23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020, I was making a large online purchase with XXXX XXXX XXXX  ( XXXX  ). Through the purchase process, there was an option to finance the purchase with 0 % interest for 6 months. I applied for and was approved for the financing. On the next screen, a credit limit and account number were populated along with an option to " shop now ''. In my consumer mind, the " shop now '' option would allow me to shop using the new credit line issued through Citibank XXXX XXXX. When I got back to the check out screen for XXXX, there was no account number populated. I then checked my email, where I had confirmations from XXXX and Citibank. The Citbank confirmation email directed questions to a link and stated simply type " I am a new Card holder '' in the chat window. When I did that, I was directed to a list of FAQs. One of which was, " Where can I find my Account Number ''. The answer to this FAQ was : " Oh, good question! I can help you find that. If you processed the application online and it was approved, on the final screen it shows the credit limit and also your card number. That is the only time when the full account number will be listed online. We do that for your protection! If you skipped over that screen, or you had any other errors, you can call customer service in the first 10 days following the application to get your card number. Customer service will connect you to our security team and after a few verification questions, you can obtain your card number. There you go! '' When I called customer service and verified my information, they refused to provide my account number and stated that they were not allowed to provide it not matter what the website said. 

My purpose for applying for this credit line was to pay for my purchase that day. Through the application process, there was never any indication that I would not be able to use the account that day on that purchase. My credit was inquired upon, causing consumer harm, as I was not allowed to use the account for the intended purpose. 

I want this credit inquiry wiped from my credit report. It is unfair and deceptive to advertise financing of a purchase when there is no mechanism for the consumer to use the credit line for the purchase in front of them. Further, Citibank 's website provided incorrect and misleading information related to XXXX new account holders. This misinformation should be corrected to prevent future consumer harm. It is unfair for my credit to be negatively impacted in conjunction with this credit inquiry as I was not disclosed as to the fact that I would not be permitted to use the credit line on the purchase for which I seeking financing. I have asked Citibank to close the account and I want the inquiry removed from credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I was reviewing my credit report and noticed that there had been a collection reported on my credit report in error. IQ Data International XXXX in the amount of {$310.00} Added a derogatory mark on my Credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did not verify this collection. 
Also there was NO written form of communication, contract or signature for this accused debt AT ALL. A bill without a written signature does not validate the debt and anybody can send a bill and say that it is mine. According to FCRA, IQ Data International has violated my rights as a consumer and I am requesting legal action to remove/delete this account immediately.
Product: Credit card or prepaid card

AMERICAN EXPRESS COMPANY is obligated pursuant to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX filings and Indenture agreement to perform their contractual obligation by making payment of the principal amount and interest on all notes issued to the registered holder of said note. Consumer sent several notices via UNITED STATES POSTAL SERVICES dated XX/XX/2023, XX/XX/2023 to XXXX XXXX XXXXXXXX XXXX XXXX notifying him of redemption of said note and to transfer the principals balance to the principals account number to set-off the account to XXXX as stated in AMERICAN EXPRESS COMPANY indenture agreement Method of payment ; Denomination ; Transfer ; Exchange ;. 

Said company had 3-5 business days upon receipt of such notice to perform their Fiduciary duty, but failed to act in honor and good faith pursuant to their contractual obligation. AMERICAN EXPRESS COMPANY is also obligated by the FCRA to report accurate accounting to Consumer Reporting Agencies CRA, however the reports being furnished is inaccurate and a defamation of consumer character. SAID company is also liable under the CFPB and SEC to remain complaint with financial laws and regulations. AMERICAN EXPRESS COMPANY commission file number XXXX. XXXX XXXX. SAID company is still reporting inaccurate and late payment information on an open ended credit card account which is a violation of 15 USC 1666A, 15 USC 1666b which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ; took an adverse action against the consumer by decreasing the credit limit due to their failure to not act in good faith by not applying consumer credit balance to set-of the account ; which is discrimination under the Equal Credit Opportunity Act ( ECOA ). AMERICAN EXPRESS COMPANY willfully and knowingly choosing to act in dishonor is damaging my consumer report, causing me mental anguish and emotional distress. I will be filing Treasury XXXX forms XXXX and IRS XXXX form XXXX to audit consumers account. AMERICAN EXPRESS COMPANY is securitizing my data yet refuse to transfer the principal interest to the principal balance to set-off said account to XXXX balance which they are lawfully required to pursuant to their indenture agreement; SEC filings XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agency XXXX, XXXX, Transunion continue to report incorrect information : don't investigate info existing ; report acct. status/ information incorrectly ; dispute not fixed ; reporting closed accounts; reporting updates to XXXX accounts ; reporting closed accounts in bankruptcy showing as updated ; showing XXXX accounts as updated ; old information appear over and over ; Showing info that belongs to someone else ; Receiving inquire to report not recognized ; receiving financial products after opt out. I last contact the reporting agency in XXXX 2023. I immediately was met with response of my credit score being decreased. This is a pattern when I file a complaint with the reporting agency, my score is immediately decreased. I also detect a pattern if my score increases by a day, it is met with a decrease from XXXX pts XXXX days later without no new reporting information. The people taking the reports are often hurried, irritated, incompetent, an unapologetic. I find this to be a cycle of XXXX  by these credit agencies. I have reached out to your agency multiple times without resolve. I would like to solve this without having to enlist an attorney as it is costly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/2022, I sent out a debt validation request regarding several accounts reporting by Nelnet on my consumer report. Nelnet confirmed receipt of my debt validation request on, XX/XX/2022, via email. Nelnet has failed to provide the documents requested, XXXX XXXX of XXXX, the original contracts, Account, Loan Status and balance. It also has been past 30 days and Nelnet has not provided the information requested.
Product: Credit reporting or other personal consumer reports

