23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For XXXX collection This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Debt collection

XXXX XXXX used XXXX collections companied to file inaccurate derogatory collections on all XXXX of my credit reports. However, I do not have an account with XXXX, nor did I ever possess a XXXX account. I placed a credit freeze at each of the XXXX credit bureaus on my credit report files XX/XX/XXXX. Nonetheless, in XX/XX/XXXX, XXXX XXXX extended credit to a person in XXXX with a similar name, however I live in XXXX for the past XXXX years. I was subject to the Data Hacking if XXXX in XX/XX/XXXX. I have credit bureau monitoring of my files and I was able to remove the inaccurate derogatory collections. How did XXXX XXXX give approval for a new account in my name, while all XXXX of my credit bureau files are frozen? XXXX did not check this persons credit file.
Product: Checking or savings account

In XXXX, I attempted two ATM withdrawals at a XXXX XXXX XXXXXXXX ATM. The two transactions, in the total amount of {$2000.00}, were unsuccessful and did not dispense any cash. I contacted my card issuer, Citibank, in relation to this, and they indicated that they received documents proving the transactions were valid and denied my claim. I have repeatedly asked Citibank to provide the documents they relied upon when making this decision, and they said they were unable to do so. I have tried to reopen this dispute with Citibank multiple times, yet I was not given any chance to reassert my claim according to law. Citibank violated Regulation E of the Electronic Funds Transfer Act due to the fact that 1 ) they did not provide documents they relied upon in making of their decision to the account holder 2 ) they did not allow the customer to meaningfully reassert their claim. This violation of the law has caused me significant financial loss.
Product: Credit reporting or other personal consumer reports

I don't even know where to begin. But there are over 50 hard inquiries on my credit report ( XXXX ) I also have payday loans contacting me telling me I owe money. I can't even access credit karma anymore. Nor IRS.gov or XXXX XXXX will not upload my id. I am owed stimulus money still, owed tax returns and my credit dropped XXXX points in XXXX. It's clearly some type of identity theft. A mess. Please help XXXX or leave message with sister XXXX XXXX at XXXX if u can't reach me. Email XXXX XXXX
Product: Student loan

Genesis loan servicing no longer has any correct contact information i can not call them in contact of my loan
Product: Vehicle loan or lease

Update for OBM 3170-0011 XXXX I initiated a meeting with XXXX from US Auto Sales months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called US Auto Sales on XX/XX/XXXX at XXXX XXXX asking for a payoff amount. On XX/XX/XXXX my vehicle was repossessed. without warrant. I 'm pretty positive XXXX had something to so with this. XXXX told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting. 
Her neglect has impacted my well-being. The stress in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked XXXX who her Superior was and she refused to tell me, stating she did n't have one.
Product: Checking or savings account

To whom it may concern : I am writing to inform you that I requested a chargeback from Trusit Bank, from a XXXX XXXX. For a XXXX XXXX  by the name of XXXX, it's a SCAM!! The merchant inaccurately described the merchandise or services, either in a written description or in a verbal agreement. The merchant advertises on XXXX as if they are selling you a XXXX XXXX bot, when in fact they are selling you a XXXX XXXX program. This XXXX XXXX is a scam. They are false advertising!! I was under the impression that I was buying a XXXX, when in fact I paid for a program that teaches you how to use a XXXX on a system that is not their Own! They never not once disclose that they were only a training program. I would not have purchased this program had I know this in the very beginning. This XXXX XXXX is not transparent at all, he is a marking scam artist. I want this {$1400.00} Robot I paid for or my money back!!! SCAM!!!! Obviously, theres a problem that needs to be addressed if this merchant is regularly providing merchandise or services that dont match the description. They advertise very strategically to lure you in to get your money. Then they make it very difficult for you to get your money back. I sent an email to them, requesting a refund. No refund was given. There refund policy is shady as well, with a hidden clause. They make everything sound so good. 30 days money back guaranteed, but you must prove that you could not use the system. Just one big advertainment scam!! Before they allow you to access any information on the platform, you have to sign an NDA agreement. Once you sign that agreement no refund, but there is know way for you to know what you purchased unless you sign the NDA. that's how they trap you and make receiving a refund impossible. Upon access to this information, I immediately realized I was Scammed!!! They do disclose that you will have to pay some additional money for software updates, but that additional money is actually for robots on another platform that they are affiliate marketers for. This program is nothing at all like advertise. They make you sign this sketchy contract with so many loopholes, but you don't realize what you have gotten yourself into until the damage is done. I want my money back!!! This whole program is a scam and very misleading!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I requested a method of verification for an account that was reporting incorrectly on my profile. I pulled my report and noticed its still showing incorrect. There is a note stating " Account information disputed by consumer, meets FCRA requirements '' but how can this be possible if the account is inaccurately reporting an " Open account '' status on a collection account. In addition, the open date for this account is invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed the problem to remove the negative remarks on my credit report, Its showing POTENTIAL NEGATIVE, in a couple weeks, I looked for the dispute to be compete and it stated payment late. I had called to explain to them that the payment was paid completely and the negative remarks need to be removed completely. This needs to be settled right away. I am paying off my debt and credit cards completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Free Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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 : States a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a XXXX XXXX XXXX ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( Enterprise Recovery Systems ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX the loan servicer, Enterprise Recovery Systems ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . Enterprise Recovery Systems reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX. The representative from Enterprise Recovery Systems further advised me that XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " Enterprise Recovery System '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was repossessed under unfair conditions. I was not given a replevin notice and not given the opportunity to update payments. I was hospitalized at the time of repossession and not given any notices for bill of sale and amount owed after vehicle was sold for auction. I am asking to remove the reposession from my credit report because of unfair credit reporting and unfair reporting/notices from Nissan Motor Acceptance.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as, failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with the experience, where XXXX has neither corrected nor removed the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CCB/SALLY XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX Legal Grounds XXXX Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting or other personal consumer reports

