23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
XX/XX/XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across thislaw today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/blockany items not later than 4 business days. Ive already included this in my previous complaint & I am including itagain., 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 reporting or other personal consumer reports

I have a letter from the FSA dated XX/XX/year> that says the following :. 

We have carefully reviewed your application for borrower defense and determined that any loans that may have been eligible for discharge related to your enrollment at XXXX XXXX were previously cancelled or discharged.

Yet this continues to remain on my credit report regardless of how I try to get it off. The only XXXX loans I've ever had were from XXXX XXXX XXXX which, due to scamming myself and others ( verifiable by just doing a simple XXXX search ), changed their name to XXXX XXXX XXXX This should be removed from my credit report. Not only did XXXX XXXX withhold my XXXX because they said I needed to pay my XXXX loans in full, but they lied to get me in the door. They specifically said they had a work placement department that would get me interviews with companies in my related field, which was XXXX XXXX XXXX XXXX  Well, the only thing they had for me was XXXX XXXX XXXX XXXX XXXX, to which I said the only reason I went with your school was because you said I would get interviews for jobs in my field as I got close to XXXX 

This is where the loan originated, and whether it was bought, sold, or refinanced doesn't matter. It's with XXXX now, but the FSA said it's discharged, and I want it removed ASAP. I have documentation if needed.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX  since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit card or prepaid card

I have a Citi Premier credit card that I have had opened for several years now. When my annual fee came due approximately 4 1/2 months ago, I called in to cancel the card. To entice me to keep the card open, I was offered a promotion wherein I would receive a statement credit of {$95.00} for spending {$1000.00} on the card in each of the next 3 months. In addition, I would receive XXXX bonus ThankYou Points for spending {$1000.00} on the card in each of the next 3 months for a total of XXXX bonus ThankYou Points at the end of the third month. I completed all requirements under the offer and was provided the {$95.00} statement credit as agreed to, but only received XXXX bonus ThankYou Points despite meeting all the required criteria. 

I reached out to Citi on two occasions to get this resolved and was told that the {$95.00} statement credit and XXXX bonus points was what my account was enrolled in. While that was on option, that was not the option I selected on my phone call with Citi when the offer was made. I explicitly had the Citi representative read back to me the terms before agreeing to the offer, which he did, and which clearly stated that I was to receive XXXX bonus points for every month I spent {$1000.00} on the card for a total of XXXX bonus points.
Product: Credit reporting or other personal consumer reports

Company reporting my records that should not be reporting I opt out all the credit companies
Product: Student loan

My federal student loans were consolidated in XX/XX/XXXX. I applied for the SAVE plan at the same time. My first loan payment was made via auto debit in XX/XX/XXXX. The second payment was made via auto debit in XX/XX/XXXX. When I logged in to my account XX/XX/XXXX, it showed that I had no payment due and my loan had a {$0.00}. The only records I could see were for my old, unconsolidated loans. Obviously those showed {$0.00} balances because they had all been transferred to a single new loan. That new loan is missing from my account. When I called my servicer, Nelnet, they were not able to locate my consolidated loan. I was told they needed to look into this on their end, but that I was due a refund and no further funds would be withdrawn from my bank account via autodebit until this was sorted out. Funds were withdrawn from my bank account in the amount of my automatic payment on XX/XX/XXXX. In addition to this issue, I have also received a 1098E stating I paid over {$30000.00} in student loan interest last year. I did not pay more than {$2500.00}. I now have a bigger tax issue to sort out. Beyond extreme negligence, this is having a major impact on me financially and causing undue stress.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX accounts shall report accurately and the attach documents prove these accounts with the account numbers should be removed immediately from all XXXX credit bureaus. These accounts are hindering me and my family from moving forward in life.
Product: Debt collection

On Friday XX/XX/18, I contacted National Credit systems at XXXX, in reference to a debt that I owe to XXXX XXXX XXXX  XXXX of {$150.00}. I spoke to a XXXX and I told her that I paid the debt directly to XXXX XXXX XXXX XXXXXXXX because the debt was just now showing on my credit report but it was not showing National Credit System. 

