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

Please Remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.Please remove any information that the creditor can not verify.I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. I believe this account is either inaccurate or not reflective. 

PLEASE send an updated copy of my credit report. According to the act there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Checking or savings account

XXXX XX/XX/year> i was sent a XXXX payment whom then i find out that the individual disputes the transaction after he willing knew he was sending to me for payment. and now my bank whom is suppose to be making me aware of this decides to tell that account will be on hold for the XXXX payment i received for the amount of {$180.00}. my account holds {$1300.00} dollars for my bills and i can not use them because of this dispute put against me.now ive mention to bank and person that id gladly send the XXXX because it first of the month and bills dont go a dispute HOLD they go to collections ASAP. please asist with this unpleasant experience.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has repeatedly harassed and attempted to collect a debt in the amount which has never been verified or proven with documentation that the debt is in fact legitimate. This company and its affiliates have been proven to use illegal tactics in the past. XXXX XXXX acquired this debt from Synchrony Bank and has been adding compound interest. This debt was originally under a XXXX dollars and is well over 7  years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied from a lender due to " too many inquiries '' from Transunion. I was alerted by that, therefore i proceeded to check my credit reports from all the bureaus for accuracy purposes. I then noticed that there are several inquiries on my report that I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I contacted Transunion and was given no relief and provided no help to my issue. I placed a fraud alert to prevent this issue in the future, and it still continues to happen. Please, see the inquiries that were not authorized by me and when the report was improperly requested and received. I contacted the companies, they were unable to provide me with any information and none of them received any identification and authorization from ME to request my credit reports for any reason.      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

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXXXXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXXXXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXXXXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

XXXX XXXX I requested to close my account after not being able to log in after my XXXX vacation. I requested account closure and for my remaining balance which is my savings of {$10000.00} to be sent out via check. The bank responded that my remaining funds will be sent to the state of Indiana the source of the funds. Ive had my saving sitting for a year while my other funds were shifted through my checking with no problem I dont understand whos the source other than myself. I was also sent an account article and upon reading the article they legally have to send any remaining balance to the address on file so Ive been waiting for my money and its been almost a month and now the support team has not responded since that was stated XX/XX/2022
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I request verification and validity of debt and midland never confirmed or sent any verifying information yet still reported this debt to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

U noticed a few inquiries in my report I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a credit card with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Account went negative and was charged off in XX/XX/XXXX, however, current report shows account as " revolving '' and " failure to pay '' month after month, despite being charged off by XXXX. 
Further, attempts to reconcile this debt have gone unanswered.
Product: Credit card or prepaid card

MY NAME IS XXXX XXXX. I AM XXXX YEARS OLD SND HAVE BEEN A VICTIM OF FRAUD ON ALL MY CREDIT CARDS. I EVEN HAD TO CHANGE MY BANK ACCOUNT NUMBER. THERE IS A COMPANY CALLED XXXX XXXX XXXX XXXX XXXX  THAT HAS GOTTEN A HOLD OF MY CREDIT CARD INFORMATION. THEY CHARGED MY CREDIT CARD 2 TIMES XX/XX/XXXX {$12000.00} AND XX/XX/XXXX $ XXXX WAS TOLD THAT THE CREDIT CARD COMPANY WAS GOING TO REFUND THE {$18000.00}. I THEN RECEIVED A PHONE CALL STATING THAT THEY CAN'T REFUND ME BECAUSE OF THE LENGTH OF TIME THAT THE MONEY WAS PAID. I HAD CHARHES FROM THIS SAME COMPANY THAT CHARGED MY OTHER 2 CREDIT CARDS VISA AND XXXX. THEY BOTH REFUNDED MY MONEY. I THEN CALLED THE CC COMPANY WITH MY FRIEND XXXX AND WE SPOKE TO XXXX AND SHE THOUGHT WE WERE ON HOLD BUT HEARD HER LAUGHING AND TALKING ABOUT ME. SHE SAID I WOULDN'T REMEMBER ANYTHING NEXT MONTH. SHE WAS TAKING ADVANTAGE IF A SENIOR CITIZEN AND SHE DISRESPECTED ME. I HAVE BEEN A CLIENT OF THIS CC COMPANY FOR YEARS AND REALLY FELT TERRIBLE.WHY ARE THESE COMPANIES TREATING A XXXX XXXXEAR OLD LADY LIKE THIS.
Product: Debt collection

