23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Today, I applied as a co-signer for my daughters Sallie Mae Student Loan. I am XXXX and there fore my source of income comes from XXXX. The application was denied based on fraud. They made false claims against me in regards to my credit worthiness. I was also told by a supervisor that they do not base approval on the fico score. I was told credit scores have nothing to do with their decision making. But, in the denial they told me my credit score is adverse. I am accused of having delinquent accounts. And I am also told too few accounts get paid as agreed. These are lies. I feel like they just did not like the fact that my source of income comes from XXXX. Why would they have to lie about my credit report? The only reason would be if they had another reason as to why they wanted to deny me. And they could not find anything negative enough on my report to HONESTLY deny the loan. So, they MADE UP LIES. I bet there are many borrowers that receive employment income with a whole lot worse credit then myself that they have approved for loans. My daughter is devastated. She needed the loan to complete her schooling. I was also told that they only go by credit worthiness of showing ability to pay. I do n't have negative collections showing up on my report. How many other loans get approved for those who income is from XXXX? Probably none. After what they did to me today. I would not doubt that at all. Can anything be done about it?
Product: Vehicle loan or lease

" I have been a customer of Truist Bank for about three years and until recently, I thought my experience was decent. However, I'm incredibly frustrated with the way they've handled my car loan account XXXX XXXXXXXXXXXX few months ago, I noticed a balance on my account that was unexpectedly higher than my usual monthly payment. After reaching out to customer service, I was repeatedly told that my previous payment hadn't cleared. It turns out I accidentally missed a payment in XX/XX/year>, but what infuriates me is that Truist Bank never bothered to notify me about it. Instead, I was blindsided by over {$650.00} in monthly late fees.<br /><br />Despite my attempts to resolve this issue, the bank has shown a complete lack of concern or willingness to help. Their customer service is appalling, and it feels like they prioritize profit over their customers. I'm beyond disappointed with Truist Bank and their handling of my account. I urge others to be cautious when dealing with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has acknowledged that the account reported by XXXXTransUnion has been settled and closed paid/ Never late. We request XXXX/TransUnion to accurately reflect this updated information on the credit report. 

Furthermore, XXXX XXXX XXXX XXXX is being accused of engaging in corporate malfeasance, including detrimental credit reporting practices and the unauthorized repossession of a vehicle owned by the consumer. While the account in question has been closed, the inaccuracies surrounding the incident have not been rectified. 

In addition, it should be noted that I have not previously raised this issue with XXXX. This communication serves as formal notice that inaccuracies present in the credit report are adversely affecting the consumer. Despite being aware of the disputed nature of this account and its involvement in legal proceedings, TransUnion has persistently maintained the erroneous reporting. 

I am hereby requesting a compensation of {$3000.00} for the harm caused by these inaccuracies. Failure to address this matter adequately will compel me to seek redress through appropriate legal channels, utilizing this communication as evidence to support my claim.. 

Furthermore, it is imperative to highlight that TransUnion 's actions may be in violation of the U.S. Code concerning late payments, specifically 15 U.S. Code 1666b. This violation is pertinent as the transaction in question was conducted using a credit card and a negotiable instrument. Such non-compliance with federal regulations further underscores the gravity of the inaccuracies in the credit reporting system and their detrimental impact on the consumer. 
TRANSUNION CONSIDER THIS YOUR OPPORTUNITY TO CURE
Product: Credit card

Received notification on XX/XX/24 of my account being closed as they claimed my credit score was not worthy and stated it was at a XXXX. I filed a dispute on XX/XX/24. I have evidence that states my score is XXXX higher than theyre reporting, but now they will have damaged my score when the next reporting schedule happens. 

I have never missed a payment and had no outstanding balance at time of closure and have no recent ( >2 years ) derogatory marks from any of my other creditors that I currently have for revolving accounts.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person, I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Bank account or service

I would Like to open up a complaint On wells fargo bank I sent them a letter on XX/XX/XXXX to Investigate a credit inquiry On XXXX and XXXX report I also sent a copy of a police report explaining that I was a victim of id Theft They fail respond to my request its been well over 30 days
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of unauthorized inquiries that appear on my credit report. These inquiries were made without my consent and negatively impact my XXXX XXXX and my ability to obtain financing. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that only authorized and verified inquiries remain on my report. Below are the unauthorized inquiries that should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attempted to contact the entities responsible for these inquiries to verify their authorization, but I have not received any response that justifies these actions. Therefore, I consider these inquiries unauthorized and fraudulent. 

