23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request. It is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written the 3 credit bureaus about the information that is contain into my credit report. I have been writing letters back and forth for a while now concerning the alleged student loans that has been inserted into my credit report. I have also provided a police report, I have also written the XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX all of whom I am finding out that continues to past the baton to the next entity. I have asked for a record of account ( s ) so that I am able to see where this allege loan ( s ) went. All I have receive from XXXX XXXX XXXX, XXXX was a bill. There has not been any original documents which is signed in wet ink by me. 
The time frame was during XXXX. 
I have asked that this information be deleted from my credit file. The bureau ( s ) XXXX   and TransUnion have Deleted the information, then every 30 days or so after the dispute re-age the information which continues to affect my credit score. Information that is presented on the application is incorrect. Loans are being transferred and sold from one lender to the next. I have been following cases where XXXX XXXX, XXXX has been sued in court. I have also done my research that many of these students are insured by surety bonds, and the loans has been paid through the surety bonds and then the schools loan providers violates potential students. 

I have asked XXXX and Transunion not to put disputed items into my records, I have asked the bureaus to send me the contact person who was supposed validated the information that I have request without going to the data storehouse such as XXXX XXXX, XXXX. This is not properly following the law. The Student Loan providers are extorting money from people in general because if a loan has been defaulted, the lender takes out what is known as a surety bond that covers the loan. This is how loans are being then past or transferred over to another lender, then the lender comes after the supposedly student, and finally continue to report derogatory information on a individual credit report. This is damaging peoples credit.
Product: Payday loan

Hello my name is XXXX XXXX, from XXXX XXXX SC. I had to get a payday loan from Cashnetusa. They was taking {$120.00} out of my account every 2 weeks. I called them at XXXX XXXX/XXXX/2015 to explain to them i lost my job. I asked them if they would lower the payments. They said no, they were still going to take the money. I told them i lost my job, that i wanted to speak to the manager, the girl would n't put the manager on phone, and she hung up on me. I am in desperate need of help. I feel like my rights have been violated.
Product: Checking or savings account

Ive had a checking account with Wells Fargo for years, and apparently over the last few years he started charging me a $ XXXX monthly service fee that I have never been charged nor have I ever changed my checking account planned. When I contacted them they said that this was a fee that started and if theres nothing they can do to refund my money. They never notified me. It wasnt right. Apparently they couldnt do anything to help me so I canceled both my checking and savings account when they wouldnt refund my money or explain why they would do that to me.
Product: Debt collection

CCS called my phone and spoke with my brother and disclosed that it was pertaining to a debt without verifying who they were speaking with. This caused embarrassment to me through my family since they know that collections means debt.
Product: Payday loan

I applied for a {$500.00} payday loan online XXXX/XXXX/16. 
I later discovered that they are not licensed to do business in my State, which is Alabama. 
Nor do they meet the loan limits set by the XXXX regulator, thus I feel this loan is illegal and prohibited in the State of Alabama.
Product: Bank account or service

Hello, I opened a Citi Gold Checking account XX/XX/2015 per the terms of the XXXX XXXX XXXX XXXX miles promotion. XXXX code : XXXX. I have yet to received the miles posted to my account and it is well past the deadline. Citi bank is being unresponsive. 

In XX/XX/XXXX, I had completed the requirements of the promotion. In XX/XX/XXXX, after not receiving my miles, I reached out to Citibank via phone to see why I had n't received my points. They confirmed that I had met all of the requirements of the promotion and should receive my miles within 30 days. 

In XX/XX/XXXX, I had not received my points so I called again and they said that I needed to complete a XXXX in order to receive the miles. They mailed me one and I immediately filled it out and returned. 

In XX/XX/XXXX, I still had not received my points so I call again and requested to speak with a supervisor. The supervisor confirmed that I had completed the requirements of the promotion but that they needed my XXXX XXXX Advantage #. I provided the number and they stated that I would receive the miles within 30 days. 

