23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I got a loan for a vehicle with my son as a co-signer. He moved out shortly afterwards so I had no other income other than the petty cash salary I was making. I notified the loan company via letter that I could not make the one lump sum monthly payment and will need to make two payments per month. They have been calling me, family, and friends ( references ), ( 6 ) six times a day, ( 6 ) six days a week since XXXX 2015. I spoke to them and asked them not to use my references to contact me ( some of which is in other states ). They have ignored my request. I told them if they are not satisfied with how they are receiving the payments come get the vehicle otherwise top calling me about late payments every single day, all day when I work overnight shifts. Now I have to turnmy phone completely off to get sleep..
Product: Credit reporting or other personal consumer reports

This company have cause me problems getting a loan and car insurance because of incorrect information they are giving companies about me. In XX/XX/XXXX XXXX rote them to block giving out any information to anyone and they still doing it. 
XX/XX/XXXX they gave XXXX XXXX  a list of accidents they have on my report and was denied car insurance. I havent have an accident form XXXX, they did the same thing in XX/XX/XXXX with XXXX XXXX and they canceled me. 

On XX/XX/XXXX I filled out a form on the companies website to get a the report they are giving out to these companies and on XX/XX/XXXX they sent me a letter that makes nose sense, I have tried calling and no customer services to help all messages
Product: Debt collection

I recieved a letter from a collection agency regarding a debt from XXXX ; I did not attend to this school or take any classes, I requested information only ; however, they charged like I attended to 2 classes, I live in XXXX  and I am studying now in XXXX XXXX for XXXX  years ; I did call them to resolve the problem to XXXXXXXX XXXX XXXX  times, I left a messages, and nothing, this is affecting my credit, I own nothing because I did not take any class I register, I am very familiar with this because I went to 3 schools already
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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: Checking or savings account

On XX/XX/2019 I received a letter from SunTrust bank stateted that a check of the amount of {$76000.00} was deposited in my bank account. stated the {$5000.00} was available now and $ XXXX would be available within 3/5 days later which it did. However, on XX/XX/2019 a massive overdraft was taking my account without further notification. I received a voicemail from XXXX stated that my account was overdraft to not further use. I contacted the branch manager, XXXX who was trying to help, but had no idea of what was going. He advised that the Chief Officer of SunTrust bank would be in contact with me. Its been a week later and no one really has any solution. Since I had recently filed for worker comps with my employer, I thought it was a check that was deposited in my account. Now my account is {$810.00} overdraft and no Suntrust managers know why the cause as my current employer check is being deposited funds in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : NAVY FCU, INQUIRY DATE XX/XX/2021
Product: Bank account or service

I opened an account with Citibank promising a {$400.00} bonus for depositing {$15000.00} for one month. After {$15000.00} being in my account for three months, not only have I not received the bonus, but I have written five letters to Citibank without receiving the bonus. I also have not received a confirmation that I will receive the bonus. I need to use that {$15000.00} elsewhere. 
At this point, I believe i should receive three {$400.00} payments for the bank holding my {$15000.00} for three months and purposely delaying payment through stalling techniques. Please ask them to pay me now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified mail to Top Flight Assistance Customer Care XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX and I have been unsuccessful, I have called on several occasions, and I am put on hold, and each time the line drop the call. This company is a scam and they took my money and did not provide the service as promised. I am out of {$1500.00}. I am demanding my Money from thos company.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I WAS SHOCKED T0 LEARN I HAVE BEEN A VICTIM OF THE IDENITY THEFT. I FOUND NUMEROUS FRAUDULENT CLOSED ACCOUNTS AND COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPEN BY ME. THIS BEEN HURTING ME SINCE I AM IN THE PROCCESS BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE ALL THIS CLOSED FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS XXXX. XXXX  XXXX XXXX XX/XX/XXXX ACCOUNTS NUMBER XXXX, BALANCE {$890.00}, XXXX  XXXX XXXX XXXX XXXX, XXXX ACCOUNT NUMBER XXXX, BALANCE {$1800.00}. XXXX XXXX LL Original creditor : XXXX XX/XX/XXXX ACCOUNT NUMBER XXXX, BALANCE {$2300.00}. ALSO I AM ATTACHING MY ID, SOCIAL SECURITY, UTILITY BILL AND IDENITY THEFT REPORT. THANK YOU IN ADVANCE.
Product: Credit card or prepaid card

I have a XXXX XXXX Rewards Card and contacted Chase to file a claim due to an illness and our inability to make it to an event we purchased tickets for. I was transferred to XXXX XXXX services and was told that they could not honor this as my card didn't have this benefit associated with it. 

