23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am the co-borrower of the loan with Sun Trust. The originator of the note is XXXX XXXX who is protected by bankrupcy. I have made all the payments on this note. I live on a fixed income and always are a few weeks late due to the fact that XXXX comes the third of the month. I have requested that Sun Trust refinance it in my name with my check each month as collateral. I spoke to the XXXX Sun Trust Officer last month and she says nothing, but to go to another bank. In the meantime, I am paying interest that are in excess of 40 %. Sun Trust refuses to renegotiate this loan and it is costing me late fee 's and unreal interest. 
I have spoken to them on a dozen situations but they are not willing to help. I will end up paying {$30000.00}. for a XXXX dollar truck and that is not fair. XXXX XXXX the originator of the loan is protected by Bankrupcy and I have not had a payment history of any kind in more then a year now, no statements, nothing.
Product: Student loan

My former loan servicer, ACS, never informed me ( after several inquires on my part ) that i was not set up on the correct loan type ( which would be direct consolidation ) to receive XXXX. I asked several times and inquired to make sure ... i was on the right repayment but not on the correct loan. So, now after paying on my loan for 10 years i now have to start over and i owe XXXX more than my original loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I have been having issues with Companies trying to garnish my wages for someone else information appearing on my credit report. Please remove the following addresses they are not mine!! 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Money transfer, virtual currency, or money service

I was looking for an apartment to rent and this person named XXXX XXXX who claimed to have an apartment property in XXXX XXXX XXXX XXXX, IL XXXX. She currently lives in XXXX XXXX so she wanted to go through XXXX  for security purposes on both parties while she is overseas. I agreed and sent me a link that seemed exactly like XXXX. On the link I had information that required a {$2800.00} deposit to move in for a 2 months rent ( $ XXXX ) and a security deposit ( {$950.00} ). Upon agreement I asked why the wire transfer with the account numbers was through a person named XXXX XXXX in Alabama. She explained that it was XXXX and they have a contract through them and once i send the money i will have a contract through XXXX and will get the keys to move in and rent out the flat. So i transferred the money and received an email receipt and an invoice through XXXX or thats what i thought. The wife transfer seemed suspicious to me and how XXXX never responded for further instructions. I then went on the real XXXX website and contacted customer support to confirm my reservation. Sure enough the customer agent rep told me they couldnt find me and told me the link i provided to them was not theirs but looked exactly like their company. She advised me to contact my bank right away because it has been happening a lot to other people and its what they call phishing. I contacted my CHASE bank right away as it was still under pending and made a claim. They reassured me that the transaction is under investigation and since its under a pending review, the transaction should be on hold until claim is done with investigation. This morning i saw the payment was no longer pending and it went through but Im not sure why if they atleast tried to reversed for a recall. Chase bank kept giving me the run arounds that one department is able to help me but at the end nobody can help. A rep also mentioned that the only department that can help me is the wiring transaction department but that they are closed since the pandemic started. How is that my fault and why cant these sort of scenarios that need escalations be escalated? So my claim for a SWIFT recall from Chase bank to XXXX XXXX ( XXXX XXXX XXXX ) hasnt even started and that is why the transaction is no longer under pending. Every time i called XXXX, no representative is able to help me with this case or refused to at least try and help me find information to reach the wire transaction department to recall me back my {$2800.00} which could have been prevented if they had at least one representative that were able to handle this type of situation. No manager, no department knows how to help me and am getting passed around with no solution which is unacceptable when they are working for a company that is responsible for their consumers money.
Product: Credit reporting or other personal consumer reports

I made a purchase from Macy using Macy 's credit card ( ending in XXXX ) and I had a mis a payment. Citi Bank who is the provider of the credit card reported mis payment and my credit score decreased by XXXX points on XX/XX/XXXX. When my bank informed me via email of the change in credit score, that's when I checked and realized I had an outstanding payment. Because Macy 's do not send any emails or paper statement I forgot to pay. I subsequently paid the outstanding balance. After that payment I received a late fee of {$77.00} and I paid that too. Then I received another notification from my bank that my credit score had decreased again. When I check my credit report, it decreased by XXXX points because Macy reported that I owned {$2.00}. 

I called Macy and asked what was the {$2.00} for because there is no statement on the website explaining the {$2.00}. I was told its interest on the late fee that I had already paid. I asked why it was not included in the late fee itself and not after the fact. I paid the late fee as soon as it was posted on Macy 's website. After contacting Macy on two different occasions the {$2.00} was withdrawn from the outstanding balance but the damage to my credit report remains. 

