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

I am writing to complaint to LVNV FUNDING LLC about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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: Student loan

Hello, My name is XXXX, and I am currently trying to get a refund for my student loans that were paid off during the pandemic. 

My loan service provider is Aidvantage, and I had requested a refund with them to bring my balance up to {$20000.00} initially on XX/XX/2021. The customer service was excellent and they had no issue doing so, and had told me that it would take 4-6 weeks for my refund to process. 

I had called back the next week, and was told that my refund was then approved on XX/XX/2021 and the 4-6 weeks would start from there. It is now approaching the 6 week mark, and I have not seen my balance updated on aidvantage 's website or been contacted at all about the status of the refund.

I understand that the company is probably under a lot of XXXX at the moment, but it would be great to have some sort of action take place since I was told that I would definitely receive the refund in the 4-6 week period.

Thank you!

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my credit report on XX/XX/2020 there are 2 items I never authorized anyone to pull a hard inquiry and is inaccurate. Possibly fraud. I got a hard inquiry XX/XX/2020 from XXXX and XXXX XXXX on XX/XX/2020. Both I never authorized and believe to be fraud it is currently reporting inaccurately on my transunion. I would just like them to know I do not have any recolonization of this and ask that this be removed from all credit reporting agencies as I did not give anyone the right to run my credit without my knowledge.
Product: Credit reporting or other personal consumer reports

Report Number XXXX I am writing to formally dispute inaccurate information on my credit report and request its deletion in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws. This letter pertains to my rights under the following statutes : This inaccurate information has never been updated nor corrected. Experian updated inaccurate information on my credit report without notification by mail. I submitted proof of documentation of the following account XXXX is inaccurate and I've submitted proof of the contract with original creditor. 
Legislation : 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681e ( b ) : Compliance procedures 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information 15 U.S.C. 1681i ( a ) ( 5 ) : Reinvestigations of disputed information Disputed Information : Upon reviewing my credit report, I found the following inaccurate and potentially fraudulent information : Credit Reporting agency : Experian Reasons for Dispute : Inaccurate Reporting Inaccurate Reporting : Under 15 U.S.C. 1681e ( b ), it is required that credit reporting agencies maintain maximum possible accuracy. The listed items do not meet this criterion. 
Obligations of Furnishers : As per 15 U.S.C. 1681s-2, the furnishers of this information are required to report accurate data. Their failure to do so necessitates the deletion of these entries. 
Reinvestigation Requirement : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting a reinvestigation of these entries and their subsequent deletion. 
Supporting Documentation : I have enclosed copies of the following documents to support my dispute Action Requested : I formally request that you : Ensure that all inaccurate information is permanently corrected and removed. 
Provide me with a corrected copy of my credit report reflecting these changes. 
Refrain from re-inserting any incorrect information unless it is verified as accurate. 
Legal Rights : Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to investigate my dispute and correct any inaccuracies within 30 days. Additionally, under 15 U.S.C. 1681e ( b ), you must ensure the maximum possible accuracy of the information reported.
Product: Mortgage

Its been 4 months and still nothing from Box Loans. Enter at your own risk, Beware of these guys. You're better off keeping your current mortgage vs. attempting to complete a refinance with these guys. Not consist and always have an excuse for their mess ups. Management needs to realize that the people representing this company is a reflection of them. But again, when you're making money, giving people the run around, and lying to cover your tracks, I don't think one customer would make a difference to them. Four months to complete a simple refinance is unacceptable, but again its due to COVID-19. These guys have yet to say, we are weak, don't have the man power to make thing happen in a timely manner. Just man up and say we XXXX  up, and we are very sorry for the XXXX  we are giving you. As of today, I am still waiting on a REAL manager or the President/CEO of the company to contact me regarding the several issues I am experiencing. This has cost me time and money, not to mention I was going to give them two more properties to complete on my behalf. I have gone through 3 seasons and still don't have this loan completed. It doesn't make sense for my clients or friends to start a refinance 2 months after me and complete it a month ago, and got better over customer experience/customer service. I will have my attorney file a formal complaint within the federal and state level regarding this matter. Your action throughout the entire process has lead to conclude I am a victim of discrimination.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX PRESUMED THAT NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT IN FACT THEREFORE EXISTS. ( PLEASE REMOVE THESE ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Enhanced recovery reported a collection account to the credit bureaus on behalf of XXXX XXXX. Enhanced Recovery did not have my current address. They sent collection letters tour old address. I called them today and asked them to remove the debt from my credit report because it was not fair they reported me without PROPER notification. They declined. I am willing to pay the account in full. It 's not justifiable I am being punished for their lack of proper notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. Please take a look at the following accounts and have them removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}. I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts on my credit report. I am including a copy of my credit report with this complaint for your reference.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  a victim of XXXX XXXX  and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know XXXX XXXX  a victim of XXXX XXXX and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an XXXX XXXX XXXX with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Product: Credit card

