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

As per the Fair Credit Reporting Act ( 15 USC 1681 ), specifically section 602 ( a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. In this context, XXXX and Experian function as consumer reporting agencies, and I, as the consumer, have the right to ensure the confidentiality of my private information. This right is supported by 15 USC 6801, which declares the Congress 's policy that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. 

Pertaining to the disclosure of consumer reports, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer. I assert that neither the financial institution nor the consumer reporting agencies, XXXX and Experian, possess my consent or written authorization to furnish this information, revoking any prior consent, be it verbal, non-verbal, written, implied, or otherwise. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their option to exercise nondisclosure. However, the furnisher of information to credit agencies failed to provide me with information regarding my right to exercise the nondisclosure option. 

Furthermore, the reporting of adverse information without my permission is a violation of 15 USC 1681C ( a ) ( 5 ), which prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, unless related to convictions of crimes that precede the report by more than seven years.

Additionally, 15 U.S. Code 1681s2 ( a ) ( 1 ) stipulates that a person shall not furnish inaccurate information to a consumer reporting agency. XXXX and Experian 's actions in reporting adverse information without my consent constitute a violation of this provision. 

The requirement outlined in 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations of the Fair Credit Reporting Act. It is evident that XXXX and Experian are not adhering to these reasonable procedures. 

Finally, according to 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of the reporting services provided by XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681s-2 states that a creditor shall not furnish nor continue to furnish 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. I will provide my position below regarding this illegal contract where I am requesting a swift and immediate deletion. Additionally, the creditor shall not thereafter furnish to you nor any other agency, any information regarding this aged debt, which has already been deemed erroneous and illegal in nature due to the lack of valid documentation. 

On XX/XX/XXXX, I verbally requested from XXXX, XXXX XXXX XXXX and XXXX XXXX specific information to verify these alleged and erroneous debts and they could not provide me with any data to support that these debts belonged to me or if I was ever responsible for them. 

XXXX, XXXX XXXX XXXX and XXXX XXXX are highly misinformed and incorrect about these accounts, and they did not carry out the required due diligence on their end by reporting the invalid accounts and they must delete and remove this erroneous information from my credit files immediately and swiftly. I do not owe these creditors, and they have no valid right to place these debts on my credit files as derogatory.
Product: Mortgage

To Whom It May Concern, My name is XXXX XXXX, and I have been trying to work something out with my mortgage lender for about 3 months now and i constantly continue to request a short sale and the lender keeps saying that they do not approve short sales. I find this hard to believe since the Federal Government has had the underwater program in place since 2008 or earlier. I am reaching out to you to ensure that immediate attention is given to my concerns. I feel as if the lender is being unreasonable and I am desperate for help. I am trying my hardest to get this taken care of and they are not doing what the government says the lender should to provide me with foreclosure alternatives. I need your help. I need your assistance. I need for you to intervene and review my documentation for the short sale. I have a buyer, i have a good contract and i a need.
Product: Checking or savings account

XX/XX/year> # XXXX XXXX  {$120.00} sent to wrong person. 
I was told to ask them fornit back directly. I couldn't being that I had only one option if communication which was the refund Button. Please keep inund that I contactedbsuppoetbwithin XXXX secs. The cashapp user known as XXXX XXXX XXXXeclined to return my money. My email is XXXX and my cashtag is $ XXXX
Product: Student loan

I called EdFinancial Services loan provider back in XX/XX/XXXX requesting a refund in the amount of XXXX for payments made after XX/XX/XXXX. However, the customer service representative advised me that I should expect the refund to process in 6-8 months. This timeline is absolutely unacceptable in this economy as other loan providers are quoting 6-10 weeks. I suspect EdFinancial Services is delaying their refund process into next year so that they can charge/collect interest from borrowers after the interest freeze. This is unethical practice. Essentially, I paid off all my loans in the amount of XXXX in XXXX to avoid paying interest. EdFinancial Services understands this and plans on reinstating my loans until XX/XX/XXXX so that I end up paying interest all because they took " too long '' to reinstate my loans. Please help us consumers. With that said, EdFinancial Services is taking advantage of borrowers who already paid off all their Direct Loans in full. 

In addition, I am unable to apply for student loan forgiveness with the Department of Education until the refund is processed. 

