. The credit report can be done in a few minutes, the recertification will add a few days to our process, it depends on the appraiser. 

Now I will have another inquiry on my credit report because of this company 's inefficiency. This has been a time consuming process ( 4  months ) that has cost me money in interest and PMI and now - unnecessarily - on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has violated the Fair Debt Collection Practices Act by placing an ambiguous collection amount on my credit report 3 years after the account was closed and paid in full. The XXXX lease was never late, yet now reporting 14 or more 90 day late payments and collection. The lease terminated in XX/XX/XXXX, paid in full, never late. XXXX company has not reached out nor attempted to notify about "debt". Account appeared as charge off on credit report with balance and late payments years after paid in full. Received notice dated JXX/XX/XXXX with "lease termination invoice". Attempts to contact number on notice have all failed. Operators collecting information and then terminating call. XXXX is acting abusively due to not purchasing vehicle at lease-end.
Product: Credit reporting

I have written to Transunion four times in reference to inaccurate information on my credit report. I have requested that they delete it. Each time they have responded to my letter claiming that they have verified the information on my credit report but have not provided me with any physical verification or proof that these are my accounts. This is in complete violation of laws in the Federal Credit Reporting Act.
Product: Debt collection

I am in the process of purchasing a home. My lender pulled my credit report and it is reporting late payment inquiries when this debt has been paid. I called security finance to request the information be corrected because I paid the debt on XX/XX/XXXX in the amount of XXXX. They told me that they could not do this. I also requested a letter of proof that the debt was paid in full and satisfied. They told me they could not provide this as well. It is delaying the process and causing a negative impact on my credit. 

Sincerely, XXXX XXXX
Product: Student loan

Nelnet is not reporting my monthly payments or the correct account balance to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX via Certified Mail in attempt to retrieve my XXXX  Credit Report for my own review and verification in XXXX of XXXX. I tried using XXXX  but was unable to get my credit report there due to " unverified information '' based on the answers that I have choose for the several of the questions asked. 

Again, as of XX/XX/XXXX, I have tried getting an update on my XXXX credit report to make sure that all of my private and personal information is correct and protected, but however, my request was denied via XXXX because of the answers that I selected based on my correct information, when questions were prompted on the screen. I also called XXXX  and have spoken to XXXX ID : XXXX, XXXX ID : XXXX, and XXXX ID : XXXX, in which XXXX from the " Dispute Department '' constantly ended the call in mid conversation.
Product: Credit card

I paid the charge I made that was on my XXXX statement. Now they are coming up adding interest and late fee. I called them today about this and they removed the late fee. I tried to use my card tonight and it came up declined. I called the and they said my account is past due. That I have to wait 24-48 hour for that credit to post on the account that they put in for today. For that late fee of {$29.00}. I told them I needed to make this charge tonight using this card. They said they can't do anything. I advised them this is not my fault that it was them that made the error.
Product: Vehicle loan or lease

XXXX  has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

Considering the fact that my account was noted restricted/closed XX/XX/XXXX in which I have proof, the bank is now stating my account was closed/restricted on XX/XX/XXXX? and theyre asking me to show proof that I didnt deposit a check twice? This is a check direct deposited from my job were talking about by the way so how would I have control over that? ALSO, theyre holding a check that had nothing to do with the check theyre saying was in question? Its been over XXXX years pretty much, nothing has came back to anyone supporting theyre assumption on that check being cashed more then XXXX time.
Product: Credit card

Hi. At all the cash registers at Lowes Stores 20 % off first purchase is advertised on your first purchase if opening a credit card. However upon purchasing my merchandise I did not recieve the 20 % off, due to fine print I was presented with after opening my card. 
Fine print was on purchases over {$290.00}, however even on opening and presented with scanning the instructions were " up to 20 % off ( max {$100.00} ) Which seems to either mean only up to XXXX dollars off, if for instance {$1000.00} of merchandise was purchased. Either way. My XXXX dollar purchase was not given the 20 % off. However customer servixe refunded me that amount after my complaint.
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 and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Bank account or service

Citibank promotional offer for XXXX american airline miles for opening a citigold account. Opened account in XXXX XXXX, completed prerequisites in XX/XX/XXXX, points have not shown up as of XXXX XXXX XXXX. After many messages with Citi, points were promised on XXXX/XXXX/XXXX, never showed, now my case is thrown in a pile with a huge backlog, i 'm told.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I have opted out of any and ALL authorization, I, the consumer, may have given you, written, unwritten, verbal and non-verbal, per 15 USC 6802.
Product: Checking or savings account

A fraudulent account was in process of being opened in my name and PNC Bank has not given me written notice that the account is closed, inactive, and will never appear on my credit report. I sent an FTC Identity Theft letter and never received any response.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Bought virtual currency before a trade and cost me hundreds when support would not respond and transfer abnormally slow for their end.