23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am directly submitting this complaint without any third-party intervention. Attached are letters providing detailed information about the discrepancies in my credit report. The credit bureaus XXXX, Experian, and XXXX have reported erroneous information with inconsistent and outdated dates.
Product: Credit reporting

Transunion shows a 30 day late payment on one of our accounts ( XXXX XXXX XXXX ) In XXXX 2013 we paid our monthly payment to XXXX XXXX XXXX and in XXXX XXXX informed us the payment was late, We showed the bank the check where we had paid on time and they corrected and apoligised for the mix up. XXXX XXXX XXXX dose not report to Transunion and say they can not contact them to fix the problem, Transunion said they contacted XXXX XXXX XXXX and they verified the report, however XXXX states they did not contact them at all. I am sending the XXXX statement where XXXX XXXX corrected the problem. This faulty reporting is causing a financial for us due to the score lowering. Please help us to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Consumer Loan

This was a HELOC ; I paid the final balance IN FULL, then am told I need to pay {$85.00} to " pay off '' the loan, including a " late fee '' of {$5.00} ( on an account with NO BALANCE, and interest of XXXX cents. A " statement fee '' of {$25.00} and a " recording fee '' of {$36.00} This loan was paid timely, in full and regularly ; however, it was SOLD to a third party, Specialized Loan Servicing XXXX., who seems is in the business of generating fees when they ca n't generate genuine late payments. The amounts are small, the principle is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid my lease in full and XXXX XXXX is reporting a voluntary repossession on my credit. this has damaged my credit score.
Product: Money transfer, virtual currency, or money service

XXXX dollars was taken out my account back in 2021 in XXXX. Not to sure the exact day it was, I had emailed them they stated I had to wait for a XXXX weeks then nothing just denied with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my credit report that are not true, incorrect, not mine, unverified and not my responsibility on my credit file. I am a victim of identity theft. According to 1681 c 2, you must remove and block any information of a consumer in which the consumer identifies as information resulting from alleged identity theft within 4 business days. I have provided the consumer reporting agencies with notification of my identity theft on XX/XX/2022 and XX/XX/2022. As of this moment, the fraudulent accounts remain. My rights as a consumer have been violated. No account can be furnished on my credit file without my written consent. I have given no written consent. This is a violation of 15 USC 1681 a 2. I am demanding that you cease and desist all forms of communication of these fraudulent accounts directly or indirectly to any person through any medium. My consumer report is being used as the medium. Communication is happening when the false accounts on my identity theft report are being illegally furnished on my credit file. My financial reputation has been damaged. I am dealing with XXXX XXXX due to this defamation. If these accounts are not deleted immediately, I will not hesitate to take immediate legal action against you and any other furnishers of these false, non-compliant accounts on my credit file.
Product: Credit reporting or other personal consumer reports

Ownership : I have no knowledge of this account. 

Additional comments : This account was open without my consent and or knowledge and needs to be DELETED/REMOVED PERMANENTLY in accordance to 15 U.S. Code 6802, 15 U.S. Code 6803 ( a ) Disclosure required, 15 U.S. Code 6803 ( c ).
Product: Credit reporting or other personal consumer reports

Recently after looking at my consumer report, I discovered that several inaccuracies are being reported. It is from my understanding, per 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account in question is hurting my ability to obtain and use credit. This is the account I am asking you to investigate to ensure accuracy is XXXX XXXX XXXX # XXXX.
Product: Credit card or prepaid card

In XXXX, responding to an online promotion, I opened a Bank of America, XXXX XXXX co-branded credit card. The promotion promised XXXX miles and a {$200.00} statement credit after initial {$2000.00} spending. On XX/XX/XXXX, I phone B of A and confirmed the terms of the offer. By the following week, I had met the spending requirement. When the credit did not appear on my XXXX statement, I phoned on XXXX XXXX. Spoke with a man named XXXX XXXX from the B of A " executive response team, '' phone XXXX. He confirmed the terms of the offer, said I was to receive the credit within 8 to 12 weeks but that it usually does not take that long. The credit did not show up on my statement in XXXX. In repeated phone calls since then, I have not been able to get the bank to confirm when the credit would post and, in fact, in one call, I was told there was no such offer. I can provide the web pages from both before and after I got the card as evidence of the offer. I am stunned that I am having to go through so many hoops, but nonetheless, all I want is for B of A to fulfill its offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In accordance With the fair credit Reporting act XXXX  Account # 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 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