To make a long story short, after I said okay bye to the rep, she called me 4 times back to back and on the 4th call, I told her not to worry about it because I was going to contact my lawyer, she proceeds to tell me " Well if you wasn't acting like a XXXX little child, I could've told you some important information ''. 

The fact that the rep called me repeatedly back to back and then to tell me her opinion about me, was wrong and then on top of that, she didn't provide the Mini Miranda which by law you are required to do, she didn't verify my info not provided her info. I didn't say it was okay to call my cell and she didn't ask or provide the cell phone script, is a violation of FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for a free annual credit report from XXXX via the XXXX website. However, the site tells me that I need to mail in copies of my social security card, driver 's license, XXXX info, etc. in order for me to receive a paper copy of the report. What 's the point in having an online service if you ca n't receive the report online. Further, sending all that personal information through the mail invites identity theft.
Product: Checking or savings account

TD Bank has blocked me from accessing my checking account and put a hold on my money. I tried to resolve the issue over the phone but they want me to go to a branch in person to solve it which unreasonable and inconvenient for me because at the moment Im in the State of Oregon and there are no branch anywhere whatsoever. They want me to go back all the way to New Jersey in order to remove the hold and I dont think I will be back in New Jersey for at least the next 4 months. The way they handle this type of issue is just out of the ordinary and it is causing me stress for trusting a failed financial institution with my money.
Product: Checking or savings account

Not able to open and account because of an account that has nothing to do with me.
Product: Mortgage

In XXXX XXXX we purchased a home at XXXX XXXX XXXX XXXX XXXX XXXX obtained XXXX and XXXX loan with Countrywide. made our payments on time until in XXXX when discovered that Countrywide committed a fraud on our loan. By this time Bank of America have purchased countrywide loans. We contacted Bank of America and asked them by civil code to provide us with all the supportive documents that we submitted when originally applied for a loan. After several attempts Bo of A legal department could not provides us with documents requested but advised me to file a lawsuit and subpoena their file. We stopped making a monthly payments and preceded with a lawsuit. In XXXX XXXX XXXX Bank of America transferred /sold our XXXX loan to XXXX and on XXXX XXXX XXXX Charged it off. In XXXX I received a XXXX and a phone call that U.S. Department of Justice and XXXX XXXX XXXX XXXX XXXX including B of A. Our loan was modified. I am planning to sell the property and move to XXXX but second loan is still showing on a Deed. I need that remove and since Statue of limitation is over, loan was modified and I should not be responsible for the amount showing on a Deed. I need your help to clear my Deed
Product: Student loan

I returned a call to Heartland ECSI after receiving an automated call from them on XXXX/XXXX/XXXX, asking me to return their call. The customer service agent looked up my account and I logged in online to view it as well. She said it did n't show I owe anything and that I 'm not delinquent. However, my account page shows a past due balance, 1-month delinquency and a total balance due XXXX/XXXX/XXXX. This information varies depending on which section I view, for example it shows that I do not owe anything on the home page but in 'history ' it shows balance due XXXX/XXXX/XXXX. The customer service agent told me that I should n't pay attention to that, and reiterated that I do not owe anything. I asked why it says in parts of my account that I do, and she had no reason but again told me not to pay attention to that. She said that what I was seeing meant that I could pay on my loan if I wanted to. I viewed my most recent statement online ( ending XXXX/XXXX/XXXX ) which also showed a past due amount and current amount due XXXX/XXXX/XXXX. I pointed out that the statement does not say anything about a payment being optional. The agent told me that she did n't know why the statement looked like that and again said that I do not need to worry about it. I asked if I could record a conversation with them confirming that I do not have a balance due on this account, and she said they do not allow recording so they will not speak with me if I am going to record the call. I asked the agent if they record phone calls between us, and she said yes but only for training purposes. I asked to speak with a supervisor. I was put on hold, the agent answered the line again and said that all of the supervisors are in a meeting and she will ask them to call me later. There are no documents available in the 'document ' section of my online account. I am only able to view everything, including my statement, online so I am uploading screen shots of everything. I would like my online account and statements to accurately reflect my loan and payment status as well as any payments due so that I can protect myself as a consumer. They are not allowing this by having conflicting and false information online. They are misrepresenting my current responsibility by producing a statement that makes it look as if I have both a past-due balance and current balance owed. They said they mailed the statement but the address on the statement is a past address, which does n't match the one they have in my online account information. To top it off, their refusal to allow me to record our conversations makes it difficult if not impossible to protect myself against inappropriate attempts to collect this debt and negative credit reporting should it occur. Thank you for your time and assistance in remedying this situation.
Product: Debt collection