I pointed them to : XXXX XXXX XXXX   where the benefit reads " If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to {$5000.00} per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels. * '' They said this was an error and my card was not eligible. I contacted Chase as they had mentioned that if I was not successful in filing this claim via XXXX XXXX, that they could dispute the charge. I attempted to do this on XX/XX/19 and was told I could not file the claim. 

Both Chase and XXXX XXXX have misrepresented the benefits of this card to their cardholders. I promptly closed my account with them this morning. 

Thanks,
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. 

Charge Off XXXX XXXX  - XXXX - {$1200.00} Inquiry XXXX XXXX  XXXX XX/XX/year> Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I received a Bill From Barclay for My XXXX XXXX XXXX ( ending in XXXX ) for an annual fee. I never use the card so I called to close it on XX/XX/XXXX. I told them that I wanted to close the card and asked to have the annual fee and any late fees removed and my account closed. They indicated that would happen. 

It apparently did not, because I continue to get emails of past due and now my credit has been ruined from NEAR perfect score!!!!!! I am now getting called by companies to help with my debt issues. BUT I HAVE NO ISSUES WITH DEBT. I HAVE AN ISSUE WITH A CREDIT CARD THAT IS HOLDING ME HOSTAGE AND RUINING MY CREDIT RATING. 

I have called them no less than 4 times including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called all these numbers : XXXX, XXXX, XXXX, and contine to have them say they will deal with it but they don't. When I called on XX/XX/XXXX, I held for a Supervisor for 10 min. They came on the line after 10 or more minutes and said there was not a Supervisor available, but they would call me back that day. They did not. 

I called today and they act like they are just now looking into this ( bcz I am calling ) and my call on XX/XX/XXXX asking for the card to be cancelled. " It will be reviewed '' I said " why does it take almost 2 months to cancel my card and in the mean time ruin my Perfect Credt Score?? '' " What do I have to pay you to make this nonsense stop??? '' I told them I was contacting you to report them! 

Again they say a Supervisor will reach out to me. I asked her today what is the RANSOM I need to pay to be let out of this Credit Card????? I WANT THEM OUT OF MY LIFE AND I WANT THEM TO RESTORE MY EXCELLENT CREDIT!!!!!! NOW!!!!!!! 

I have another Barclay XXXX I constantly use AND PAY OFF EVERY MONTH TO THE TUNE OF SEVERAL THOUSAND DOLLARS! You can tell Barclay that I will be cancelling that one as well because of the way I am being treated after being a customer with them FOR DECADES!!!!!
Product: Credit card or prepaid card

I arranged payment in full on my Chase XXXX card for payment on XX/XX/2019. They charged me interest of {$43.00} on XX/XX/2019 and didn't post my payment till XX/XX/2019. I called customer service And the c/s rep refused to remove the interest charge. I sent email messages to Chase three times, and again was told they would mot remove the interest fee. 
They just said this is their policy. I feel this is not Customer Service.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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, credit repair services, or other personal consumer reports

Self is in violation of a billing error 15 usc 1666. In a consumer credit transaction the alleged creditor should not mark the account late without sending the proper notices to the consumer. Self has never done sent the proper notices prior to reporting experiences between the consumer and the person making the report. 

Also, according to 15 USC 1681 s-2 A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

This is violation after violation. This is causing me stress because I have no hope in this credit reporting system. 
Failure to comply will result in me using the proof I have to file a lawsuit for actual damages that your company has caused me by this harmful reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for the last four months to dispute the inaccurate late payment on my credit report. XXXX XXXX  acknowledges to me on the phone that they will remove late payment on account ending in XXXX. 
but when the credit reporting agency calls the say it was late yesterday XX/XX/XXXX I pushed until I received a letter from XXXX XXXXXXXX stating I had a XXXX balance on this above mentioned account when XXXX transition or XXXX call XXXX XXXX holds the assesed missed payment of XXXX annual fee plus interest and late fees is accurate and when I call in the dismiss me and tell me they will handle and call back in 7-10 days I have phone records from XXXX to now showing numerous calls
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  fXXXX 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 XXXXXXXX  has violated my rights, 15 U.S.C 1681 section 602 A. States | 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 he 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 resonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax Reporting systems, are purposely dropping my scores because of the complaints that I have filed against them. Yesterday XX/XX/2022, nothing changed on my report before I filed the complaint, and they dropped my score XXXX points, that took me to a XXXX. I am XXXX years of age never owned a home, was in the process of applying and my score was hit very badly. I am not even in the running to apply now. I was at XXXX  with some XXXX collections and once they were remove over a year ago, my score went down as low as XXXX  and never rose again. The credit reporting agencies are destroying my life, they have me severely stressed and they have all the control and refuses to do the right thing. They started taking my score even lower once I filed the complaint against them. They didn't move old addresses, they didn't move a medical collection that I presented how they violated my HIPPA rights by exposing my medical records without a HIPPA release, but instead of them deleting the company they sought out a credit card that was the same before I filed the complaint, and said that's the reason for the XXXX  point total drop.They never sent me the actual person that they spoke to or communicated with, they just stated verified. How is this even so? I don't know what else to do, but to keep filing a complaint until they correct all the wrongs that they are causing on my reports. I have no been late on any of my accounts. thank you for all and any assistance that you can give me. These companies needs to be reprimanded for all the wrong that they are doing. They are seeking out certain XXXX and taking them down to a level where they can not accomplish anything. I have to say this but its all true. Please investigate them for this, please make them supply my reports. Again, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent them all documentation about those unknown and inaccurate account but no response it was over 30 Days now. I was a victim of Equifax data breach. I want to delete all unknown and inaccurate account or I will file litigation.
Product: Debt collection

