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

In accordance with the fair credit reporting act Account : 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 an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried obtaining my credit reports from all 3 agencies at  XXXX. I was able to view and print my complete XXXX  credit report but not the XXXX  and Equifax reports. 

I'm certain all the verification information I provided was accurate. The fact that i got my XXXX  report is indicative of that. Equifax and XXXX  are putting unnecessary roadblocks to stop consumers from accessing their credit reports. 

Both Equifax and XXXX asked me to send in my request by mail ( Equifax also requested id proof with SSN ). I'm not comfortable sending my personal information in printed format to these companies  seeing how careless they have been with consumer data before.
Product: Vehicle loan or lease

I leased a XXXX  XXXX XXXX XXXX from XXXX XXXX in XXXX Tennessee. When the 3 years was up I purchased the vehicle. I was told I had to purchase extra add on packages. I tried to cancel them. No one has ever called me back.
Product: Credit reporting or other personal consumer reports

The credit bureau TransUnion XXXX TransUnion has out dated in accurate items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Section 2 : I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XXXXXXXX XXXX XXXX was my electric utility in my old house, due to divorce the house was being foreclosed on before the foreclosure i moved and relinquished the house to the bank. I moved and 1 1/2 hours away and placed a change of address. My bill was paid in full at the time that i moved and closed the account. The bank owned the property as of XX/XX/2017 and i never received anything from XXXXXXXX XXXX XXXX at my new address showing any bill otherwise i would have contacted them back in 2017 now a collection agency has posted a collection on my credit report that is not mine.
Product: Debt collection

The account was reported on XXXX on XX/XX/XXXX. On XX/XX/XXXX I paid the account in full under the verbal agreement that it would be removed from my account. 
It has been over 2 months and they have not updated this paid status to any of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent accounts in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXX also the inaccurate personal information : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX C showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

I have previously submitted numerous requests to your company to reassess the inquiry on my credit report, which I believe to be erroneous. Are you not obligated to conclude such investigations within 30 days of receiving them? I am aware of instances where companies have accessed individuals ' credit without a legitimate purpose, and I have yet to receive any verification of such reasons from your organization. I have made attempts to reach each of the companies listed, and the majority have no record of me whatsoever. How can they claim a legitimate business purpose to access my credit if they are unaware of my existence? 

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

I disputed inquiries that were not made by me however I have not heard back from them XXXX, Equifax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates, LLC keeps putting inaccurate information on my XXXX and XXXX reports. I never had this debt with this company and I am prevented from getting credit due to a low credit score. The company sent me a letter stating that they are unable to collect on the debt because it is too old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the inaccurate items in my credit report. It has been well over XXXX ( XXXX ) days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in relation to the unlawful reinsertion of a charge-off account from XXXXXXXX XXXX  XXXX on my credit report. This account was previously disputed and successfully removed on XX/XX/year>. However, it was reinserted without proper notification or adherence to FCRA requirements. Below are the details of my complaint : Account Information : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Violations of the FCRA : FCRA Section 611 ( a ) ( 5 ) ( B ) : Experian failed to notify me in writing within five business days of the reinsertion. 
No statement was provided that the account had been reinserted. 
Experian did not supply the furnishers contact information. 
I was not informed of my right to add a dispute statement. 

FCRA Section 623 ( a ) ( 1 ) ( A ) : Experian reported information with knowledge or reasonable grounds to believe it was inaccurate. 

FCRA Section 623 ( b ) ( 1 ) : Experian failed to conduct a proper investigation upon receiving notice of my dispute. 

FCRA Section 605B : Experian neglected to block fraudulent or unverifiable information promptly upon receiving appropriate documentation, including proof of identity and my previous dispute. 

FCRA Section 611 ( a ) ( 1 ) : Experian failed to conduct a reasonable reinvestigation of the disputed account. 

The reinsertion of this account has negatively impacted my credit standing and caused undue stress. The lack of transparency and failure to comply with the FCRA has eroded my trust in Experians reporting practices. 
I request the immediate deletion of the reinserted charge-off account from my Experian credit report. 
I urge the CFPB to take immediate action to ensure Experians compliance with the FCRA and hold them accountable for their violations. Their failure to follow the law has caused significant harm, and I trust the CFPB will address this matter promptly. 
I also want to state clearly that I am acting entirely on my own behalf in this matter and am not employing or contracting with any credit repair company. All actions taken to dispute and resolve this issue are solely my own. 

I have attached the following documents to substantiate my complaint : Copies of prior dispute correspondence. 
Confirmation of the accounts initial deletion. 
Proof of identity and address. 

