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

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account : XXXX XXXX XXXX Account XXXX Account : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to the address. 

Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

After several disputed via Cfpb Transunion continue to report fraudulent information on my credit report. For years now I have had this account reporting fraudulent and it continues to hurt me financially please complete a REAL investigation into this account so it can be removed I would like all documents with dates and wet signature and pictures and audio when this account was opened I would also like to see when and where this transaction took place because I have never did any business with northstate acceptance and I need this information to take to my local authorities as well to press charges on whoever this person was that used my information. If this information can not be produced I would ask that you please remove this account because it is the credit bureaus responsibility to make sure everything is 100 percent accurate according to the law. I do not want Transunion to just ask the creditor to verify accuracy I am asking they investigate and send me the documentation and if unable delete this account immediately for identity theft and failure to conduct a proper investigation all the other times Ive sent complaints via Cfpb about this same situation
Product: Credit card or prepaid card

Citi case ID : XXXX I purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$1200.00}. When I received the package feels empty so I took a precaution video when open it. As expected, there only an empty old XXXX box inside the package. I opened the dispute with XXXX for return and refund. Within a few days, they closed my XXXX account and closed the dispute in their favor and denied my refund. 

I turned to Citi cards for dispute and provide them with all the documents, receipt, tracking number for return the package to the merchant and video links to show proof of item received is not as advertised. 

On XX/XX/XXXX, Citi cards completed their investigation and denied my dispute. They also threatened me to pay the disputed amount in full to avoid any past due to my credit report. 

Here is the link to the proof video that I took when open the package from ebay showing there only empty old box inside the package : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The name of the Fraudulent financial institution is " XXXX XXXX XXXX " This account was opened by somebody else without my knowledge on the XXXX XXXX, 2021. 
The Balance on this account is {$5100.00} I have made many attempts to resolve this fraudulent issue with the bank. However they disregard my claim since the fraudster used all of my personal information. I have filed a complaint numerous times with the federal trade commission. This is my last attempt before getting attorneys involved. Please help me remove this account from my credit bureaus.
Product: Debt collection

University XXXX XXXX is alleging that I owe them a balance of {$1100.00}. ( which is showing up an unsecured loan on my credit report ). I do not owe this debt. After requesting a copy of my credit reports, the opening date is showing as XX/XX/XXXX. I did not attend the university orientation until XX/XX/XXXX. Late XXXX, I received a letter from the collection company ( Financial Business and Consumer Solutions . The letter was dated for XX/XX/XXXX requesting a payment in full. The letter stated, Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion, thereof, this office will assume the debt is valid. I sent a debt validation letter ( which is attached ) to the collection company on XX/XX/XXXX. I received a letter from University XXXX XXXX on XX/XX/XXXX. The letter was dated XX/XX/XXXX. University XXXX XXXX did not validate the debt but sent a transaction history and no document that bears a signature where I promise to pay. According to the National Student Loan Data System, the class was paid for in full of by student loan. University XXXX XXXX states that my withdrawal date was XX/XX/XXXX. University XXXX XXXX wrote off the debt on XX/XX/XXXX. Financial Business and Consumer Solution began contacting me on my phone starting in XXXX since then I have been getting random calls from different numbers. The calls are harassing and very annoying. I understand that a collection company can not contact after being told not to.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 my Nelnet account was transferred to XXXX to become my student loan servicer. My account is paid in full and closed. However, on my credit report, both the Nelnet and XXXX accounts are showing open and with balances. I have contacted Nelnet to have this updated. Their response was that they have reported the correct information to the credit bureaus and not to use third parties such as XXXX XXXX to get accurate reporting information. However, I have checked on all XXXX credit bureau websites and this information is listed. I have disputed this directly with all XXXX credit bureaus and their response with each dispute ( XXXX separate disputes in total with each of the XXXX bureaus ) is that the data furnisher has verified that all information is accurate. This is false. My accounts are closed and paid in full and transferred to XXXX. When I reached out to Nelnet, their response was that all information reported is correct. This is causing to show on my credit report that I have twice as much student loan debt than I actually have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy a car on XX/XX/2020 and the dealership ran a credit check with XXXX XXXX. XXXX XXXX ran my credit score and XXXX  had me at XXXX and Sage Stream, LLC. had me at XXXX. 

I researched and read reviews online and I found that Sage Stream, LLC. wants personal information to dispute and I don't want to give it to them if they are a fraud company, so I figured I would file a complaint with the Consumer Financial Protection Bureau to protect myself first. 