On XX/XX/XXXX I contacted Meyer and Njus about my monthly payments of {$250.00} to put a stop payment on the month of XXXX. The Man I spoke with XXXX said they can do that and hold off until XXXX. The following week that payment was still taken out and my bank account overdrafted. After seeing this I contacted Meyer and Njus and they said they will reverse it but its been almost two weeks and still nothing came back.
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 XXXX XXXX XXXX. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX & XXXX : Account Number XXXX XXXX Account Name : XXXX, XXXX & XXXX : Account Number XXXX XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

A representative from American Education Services ( AES ) contacted me regarding terms of my student loan, During the conversation he asked if i wanted to have him set up auto pay. I said yes. He set up wrong amount by about 5 dollars a month. I wrongly trusted AES employee acted correctly. Unbeknownst to me though I was paying every month, on time, but not the full amount ; In turn they reported it every month to the Credit Bureaus as late continuing up to 180 days late every month! 
This went on for quite a while because their correspondence seemed like attempts or options for me to pay increased amount on principal. Eventually, when I checked my credit report I noticed many the derogatory charges. I contacted AES, explained the situation and corrected their mistake. I took ALL steps to reimburse them fairly. Currently I am paying more than required amount. However ... ... 
When I asked them to amend my credit report they said they do NOT do complimentary credit report changes. Period. I acted in good faith and remain in good standing with my loan terms. I do not believe they did. 
******This is affecting my ability to buy a house*******. What other recourse do I have? 
I am a XXXX and Military XXXX as well. This kind of company practice should not be put on us who have done everything we can to protect and serve our country and its citizens. Thank you.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Owed : $ XXXX Late/Closed XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} - Collection
Product: Money transfer, virtual currency, or money service

XX/XX/year> XXXX I was scam for credit repair services I tried to contact the receiver but she blocked me. 
Amount {$420.00} XX/XX/year> XXXX I was scam for credit repair services I tried to contact the receiver but she blocked me. 
Amount {$200.00} XX/XX/year> XXXX I was scam for credit repair services I tried to contact receiver but she blocked me Amount {$200.00} These transactions were made through cash app.
Product: Debt collection

Today XX/XX/2019 at approximately XXXX XXXX a creditor, AA Recovery Solutions on behalf of XXXX XXXX XXXX XXXX called a reference that was provided on the loan application. The Creditor XXXX XXXX provided my reference with full details on my debt owed. He went into full details about the payment arrangements and the terms ( full dollar amount and dates ) we were discussing. I did not authorize the creditor to do such a thing. I'd like to know how to hold them accountable for doing this. I have been working with them to come up with a solution to the debt but had a flood in my house so didn't get back to them. It's only been a little over a week of not returning a call!!
Product: Credit reporting or other personal consumer reports

The whole month of XXXX and XXXX Ive been calling these companies I saw on my credit report that I did not authorize or had any idea that they had ran my credit. And because of them running it it resulted in a hard injury. Ive tried talking to the company but no one wants to help me get this inquiry removed and resolve this matter.
Product: Vehicle loan or lease

Lender : Credit Acceptance Reasons For Complaint : Deceitful Practices, Improper Payment Practices, Impractical Payoff Process, Failure to provide Refund per contract, Failure to Return Over payment per contract, Misleading Costumer Service. 

This company has policies that make it impossible to pay off your car loan. They cap the amount you can pay at a Time online, and they also like to return a refund payments for no reason also there have been payments of mine that have gone missing and I believe that I had to pay this car off twice. On XX/XX/XXXX I made my final payment to pay off the payoff quote which they only allowed to be good for 24 hours thus having caused me to have to scramble within those 24 hours to make the payments on time. They claimed that I did not make the appropriate mark on the form saying that my Gap refund amount be included or not but I did however do what I was supposed to do to properly close the loan. The lady on the phone misled me into doing it again getting a different charge off quote for what was already basically paid for that didn't reflect in the system thus forcing me to have to pay it again to close off my loan that was on XX/XX/XXXX they waited the exact 20 days to release my loan my title however I have not gotten the extra payment I was forced into making or my Gap refund back and now I can't even get a hold of them on the phone or find it get any access to my payment history. They have lied to me I've been jumping through their hoops this whole time they charged me outrageous interest rates and the people on the phone lie they are rude and they still haven't given me my money but whenever I pay late which I never have I would have been charged I outrageously ridiculous amount but yet they can't pay me per their own contract my money back that they forced me into paying over.
Product: Mortgage

Wells Fargo refuses to answer the following question : Is Wells Fargo required to follow Federal Law regarding Mortgage Foreclosure regarding my Wells Fargo Texas loan? 