this inquiry should not be on my credit report XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute - XXXXXXXX XXXX  To Whom It May Concern, I am writing to express my profound dissatisfaction and apprehension regarding the handling of the account XXXX XXXX on my credit report. Upon thorough review, it has become apparent that there are multiple egregious breaches of the Fair Credit Reporting Act ( FCRA ) associated with this account. Therefore, I am urgently requesting immediate action to address and rectify these issues. 

Specifically, I am formally demanding a comprehensive debt validation process, inclusive of the following particulars : Original Contract : Furnish a complete copy of the original contract between the purported creditor and myself concerning the account XXXX XXXX. 

Original Creditor : Clearly disclose the name and pertinent contact details of the original creditor linked to this account. 

Original Open Date : Provide precise documentation regarding the establishment date of the account XXXX XXXX. 

Date of Last Payment : Specify the exact date of the last payment attributed to this account. 

Date Account Was Closed : Clearly indicate the official closure date of the account XXXX XXXX. 

Fully cognizant of my rights under the FCRA, it is evident that XXXX has failed in its duty to ensure the accuracy and validity of the information it reports. I insist upon a prompt and diligent response to address and resolve this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will leave me no choice but to pursue legal recourse to enforce my rights under the FCRA. Please regard this as formal notice of my intent to proceed accordingly. 

I anticipate a timely response, accompanied by the requested documentation, to be submitted through the CFPB portal. Furthermore, I request that any necessary corrections to my credit report be promptly implemented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Please update.
Product: Credit card or prepaid card

I am writing to SYNCB/AMAZON XXXX because I am having difficulties with applying for new credit cards. I paid the account and do not owe anything, but the late payment on XXXX. 2016 in XXXX, XXXX and XXXX reports prevents me from achieving the desired results. I am kindly requesting SYNCB/AMAZON XXXX  to remove this late payment from my credit reports as a gesture of goodwill.
Product: Student loan

I signed up for XXXX XXXX in 2006, and I was told that I needed more money than the {$4000.00} federal loan I was eligible for. XXXX told me that I needed to get a plus loan, but I was unable to do so due to being XXXX years old at the time and considered a dependent, and neither of my parents were able to sign on the loan. XXXX told me that they would cosign on the loan, and they then enrolled me in courses. I went to 2 classes and then was unable to continue going, so I withdrew from classes, and was told everything was taken care of. I found out a couple of years later that XXXX did not withdrawal me as they said, and took the full amount of loans for that semester. I received a call from XXXX XXXX, who was the servicer at the time, and they told me that my deferment was up and I had to start repaying my loans. I was very confused by this since I had been told I was withdrawn, and all funds were cancelled due to not being enrolled for even a full week. I attempted to explain this to XXXX XXXX, but they refused to listen and bullied me into making payments that I could not afford as I was a full time student at XXXX XXXX XXXX, XXXX XXXX by that time. I made a few payments until I decided I should not be being forced to pay back a loan that was disbursed under fraudulent means. Now, Navient is the servicer for this loan, and I am being consistently charged interest and is showing up as a {$13000.00} debt, when the original amount was for {$3800.00}. I have been attempting to fight this with both Navient and the credit bureaus without success. Another interesting fact is that this loan is not showing up on my FSA loan list, even though on my credit it is showing as a student loan. Frustratingly, I was young and stupid and did not properly hold on to all of my documentation, and everything that I had has been lost in the multiple moves I have made over the last 11 years. Now I have seen that there is a Class Action lawsuit against Navient and I found information on how to report a dispute to you. <P/>Thank you very much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) (  A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.
Product: Vehicle loan or lease

XX/XX/year> amount XXXX I was paying for a warranty but the warranty had me paying XXXX a month I put it in the shop and they decided not to pay so I couldn't pay the carnot and warranty.
Product: Mortgage

We have been working with US Bank for XXXX months to prepare for the closing on our new built home. Today XX/XX/17 should be a day of celebration but instead US Bank dropped the ball, didnt collect our documents in a timely manner, and did not send us our ECD until Wednesday which pushed back our signing title to Monday. Not only are we not closing on time but our rate lock expired today also. They informed us we now would have to pay XXXX XXXXXXXX {$30000.00} to buy back down our rate when this whole situation is their fault. As inexperienced home buyers, we feel extremely frustrated and taken advantage of. 