I think Citi Bank is conducting fraudulent practices and I begged for someone to please look into this matter so that my credit score can be corrected.
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and 3 accounts have been opened using my personal information that I did not authorize. I have contacted these companies and they can not provide any contract bearing my signature that I have an obligation to their company or anyone they represent. These accounts are a result of identity theft. XXXX XXXX in the amount of {$400.00} XXXX XXXX in the amount of {$370.00} AND ANOTHER XXXX XXXX in the amount of {$610.00} Please delete and block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I appreciate your prompt attention to this matter and await your reply.
Product: Debt collection

Halsted debt collector calls me 10 times a day. The phone rings and they hang up after I answer. I use this line for business and it happens repeatedly. I have to call them before they will talk to me. I have asked them to remove this number and cease to call it, but it is continuing to happen.
Product: Debt collection

This company never informed me of any such debt but has accounts in my name on my credit report from XXXX. I have reached out to this company years ago XXXX/XXXX/XXXX to get this removed and I was told it was taken care of. Today XXXX/XXXX/XXXX I speak with a XXXX at this office and I am giving her information about this account and she acts rude as if she did n't want to give me her name and cuts me off several times before I can finish my full story. Then she just leaves the phone and put another person on the phone playing as a manager. XXXX XXXX. He was a better listener to my concerned however all information he provided of me was INVAILD. The medical bill that I was being billed for he did n't even have my insurance information correct. But tells me he ca n't do anything to resolve the information. All collections agencies by law are suppose to provide me such information showing what I owe how and why. He did not offer a dispute to contact the original biller or anything. He listen to what I had to say but came across unhelpful and extremely rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening. I am having issues with Experian. I uploaded several documents to Experian Upload on XX/XX/XXXX. Someone later I received a letter advising they were going to reinvestigate the companies without new information. So, I contacted Experian on XX/XX/XXXX to clarify my request. The Rep advised there was an error and she would re enter and backdate to XX/XX/XXXX. I called back on XX/XX/XXXX to ensure all the companies were listed and I would receive Method of Verification. The lady advised no such thing was available and she vould send thier general process. I advised that was incorrect and I wanted to speak with a Supervisor. Upon speaking to XXXX XXXX XXXX the Supervisor he advised again Method of Verification is not available. He advised a system is used and my completed dispute is my Verification. I asked how does the customer know you really verified the information listed on my credit report is accurate? Again he said the verified dispute. I have 2 issues with that. One the same creditor is listed different ways on all 3 credit reports. Two according to FTC and the bottom of my credit report days, I have the right to request information regarding how an account was verified. As well they cant just parrot information they must make a reasonable effort to verify information.
Product: Checking or savings account

I opened the account and a week and a half later they closed it because I found some laws Title 15 Sub-section title 1611 faults and misleading denial of my own credit .that states that you can not deny one person of their own credit, and they close my account because of that. The arbitration agreement states.15 USC 6802, 15 USC 6803, 15 USC 6804 and 15 USC 6805
Product: Student loan

I have a loan with DEPTEDNELNET. 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 XXXX, XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account with XXXX XXXX XXXX and filed a complaint with CFPB regarding the account. The account was closed prior to 2016 with a {$0.00} balanceXXXX XXXX XXXX  XXXX did not respond to my CFP complaint within 30 days and requested an additional 45 day. However, to date I have not received anything from them in response to the complaint.
Product: Debt collection

On XX/XX/XXXX, I received a pre-legal notice from MCM, about a debt they claim I owe them. I have no recollection of such a debt. And I wrote them a letter disputing these claims. As well as asking them to cease contacting me I sent the letter via certified mail on XX/XX/XXXX. However, the calls have not stopped, even after I asked them to. At this point I feel harrased and frustrated that they are not respecting my wishes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD AN ACCOUNT WITH XXXX XXXX, THEY CHARGED OFF THE BALANCE OF XXXX IN XXXX, NOW THEY ARE REPORTING THAT THEY CHARGED OFF THE BALANCE IN XXXX ( ONLY TO EQUIFAX ).

MY MORTGAGE LENDER SAID THIS IS ON A XXXX  XXXX REPORT AND I COULD NOT SEE IT, SO I CAN'T DISPUTE IT ONLINE. 
XXXX XXXX DENYS THAT IT IS REPORTING THE CHARGE OFF IN XXXX, MY LENDER SAYS THEY ARE. 
I WAS TOLD AS OF XXXX, XXXX IT SHOULD NOT EVEN BE ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hey my name is XXXX, I am not working with a 3rd party nor a credit repair company. I am, sending this letter myself. I have studied my consumer rights. Youre a credit reporting agency that needs to perform lawful acts! Youre violating my consumer rights! Under the FCRA 15 U.S. Code 1681- Congressional findings and statement of purpose, Accuracy and fairness of credit reporting! IT MUST BE ACCURATE! IT MUST BE FAIR! IF NOT, THEN IT NEEDS TO BE DELETED FROM MY CONSUMER REPORT! There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You never received my permission to release my information pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) I have never given you my written instructions. Please show me proof that I gave you permissible purpose to furnish debt on to my consumer report. Pursuant to 15 U.S.C 1681 section 602 A. States I have the right to privacy. Please follow the rules, or I will have to seek litigation as it only cost XXXX XXXX to take you to court! Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. 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.I NEVER GAVE MY CONSENT SO THIS IS NOT FAIR NOR ACCURATE! DELETE NOW! 