In XX/XX/XXXX I received an email stating that Citi had closed my account without permission and I still had not received my miles. 

I feel that I have been scammed by Citi because I completed all of the necessary requirement and had that confirmed by multiple people at Citi, yet they have not followed through on their end of the deal. Then, they have closed my account, I suspect in an attempt to not have to give me my miles. I have spent several hours on the phone and on secure messager over this issue. I am simply requesting that Citi deposit the promised XXXX XXXX XXXX miles into my account. 

Thank you
Product: Money transfer, virtual currency, or money service

on XXXX I received a text message from Chase informing me of a XXXX transaction for {$930.00} to XXXX XXXX. I did not authorize this transaction. I called Chase immediately and began a claim for fraud. Chase opened a claim number XXXX. I went to the local branch and closed my account and opened another. I also received XXXX secure messages from Chase on XXXX, XXXX sent at XXXX stating that a payment to XXXX XXXX XXXX cancelled because they didn't hear back from me. I received another message stating the same at XXXX on the same day, XXXX. 

On XXXX I received another text message form Chase informing me that XXXX XXXX transactions totaling {$1600.00} were processed to a person named XXXX XXXX, XXXX not authorize these transactions as well. I called Chase and began a claim on this issue as well, claim number XXXX. 

On XXXX I received a letter from Chase stating that the first transaction from XXXX was authorized and processed correctly. I called the chase fraud department and asked that the reinvestigate. I was told that I needed to provide evidence that i did not make the transaction. i asked what evidence I might provide that would serve as proof, the operator could not answer my question. 

On XXXX I filed a police report with the XXXX XXXX Il Police XXXX.
Product: Payday loan, title loan, or personal loan

I told them I could not afford the payments they were asking tried to work with them would not allow me too still requesting high payments
Product: Debt collection

I noticed an account placed on my credit report I have no knowledge of this account this is a result of fraud and I have no knowledge of this company the balance is XXXX I would like debt validation such as my signature on file or a document to prove this is my bill if no validation is available I would like this item remove from my credit report within 24 hrs or receipt of this notice
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was placed in a forbearance during the time that XXXX XXXX reported late payments in 2017. Reason being, my other loans were being consolidated into this loan. I have attempted to get them to remove the derogatory remarks from my credit report and they acknowledge that my account was in forbearance but are unwilling to remove the derogatory remarks showing 4 late payments in 2017 specifically, XXXX, XXXX, XXXX, and XXXX of 2017.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C. 1666B, creditors must promptly correct billing errors, which include any charges that a consumer has not agreed to in writing or any other unauthorized charges. Since this account was closed, no new charges should have been reported, and therefore, no late payment should be applicable.

Additionally, 15 U.S.C. 1637A outlines the rights of consumers to have accurate information reported about their credit. This section mandates that creditors provide accurate and complete information to credit reporting agencies. Reporting a late payment on a closed account is a clear violation of this statute. 

Enclosed are copies of my records showing the account was closed and the payment history at the time of closure. I request that the inaccurate information be corrected as soon as possible and that a corrected credit report be sent to me at the above address. 

Please investigate this matter and update my credit report to reflect the accurate status of the account. Thank you for your prompt attention to this matter. 

On XX/XX/year>, XXXX XXXX XXXX XXXX has reported to Experian that they've closed a credit line with your account. 

Source : Experian Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Activity : Credit Line Closed by Credit Grantor Balance Date : XX/XX/year> Balance : {$550.00} But then they report it late with a higher balance XXXXXXXX XXXX XXXX XXXX has flagged your account as 30 Days Past Due on XX/XX/year>. 