Macy 's credit collection keeps calling claiming that i am late on my credit card payment, even though both myself and the customer service department clearly see the marked the payment. I keep asking for a supervisor and get a real XXXX attitude form the people helping me to the point where i hang up in frustration. 

Further more they keep sending my credit card to a bad address locking me out from making online payments and forcing me to go to the store to do so. which is a huge inconvience for me since I live far from a story. 

This is the worst experience i 've had with a credit card and refuse to deal with this unless there is interjection from you or the corporate office or a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis and XXXX XXXX is violating my federally protected rights and reporting misleading information I have not given them permissible purpose to use my furnish my private personal information also The CIVIL COURT OF THE CITY OF NEW YORK - XXXX XXXX Did not furnish the information therefore it can not be verified as accurate stating that the information is verified is fraud and misleading and is a violation of federal Law. instead you infringe upon my privacy.
Product: Checking or savings account

I have direct deposit with Capital One and its been XXXX days and my money is not there. They said they have a problem with a vendor and it was supposed to have been solved Thursday, XX/XX/XXXX now its XXXX XXXXXX/XX/XXXX and the money is still not there. Every time I call it would ring and then hang up. I have bills that are being returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to CFPB complaint XXXX with Transunion. I asked for you to remove an account from my credit report and you instead updated it. I'm at a loss right now because I provided facts directly from my credit report that detail why they do not belong on there. Although I may not be a lawyer, I do know that an account in violation must be removed and that I can actually go after you for these violations. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove them because of the dispute reasons that I have listed in the complaint referenced. In addition, I need to see where you're getting this information from because I don't believe that you ever reached out to these creditors! Remove these accounts immediately : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX
Product: Debt collection

National Credit Systems, amount of {$7100.00}. 

I have sent National Credit Systems several debt validation letter requesting that they answer my validation letter as the collection is not mine and a fraud. And National Credit Systems has not responded. 

National Credit Systems then reported this collection to my XXXX credit reporting agency, I have provided National Credit Systems and XXXX  copy of my Police Report.
Product: Credit card

Hello, I have a complaint about XXXX XXXX. 
The story : I was approved for XXXX XXXX XXXX credit card on XXXX/XXXX/2016. There was a sign up bonus offer for this card. I should spend {$3000.00} in 3 month in order to receive XXXX MR bonus. 
The requirements were fulfilled and the bonus was received on XXXX/XXXX/2016. 
The card does not suite my expectations and I closed it on XXXX/XXXX/2016. I have XXXX XXXX XXXX card and it is connected to the same Membership Reward program number. 
On XXXX/XXXX/2016 without any prior notice XXXX MR points were removed from my account. 
On XXXX/XXXX/2016 Online chat XXXX XXXX representative indicated that my Membership Rewards account is currently being reviewed to make sure the total of all eligible purchases meets the spend requirement during the promotional period. 
Later I called Customer support and two XXXX XXXX representatives and one XXXX XXXX supervisor insisted the Terms and Conditions were violated. They said that I should keep the card for at least a year in order to keep the points. I asked to show me this term in XXXX XXXX Terms and Conditions. Every Representative spent from 20 minutes to hour in order to find the term and failed. Next XXXX XXXX supervisor said that the spend requirement was not fulfilled which was incorrect. 
Another XXXX XXXX supervisor said that there was an ongoing review process. I was not informed about it. Supervisor indicated that, due to the review process was finished after the XXXX XXXX XXXX credit card was closed ; they were not able to put the points back. That does not have sense. I fulfilled all the requirements, received the points, was not notified about review process, and did not abuse any part of Terms and Conditions.
Product: Mortgage