I am attaching a copy of my identification and proof of address to verify my identity. I am also including a Federal Trade Commission ( FTC ) Identity Theft Report and any other necessary documentation to support my case. 

I request that, in accordance with the FCRA, these unauthorized inquiries be removed from my credit report immediately. Please notify me once this action has been completed or if additional information is required to process my request. 

Thank you in advance for your attention and prompt resolution of this matter. I am available for any further clarification at [ your phone number ] or [ your email address ].
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card or prepaid card

I sent Synchrony Bank my coupon indorsed for payment to balance the account. Mailed certified XX/XX/2021. They refused to accept it. They have not returned my payment coupon & continue to attempt collection stating they have not received payment. Out of fear for a suboptimal credit score I have sent additional payments to maintain an account in good standing. I contacted customer service online XX/XX/2021 to ask that my remittance coupon be returned. It was not. I second sent a letter has been mailed registered XX/XX/2021 with copies of the previous mailing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. Also, I want to dispute these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. Please correct these accounts.
Product: Credit card or prepaid card

I've made a payment of {$1000.00} to my Citi AAdvantage credit card (  ending in XXXX ) on XX/XX/2020. Due to COVID-19, I've been forced to withdraw my XXXX and pay for my credit cards as my family income has been reduced. I've paid down about 11 credit accounts on the XXXX and XXXX of XXXX, however, this is the only account has not cleared the payment. All other creditors have cleared my payment so far with a couple clearing them 2-3 days after. Once I interacted with the Citi employee via in-app messaging, they relayed to me that my payment would not get cleared until the XXXX of XXXX. 2 weeks to clear a payment is not fair practice based on how all other creditors have treated me. In my opinion, this should be resolved between the creditor and client without the involvement of OCC or other entities as it abuses the client 's time and extends undue hardship to the client.
Product: Mortgage

I am submitting this claim involving Specialized Loan Servicing ( XXXX ). From XX/XX/XXXX till JXX/XX/XXXX I was in there 6 month program to catch on my mortgage and which I completed that after paying  {$620.00} for six months. And, now there saying I owe additional fees after 7 months of not hearing anything in reference to additional fees, my XX/XX/XXXX payment went from {$580.00} to {$670.00} and while in the program I was told by a agent No additional fees for scheduling my payment by phone and by scheduling my paying on the XX/XX/XXXX of each month while in the program. I stared my regular mortgage on XX/XX/XXXX of {$580.00} and scheduled by phone to be paid XX/XX/XXXX and no agent mention to me about and other additional fees, now I see my XX/XX/XXXX payment has a extra fee of XXXX something dollars after seven months. How could any home owner go 7 months without knowing about additional fees after knowing being told No fees applied for scheduling by phone and scheduling to pay on the XX/XX/XXXX of each month while in the program. I really would like these fees to come off my account because its unfair on my part. Thank for your help and time XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the account in full back in XX/XX/2016. but after I have been having porblem on my credit approvals and refused for credit line, loans. I pulled my credit report and I found Synchrony Bank was reporting the account and as charge off and wrong late payments for 2 years damaging my finances and credit score therefore my life. causing hardship. 
As i called to dispute it with credit bureaus requesting removal of the incorrect payment statue and incorrect payments history from my credit report. their response was that they contacted the Synchrony Bank and was verified. 

I m requesting a full removal of the account from my credit report.
Product: Money transfer, virtual currency, or money service

Claim # XXXX I bank with chase bank that has XXXX on it, every 6 months I do a check on how Im doing for the year. I check and found XXXX worth of XXXX payments. I disputed it and I was sent to they protection group. The woman I was speaking with told me someone in XXXX tried to do a transaction was it you, I said no maybe it was me cause Im in XXXX which is near XXXX. She said no sir it cant be you or that. I went through all the security steps, changing my user name, XXXX email password everything when we got done, I got a credited XXXX, they reversed it cause they said they seen it was a clean transaction. But thats not my fault it was a clean transaction. Fraud usually is clean transactions that is unnoticed until it is noticed, if fraud wasnt noticeable right in the moment wouldnt nobody be getting fraudulent things done to them. I asked for the record of the time I called in they say they dont record every call, I asked for a manager they busy, I shouldnt have to be charged for a charge I didnt do
Product: Credit reporting or other personal consumer reports

The list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ; I did not give any written instructions to furnish my account, to these listed accounts mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : 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  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: Vehicle loan or lease

Genessee Financial XXXX  {$9600.00} I never got any infomation from this repossession are a notice of sell of this vehicle could you provide me with this information, i need proof of these notice.
Product: Credit card

I got a bank of america credit card because in speaking with a phone rep there I was told certain terms regarding a balance transfer I planned to do. After applying for the card and being approved I saw that the information I was given was false so I called and complained to bank of america and cancelled the balance transfer I had initiated. I then used another credit card at another bank to do the balance transfer. 