Here is a timeline of the last month of events per our emails with our mortgage loan office for your review : Monday XX/XX/XXXX I reach out and say 38 days till close and asked if they needed anything from us- XXXX sent us a list of docs they wanted XX/XX/XXXX XXXX sent them all docs. 

XX/XX/XXXX XXXX replies to that email a week later saying he was out of the country sorry for the delay just getting caught up with 4 items we need. 

XX/XX/XXXX XXXX responds she needs to rerun credit XX/XX/XXXX We respond ok to rerun credit Friday XX/XX/XXXX XXXX says Hey, We have the new application going these are the updated items we need to get underwriting Sunday XX/XX/XXXX I start working on the docs by emailing our accountant and signing disclosures. I notice the loan estimate is completely off. 
I emailed XXXX to go over the loan estimate. 

Monday XX/XX/XXXX XXXX responds he is traveling and will call me later. 
Sends me an updated loan estimate at XXXX After XXXX calls me and goes over the loan estimate. 
I go in and sign and acknowledge initial disclosure in our portal. 

Wednesday XX/XX/XXXX I email saying I'm working on getting these docs. 
W2 had to come from XXXX tax accountant and final sale from our realtor for the last house. 

Thursday XX/XX/XXXX ( one week before close ) XXXX XXXX said please send these items as soon as possible as the underwriter need these to review XXXXI send final settlement & XXXX & XXXX XXXX responds we still need these items below, also really need these items asap at this point we are risking not closing on the XXXX '' -I send remaining items Friday XXXX XXXX XXXX responds thank you Monday XX/XX/XXXX XXXX I email that it is closing week and ask for update loan estimate XXXX XXXX emails back at that he is traveling but we got final approval and we need ECD by tomorrow to close Friday XXXX XXXX said we got approval and XXXX final things we need Tuesday XX/XX/XXXX XXXX I sent last XXXX remaining items XXXX XXXX says the requested ECD to be sent today and that after that there is a 4 day waiting period till we can sign Friday ( first time we ever heard about the waiting period for ECD ) XXXX I ask for clarification because we thought wed sign Thursday morning and if this would delay our keys Friday XXXX replies quickly that the best case is signing Friday since the ECD hasnt gone out yet. Waiting on processing to get sent -I reply we do want to push for signing Friday because till said if we dont sign Friday we wont get keys until monday Wednesday Acknowledged ECD XXXX
Product: Debt collection

Again, ALDOUS & ASSOCIATES, P.L.L.C. are violating my private rights as a consumer by reporting inaccurate information on my consumer report. I did not give them my consent to contact me nor state I owe any alleged debts. That is a violation pursuant to 15 U.S.C. 1692b ( 2 ) and 15 U.S.C. 1692f ( 1 ). ALDOUS & ASSOCIATES, P.L.L.C. are using obscene and profane language by accusing me of owing this alleged debt. I will not pay it. Their allegation is ruining my consumer report because its inaccurate. The debt is not mine. I do not have a contract or anything with ALDOUS & ASSOCIATES, P.L.L.C. nor do I wish to do any business with them.. I am enforcing my rights, as a consumer, for the damages caused by ALDOUS & ASSOCIATES, P.L.L.C. pursuant to 15 USC 1692k civil liability. Pay the invoice and remove this from my consumer report.
Product: Credit reporting or other personal consumer reports

I have told this company to freeze my credit account and to notify all XXXX credit reporting agencies to put an extended freeze on my account but they keep allowing other people to remove the freeze I have placed. Ruining my credit score and making it appear like Im working at other companies. Ive never worked at XXXX or XXXX although Ive been ordered there several times. My phone number is not up to date. The site said they are open but when I called they said they are closed. They will not send me my credit report so I can prove to lenders what my credit rating was when they told me. Plus I still have these XXXX XXXX XXXX on file when that was the card my employer and XXXX XXXX had shut off intentionally that I used to buy my XXXX with. Even though I had a prepaid credit card I could use for prescriptions until they dropped all my benefits to XXXX time and time again. XXXX XXXX from the XXXXXXXX XXXX  and XXXX.