If yes, please cite the law ( s ) you are required to follow. 
Or If no, please advise.
Product: Credit reporting or other personal consumer reports

.My name is XXXX XXXX XXXX XXXX i have 2 credit card accounts that's hurting my consumer report XXXX XXXX , XXXX XXXX XXXX  that i paid on time and shouldn't be reporting late or closed as a late account that's a violation of 15 U.S. Code 1666b - Timng of payment i have a car loan that is reporting that's not mines ( XXXX XXXX XXXX ) and the account is not related to me the financial institution violated as well as the consumer reporting agencies 15 U.S. Code 6802 - obligations with respect to disclosures of personal Information, they also broken 15 U.S. Code 1681b - Permissible purposes i never signed no documents stating this inaccurate information can be reported i never not disclosing letters. I have the right to Sue and take legal actions for defamation of character, but i did file my FTC report and the law 15 U.S. Code 1681c-2 - blockage of information by filing my FTC report within 4 days the information on the credit cards should be deleted off my consumer report or updated as paid both credit cards XXXX XXXX , XXXXXXXX XXXX  XXXX on time 100 % or delete them both off my consumer report. The law states 15 U.S. Code 6805 Enforcement - that the CFPB is required and Authorize to make them uphold the law and remove the negative items that is not mines & reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX  XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  only reporting me 30 days late four times. There was definitely an error on their part. I was never four times 30 days late.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in the remove of the erroneous information which is being posted to my report.

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX PL XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX BALANCED {$8200.00} XXXX XXXX XXXX XXXX BALANCED {$11000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

i sent the XXXX XXXX XXXX letters requesting that they show proof that I opened the account and the response I got was a judgement against me that i had absolutely no knowledge about. I was not served nor notified of such. and its not even my dept. I believe someone acted as me or used part of my identity to get the account. not sure how it happened but it was not me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting correctly. These accounts show late payments listed but were in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. These accounts have not ever been late on payments. I have included a copy of the reporting to this complaint. I am now requesting this matter be investigated and update these payments to be paid on time immediately, Thank you for understanding and for your prompt action. 

These were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Description of the problem : PAYMENT NEVER APPLIED TO MY ACCOUNT- GOLDMAN SACHS BANK ( APPLE CARD ) Sent a payment of {$6000.00} to Apple Card ( Goldman Sachs Bank ) electronically on XX/XX/XXXX. Check for payment was cashed on XX/XX/XXXX. The payment was never applied to my account. 

I have tried to take care of this issue directly with Apple card support. I have sent them the voided check to show them that it was cashed. They told me they would investigate on their end. 

On XX/XX/XXXX Apple called saying that they would finally apply {$6000.00} payment to account with interests accrued. 

It's now XX/XX/XXXX. I have called them and they have no idea what I am talking about. 

No one knows what is happening, continuous contradictions and I have all recorded over the phone. 

This is so stressful as I am being taken advantage of. 

I have never in my whole life experienced anything like this and GOLDMAN SACHS is responsible.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am not aware of them, and the company handled this without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  2001 ,  XXXX   XXXX    XXXX   issued to me a  XXXX  ending in xxxx  XXXX .     The ir 30-day la te payment notice is still on my credit report.     I believe the statute of limitations has passed.     So I have tried to have this late payment removed. My lawyers have also filed numerous credit bureau appeals.  XXXX   XXXX  and their new credit card department in  XXXX   XXXX   (   XXXX  was acquired by  XXXX  ) refuse to remove this damaging statement from my credit report.
Product: Credit reporting or other personal consumer reports

I have had my checking account locked and it can not be unlocked unless I call in with a verified phone number. I have only the one phone number but they still can not verify me and now all my funds are locked and I can not feed myself
Product: Credit card or prepaid card

XXXX is blocking me from enabling external applications. I want access to enable such applications.