There is no way they can be on an island of their own over 300 points away from the other reporting agencies, I don't understand how they can be a reporting agency if this is what they are doing. Regardless, please look into this company because several others on XXXX XXXX at the link I have provided ( XXXX XXXX XXXXXXXX ) seem to have the exact same scores, so Sage Stream, LLC. just gives the same score to everyone.
Product: Credit reporting or other personal consumer reports

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX transition and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Experian, XXXX XXXX, XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that 'In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Experian, XXXX XXXX, XXXX ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Experian, XXXX XXXX, XXXX XXXX XXXX debt collector Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus XXXX, Equifax, and XXXX have listed on my Credit Report, XXXX XXXX XXXX and Original Creditor 12 XXXX XXXX in the amount of {$3700.00}. The issue is this shows as opened XX/XX/XXXX and that the Account is OPEN and all of that is Categorically False!! I have been with XXXX since XX/XX/XXXX making this debt over XXXX XXXX XXXX which should of been removed. 

These creditors do this all the time change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice is unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with you.
Product: Mortgage

We have a XXXX and XXXX with Bank of America. My husband and I have got caught up in the predatory lending of several years ago when the housing crashed. We continued to pay our mortgage, at XXXX point we were given a temporary modification ; however that did not solve the issue. I am well aware we make some bad decisions. When we signed the loan with an adjustable rate we were told it was only temporary and would only be within 5 years and we would be able to refinance to a fixed rate. 
We have repeatedly tried to get the loan modified to a fixed rate with a lower rate, currently we are paying 9 % adjustable and a XXXX at 12 % with a balloon.. We are paying over {$1800.00} for a {$200000.00} loan on a house that is not worth {$150000.00}. We made another attempt to have the loan modified, we were turned down. BOA turned down the modification, but stated they will support a short sale. We have been in this house over 21 years and have attempted to stay. They are basically saying they will give a lower rate/fair mortgage to a new buyer but will not work us ; with the customers who have paid faithfully when 'normal ' people in this situation would have walked away along time ago. We estimated we have paid them over {$200000.00} already. This should be a crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently applying for a mortgage and in reviewing my Experian credit report I noticed that there is an account with XXXX XXXX XXXX opened XX/XX/2019 on it that does not belong to me and is in arrears causing massive damage to my credit score and preventing me from getting a mortgage. I had received alerts that my information had been found on the dark web/ black market as far as my personal. I informed Experian about it and told them that the XXXX XXXX XXXX account does not belong to me that it is fraud. I have been fighting with Experian for over 60 days with this matter and I need this account removed. I have been advised by my attorney to file legal ACTION against XXXX and Experian to cure this matter. I have provided PROOF OF A POLICE REPORT SUPPORTING MY CLAIM and Experian is still ignoring it. I have not received any information from XXXX XXXX XXXX or Experian concluding their investigations. This is not my account. It is illegal to report incorrect information to the credit bureaus. The XXXX XXXX account has not been verified with any documentation stating that this account belongs to me. No name, no number, no letter has been provided to prove that this account belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit report that's costing me financial injury. I can't get a job apply for housing or credit cards. According to the FCRA several laws where broken
Product: Credit reporting, credit repair services, 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. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX 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 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: Checking or savings account

An overdraft fee of {$36.00} charge though the balance showed was in positive. Also bank is charging $  XXXX  monthly fee.
Product: Checking or savings account

I transferred funds from my XXXX Bank account to my CIT Bank account. The receipt shows that the funds were to have been transferred on XX/XX/XXXX : Confirmation : XXXX Transfer from : XXXX, XXXX Transfer to : MONEY MARKET ACCOUNT, XXXX Transfer on : XX/XX/XXXX On XXXX the funds were not in my CIT account so I sent a message through the web site asking why. They didn't answer, so on XX/XX/XXXX I sent them another message, asking them to respond to my message of XX/XX/XXXX. Then I logged into my XXXX account and saw that the funds had been removed, so I sent another message asking what happened. Then I called CIT Bank and spent an hour on hold ( yes really ) before they answered the phone and told me that the funds had been transferred. On XX/XX/XXXX they responded via the message center on their web site that the transfer had been completed on XX/XX/XXXX. On XX/XX/XXXX I saw the funds in my account but they were not available. I sent another message asking them, why it took 3 days for the transfer to be performed ( on XX/XX/XXXX rather than on XX/XX/XXXX per my receipt ), and why aren't the funds available now? They haven't responded. Today XX/XX/XXXX the funds are still not available.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I initiated an order via Affirm with the merchant XXXX. The payment was processed and was received on XX/XX/2021. 