More context : My loans were paid in full with XXXX XXXX XXXX. With that said, my information was transferred over to EdFinancial Services. In other words, EdFinancial Services can only find my account in their system through XXXX XXXX XXXX. This might help when you reach out to EdFinancial Services. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Midland Credit Management stating that I owe a debt in the amount of {$740.00}. I was informed that the Original Creditor was XXXX XXXX XXXX. I never opened an account with XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX  and the stated I allegedly opened an account back in XXXX. Midland Credit Management is reporting that I opened this account in XX/XX/XXXX. During this time I was in Texas performing my duty with the XXXX. This is heart breaking to find out.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.
Product: Student loan

Please Help! I had a XXXX XXXX loan. I had a deferment during the Recession, for a couple months. My loan was divided into 9 different loans, and was reduced to 2, with American Education Services. The original loan, was about {$38.00}, XXXX. When the loan was sold,! XXXX, XXXX, was added. I have basically paid approx. 435.00 a month, at the interest rate of 6.62 % for 20 years. 
That adds up to approx. {$100000.00}, is what I have PAID in total for 20 YEARS.. 
AES states, I still owe XXXX By their estimation, I have paid nothing. How can the Government allow, this? 
This is OUTRAGEOUS. I have paid in FULL, the original amount, and more, TWO times This loan has been paid. I am asking for it to be considered, PAID IN FULL. 
This is not Forgiveness. I PAID! I am not asking for anything free.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am writing to dispute inaccurate information on my credit report related to my XXXX account ( # XXXX ). Specifically, there is an erroneous late payment reported for XX/XX/XXXX, which does not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment reported for XX/XX/XXXX is incorrect. I have consistently made all payments on time, as this account has been enrolled in autopay. 
Violations of Federal Laws : This misreporting violates the Fair Credit Reporting Act ( FCRA ) under sections 15 U.S.C. 1681i and 1681s-2, which require maximum accuracy in credit reporting and timely correction of errors.

This reporting may also violate the Truth in Lending Act ( TILA ), as it misrepresents my payment obligations. 
Account Information Account Type : Auto Lease Account Number : XXXX High Balance : {$21000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Open and Current Monthly Payment : {$580.00} Payment History : Incorrectly shows a XXXX late payment in XX/XX/XXXX. 
Requested Resolution I request that TransUnion conduct a thorough investigation and remove the inaccurate late payment from XX/XX/XXXX. I also request confirmation of the corrected information in writing within 30 days of receiving this dispute. 
Attached, you will find supporting documentation demonstrating timely payments, including bank statements and autopay confirmations. 
Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In a previous dispute by mail with Experian submited in XX/XX/XXXX, their reply was they will not re-investigate any request until i provide information to conduct future investigation which I did again in XX/XX/XXXX notarized letter and certified mail. I sent proof of innacurate information from the same source compared with the other 2 bureaus After completed the inevstigation their results are updating accounts with same innacurate information causing damage to my credit report for posting false information in a clear violation to the FCRA providing innacurate and false information. 
Also asking to Experian to open their files to compare with my records and they never sent me anything or even a contract betwen me and the creditor accounts under investigation or dispute.
Product: Mortgage

Fir the last 4 months citizen bank mortgage department has been putting road block after roadblock up while I was applying for an equity line of credit. I should have qualified, but they continually asked repeatedly for documents I already sent ; then they had me send documents to many different people ( via email ) Each time I have sent them information, they kept asking for the same information in a different way. 
I am a long time premier customer, who has been treated like I dont have any money to back up my qualifications for this loan. 
I feel they are dragging their feet because of my age, and gender, snd marital status. 
There is plenty of documentation that should allow me to qualify. 
They have made plenty of money from my accounts, over the years from Mortgages and pension program I started there. 
I have a great credit score and money to back up the equity line of credit. 

I feel their mortgage department should be investigated especially denials to customers, who are older, female, and single.I
Product: Credit reporting or other personal consumer reports

I had a prepaid XXXX XXXX credit card. 
It was collaterized to rebuild my credit. 
The card was closed with XXXX balance. 
XXXX XXXX has continued to state I was late on payments when there was never a balance and the card was closed. 
Trying to contact them is impossible I have tried via phone and the line goes dead. 