i was affected by a natural disaster on XX/XX/2017 my family in XXXX XXXX were hit by a hurricane so to alive and help i pulled all my resources to help them XXXX $
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding their handling of a dispute I filed concerning inaccuracies on my credit report. Despite providing comprehensive evidence to support my claim, XXXX has failed to conduct a proper investigation and rectify the errors in my credit file.I 'm not satisfied with the results of my investigation. I would like to know exactly how you went about investigating the accounts that I questioned. Please furnish the names of the individuals who stated that the information was verified along with any supporting documentation received to justify the accounts still reporting on my credit report. Again here are the accounts in question below. 

XXXX XXXX : Account number : XXXX, I have never had any business relationship with this company. Therefore, it's impossible for this account to belong to me. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, I have no recollection of authorizing this credit pull. I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX XXXX : Account number : XXXX, I have no recollection of authorizing this credit pull. I want it removed from my credit report IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachment On    XXXX   XXXX    XXXX  f raudulent inquiries were removed from my credit report. While utilizing  3rd  party to monitor my credit report on   XXXX   XXXX   XXXX   I found that same inquires were re inserted back on my account with a transunion. This is a FCRA violation no notice was ever mailed to me within this past year telling me that the inquires would be added back to my account and this has made my  credit score drop tremendously. Transunion states that I must contact the creditors to have this removed and that is not fair to me to recontact the creditors that already move d the inquires last year peep my request. Transunion asked me to fax in proof of the removals and I sent in the proof and nothing has been done to date
Product: Debt collection

ONLINE INFORMATION SERVICES : XXXX XXXX XXXX  XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX I was contacted via phone by this company about a debt from XXXX. Over XXXX years old. I called the utility company and the account is closed and I'm in good standing. The debt collector refused to give me any information or bills and wanted to me to do a transfer of money over the phone. This even if true ... .. is over XXXX years old. Then after stating I had no clue who they were. They are now hitting my credit. This is obviously against the law. Company also has no contact information on the reporting and refused to give me statements.
Product: Money transfer, virtual currency, or money service

I've sent a wire transaction of XXXX $ on the XX/XX/2020, to Circle USDC. 

The transaction was rejected by Circle on the XX/XX/2020. 

Until this day I have not got the wire back. My bank account is trying to trace the funds without any success. 

I've opened 3 tickets with Circle requesting for the wire information to track the funds, the company has replied with huge delays and with no real answer other than " We will check it '', they are not providing any updates on what is going on.
Product: Mortgage

This is a complaint regarding wire fraud and mail fraud on the part of the mortgage servicer Amerihome/XXXX. It is a complaint for wrongful foreclosure actions and false and defamatory credit reporting by Amerihome. It is also a complaint for failure to follow HUD guidance and provide the requested 12 months of forebearance that is provided under XX/XX/XXXX HUD Guidance HUD No. 20-048 on the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) which President Trump signed into law on XX/XX/XXXX. 

Amerihome has failed to properly apply electronic payments to my account since XX/XX/XXXX Amerihome has failed to apply mailed payments to my account, including holding and not cashing more than {$5600.00} in payment checks. 

Amerihome has failed to grant me one year of forebearance on principal and interest with the payments being added interest free to the end of the loan.

Amerihome has failed to correct the derogatory information they have reported about me.

Amerihome has failed to make restitution for wrongfully moving to foreclose.

Wire and mail fraud complaints have been filed with the appropriate agencies in addition to this complaint.