On XX/XX/2021 I initiated a return with the merchant and made a return with the prepaid label the merchant provided ( attached below ) on XX/XX/2021. After speaking with the merchant over the next few days, I was informed on XX/XX/2021 by the merchant that the carrier confirmed they lost my return package that was insured by the merchant. The merchant subsequently decided to deny my refund request for unknown reason, as I have no control over the carrier losing the return. 

I spoke with Affirm over the span of the next few weeks regarding the carelessness of the merchant and how they were basically stealing my money as I provided proof that I no longer had the order in my possession as I returned it, effectively forcing me to pay for a product/service that was not as described, as in this case the phone was damaged which is why I initiated the return. 

Below you will find Affirms practices as a payment facilitator for their partner bank, XXXX XXXX Bank, did not meet the standards expected of a financial institution. Affirmed refused to initiate an investigation on their end, even though the merchant committed fraud by not returning my money for a product I returned. I would like Affirm investigated and XXXX services like these are becoming a huge problem. 

At this point, affirm is still forcing me to pay for this installment loan, even though I returned the products after not receiving the product I had ordered.
Product: Payday loan, title loan, or personal loan

This company is listed on my credit report as closed with a balnce of $ XXXXwith XXXX XXXX XXXX XXXX and XXXX credit reporting agencies. I requested verification/validation of the debt and account however the business failed to provide adequate proof. Considering that the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am obligated to pay for the alleged debt.
Product: Credit reporting or other personal consumer reports

I need this to be reviewed because it is not mine and it hurts my credit history I want it to be deleted XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I BEEN TRYING TO HET MY FREE CREDIT REPORT I NEVER HAD ANYTHING IN MY NAME I KEEP GETTING DENIED FOR MY CREDIT REPORT I PIT ALL MY INFORMATION IN CORRECTLY I XXXX  XXXX   XXXX BORN ON XXXX XXXX XXXX-XXXX-XXXX  DONT KNOW WHATS GOONG ON BUT I NEED TO GET TO THE BOTTOM OF IT SOON MY EMAIL IS XXXX MY MAILING ADDRESS IS XXXX XXXX XXXX XXXX XXXX Ohio XXXX  AND BEFORE THEN I STAYED ON XXXX XXXX XXXX XXXX XXXX OH XXXX   PLEASE HELP PLEASE ILL GIVE ANY DOCUMENTS I NEED TO PROVIDE TO YOU UPON YOUR REQUEST THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

My new Honda lease was over always paid on time with auto pay ( signed with Honda). I extended the lease and they said that all payment amount and withdraws will stay the same .Honda reported to the credit bureau that my account is closed when in fact is still
open ( still have the car ) on top of it all they did not charge my account for a payment when i realize i called many times try to reach them with crazy hold time. finely reach them and paid on the XXXX day, my accounts was never late in all my years. my credit score was always XXXX or greater and they caused it to drop down to mid XXXX their automated machine called me hundreds of time when you answer you can not reach no one
Product: Debt collection

the collection agency is GLA collections, i was contact by GLA collection agency about a medical debt what i owed the XXXX hospital, when i called the hospital i was told that i do n't owed them anything.i do remember that i went to a hospital and the bill was paid by a XXXX because i was unemployed and i was gave a form to file out for the debt to be taking care off.
Product: Credit reporting or other personal consumer reports

XXXX of XXXX  I reached out to the company to get help about updating my new bank account to make payments to my credit card balance. It took them nearly XXXX  month to respond. Then another month to help resolve the issue. Is this time I was hit with a late payment. After the resolution I requested the tech support personnel to please fix the issue. she stated " I will be forwarded the issue to our credit reporting department for accurate reporting ''. Nothing has been resolved and I'm still showing a late payment last year.
Product: Credit card

According to my XXXX Credit Report dated XXXX XXXX, XXXX, Sears/CBNA has submitted XXXX requests for credit history information. XXXX requests were submitted in the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX. Contact was made with the, following employees of Citibank , NA the responsible party for this account, on XXXX XXXX, XXXX, XXXX was contacted, on XXXX XXXX, XXXX, XXXX was contacted and on XXXX XXXX, XXXX, Praise was contacted. All three employees stated additional credit inquiries are requested when a major change is made to the account only. Citibank does not make continuous inquiries checks on their customers. However, someone in Citibank is making monthly inquiries into my credit history and on three separate occasions have made XXXX inquires inside one month. There has been no major changes to my account, my account is in good standing. The credit inquiries started XXXX XXXX, XXXX, previous to that there were no inquiries made. I am asking Citibank to investigate this matter as these checks are being used to obtain credit history information for something other than a work related purpose.