Thank you for your attention to this complaint.
Product: Payday loan, title loan, personal loan, or advance loan

Loan # XXXX, in the amount of {$1100.00}, with a first payment due date of XX/XX/XXXX, was paid in the full amount of {$1100.00} onXX/XX/XXXX.

Online account still reflects balance due of {$140.00}, but when I view the transaction history in the same online account, it reflects a balance due of {$8.00}. 
When I contacted Advance America at their telephone service center, a representative said I owed the {$140.00} instead of the balance reflected in the transaction history. 
I have made several recent loans with this firm and paid them all off before the first payment date, and never had this occur before.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : DEPTEDXXXX # XXXX Account Name : DEPT OF EDUCATION/XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : US DEPT OF EDXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX  XX/XX/year>
Product: Mortgage

This complaint is against Bank of America regarding my mortgage. On XX/XX/2019, I made a payment on my mortgage in the amount of {$1100.00} through XXXX XXXX. A few days later, Bank of America returned my payment claiming that XXXX XXXX has insufficient funds. I called them immediately and organized a three-way conference call with XXXX XXXX who confirmed that the payment has been deducted and had sufficient funds on the account. I furthermore sent in proof from my XXXX statements that there were sufficient funds and no money had been returned from Bank of America. This was several times confirmed by the customer service representatives when I called in. ( My girlfriend, who listened in, witnessed these calls. ) However, it happened on several occasions that some incompetent customer service representatives did not find the documents and told me to start back at square one. This has been going on for at least ten weeks and I put in at least sixteen hours for this issue. I have always been given a deadline as to when this issue will be solved. As to this day, after the fourth deadline has passed, as I know from friends that this issue happened to other customers, that this behavior of Bank of America is grossly negligent and incompetent at best or criminal at worst. The Consumer Financial Protection Bureau needs to take adequate steps against that company. I want to be compensated for this unprofessional behavior, which is bordering criminal behavior.
Product: Debt collection

Klarna, a buy now pay later company, was used to purchase an item from XXXX on XX/XX/year>. The item was returned IN STORE on XX/XX/year>. Klarna has been contacted XXXX or 7 times since then via chat AND telephone with the latest contact being today, XX/XX/year>. Their agents REFUSE to do anything other than " report a problem '' or tell me to contact XXXX. I contacted XXXX twice and both salespeople told me the same thing on XXXX occasions. We ( XXXX ) returned it in the system, Klarna has to do their part now. When I give them ( Klarna ) the information on said problem about the return, they say I didn't give any information, which is a flat out lie at this point. I have gone back and forth with them several times, and each time they have a different excuse AFTER making me wait weeks or months for a " decision ''. I have spent HOURS just trying to get my item returned with them so they won't charge me. They will be charging me {$47.00} for an item that was returned, which is basically theft on their part as I paid for a product I returned, therefore have no product and they would be stealing my money. DO NOT USE KLARNA EVER!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00}, XXXX XXXX XXXXXXXX Balance : {$410.00}, XXXX XXXX XXXX Balance : {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX ( Original Creditor : XXXX XXXX ), I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Student loan

Am being called several times a day from the same number. No messages are left they call and hang up!!
Product: Mortgage

I started refinance on 5 investment properties with Intercontinental Capital Group in XX/XX/2021. By the time I received closing disclosures, the fee exceeds the loan estimate by 2 % of the loan amount. Then they told me that they can not honor the original term for 3 of loans, but can still restart the other 3 loans. After a couple months, the new closing disclosures still have the extra fees. Then we reached a deal to cancel the refinance, but they promised to refund me all refinance costs that I already paid out of pocket. It's been over half year since then, and they still haven't refund the total refinance cost. In the past week, they even stopped responding to my email and text messages. 

I also did my main home refinance with them at the same time, and at closing disclosure they also tagged on 2 % extra fee, and I have to take an extra .25 % interest rate to remove these fees. Since the rate was still below my previous loan, I took the deal though in this instance, though it's not what they promised in the original loan estimate. 

Overall, I feel this company is very dishonest in their business practice, and is running a classic bait-and-switch business practice. I had a nightmare experience dealing with this company in the past year, as they keep breaking their promises and abuse customer trust. 