I want them to acknowledge my account was closed with XXXX balance and not have them continue to fraudulently claim my account is XX/XX/year> days late. 

There was never any balance period It was a pre paid card. 

XXXX XXXX XXXX XXXX card Last digits XXXX XXXX XXXX XXXX
Product: Checking or savings account

Around XXXX chime closed my accounts checking savings and credit builder with no explanation they said I violated terms of agreement because I deposited " tons of cash '' into my account i was receiving funds from my other account. sofi through ACH transfer to this day this say I can't get a refund and not eligible for a refund to mail me a check? I verified, my bank statements from my XXXX. Account and sent in my ID and they still haven't said anything but that I am not eligible for a refund so they supposedly closed my account with the remaining balance in there and and they theres nothing there and also money in my credit builder which they say there isn't and I know this because I had XXXX my XXXX  account login in and seen my balance and also because a company was refunding some of my money I had. And on top of that one of there members told me the balance on the accounts. They keep saying that I am not eligible for a refund and that they closed my account for " tons of cash '' and volition of terms of us I don't know how but this is what they are saying i verified. My ID and also my bank statements from my other bank sofi where I sent some money to the chime account and they still saying no?
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I saw an ad on XXXX  for sign up to eToro and if I trade {$5000.00} I will get a bonus of {$500.00}. 

I clicked on that ad, signed up, and made trades for {$5000.00}. 

I have not received the bonus so I contacted their support to see when I will receive it. 
The response was " Due to the high recent demands in cryptocurrencies we are experiencing a large increase in customer inquiries and registrations. We are working to get through this backlog as quickly as possible. We have expanded our customer service teams in order to provide faster service. '' A week later I contacted the Account manager XXXX XXXX asking when i will get my bonus. No response. 

At the beginning of XX/XX/2021, I contacted customer service again telling them that its been 60 days. No response. 

I contacted them again towards the end of XXXX. And this is the response I got. " Thanks for bearing with us. 

Please note that your account was not made via a valid promotional link. This means that we can not credit you with a {$500.00} signup promotional bonus. "
Product: Student loan

I have asked numerous times for help from Sallie Mae and continuously they have done nothing but offer forbearance I finally caught back up and again ended up falling behind. Today I received a call from their corprate bank asking to help resolve the issue. After several times of being cut off from speak the lady only repeated that they have given me the loan and now I need to pay them back. When I ask for options and help she instead of offering help from the company told me to ask my friends and family for money and told me to try filing for wellfare and food stamps. They refuse to offer me anything because my loan is so small. And said all they could do is come down a dollar on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD AFTERNOON, I AM INQUIRING ON THE INSTABILITY OF THE FOLLOWING CREDITORS, FAILING TO REPORT INFORMATION AS THEY SHOULD TO XXXX ( CREDIT REPORTING AGENCY ) : -XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX ALL OF MY CREDIT INFORMATION WITH XXXX WAS REPORTING FINE ON MY PREVIOUS REPORTS. THIS IS CRUCIAL, AND DISABLING THE ELIGIBILITY OF BEING ABLE TO BUY A HOME/OR GO THROUGH THE MORTGAGE PROCESS OVERALL. I HAVE BEEN IN CONTACT WITH MY CREDIT MONITORING REPRESENTATIVES, ALONG WITH XXXX THEMSELVES. THEY STATE THAT EVERYTHING IS GOOD ON THEIR END. IN THIS CASE, THE ABOVE MENTIONED CREDITORS ARE NOT GOING BY WHAT THEY'RE ENTITLED TO DO. I AM REQUESTING FOR THEM TO START REPORTING MY INFORMATION AGAIN, I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTIONS WITH THIS. I GREATLY APPRECIATE IT.
Product: Debt collection

In XXXX a voicemail was left on my mothers phone from this company regarding collection efforts on a red light enforcement citation ( {$50.00} ). This has not been my contact information for several years. At the time the voicemail was left I contacted the company and asked that they contact my direct number ( cell ) and remove her phone number. They did not and continued calling a nonparty to this citation even when having the correct information. I explained my mother was XXXX and recently laid off due to COVID-19.  However, on XX/XX/XXXX they contacted her again. I have yet to receive a voicemail or collection attempt on my correct contact information. Further, this company refuses to settle and also told me they would not accept payment by phone even though their notification letter states they do.
Product: Credit card

Dear CFPB, My name is XXXX, living in XXXX, Florida. I am writing this letter to file a complaint about CITI bank customer representatives who intentionally misled me that resulted in my financial loss. 