Source : Experian Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) Balance Date : XX/XX/year> Balance : {$610.00}
Product: Student loan

I was charged {$42.00} per month for the past year, XX/XX/XXXX through XX/XX/XXXX via an online payment system called XXXX XXXX as a service fee for consolidating my loans and managing my account through a third-party company called Student Loan Care. My official student loan servicer informed me that Student Loan Care was essentially committing fraud by charging me a service fee. Student Loan Care also sent me daily emails about the annual re-certification process for student loan forgiveness and requested that all correspondence go through them instead of my official servicer. When I questioned my official loan servicer about this, they informed that that is suspiscious activity from Student Loan Care, and that I should not be paying any fee because my loans have already been consolidated with them via the Department of Education and that I have no fees to pay according to their records. I was also recommended by my official loan servicer to file a complaint with the state 'Consumer Bureau, ' alert the Department of Education about the suspected fraud, and seek legal council.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information on my credit report. They are reporting late payments from XX/XX/XXXX thru XX/XX/XXXX. All other late payments prior to XX/XX/XXXX should not be reporting late because o was in a medical payment plan program and I faced extreme financial hardship due to my medical condition since XXXX. I have tried to correct all the late payments history that has been reporting to Experian but has not received any assistance. The account has been deleted with XXXX  and XXXX  however my Experian credit score would s suffering due to this inaccurate reporting, at this time Im requesting that this account be deleted permanently from my credit report because of this account I have not been able to obtain a new job because of this account and I have not been working due to COVID 19 and my medical condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already issued a complaint about the same company Experian. Now this about an unauthorized Fraud Alert placed on my credit bureau. They have since removed the removed the fraud alert and have now placed an unauthorized freeze on my credit report. I am about to loose my rate lock on my mortgage application because of them and this will unecessesarily cost me several thousands of dollars. I really feel as if this organization has purposely set out to delay or stop me from obtaining a mortgage loan.XXXX : void ( 0 ) ;
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy 15 USC 1681b 2. They also have no permission rep ANYTHING using my info pursuant to 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

On receiving my consumer report, I notice several accounts reporting inaccuracy with open accounting, collections, late payments, charge off, and installments accounts that I have no full knowledge of. I've written to all three reporting agencies, XXXX, XXXX, and Experian. After 47 days it's still no response from these reporting agencies. 

It's why I'm asking the CFPB to conduct an investigation to my complaint. I'm requesting that these reporting agencies provide verification on these inaccurate accounts listed below, or obtain a copy of any judgement, or name and address of the original creditor. To verify accuracy or establish reasonable proof that I am the legal owner of the alleged accounts that's reporting inaccurate information to my consumer report. 

Accordance to the FCRA, these reporting agencies has violated my rights with these inaccuracy reporting to my consumer report. When these agencies must maintain the utmost accuracy, and they have failed to maintain the accuracy, which breaches the mandates of the FCRA. 

I request the CFPB to require these reporting agencies to verify these alleged debts of late payments, change off, collections, and installments accounts, while including forms and conditions or purchases .or installment agreements that will or can validate the maximum accuracy to support why these activities has and is compromising the accurate and integrity to my consumer report. When I never received validation of debts nor notices or any initial communication. 

I request that if these reporting agencies fail to verify any accuracy to these accounts to the FCRA mandates. I wish that these inaccurate accounts be deleted and a update be reflected to their true status. 

These inaccurate accounts has violated my consumer rights. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Under, 15 USCS 1666b ( A ) Time to payments Under, 15 USCS 1681s-2 ( A ) Duty of furishers of information to provide accurate information. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

Under, 15 USCS 1681 ( B ) Reasonable Procedure Under, 15 USCS 1681a ( A ) Definitions ; Rules of Construction ( 2 ) Exclusions ( A ) Any ( i ) reporting containing information soley as to transaction or experience between the consumer and the person making the report. 