My signature card funded account which they still took my debits and gave no credits for debits and credits I wan na see full accounting both sides of ledger they will not show. XXXX loans not in excess of XXXX ajar interest fees and charges are permitted. Anything under XXXX I should not pay for trade of essential goods and services to a natural living man. You took all my deposits I had XXXX accounting since I opened account in XXXXYou are civilly liable to me usc 16404 ( 1 ) 15 usc 1611 its a right for me to have unlimited credit and you continuously have denied me an extension of my credit I want a return of my credit applications I have a right of recission. Or we can split it whatever amount you have made on my application half n half I need equity. U had no right to close my deposit accounts and take my deposit if my account is fdic insured it says every acct is fdic insured not only for bank failure but your failure to disclose your selling my securities every time I apply for credit breach of fiduciary duty
Product: Checking or savings account

I frequently used an app called XXXX where I would wager money. On XX/XX/2023 someone was able to gain access to my debit card, account informations and other personal details. They then deposited and wagered money on my account as a form of sabotage. I let XXXX know however they refused my response and I then contacted my bank Truist. I told they what happened and I had my account frozen. However, their investigation took only 2 days. They denied my refund since my response was not valid. 

The perosn on the phone asked if I ever done business with XXXX and I said yes however she labeled it as no so as a result Truist saw this as a lie on my end however it was a mistake by the call handler. I called Truist to let them know and they said they can open an appeal but I was never contacted again by them and whenever I contact them they refuse to answer. 

{$2500.00} dollars of a charge was unauthorized by me and Id like these funds reimbursed.
Product: Mortgage

Hello, On XX/XX/XXXX, my loan originator, XXXX XXXX, closed a purchase loan and I believe I was discriminated against due to my gender. I initially wanted a conventional loan and was pre-qualified under conventional guidelines. When my loan was submitted for final approval, it got kicked back due to my Debt to income ( DTI ) ratios. I was in the processes of getting my NMLS licensed and asked what guideline they were using and why the debt to income had changed so drastically as I was in no way close to maxing out based on the pre-qualification I received. At the time of origination, I was working in sales, and had base + commission income. I had a XXXX  in XXXX of XXXX and took 3 months of FMLA ( returning to work at the end of XXXX of XXXX ) after XXXX  my child. Because I took XXXX XXXX and did not receive the commission portion of my income, my total averaged income had an annual difference of {$10000.00} or $ XXXX/monthly which is a HUGE difference in my monthly income. I gave an explanation to the loan originator, but she said we would have to go FHA and " it would take too long '' to switch back to a conventional loan at this point and I would miss my closing date. I came back to work in XXXX and could prove I was receiving the commission and had the ability to repay. I feel a letter of explanation could have been submitted as my ability to repay was in good standing due to the return of my commission on the pay stubs used to qualify. Due to this blunder, I lost about {$10000.00} in equity due to UFMIP and I have attached an email with the breakdown of the two loans which shows a difference of the {$10000.00} from the loan originator.
Product: Credit card

There are several inquiries on my credit bureau report that appear to be in duplicate. They are all listing as a request by synchrony bank. There are duplicate entries by bank for TJMaxx. XXXX of the XXXX entries by XXXX has been deleted but an extra one remains. There is an erroneous inquiry on XXXX/XXXX/XXXX by the same bank. The bank reports they have opened an investigation with the credit bureau but it has been more than 30 days ago and the items remain. Written information about dispute never received from company as promised.
Product: Student loan

When I call I advise the representative that I give my mother permission to talk on my behalf they told me that I can not do that and then the payment plan that they want to put me on I can not afford that.
Product: Credit reporting or other personal consumer reports

I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Still Has Not Resolved My Issue And Still Have Not Remove The Block For The Fraud Accounts That Where Open With My Social Security Number. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Early Warning Claims This Accounts Where Already Disputed And That The Blocked Will Remain On My Consumer Report For Opening Checking Accounts Or Saving Account For The Future and They Are Requesting For Information In Writing About This Account For They Can Disputed in XX/XX/2018 XXXX Requested to Early WARNING To Remove the block for any XXXX   Accounts.
Product: Credit reporting or other personal consumer reports

I'm absolutely livid with XXXX 's recent refusal to furnish me with a credit score, especially given that I obtained one less than two weeks ago. Despite my persistent efforts to glean insights and rationale, they've opted to keep me in the dark. This lack of transparency is not only disheartening but also severely undermines my ability to manage my financial affairs effectively. It's deeply unsettling not knowing where I stand and why XXXX has abruptly halted this essential service. 

I've tirelessly reached out for clarification, yet I'm met with silence or vague responses that do little to assuage my concerns. The implications of this denial are far-reaching, casting doubt on my credibility as a borrower and complicating any plans I have that rely on a clear understanding of my creditworthiness. 

