23daVinci/CFPB_Complaints huggingface dataset:
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Paypal Hello, i hope you will help me to fix my account, i dont know that the form i filled -up already to previous pages is correct to my problem right now..and the problem is my paypal account i cant sending money to my friends, i think i 'am wrong because before this is happened to my account i put the 2 bank account number which is same bank account ( the one is the account number printed on my atm and the other one is the account number that the bank gave to me ) i mean i'am carried away of puting the right bank account number i should put is the account number printed on my atm, then after so many times i am trying to sending money to my friends, but my account saids that i need to email first, i tried to ask to the company but still i can not get the right answer to my problem, and until now i tried to sending money to my second paypal account but still i cant..i hope to here your answer as soon as possible related why i cant sending, receiving and withdraw my money.i hope you will fix my account Please email me to XXXX XXXX
Product: Debt collection

Last week started getting debt collection calls for a XXXX XXXX XXXX XXXX verse account of XXXX ish usd from Sequium. 
I dont owe XXXX XXXX XXXX  any money, I never signed anything with them nor noticed and contact with them about a debt. 
My service with XXXX XXXX was interupted for 2 months in which I had no service but still had to pay around XXXX each month ( around XXXX total ). I eventually ended my service with XXXX XXXX XXXX and received no notice from them to my recollection. 

I just got off the phone with Sequium and tried talking with them. They refused to give me their mailing address twice then hungup on me.
Product: Vehicle loan or lease

I started a lease with GM Financial. I put the lease payment on auto-pay so i can avoid late fees which is the reason for auto pay. It turned out it was only good for 6 months which is something i never heard before, and the representative i spoke with never mentioned that either. When the 6 months passed i was not reminded in any way that the auto pay is no longer there and my account was late for three months. I never got a single phone call from this financial company telling me that my account is past due and asking me why am i not making payments. My credit was perfect before i started the lease with this company and i had 100 % payment history ( i have 3 cars under my name and none of them ever gave me a single problem except for this one ). Also it shows different amount for the payment online and different amount on my paper bill. then i called them they didn't want to help me to remove the late payment that went on my score because of their system and told me it was my fault. i made the payments with the representative and then went and created a new auto-pay for another 6 months. Now I get another late payment on my credit score and my account is on auto-pay. So i do not know what the problem is with their system but because of them i have 4 late payments on my credit history which is bothering my business and my whole life because i get rejected from everywhere I apply. the amount is very little it is only {$140.00} dollars and some change ( which is really no problem for me to pay on time ) I have a lot bigger bills and I am always on time but because of their confusing system i have multiple late payments on my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION AND THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Capital one and XXXX XXXX XXXX XXXX were contacted by mail informing them of my decision to opt out pursuant to 15 USC 6802, 16 CFR 313.7, and the Privacy Act of 1974.
Product: Mortgage

M & T Bank, reported me 30 days past due .I believe they have a duty as a lender to contact customer when theres a problem with payments .I was never contacted .They said they had no numbers to contact me, then they say we only had a work number? then they say didnt have consent to call only other numbers .All 3 of my numbers are clearly on crredit app ... .home, cell and work .I have had same numbers for over 18 years, no changes .Then they say only had consent to call work? What that would be last numbe ranyone would want them to call.I beleive they didnt call so they could pile up late charges .Bad PRACTICES!! I would like a record of when I gave consent to call work and gave no consent to call home or cell .If they cant provide that, I want negative rating removed from my credit. This what they say the reason was for never contacting me in almost 9 months there was a issue with my account .Makes no sense, remove negative rating.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX. Account XXXX - XXXX. I just got a copy of my credit report. To my surprice, You are reporting this account incorrectly. This XXXX account is reporting not only reporting as XXXX, but also shows a past due balance of XXXX dollars. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been informed that you do not restrict files when they are supplied along with an FTC fraud report. In order to create a legal remedy, I'm sending this letter certified mail in accordance with the FCRA 's 605b requirement. I will be giving my documents to my lawyer to begin a legal case if you decide not to stop the items stated below from reporting incorrectly as a result of identity theft. Please obey the law as it is not my aim to take legal action... 