Thank you for your prompt attention to this matter. I look forward to the resolution and the subsequent correction of my consumer reports.
Product: Vehicle loan or lease

I went to XXXX in a time of need searching for a car. I was sold a XXXX XXXX XXXX XXXX XXXX with a selling price of XXXX which is was over the value but doable. After a year of constant on-time payments I figured it was time for me to refinance, wrong! I was told by numerous banks that they were unable to lower my payments due to the value and age of the vehicle vs. the amount owed on it. I was confused. Somehow I ended up being financed more than needed and owed a total of XXXX after a year which apparently came down from XXXX. I was in a shock. I feel like I was taken advantage of being a young kid in need of a car. I even asked the lender if I was able to trade in my vehicle for something with lower miles due to being affected by hurricane Harvey I am now back and forth between XXXX and XXXX they replied, " If your balance is XXXX or lower. '' I asked was a able to re-negotiate my contract that was a no. I tried every way possible to remedy this situation it is impossible, especially with no help from the lender or dealership. I do not recommend doing business with them, they are not for the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 inquiries 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 XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written or verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) 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. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry XXXX XXXX
Product: Checking or savings account

I have already filed a dispute for unauthorized charges a month and a half ago from my account with chime bank. The merchant was blocked from my account supposedly. Last night while I was asleep the blocked merchant deducted another {$120.00} from my account. I contacted my bank again to try and fix the unauthorized charge and I was told that they can not do anything for me. I asked to speak to a manager with the authority to fix this situation since the person I was speaking with had no authority to do anything. Chime then told me that there is no one I can talk to and no one who can help me. And then proceeded to hang up on me. I was not out of control or aggressive towards the rep. This is absolutely unacceptable. I demand an explanation of why and how this lack professionalism and competency is acceptable. I also need these faulty charges reversed and my own bank is refusing to help me.
Product: Debt collection

I got into a XXXX XXXX accident resulting in losing my car on XX/XX/XXXX. After recovery, I and my roommate sat down & agreed that it was best for me to move back to NC to get back on my feet. We agreed & signed a roommate release form, and turned it in to the office on XX/XX/XXXX, ( luckily, she already had a new occupant in mind ). I left the apartment XXXX XXXX. The new tenant was initially supposed to move in around XXXX but got pushed to XXXX XXXX... I have proof of my ex-roommate stating that she has paid the rent for those XXXX months while waiting for her new roommate. I then started receiving eviction notice emails stating that the rent was not paid ( first received on XX/XX/XXXX ). I questioned her about it & she told me ( XX/XX/XXXX ) to disregard it because she would pay the rent and additional to get it removed. However, that did not happen, and when I received another eviction email on XX/XX/XXXX, questioned her about it, she then revealed to me that she did have to " deal with this '' /stay at the complex and that she doesn't care about paying the evictions because she applied to the apartment complex with a fictitious social security number to get it approved so that she wouldn't get penalized for not paying the rent. I alerted the leasing office about this matter and requested feedback on what they would do but I have not received any communications from the company about what was done with the lease. I was told by my lawyer ( XXXX XXXX ) that if the lease had included her name & she had used a fictitious social security number the lease would not be accurate in itself along with disputing the collection.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX NQUIRIES NOT RECOGNIZED XXXX XXXX  XXXX XXXX RMC 557, SYNCB 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that kohls has reported wrong kohls shows that they closed a old account that shows up twice on my report with different amount and dates. i have contacted the company and tried to resolve and they told me i would have to contact the credit bureaus which i did and was told i have to contact the collection company and I did to be told i have to have kohls sent the collections a letter. i have been going back and fourth with this for a very long time. 
I have sent letter to kohls and no one has got back to me. 
this is ruind my credit report.
Product: Debt collection

I was notified by XXXX credit monitoring service of a collections account in my name, however I have no record of being contacted by this company by either mail or phone. I am unsure of what the debt is for, what this company is, and why they believe I owe them something. It appears the collections record appeared out of no where, with no prior warning or communication.
Product: Vehicle loan or lease

victim of identity theft, spoke to the bank and reported to me that to write my signature for 10x and emailed and called them so many time but never got any response at all no update or anything from the company