What's more frustrating is the absence of any tangible explanation. Is this a technical glitch, a policy change, or something else entirely? Without concrete answers, I'm left to speculate, exacerbating my frustration and sense of helplessness. 

XXXX needs to realize the gravity of their actions and the impact it has on individuals like myself who rely on their services to navigate the financial landscape. It's imperative that they provide the transparency and accountability I deserve as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters after letters and I have asked them to send me a record of the late payments that they are claiming me to have. They claim I was 90 days late on a payment in XX/XX/2019. Which I know is a lie, I also let them know that if a person is so called late on a 90 day payment why did you only report it in XXXX, why didn't they report is showing XXXX, and also XXXX in the allotted spaces with is illegal to do. They should have listed every SINGLE late payment from my credit report regardless if theres more than 1 late per account. If I had a 90 day late payment reported, there should be 3 separate late payments listed in the allotted slots. Which there is not. So this is reporting wrong and I just want it to be updated. Plus XXXX XXXX has already taking all student loans off my report. Not saying that I don't owe them because I do. I just want them removed due to they been on my report more then 7 years.
Product: Credit card

XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX music festival made withdraw not planning on booking event, ,card company is not trying to give me my money that is due..
Product: Checking or savings account

Chase Bank is debiting {$5.00} from my savings account each month, because they claim I do not have auto-deposit established on the account. They have done this 3 months in a row even though I do have auto deposits created, to transfer {$25.00} from my checking to my savings with each direct deposit. Chase is stealing from me.
Product: Vehicle loan or lease

I have a loan with credit acceptance back in XXXX I got approved for a car even though they knew I was going through identity theft and and so for that they send my payments for {$260.00} okay I'm on XXXX XXXX and at the time I did have a XXXX  XXXX XXXX XXXX well I lost my job due to identity theft and hacking and fraud because they said that probably the activity on my account so I lost a job well I called in credit acceptance right away and told him the situation that I'm just working off my XXXX now and I just have to so bad in the hacking that I can only afford {$160.00} a month they said no problem we can work with you. They're threatening me to take my car I have made payments to him off by XXXX XXXX  and it's like the payments disappeared and never went to credit acceptance I guess a hackers took it I made over {$500.00} in payments that are missing and this ain't right and now XXXX XXXX  XXXX XXXX  the same guy keeps answering the phone that's that's fraud and they're up in my bank account and there's so much activity on my account I want all my money back like now I'm not playing
Product: Student loan

I had requested an Income Based Repayment Plan in XXXXXXXX  & was denied on lies. At the time, I was only making {$1000.00} - {$1200.00} a month while Sallie Mae ( now Navient ) was demanding a monthly payment of $ XXXX per month. The representative lied & said that I did not qualify for an Income Based Repayment Plan & forced me into a Forbearance plan. I was stuck on Forbearance payments until I got a higher paying job in XXXX & could finally afford the {$960.00} per month that Sallie Mae ( & later Navient ) demanded. This forced Forbearance did not stop the interest which added another {$30000.00} minimum in interest to my total. I have paid over {$90000.00} in payments over the last 14 years ( with never a single late payment after my Forbearance period ), but I still owe over {$56000.00}. My original loan total was around {$80000.00} in XXXX when I graduated. 

This year XXXX XXXX  ), I tried to refinance my XXXX XXXX XXXX with the Department of Education, but found that Navient converted my loans to private loans without my knowledge or consent in XXXX. My loans were Federal & should still have the protections guaranteed to such loans despite Navient being ineligible to service such loans. 

Sallie Mae & now Navient have both scammed me for considerably more money than I originally owed for my loans. As they gave me no proper information/documentation about either the Income Based Repayment Plan or the changing of my Federal loans to private, I have no files to upload other than any statements I can get from Navient of my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

* XXXX * XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX # XXXX THIS ACCOUNT IS A ERROR XXXX, XXXX MISSING INFORMATION. 
THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA 623 VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.
Product: Credit card

Re : Sears Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citibank made a deal to make $ XXXX monthly but they do n't send any statement to show how much owing and to send payment. Instead I am supposed to call XXXX XXXX XXXX, but when I call at least two or three robo phones scrutinize a/c number, ss number and then call goes to XXXX, spending there 10 minutes, and then call comes back to USA. You have to repeat all your info at least 3 or four times, wasting one hour. Citibank should send me statement every month and give me a chance to mail check to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I experience fraud and identity theft at chase bank. In which XXXX dollars was stolen and the wrong information is showing up on my account and I can not access on line. The last numbers are XXXX and that is not my number. It is XXXX XXXX. It's keeping me from accessing my account and funds