The following things should be removed since they were opened without my permission or knowledge and are fake. 

XXXX XXXX XXXX XXXX XXXX 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 require copies of any paperwork related to this account that has my signature, as I am aware that none exists, if you insist that these claims are entirely true and provable. I formally request that this information be promptly removed from the credit file you keep for my Social Security number in the absence of any such proof with my signature. 

Please be aware that if you discover any information in my credit file that you believe to be the product of suspected identity theft, you have four business days to stop reporting it. XXXX or any other kind of automated verification is not acceptable to me.
Product: Debt collection

I do not recall giving Radius Global Solutions permission to access my medical information which they have provided in my last complaint. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : HIPAA authorization - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I keep receiving emails saying my disputes have been updated view current report, when I view current report or disputes nothing has been corrected everything has remained the same. These disputed accounts need to be taken care of and coded properly, as all information has been received and documented but yet the creditors are not correcting anything. It is affecting and impacting the ability to maintain what happened to my home since this has drastically dropped my score from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This should not be happening if they were coded correctly and should not say potentially negative and charged off. A hurricane is out of my control, and I have no control over what happened. but these creditors are demolishing me when they have the facts in front of them as well as the Agencies.
Product: Checking or savings account

Wells Fargo has consistently charged overdraft fees to my checking account when I have declined overdraft protection on my account. I have notified this banking institution and spoke with three different representatives who have confirmed that an overdraft fee will only be applied if the delinquency is not paid within 24 hrs of occurrence. On XX/XX/19 a payment was made to XXXX XXXX XXXX ( credit card ) the funds were debited from the account and two days later I incurred an overdraft fee. Based on the information I received from their representatives the balance overdrawn was paid the same day yet I incurred an overdraft fee of {$35.00} two days later for a service I have declined. I requested to be refunded and received a partial amount as a courtesy as mentioned by Wells Fargo. 

Again, this same situation has occurred on XX/XX/19 whereas I made a payment to XXXX XXXX ( credit card ) and it was debited from my account within the early hours of the next day. Funds were applied to cover the balance and I received an overdraft fee two days later. This is a consistent bank error that I am requesting be investigated plus be refunded the full {$35.00} overdraft fee and remaining partial refund of {$17.00} of both transactions. If this matter is not handled with integrity, I will pursue this further by seeking legal representation to get this resolved permanently.
Product: Credit reporting or other personal consumer reports

I am disappointed by how my complaint has turned out, as your response was not enough to justify the inaccuracies being reported on my accounts. My credit scores have not progressed and this is because these accounts are not being removed- which I have requested for you to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) TRANSUNION failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair C

redit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1

681b of this title. You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 Authorized Credit card. TrasUnion is the only credit report they dont have it. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX. I believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX  and XXXX  has stated that they have verified the bankruptcy listed on my credit report by reaching out to the US Bankruptcy court. I reached out the US Bankruptcy court and was advised that they had not verified this is information. Im requesting that the Credit Reporting Agencies confirm when did they verify the bankruptcy information on my credit reports with the US Bankruptcy Court? Who did they speak with at the courts? If this information has not been truly verified as the CRAs has stated, please permanently delete the bankruptcy from my credit reports because the CRAs have provided me with false information which is against the FCRA Act.
Product: Debt collection

I received a letter stating that I owed XXXX XXXX a fee of {$65.00}. 
I called and spoke to XXXX to which I explained that XXXX did come to my house and determined that there was no cable running from street to house and that XXXX could not service my address. I told XXXX that I had a receipt showing all equipment was returned that same week. She said I still owed the money. I asked her how much time I had to resolve the issue before my credit was impacted and she claimed she did not know. I immediately called XXXX snd spoke with XXXX who said it was clear that an internal error had been made and he did a ticket ( XXXX ) to resolve the problem. I asked him to do a 3 way call to the debt collector but he said he could not. XXXX stated that it would take up to 5 business days to resolve. I am afraid that my credit will be damaged because of this mistake that I had nothing to do with. I did my part! Pls help, I am currently trying to buy a new home.
Product: Debt collection

This is an account that was closed in XXXX to XXXX.XX/XX/XXXXrep didnt close the account, the account was sent to collections-XX/XX/XXXX I received verification from XXXX that it should be removed from my credit report. I sent the debt collector the e-mail but they will still not remove from my credit.
Product: Credit reporting

My permanent mailing address changed 5 months ago. 5 months ago I verified with all my creditors that report account status of that address change. I have followed up with each one twice and they assure me they are reporting my current address. I have requested by direct communication with Experian to remove addresses which are not mine. 