Permissible purpose = written instructions With permissible purpose = consent Without permissible purpose = Identity Theft YOU DO NOT HAVE written permission or instructions for the identified transactions to be reported on my consumer report. I demand the following accounts be removed immediately. I DO NOT CONSENT TO E-OSCAR VERIFICATION I will also be seeking {$1000.00} per violation for : 15 U.S. Code 1681i ( iii ) ( 7 ) Description of reinvestigation procedure 15 U.S. Code 1681n 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Transactions and experiences are not included on my credit report 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports YOU DO NOT HAVE MY written instructions 15 U.S. Code 1681 ( B ) ( E ) FALSE INFORMATION 15 U.S. Code 1681b DID NOT USE MANNER WHICH IS FAIR AND EQUITABLE TO THE CONSUMER IN REPORTING NEGATIVE ALLEGATIONS WITHOUT WRITTEN PERMISSION 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.

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 15 U.S.C 1681 section 602 A. States I have the right to privacy I demand the following accounts be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank flagged my account past due on XX/XX/2023 as 30 days late violation of 15 USCode section 602 15 US 1681 b furnishing a consumer report without the consent of the consumer section 604 I am demanding a deletion of this late payment from my credit report 15 USC 1681a ( e ) makes it clear that if a consumer reporting agency investigates something it is known as investigative consumber report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an XXXXXXXX XXXX for a few years and always consent to a background check. It was time to renew this background check this year and info was reported that haven't showed up on my credit files ever. I have been painstakingly keeping my credit in the green, paying all my debts and something that happened XX/XX/2003 that I took care of back then is now showing up. It hasnt shown up before. I had a check bounce at a XXXX. I think it was for {$65.00}. As soon as I was made aware of this, after a case was filed, because I checked my acct and it had cleared, but then it was returned for insufficient funds, but I didnt know this, and a case was filed. I went to XXXX to pay this debt as well as went to court. They asked if I had paid XXXX which I said yes I did, I paid a {$100.00} fine and that was it. I thought everything was taken care of and I never saw this on my credit file. I have pulled my credit file, I am with XXXX  XXXX  and no negative actions have pulled up there. 
I would like this old information cleared off my count immediately. It is 18 yrs old and I would like your assistance. This information was supplied to XXXX by Checkr , Inc.
Product: Credit reporting or other personal consumer reports

Failed to properly investigate disputed items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers ' access to credit, employment, and housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. NATIONSTAR/MR COOPER XXXX Date Opened XX/XX/XXXX Balance {$360000.00}.
Product: Credit card

I WAS UNABLE TO ACCESS MY CREDIT CARD ACCOUNT FOR XXXX XXXX IN WHICH ANOTHER EMAIL AND ADDRESS WAS USED AS A PRIMARY ADDRESS ON ACCOUNT AND I HAD NO KNOWLEDGE OF ACCOUNT OR ADDRESS. TO ADD AND OPEN DISCOVER CARD ACCOUNT THAT IM FORCE TO PAY BECAUSE IT WAS OPENED WITHOUT MY PERMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX credit card and filed for bankruptcy. My credit card was in the name of XXXX XXXX. I have filed a dispute through Experian and sent 2 letters to XXXX but my Experian credit report is still showing this account as a collection instead of discharged through bankruptcy. My bankruptcy was discharged in XX/XX/2018 and I am unable to have this reported correctly. I dont know what else I can do. 

I have the same issue with XXXX XXXX my name on the account was also XXXX XXXX I have since been divorced & my name has changed to XXXX XXXX
Product: Credit card

Re Chase XXXX XXXX XXXX Credit Card ending in # XXXX On XX/XX/XXXX I paid a purchase at the XXXX by XXXX of {$7.00}. On the XX/XX/XXXX I was charged on the Chase Credit Card ending in # XXXX {$7700.00}. On XX/XX/XXXX my checking account with XXXX XXXX was charged {$15000.00} instead of the correct balance of {$8200.00}. Since the account was on auto pay full statement balance, I didn't notice until my checking account with XXXX XXXX was overdrawn due to the overcharge of {$7700.00}. I called the XXXX by XXXX, Chase Bank and XXXX XXXX to get this corrected. On XX/XX/XXXX I made an online payment of {$8200.00} so not to get charged interest, the payment was due on XX/XX/XXXX. On XX/XX/XXXX Chase gave me a credit of {$15000.00}. On XX/XX/XXXX Chase did a return payment of {$15000.00}. Chase issued credits on XX/XX/XXXX for {$7700.00} from XXXX and on XX/XX/XXXX {$7700.00} from XXXX. On XX/XX/XXXX I called the customer service # XXXX to get the interest charge of {$43.00} reversed and was transferred to XXXX, XXXX, XXXX in Texas - account supervisor, XXXX -claims disputes, customer service XXXX - supervisor and nobody was able to waive the interest charged on XX/XX/XXXX of {$43.00}. 

I'm looking for a credit of {$43.00} since this resulted due to Chase credit and returned payment on XX/XX/XXXX. 

Thank you in advance for your help in this matter