I have applied a AT & T citi credit card on XXXX XXXX. The open bonus of this credit card is {$650.00} sign-up bonus! In order to get the bonus, you need : spend {$2000.00} in first three months and purchased a full price iphone 6S through a special link in my Citi account. Since XX/XX/XXXX to XX/XX/XXXX ( within the first three months ), I have had web live chats and phone calls with citi representatives to confirm that I had met all requirements. They kept saying to me that I have met the requirement and I can get {$650.00} open bonus again and again. However, after waiting three months, it did n't happen and I was told by CITI bank thenthat I have n't met the requirement of {$2000.00} spending. Thus, I believe that I was treated unfairly that results in my financial loss. 

I have enclosed the purchase receipt of iphone 6s by using this card ( ending XXXX ), and a web live chat transcript happened on XXXX XXXX, XXXX for your references. The audio record happened on XXXX XXXX, XXXX will once again demonstrate that I was confirmed by the citi representative that I have fully met the requirements. Therefore, I request to get the full bonus as the statement Citi promised. 

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

My credit was rejected the day before closing on a house. The only new information that showed on my report after this happened was two reports by XXXX for accounts that belong to my son and daughter. Since it cost me a home purchase, I was disappointed that all three credit reporting agencies ( XXXX, Equifax, and XXXX ) failed to validate that this was my account before adding it to my report. When I notified all three credit reporting agencies, XXXX immediately removed the two XXXX reports ; however, XXXX is still waiting for XXXX to respond and Equifax closed the dispute, stating that they verified that the accounts are mine. Equifax has no intention of removing the XXXX accounts that do not belong to me and XXXX may follow suit. These are apparently accounts for some type of lab that a doctor ordered for my son  in XXXX and my daughter in XXXX. My son was XXXX XXXX XXXX and not covered on my insurance in XXXX and I would not have been with my adult son when he went to the doctor. My daughter was XXXX XXXX XXXX and covered under my insurance as a secondary insurance in XXXX, but I also would not have been at her doctor appointments either. Since I did not attend these appointments, and even my children would not have known whether the insurance would cover the lab work, I had no way of knowing that these charges existed. I have no idea why XXXX is suddenly adding my children 's bills to my credit report, or why they haven't reached out to my children or reported these on my children 's credit reports. I do know that the accounts do not belong to me and I did not know they existed, even my adult children would not have been notified if their insurance had determined a lab charge to be incorrect or not allowed. There is no logical reason for the XXXX credit reporting agencies to add these collections to my report, causing me to lose all of the money I paid toward inspections and appraisals on a home I was one day away from closing on. Currently, there is absolutely no way that Equifax could have possibly verified these account as belonging to me, yet they refuse to remove them ; and worse still, there is no way of knowing when the XXXX credit reporting agencies might decide to allow collection agencies to add someone else 's debt to my report again. XXXX does not have ads everywhere promoting their paid services, but Equifax and XXXX do ; maybe to them, allowing these types of false claims will force consumers to pay for their premier services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for mortgage loan back on XX/XX/2020 and had a credit inquiry placed on my credit report by Credco. This is understandable as I signed an application knowing my credit would be checked that day. One inquiry was noted on my Transunion report as well as my XX/XX/XXXX report. No issues. Then I noticed on XX/XX/2020 that I had another inquiry from the same company on my XX/XX/XXXX report in 2 inquiries on my transunion report. this was never authorized and I was never notified that my credit report had been viewed fraudulently.
Product: Vehicle loan or lease

I did not authorize XXXX XXXX to run my credit on XX/XX/2022. I also did not authorize them to run my credit through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I only authorized XXXX XXXX to run it through their service.
Product: Checking or savings account

My bank account was closed by Citi Bank I tried for XXXX to get the money that was still in the account that was from my last paycheck from my old job which I've still yet to receive they claimed multiple times to have mailed a check but I never got anything. When I was on vacation in XXXX XXXX at XXXX XXXX I visited a branch of theirs and provided all information and the bank still refused to give me my money it's been over XXXX and now they have completely stopped communicating with me and refusing to give me my money