To Whom It May Concern, I am writing you in regards to CFPB complaint # XXXX. According to United States Code 15 USC 1601. Be advised, Congress is aware that economic stability would be enhanced and the competition for consumer credit transactions would increase throughout financial institutions, which means my credit is needed. The goal of Congress is to ensure that all consumers, such as myself are aware of the proper use of credit and to know how to avoid the uninformed use of credit and to protect consumers against inaccurate and unfair credit billing and credit card practices. XXXX XXXX, I made an uninformed decision to enter into a consumer credit transaction with US AUTO SALES. I made an uninformed decision to enter into an agreement without knowing the meaningful disclosure of the credit terms. Pursuant to XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ), an agreement is, a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was given a generic computerized agreement that is given to all consumers who enter a consumer credit transaction, without clear and conspicuous terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision, this debt becomes null and void. I, the consumer and natural person did not receive a printed adequate notice. Pursuant 15 USC 1602k. The adequate notice is to give me the pertinent facts clearly and conspicuously so that I had noticed and understood its meaning. US AUTO SALES had the choice of printing the notice, giving it to me on each periodic statement, or by other means to assure I was in receipt of the notice and I did not receive either. As a result of deception of this one-sided agreement, your institution shall remove any derogatory remarks. US AUTO SALES has already updated the account to a {$0.00} balance after making them aware of initial violation of reporting on my consumer report as a charge off which you all are still in violation of. Charges-off 's ( canceled debt ) is defined as INCOME. INCOME does not go on a consumer report. You also stated that you mailed me something but did not verify my accurate mailing address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX there is no other verification needed for my mailing address as I just provided it to you in this complaint. I have also sent this complaint to the attorney general. I expect to hear a response from you all within 15 days. Best Regards, XXXX : XXXX ' Without Prejudice. All Natural Inalienable Rights Reserved.
Product: Debt collection

Hi, I have a problem ... This company say I owe them money??? ... How when I'm in XXXX Florida?? Also I meet people in person ... Also they call me asking if I'm this guy or that guy?? 
I don't know these people nor ever delt with them
Product: Debt collection

I received a letter dated XX/XX/2021 from DIAZ & ASSOCIATES, stating I owed a balance of {$100.00} on a XXXX account XXXX 
They offered an opportunity to resolve this account in full for the balance of {$37.00}. 
I Do Not Owe This Money! 
I have never incurred a {$100.00} charge from XXXX XXXX 
This is a scam attempt to steal money from me. They need to be arrested and thrown in jail.
Product: Money transfer, virtual currency, or money service

So I've been banking with ally for a year or two now no issues. Until I tried to send my boyfriend ( XXXX XXXX ) money for rent and such via XXXX  from my spending to his 3rd party bank, XXXX XXXX. All the way up to the XXXX of XXXX I was charged XXXX  transfers that were sent to my boyfriends account. 