A few weeks later I was notified by bank of america credit card that my balance transfer had gone through. I previously had complained and canceled this balance transfer due to being given false information- so why did they do this? I called to correct the matter and after spending many many hours on the phone... they do not have a functional phone system or customer service. It is designed to waste your time. Non- functioning automated systems, terrible over seas call centers, incompetence, disconnections, hold times of over an hour .... a nightmare. Eventually I reached a supervisor XXXX XXXX. 
He said if I returned the funds I would get " the balance transfer fee returned to me - 100 % " He apologized for the mistake Bank of America had made. XXXX gave me his direct line and told me he would answer when I called. I have called over 10 times and left 10 messages over the past several weeks. He has never called me back. 

I ultimately, had to wait till the money got to XXXX from Bank of America. Then ask them to mail me a check, then deposit the money in my chase account and then make a payment back to Bank of America. I have done all this. I have had to call their horrible phone system repeatedly and spent well over 12 hour on the phone with Bank of America trying to correct their mistake. I have sent the money back to them from the balance transfer. I have not received a refund for the balance transfer fee as I was promised. This has been the worst experience I've ever had with a bank or credit card.
Product: Credit card

Reference Number : XXXX I paid the processing fee of {$95.00} and this cleared my bank on XX/XX/year>. To date no card has been received. I have attempted to call and the customer service is horrible. Long holds and then just hang up. No one knows where my card is or it was 'cancelled ' but no status on refund. This company needs to either provide the card I was approved for or issue a refund and send refund overnight at their expense due to negligence.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to request the removal of incorrect information from my credit report, which I obtained from Equifax. Upon reviewing the report, I discovered several inaccuracies that require immediate attention : 1. Charge Off from XXXX XXXX : There is a charge off listed from XXXX XXXX, which has been paid in full. Therefore, it needs to be removed from my credit report immediately due to incorrect reporting. 

2. Incorrect Late Payments : Additionally, I noticed eight late payments listed on my credit report, which are incorrect and should be removed promptly. 

3. Inaccurate Account from XXXX XXXX XXXX : XXXX XXXX XXXX is reporting inaccurate information about an account that they have not provided validation for. This account has been paid in full and needs to be removed immediately. 

I kindly request that Equifax investigate these discrepancies and take the necessary steps to correct them as soon as possible. I also ask for written confirmation of the corrections made and an updated copy of my credit report reflecting these changes. 

Your prompt attention to this matter is greatly appreciated. Please feel free to contact me if you require any further information or clarification at XXXX or XXXX. 

Thank you for your assistance in resolving this issue promptly. 

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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

For the past 3 years navy federal has showed my available balance when using debit transaction but charges me over draft fees days later saying funds wasn't available when it showed in my account.
Product: Vehicle loan or lease

Car was turned in and lease terminatedXX/XX/XXXX, plate were returned to DMV early XX/XX/XXXX. For some reason my account with XXXX XXXX   continues to remain open with XXXX XXXX though I have not had the car since last XX/XX/XXXX. I do not have any vehicles through XXXX XXXX at this time. In XX/XX/XXXX an accidental payment of XXXX was made on this account that I did not even know was even open any longer. I contacted XXXX   and was asked to provide proof that plates were handed into the DMV because I was being charged for property tax. I emailed and provided this info to an email address that was provided by XXXX XXXX. I have called several times between XX/XX/XXXX and now XX/XX/XXXX and my money has not been returned to me with not through explaination why. On several occasions I have put in phone calls and sat on hold for extended periods of time. I have been told that I would recieve phone calls back and nothing has happened. I am still waiting for my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX XXXX XXXX XXXX account ending in XXXX was requested to be removed from my personal credit report by XXXX XXXX XXXXXXXX XXXX. Please reference the attached document from XXXX XXXX XXXXXXXX XXXX dated XX/XX/2023 which states the following " we have sent an update to the credit reporting agencies to remove the business credit card tradeline from your credit report as of XX/XX/2023. '' This has taken longer than 30 days to resolve, and the credit bureaus investigation did not resolve the issue.