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

My student loans are in default. I have entered into a payment arrangement with ACT, the collection company for the loan issuer. The  Dept of Education tell s me they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to chang e ( th e default ) however, they should have to report my payments and show that I am trying.
Product: Vehicle loan or lease

I opened up this account with ALLY Bank in XX/XX/XXXX. My credit reports are reflecting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I worked for XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX surpassing 9 years and due to the pandemic I was laid off with 26 other peers. I called this company and requested that the late payments please be removed as I was struggling to make payments and take care of my family. Prior tomy hardship all payments were made and made on time. The account is current and I am only askiing that they please remove the late payments due to this tremendously negatively hitting my credit score.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

i have written this company on multiple occasions asking them to validate this debt and they have not done so, I have reached out to the credit reporting agencies with proof that this debt has not been validated even at my request with certified proof of receipt, this company is reporting that I have an account with them in the amount of a XXXX dollar credit limit which I have never signed a contract with them for any account
Product: Credit reporting, credit repair services, or other personal consumer reports

Two days ago I opened an email from Experian Credit Reporting agency to find this note Please review your alert, your FICO score has decreased. This is terrifying news for anyone. I pay my bills, always, never late, always paid in full. I immediately went to their site to ask for my credit report and after filling in the form they came back with a refusal. I couldnt even look at my credit report? 

After over 55 years of near-perfect credit that I worked very hard to maintain, in XXXX I had a bankruptcy. In XXXX I was finally able to obtain a credit card. Know this, I have never been late on a payment to any company, I have never paid less than three times the minimum every month to XXXX XXXX and XXXX. I work very hard to be in good standing. Why did my credit score go down? And why couldnt I get a copy of my credit report? I asked first via XXXX XXXX  at Experians site two hours later after being passed around to agents, no answer but passed on again. This was an exercise in futility and took many hours. 

So, the reason they arbitrarily lowered my credit score is  this : Im apparently using too much credit. Yes, I am using more credit, not however ever exceeding my limit and never behind in payments. Heres the justification they sent me : https : //www.experian.com/blogs/ask-experian/how-utilization-rate-affects-credit-scores/ I explained to them I am XXXX years old, have no car, live on social security, must have everything delivered because of course, being high risk, I am terrified to use public transportation, there is a {$60.00} minimum on groceries so even if I only need a loaf of bread, I still have to order {$60.00} worth of groceries to get it delivered. My money goes very fast since the pandemic and I dont get paid until the XXXX, so yes I am, WAS, using more of my ALLOTED credit, now Im afraid to even use that. And by the way Experian, have you heard of coronavirus? 

This experience with Experian took many hours, from very early morning to after XXXX XXXX and oh, the reason I wasnt able to obtain my credit report? Because I had changed my login it was my fault. 

Credit reporting agencies have the power to destroy lives. Willy nilly. And there isnt a XXXX thing we the people can do about it because money rules the world. 

I have all the communications between myself and Experian and can provide if necessary but don't know how to attach to this complaint.
Product: Money transfer, virtual currency, or money service

I was wells Fargo customer and some reason they cancel my account and they told me the will refund the remaining balance by cashire check But I contact them after the account was closed I asked them the balance I have in my account to refund but they told me all those money was received by XXXX payment so they will refund those money to the sender so they can claim with their bank The balance was {$4700.00} I dont understand why They can do that All those money are exchange we agree each other to paid me by XXXX XXXX have big financial problam since I can not use my money they been start holding those money from XX/XX/2023 I take some loan to pay back but now they say I will not get any money because those money are not entitled to refund to me. That was my money it was in my account already post. I try to see can someone help me regarding with this case Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

So I wasnt even made aware by XXXX XXXX that my account was delinquent or past due. By the time that I was notified it was already reported to the credit bureaus. Since then grain has been misinforming inaccurate information as resulted decrease in credit score. They already had since withdrew funds from my external account that was used I order to received or removed from account. Since then a payment arrangement to pay off balance ( after waiting to hear back from XXXX either via phone or via email ) as well as made just recently as well as a payment arrangement that has since been signed and accepted both myself and XXXX XXXX. Then report was made by XXXX stating my is still delinquent by XXXX days after was payment arranged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Re : This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( XXXX ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( XXXX ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( XXXX ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( XXXX ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( XXXX ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field XXXX ( XXXX ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true. the following account is not accurate XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have recently got my credit report and notice some inquires that i do not recall, and there are errors in multiple accounts, i would like these inquires removed asap, i have certified mailed all the documents and my credit reports to transunion XXXX and exsperian,
Product: Mortgage

I hope this message finds you well. I am writing to seek assistance regarding a concerning situation I have encountered with Citizens Bank in relation to the closure of my Home Equity Line of Credit ( HELOC ). 

On XX/XX/, I successfully closed my HELOC account with Citizens Bank, following the bank 's assurance that I would promptly receive a written confirmation of the loan closure, including the removal of the lien from my property. However, despite their initial commitment, I regret to inform you that nearly three weeks have passed, and I am yet to receive the promised confirmation letter. 

I have diligently followed up on this matter by making repeated calls to Citizens Bank, but regrettably, I have consistently received the same response from their representatives, which is, " You'll be receiving that letter soon. '' This delay has caused me significant distress as it jeopardizes my ability to close an HELOC application with another financial institution, and my deadline to finalize this transaction is swiftly approaching on XXXX XXXX XXXX Failing to meet this deadline would result in the rejection of the loan application. 