He never received this money. I called ally to try and get this sorted and they closed my account " temporarily '' Then yesterday ( XX/XX/XXXX ) XXXX gets charges from ally adding So of course I call and they tell me they terminated my account. I asked them where this money was going and they couldn't give me an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a notarized Affidavit of Fact and letter pertaining to the incorrect and/or inaccurate information being reported by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX XXXX I was going over my credit report and I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES ACT to help protect the integity of my credit. I was needing my following accounts to refected a current status due to the impact of COVID-19 : XXXX XXXXXXXX XXXX XXXXXXXX ( 30DAYS ), XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX 30days ), XXXX XXXX XXXX  # XXXX ( XXXX 30days ). 

I have addresses showing that do not belong to me. I never lived at these addresses please delete:XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request to delete personal information. 

I am writing to formally request the deletion of a few personal data that is incorrect, please remove the following wrong address and wrong name associated with my account. 

Wrong address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong name : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a serious problem with The Experian Boost Program Malfunctioning on a regular basis effecting my credit score reporting.The afore stated problem is on going and I have reported this issue to Experian Member Complaint Department numerous times and I've have been told that they contact the Tech Company that monitors Experian Boost Experian does not have control of Experian Boost and out sources to a Private Tech Company.I have two Credit Card Accounts on Boost that Malfunction Constanly either Disconnected or Permanently Disconnected a long with Failing to Connect to Utilites Associated with the Cards.The Malfunctioning effects my credit reporting on a monthly basis.These issues have been ongoing for months and have not been corrected ruining my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several calls were placed to XXXX, XXXX, and Transunion Consumer Solutions reporting agencies on XXXX XXXX and XXXX XXXX to inform them that these names addresses phone numbers and employers are inaccurate which have been reported without my consent nor to my knowledge.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX  - XXXX - {$0.00} XXXX XXXX - XXXX - {$22000.00} XXXX - XXXX - {$0.00} XXXXXXXX XXXX - XXXX - {$26000.00} Late Payment XXXX XXXX  - XXXX - {$24000.00} XXXX XXXX XXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  TN XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I am unaware of this issue, and the company acted without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters was sent to XXXX  and Experian credit bureau over 30 days ago and we receive no response from them.
Product: Debt collection

I still have no knowledge of this debt. Because it was preventing me from getting approved on my mortgage, I did pay it. I was told they would send me a letter stating that it would be removed from my credit report. Instead I just got a receipt for the payment. I need a letter of deletion according to my mortgage lender. I will include proof of payment in this ticket. Please help!
Product: Credit card

Subject : Complaint Regarding FCRA and FDCPA Violations by DISCOVER BANK I am writing to file a formal complaint against DISCOVER BANK for multiple violations listed below of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Over the past several months, DISCOVER BANK has repeatedly re-aged the account on my credit report, which has caused significant damage to my credit score.

Details of Violations : 1. Re-aging of Account DISCOVER BANK has continuously updated the dates on this account, making it appear as though these debt is more recent than they actually is. This practice is in direct violation of the FCRA, which prohibits the re-aging of debts to extend the reporting period. 
XXXX. DISCOVER BANK ACCOUNT # : XXXX a. STATUS DATE : CHARGED OFF STATUS DATE : XXXX XXXX LAST UPDATED DATE : XX/XX/XXXX b. CHARGE OFF EACH MONTH XXXX XXXX XX/XX/XXXX - XXXX instances XXXX. Damage to Credit Score : Due to the repeated re-aging of these account, my credit score has been negatively impacted. This has resulted in higher interest rates on loans and credit cards, as well as difficulty in obtaining new credit.

3. Monthly Penalties : According to the FCRA, violations can result in penalties of up to {$1000.00} per month for each violation. Given that this has been occurring for several months per account, the total potential penalty could be {$9000.00}.

4. Continued Updates : Despite my repeated attempts to resolve this issue through my attorney with XXXX XXXX, the account continue to be updated monthly, further exacerbating the damage to my credit score.

Since these disputes have been ongoing through my attorney for over a year without corrections, the 30 day time frame is forfeit. 

Supporting Documentation : Attached to this complaint are copies of my credit reports that support my claims : my attorney has been diligent in trying to get responses from them, sometimes to no avail.