XXXX recommended a payment plan option that was autodrafted.The last of the third consecutive payment didnt process for some reason.They then put me on another payment plan which i paid out on time.They did not tell me they were reporting to my credit as late payments or that they would be late.XXXX XXXX XXXX, XXXX and XXXX of XXXX are incorrect.
Product: Student loan

I have a student loans, well, two student loans ; one subsidized and the other unsubsidized. These loans started out at about 39K now they are over 45K. I have been on an Income repayment plan - but this is a catch 22! The principal is growing at extreme rates - where I will never ever be able to repay. I feel I was ripped off from the get-go with XXXX XXXX. telling me to take loans and take money and I would not have to pay back. 

I would like to make a lump sum offer, but it seems that I have to be in default - which again is a catch 22, because my Income based repayment amount is " XXXX '' XXXX! So, how can I default to have the creditors come after me to then offer a payoff or lump sum! 

Something needs to be done with this system. I do not want this to grow on my account for 10 years then have it be excused - like they say it will be. I would rather settle this now if possible - please help! Do I need a lawyer? Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX Account number XXXX {$650.00} XXXX XXXX XXXX XXXX Account number XXXX {$970.00} XXXX XXXX XXXXXXXX Account number XXXX {$440.00} XXXX XXXX XXXX {$230.00} 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: Debt collection

Carmax continues to violate my consumer rights. I have sent an affidavit of truth, debt validation letter, and cease and desist. They continue to harass me on a daily basis, multiple times a day.
Product: Vehicle loan or lease

I bought this car with my ex husband back in XX/XX/XXXX. 2 years later we got a divorce and the car was rewarded to me in the divorce leaving my solely Responsible for the debt thereon to prestige and or any payments which may Become due for the use operation and maintenance or financing of said vehicle and shell hold her husband harmless from any of the cost there on. That statement was directly quoted from the divorce papers. That statement has never happened. I have tried many times to make it possible to make me and only me solely responsible for the vehicle even though I have been the only one to pay the payments, maintenance and tag renewal of the car. 

The current situation I am in is I have moved stages, from XXXX  to XXXX, where I am currently trying to get the car titled. The issue that I am having is that the state is stating that he has to be present or sign a power of attorney paper, which he is refusing, for me to be able to transfer the vehicle. Due to the information in the divorce decree, this statement should not apply to my situation. The car company i.e. the loan company, has stated to me that not only is the divorce decree invalid in regards to getting this information changed but will not be changed even if the car is paid off. With this being said I am now unable to get the car licensed tagged and or updated in regards to the tags for the state of XXXX. I am unable to do this because of them being unwilling to follow the divorce decree which has been filed and processed to the state of XXXX. Along with the information stating that I am financially responsible there is also information in divorce decree that states, the husband shell execute any title or transfer documents, if necessary, pursuant to this agreement.. Based off of the last bit of information that I was informed of, my ex-husband is still getting information from this company, prestige, about every payment I have made from the time of the divorce thats up until the most current. 

I have recently tried to contact the car company to ask for any and every advice they might have. I have called on : XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XXXX. I have received no responses from the attempts I have made to the loan company. I now have expired tags that I can not update due to him having to be present, or sign the paper he refuses to sign, and has me unable to XXXX by state laws. I would just like the car to be solely mine like the court order states so I can transfer the car and move on with my life.
Product: Checking or savings account

Navy federal charges overdraft fees even though my account says money available. Pending charges stay for days until they post and my balance does not reflect leading to inaccurate reports to me when I am in a rush.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion sent to the XXXX a letter responding my complaint that I have requested on 13 occasions validation, verification a/o any document bearing my signature and showing that I have a legally binding or contractual obligation for more than one year without any paperwork that proof the accuracy of that information. In a year in a year they could not send me a single document bearing my a sign An employees looking at their screen seeing my name listed in their database is not a valid verification of any alleged debt. 

Under section 611 ( A ) of the FERA Transunion is required to promptly delete all information with which can not be verified according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). 

Transunion require by Federal Law to verify- through the physical verification of the original signed consumer contracting and all accounts you post on a credit report, otherwise anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I request the removal of the account disputed because on 13 occasions youve been unable to provide me through physical verification a copy of the contract as a proof under the FCRA. That action had hurt my ability to obtain credit. 