MY CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Any other addresses need to be removed. I have verified with all my creditors they are reporting my information with my current address : XXXX XXXX, XXXX, TX XXXX. 

XXXX and XXXX both updated my information with my current address, expunging any other addresses previously listed. 

Experian is the only company that will not comply, and also they have very incompetent customer service agents in XXXX, or the XXXX that do no not communicate clearly. Besides being very difficult to communicate with, they are mindless script readers who can do nothing if its not on their teleprompters.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
Product: Student loan

I first looked into refinancing my private student loan with SoFi because they offered a co-signer release, which made sense at the time ( XX/XX/XXXX ). I spoke to their Customer Account Specialist and they worked alongside me and my ex fiancee. They explained as long as I made payments on time, I would be able to release the co-signer on my loan. About a year or two into this loan, they no longer offer this option. I am not with my fiancee anymore and would like his name released. 

I've applied for Covid-19 assistance ( in XXXX and XXXX ), and have only been able to get a 30 day forbearance when they offer up to 90 days. I am also out of a job, and I don't know how I'll be able to pay {$1000.00} on top of rent, phone, car, insurance, credit card and other utilities. 

They've also denied ( XX/XX/XXXX ) my application for deferment while I'm in-school. I've accepted to enroll in graduate school this summer. However, if I ask for any assistance, forbearance, or deferment my application gets denied. I'd like to be able to make payments when I'm employed full-time. I don't see how SoFi expects me to pay my student loan, when I don't have a steady income.
Product: Checking or savings account

I am in a XXXX XXXX chase bank in XXXX tx told me to have my durable poa bring unsigned check into bank and deposit it violation 1 he should have never accepted unendorsed check of such multitude now I ordered my checkung account closed and still haven't recueved the remaing amount withen the 9 day period as laws instructed what do an old XXXX wonan do wgen they won't teturn her only funds
Product: Vehicle loan or lease

My auto lease expired in XXXX. I've dutifully made all my lease payments on time. On XX/XX/XXXX I received a XXXX  from Chase Auto that I have a past due amount of {$1900.00}. I called and asked what this amount if for as I was not expecting another bill since my lease was over. They stated it was for property tax and a disposition fee. I told them I did not have the means to pay over the phone at the time ( XX/XX/XXXX or XX/XX/XXXX ) but requested a formal invoice and promised to pay once I receive it. They agreed to send me the invoice. After waiting a week and never receiving the invoice I called them again ( on XX/XX/XXXX ) and made the payment over the phone. However they reported a late payment to 3 credit bureaus. I requested that they delete late payment from my record on the basis that they need not provide adequate invoice or notification of charges ( not once but twice ) and I made every good faith effort to dutifully pay charges incurred. They stated that they sent and invoice in XXXX for {$1900.00} but I never received it. Furthermore I am subscribed to USPS Informed Delivery which emails me scans of every piece of mail that is being sent to me and don't see any coorespondence from Chase Auto whatsoever. This issue adversely impacting my credit.
Product: Checking or savings account

In XXXX, I received a flyer to open new Citi checking and savings account. I brought the flyer to a Citi banker whose name is XXXX. XXXX opened the account and told me that if I deposit {$15000.00} and maintain the balance for 60 days then I will be qualified for the bonus. 

I pointed out to him that I need to open both Checking and Savings account. He explained to me that the requirement is " Either OR '' NOT " BOTH '' ( see the email ). 

After 6 months, I still haven't received the bonus and Citi told me that I did not meet the requirement because I did not open BOTH checking and savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/2021, in regards to things that are inaccurate and unknown on my credit report. To this day, over 45 days later, I have still not received a response yet. I feel like Im being taken advantage of and like my disputes are being ignored. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately from my credit report or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.