Considering the urgency of this situation and the potential financial consequences it may entail, I kindly request your intervention and assistance in expediting the process of obtaining the closure confirmation letter from Citizens Bank. Your prompt attention to this matter would be greatly appreciated, as it is essential for me to secure the required documentation without further delay. 

Please do not hesitate to reach out to me should you require any additional information or documentation to assist in resolving this issue effectively. I am grateful for your support in this matter and trust that your intervention will help bring about a swift resolution. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about Experian credit report XXXX XXXX my Insurance company XXXX XXXX. paid off my totaled vehicle now the check was cash by the creditor XXXX XXXX onXX/XX/2020. I checked my credit because i have www.experian.com it informed me that i was ( 4. ) Months late with XXXX XXXX i was furious because not only was it four ( 4. ) months late but my credit dropped almost 50 points causing me problems getting a mortgage to purchase my house. Now i contacted Experian to no avail. I wrote them a certified letter they final removed it after call XXXX 's XXXX. Now here 's the problem they have not put back my score to were it should be this is very damaging because again there causing me problems to obtaining my mortgage. I have the evidence and documentations to prove everything im stating herein. 
Second cause for Action on or about XXXX XXXX I logged into my Experian report to find again another company namely XXXX XXXX is reporting late on my Experian credit report only mine you no of the other agencies are reporting this so i called XXXX XXXX they acknowledge that my payments are up to date and i never missed a payment for XXXX or XX/XX/2020 again i have bank statements to show proof of he XXXX XXXX payments being paid by my bank XXXX XXXX. Now lets keep in mind this has dropped my score again 48> Points in the negative for an incorrect late reporting by Experian I am going to sue Experian which is no question about that the suit will be for in the XXXX District Court of New York here in the amount of {$500000.00} for Damages, Pain and Suffering, Mental anguish, Deformation of Character, Destroying my credit rating score because this is an on going issue what they have been doing to me it wouldn't be so bad if they corrected it and put my score back to were it original way. But these are the little ''Nasty '' games there praying on people in a time like this which is a ''Pandemic '' is really really troubling. I am also going to file a FTC complaint and a Complaint with the XXXX XXXX XXXX asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple letters to the credit bureaus addressing the billing errors that is appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX Balance Owed : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information and inquiries listed below : Inaccurate Name : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I disputed a charge on my credit card with this company back in May they had requested additional information I then submitted a copy of the receipt from the merchant saying that the order was canceled that the balance should have been XXXX meaning they refunded me they refused to contact the merchant I think they're doing their own in-house investigation and then they end up closing it out I still haven't got refunded from the merchant they told me I had to contact my credit card company
Product: Checking or savings account

My bank closed all of my accounts without giving me any reason. My XXXX check was deposited in the checking account. They froze all of my money. I talked to them several times telling them that they could not keep my XXXX check. I had no money to pay for bills and food. I told them that by law had to at least transfer my XXXX check, that it was the law. 
They said that they were sorry but they werent going to release it until there closing process was done. 
I am a XXXXXXXX XXXX XXXX XXXX. What do I do?
Product: Money transfer, virtual currency, or money service

Citibank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Re : Demand Letter For negotiation purposes only, without effect as to any and all rights Attn : Claims/Fraud Dept. 

Dear Sir/Madam, The goal of this letter is twofold : first, it aims to establish that a duty of care was breached, inasmuch as you have failed to perform adequate due diligence or/and not acted in a reasonable and prudent manner to prevent foreseeable substantial damages I suffered as a result of a fraud [ XXXX ]. Second, it shall serve as formal written demand for reimbursement based on the aforementioned grounds, among others. 

A very comprehensive analysis of fraud prevention suggests that by processing atypical, non-routine transaction ( XXXX ), and/or by being aware of other fraudulent schemes similar to the one alleged herein and/or ignorance of obvious warning signs of fraud, you engaged in/ is a pattern or a practice of a wrongful and negligent conduct which provided substantial assistance to advance the commission of a fraud that resulted in my financial and psychological damages. The facts and details concerning the actions in question are set forth hereunder. 

OVERVIEW Commencing on or about XXXX 2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via bank wire, and through an intermediary named XXXX in the total amount of XXXX USD utilizing your services. 
Additionally, it is vital that you will immediately take all actions within your power to remedy the situation, whether by raising recall in respect of the transaction ( XXXX ) in question or reimburse me and credit my account, for the full amount of these payments, in the total amount of XXXX USD! 
This letter shall thrust into the spotlight, inter alia, the increasingly important role financial institutions play in the fight against financial crime and fraud, and the pressing need for higher levels of supervision and vigilance within your organization. 
Heres an indisputable fact : had you looked at the wider circumstances surrounding the above-referenced transaction ( XXXX ), this illicit transfer of wealth could have been prevented. 
Executing transactions without proper authority is not only a severe regulatory offense but also an irresponsible and reckless disregard of the customers financial safety. 

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 this background, and without derogating any of my rights, I hereby hold you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX relating to this victimization and demand that you reimburse my account in full within XXXX  days from the date of this letter
Product: Credit reporting or other personal consumer reports

I am writing to complaint the following information that XXXX XXXX XXXX XXXX supplied to XXXX, Transunion and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to Account ( XXXX opened XXXX XXXX ) that I previously had with XXXX. 

Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX XXXX in reference to this account that I had at the time and requested Hardship options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.