XXXX XXXX  XXXX XXXX XXXX  XXXX See copy from Transunion answering a complain to the XXXX  They failed 13 to gave me proof of any documentations regarding this accounts XXXX and XXXX REGARDS, XXXX XXXX
Product: Checking or savings account

I deposited my IRS tax refund check into my BMO Harris account at the XXXX XXXX XXXX  location branch. My account was first frozen once I activated my debit card. After a couple days they completely froze my account. How can anyone make a phony tax refund check? I even showed proof with another IRS letter verifying the tax refund check amount. They still say it's suspicious of being fraudulent. Now I have no money and, on the verge of being homeless because of BMO 's mistake! Only response I get is call the fraud team. The fraud team is useless!
Product: Credit reporting or other personal consumer reports

I received XXXX emails from experian today that my social security number is compromised. I immediately tried to log Into my experian account and it seems my account is hacked. My saved username and password will not work. I tried to reset it but it says my phone number is incorrect. It appears my account was hacked and taken over. I have tried numerous times to reach experian but I can not reach them and I need to freeze my account immediately. I can not resolve this at all.
Product: Credit reporting

I was informed by some loan processors that I had an XXXX XXXX account that had an outstanding balance of {$9100.00} on my Equifax file. In XXXX I filed a complaint with the XXXX XXXX ( # XXXX ) listing Equifax failure to update my balance for this account to reflect the proper amount as provided via documents sent to Equifax. In my complaint I informed the XXXX that XXXX had deleted the item from my file. XXXX XXXX of Equifax informed XXXX that my Equifax account reflected the account as Zero as opposed to deleting the item. Equifax showed that I had a score of XXXX as of XXXX, 2016. 
The XXXX account in currently on Equifax file but not XXXX or XXXX and has been reinstated as me having a balance of {$9100.00} again. This done more than likely on purpose and under the direction of XXXX XXXX due to my XXXX complaint. Since then I also received a letter from XXXX advising my account reflects or should reflect Zero and that it has been reported as such to the credit reporting agencies. XXXX XXXX Contact is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried contact to request them to stop repeated inquires that I am not aware of, companies with inquiries that has been on my report for 2 years are more. everytime I contact them It appears that to retaliate, it is pulled every XXXX days. South River Mortgage contacted me about a Reversed Mtg.loan. They asked me questions. I asked for a printed breakdown of cost. They wanted to send out a notary who would have me sign forms and give me a copy. 
I called the loan office that evening left a message that I was uncomfort. the next he called me and tried to convince me to move forward. The next day another XXXX called and said the loan officer was no longer there and he would take over. I explained I was uneasy and not comfortable. Make sure that anything that they had acquired was deleted or destroyed. The next to days up to Saturday morning early. They contact me. Then I started getting inquiries from XXXX mortgage. Now my credit score has gone from XXXX to XXXX. I need the inquiries to stop. If I am not seeking a loan how can them or others they are doing business pull my credit at will.
Product: Bank account or service

I have a Wells Fargo Financial National Bank credit card/XXXX XXXX XXXX XXXX that advertises a " no interest '' promotional period. First, it was not at all made clear to me that the interest still accumulates unless you pay the balance in full. Secondly, Wells Fargo never sent any alerts regarding promo-balances coming to the end of their designated time periods. Therefore, the balance came up without notice and my balance more than doubled ( over { {$1000.00} } in interest charges ). I ca n't imagine that they would have no obligation to actively notify me that the promotion is coming to an end.
Product: Student loan

I pay more then the current payment Due on my Private Student Loan every month. However, the amount of interest satisfied each month gets higher and at the same time the principal satisfied lower. So, even if I pay more on my loan than is due or more then my normal payment amount, my principle balance does not decrease for that amount. <P/>I have tracked this activity for several years and I am very concerned that my payment is not accurately being applied to principal each month. <P/>I have called the company and they have not been able to answer my questions. I have even been told by a representative that it is " not worth paying extra on your loan '' and that it will not help you pay the loan off earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX Date Opened XX/XX/2015 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen XX/XX/XXXX I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft in the past. I recently noticed some unauthorized inquiries on my report that are NOT mine on my XXXX and Equifax credit report. Incorrect inquiries on my XXXX is XXXX  XX/XX/XXXX. 
Incorrect Equifax inquiries are XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX Also XXXX XXXXXXXX XXXX XXXX is NOT my account. Please remove. XXXX XXXX XXXX a collection account is reporting Inaccurate comments. This account was paid in full. Please remove all these inaccuracies on my credit profile. Thank You
Product: Mortgage

Please note : I tried contacting Selene Finance regarding my loan, in XX/XX/XXXX, and they refused to give me any information regarding my loan. The only information they gave me, was to contact the attorney that was representing me. I DO NOT have an attorney that is handling my mortgage. The only time a lawyer was handling my mortgage, was in XX/XX/XXXX when I filed for bankruptcy. The lawyer that handled my bankruptcy has disbarded himself recently in XX/XX/XXXX. I have not received any statements from Selene financing, only what I enclosed. I sent them 2 payments, in XX/XX/XXXX and XX/XX/XXXX, both payments were returned to me.