The complaint is with the company that built our house and sold it to us, this company ( XXXX ) took advantage of our ignorance and availability of not understanding some terms to sell us the worst land that they have, the lady point us that this land was the best when they had many other lands to sell, she sold us the one that most difficult to sell when she learn that we did not know a very good English, our house has a huge hole in the back where all the rain water and trash from all other houses ends up here in the back, we got like 6Ft only of land, we can not even build a fence, I have an XXXX XXXX year old that cant play outside because Im afraid she can fall in that hole and worst with water, the worst part is that they sold the property with a regular price, they didnt even made a reduction of price so other people can buy it from us, I feel this company had violated many of our consumer rights, please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S Code 1681c-2/ and section 605b of the fair credit reporting act a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these ITEMS IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in violation! Under 15 U.S code 1681b-permissible purposes of consumer reports ( a ) in GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.as a consumer I am demanding the deletion of the accounts listed immediately
Product: Mortgage

On XX/XX/XXXX I submitted a request for Late fee removal. I received Shellpoint Inquiry response On XX/XX/XXXX. I responded to the Shellpoint that I wanted data entries checked for XX/XX/XXXX and XX/XX/XXXX I assume the data entry dates were incorrectly input. I believe thats were the error occurred. There are no data inputs for XX/XX/XXXX or XX/XX/XXXX. 

In mid XXXX we received another letter stating her loan was delinquent. I called the XXXX number on the letter. I spoke to XXXX. I did not get his last name. But at the end of our 1 hour + call I asked him his name because of how awesome he was to take the time and really look at the data entries from years in the past. Again XXXX was his name.He told me he could see a request in the system to review the data entries. So my above request to have data checked in XXXX and XXXX that is where XXXX started to see huge errors on the loanhist.rpt. XXXX told me he could see where someone it appeared to try to correct the errors. He could see farther back on the account than the report I had. XXXX said the loan amount changed by XXXX $ in 1 day. he went back as far as XXXX. He said there were more errors but that I needed to wait to get the results of the open request he saw. I never got results from that request. We received another packet warning of foreclosure. 

I think at a minimum the late fees should be removed. I cant see the data all the way back but maybe she is owed money that was lost in the huge data mistakes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 an 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: Checking or savings account

On XX/XX/XXXX, I submitted the docs requested by Axos Bank for closure and disbursement of the funds for my mother 's account to the estate of XXXX XXXX. I am the executor of my mother 's estate. 
On XX/XX/XXXX, I received an email from Axos Bank stating that because of alterations to the letter of testamentary, it's legal department would need to review the docs and that it could take as long as 30 days. The only alterations to the letter of instruction was to change " and '' to " or '' in the document regarding the executors of the estate. 
On XX/XX/XXXX, I forwarded an email from the probate judge explaining the alterations on the letter of testamentary and also included the probate judge 's Certificate of Service with the contact info for the court and her contact info. 
I have called numerous times during this entire process, being told each time that they do not have an update from the legal department.
Product: Checking or savings account

Im very upset with my bank customer Service treated me Awful I just want to Order a special Order of checks but they dont understand me or what I want I wish they would care to show me that I called their check vendor to place an order XXXX XXXX they told me the check Order I want is Im a catalog they refused to Take my order even though they allow me to order directly with other banks they tell me with Bank of America you need to Order directly from Them they use our service and told me to Give them the number from their catalog I was given a number to Call it was an automated system horrible experience I then was transferred to customer service and then transferred to The check department they refused to Hear my concerns claimed Im lying and that they dont offer this product this is ridiculous when XXXX XXXX told me they do Offer the checks I want is called deskset checks their not standard like the bank sends to me it comes with a binder I like it because it keeps me financially organized it comes 3 checks on a page with a side stubs its called deskset checks they are normally for business use but can Also be offered ordered for Personal use but the bank doesnt Understand this and what I want I deserve to be compensated for the inconvenience this bank has caused me to be aggravated and refused to transfer me to XXXX XXXX To have the order placed by them its so easy if they couldnt help Me Why didnt they transfer me to their check vendor to have the order placed by them instead of Treating me so Poorly every bank allows the customer to order for special Orders directly to the vendor but they didnt do that for me they gave me a hard time
Product: Credit reporting or other personal consumer reports

Could you please remove these inquiries? I have no knowledge about them, and the company acted without my consent.
Product: Money transfer, virtual currency, or money service

At times I would get random charges from cashapp and I would spend hours talking to representatives and service members of cashapp just to not get any information I also have issues transferring money with cashapp because the money sometimes wont load and when it supposedly does load into my bank account its not there so am I supposed to believe that my money just vanished into thin air