I worked in mortgage industry myself and can't believe with all the customer protection laws passed in the past 20 years, there is still such company doing business this way and dodging regulation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is furnishing inaccurate information to Experian. I have an equitable interest in my application which is letter of credit that XXXX XXXX accepted. The interest every month should be used to settle the account therefore the account can not be late. Experian is benefiting from XXXX XXXX selling this information to them to report inaccurate to damage my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently deleted my former employer XXXX XXXX XXXX XXXX XXXX from my credit report. IRS & The Social security Administration can confirm that I was employed by the company from XXXX. XXXX XXXX have been deleted from XXXX, XXXX XXXX deleted from XXXX, XXXX XXXX. My identity have been stolen, in order to receive my social security XXXX I need my credit report to reflect these employers. For IRS. I 've sent you my name change also. I need for my report to reflect these changes. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I mailed you all of these changes.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$440.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In short, this company is in violation of the law. They are reporting inaccurate late payments on my credit report from 2017. I was not late and have showed this company proof of my payments yet they still refuse to remove the late payments. Also, according to the law while an account is in dispute I, the consumer should not make any payments to the company and the company can not report my account to the credit bureaus while the account is in dispute. Once again Conns has acted as they are above the law and violated my rights as a consumer. ( Please see attached for more detail on the situation )
Product: Credit reporting, credit repair services, or other personal consumer reports

After notifying XXXX of Unauthorized charges they continued to charge me again, and with the effects of Covid looming over the entire world, it is impossible to communicate with anybody about this issue. In XXXX they ( XXXX ) issued me half of a credit XXXX of a XXXX charge, and then proceeded to charge me again XXXX on XX/XX/XXXX. In the midst of the back, and forth with these unauthorized charges that XXXX XXXX XXXX should not have allowed, there was a payment missed that I was not aware of, and it has affected my credit rating. Now I am looking to obtain a mortgage, and these ridiculous unauthorized charges have affected my credit score .Please have my credit score restored, while I resolve this dispute with XXXX  XXXX XXXX allowing the, after I told them not to accept charges from these people at XXXX , and XXXX to stop.
Product: Checking or savings account

I HAVE ALREADY HAVE MANY PROBLEMS WITH THIS BANK I MADE A PAYMENT OF {$1000.00} TO XXXX XXXX, BUT CITIBANK RETURNED THE PAYMENT WITHOUT MY AUTHORIZATION WHEN I REALIZED THIS CALL CITIBANK TO CANCEL WHICH OPEN DISPUTE IN MY NAME THE BANK CANCELED THE DISPUTE AND RETURNED THE FUNDS, BUT NOW XXXX XXXX DOES NOT RECEIVE THE ALREADY I PREVIOUSLY MADE A DISPUTE ON THIS INFORMATION AND CITIBANK ANSWERS THAT THE FUNDS HAVE XXXX XXXX SAYING THAT XXXX XXXX IS THE BANK OF XXXX XXXX BUT IT IS NOT TO ME I ALREADY CALL XXXX XXXX AND COMMENT XXXX FROM CITI BANK 'S RESPONSE BUT XXXX XXXX SAYS XXXX XXXX  IS NOT ITS BANK, XXXX XXXX SAYS THAT THE BANK OF THEM IS ( XXXX XXXX ) NOT XXXX XXXX TO WHICH CITIBANK DELIVERED THE FUNDS TO ANOTHER REMOVAL OBTAINED FROM THE SAME BANK CITI BANK ... AND THROUGH THIS PROBLEM AND RECEIVED CHARGES OF {$350.00} FOR PAYMENTS AFTERNOON AND FOR INTERESTS ..
Product: Student loan

The loan was originally with ECMC. I consolidated the loan to my fedloan account back in XXXX of last year. XXXX confirms that the consolidation was completed and that a check for XXXX was sent to ECMC on XXXX. ECMC turned the loan over to XXXX after they had receieved tha payoff from XXXX ( Acount NUmber XXXX ). I have worked with XXXX, ECMC and XXXX to in an attempt to resolve the issue. XXXX indicated that it is up to me to get ECMC to turnover the funds from XXXX to them, XXXX is indicating that they have reached out to ECMC to get them to return the funds but have not been successful to date. I can not afford to pay both XXXX and XXXX for the loan. ECMC needs to return the funds to XXXX so they can pay XXXX.
Product: Student loan

I attended XXXX college in XXXX California XX/XX/XXXX-XX/XX/XXXX upon enrolling I was told that i would n't have to pay anything until after i graduated ; however, some time later i got called into the financial aid office telling me that my loan was n't gon na cover all of my tuition. They made me take out a " Genesis '' loan and told me i would have to make payments while i was at school or they would n't allow me to continue. Some time later after the closure and lawsuit of corinthians I get a letter in the mail saying my " Genesis '' loan was being moved to another company called XXXX. I was told that i would have to pay this no matter what.