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

I have a rental debt on all 3 reports. XXXX recently removed the debt XXXX/2017 because it has been 7 years however TransUnion states the date for their removal is XXXX 2017 and XXXX stated the date for their removal is XXXX 2017. I am very confused if there is only one original delinquency date as reported by the creditor, why does the 3 bureaus report different dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is reporting on my Equifax, XXXX and XXXX reports as a result of identity theft. I have been contacting these agencies since XX/XX/2020 and information is not being removed.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, we need to remove any inaccurate accounts from my credit report. Could you look over the documents? Some of the accounts listed have incorrect reporting, amounts, and dates.
Product: Checking or savings account

This is my second complaint since my first was closed with the companies response having incorrect information. And since, I have also received a copy of the police report that has been confirmed by the XXXXPD. I have tried to speak to the company over and over. I have filed over 6 different disputes for several different reasons, from BofA telling me I didn't have a claim, even though I had filed one a few days prior. To them telling me that I should file a police report in the very beginning of this ordeal, and since I followed their instructions not one claims specialist has asked me for my police report number, or a copy or anything. This report is affecting me opening any bank account. I thin BofA is completely useless and doesn't help their customers in anyway, even when I did have my account it was always a struggle to do anything. I didn't have the account for very long either and will never join or even recommend Bank of America to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never done business with XXXX XXXX # XXXX {$1600.00} I have already disputed this account with another company XXXX XXXX   that I guess sold this Unverified account to XXXX XXXX # XXXX. I will sued them if they do no remove this Fraudulent account and stop selling it to other collection agencies.I request that formally XXXX XXXX substantiate account data XXXX XXXX conferred to the major credit bureaus for me, XXXX XXXX XXXX, with respect to the unverified account # XXXX. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction.
Product: Credit card

On XX/XX/XXXX I purchased a new cord for my soldering station on XXXX. The item was paid for using paypal credit. There was a mixup in the shipping address so the item was sent to the wrong address. Since I had sent money via paypal to someone in the town it was shipped to via paypal I thought paypal updated my shipping asddress with the wrong innformation. It turns out this was not the case I was mistaken. I contacted the seller and asked if he sent to the wrong address not knowing what happen. He just complained he had not been paid so he could not do anything. 

Subsequently I filed a dispute with paypal since I was charged and the item never arrived because I thought since I did not receive it I would get my money back. 

Paypal said the item was shipped to the address provided and delivered so the seller gets paid. The item was delivered to the original seller not to me. I was never contacted that the seller was paid. I now see the exact Item I paid for for sale again. 

I am now out all of money. It seems that the shipping costs should be paid by me since it was my mistake. I lost all of my money. The guarentees provided by XXXX do not apply when a dispute is filed with the payment institution. They claim there is nothing they can do, but when I disputed the charge XXXX was notified immediately and then claimed their rules say to bad if you lost your money.
Product: Payday loan, title loan, or personal loan

I have a loan amount for XXXX with a CSO fee of XXXX. I have contacted them numerous times to remove the ACH authorization and they are refusing to do so. I am aware that this can go on my credit report and they can pursue collection actions, but I want my ACH authorization removed immediately!
Product: Credit reporting or other personal consumer reports

This item is identified as bankruptcy. The bankruptcy was dismissed. You need to remove this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights, which needs your conformity utilizing the law. Please delete this from my file. 
Bankruptcy XXXX XXXX-dismissed Filed on XX/XX/2017 Reference number : XXXX US BKPT CT CA XXXX XXXX
Product: Mortgage

Once again SPS thinks they do not have to follow the rules. I was sent a foreclosure notice on XX/XX/XXXX, with a trustee scheduled sale date of XXXX ( see attached ). SPS failed to provide proper notice according o VA XXXX XXXX. This gives specific language that must be provided in a foreclosure notice : For owner-occupied residential real property, the foreclosure notice will need to include the following additional information : 1. The date the last payment was received and the amount of the last payment 2. The total amount of the principal, interest, costs, and fees in arrears 3. The remaining principal balance due Effective XX/XX/XXXX, the foreclosure notice will also need to include : XXXX. The website address of the U.S. Housing and Urban Developments office of Housing Counseling with a listing of HUD-certified housing counseling agencies 2. The website address and telephone number of the statewide legal aid center 3. The following statement in at least 12 point type : This is NOT a notice to vacate the premises. You should consider contacting an attorney or your local legal aid or housing counseling agency.
Product: Student loan

I was provided incorrect information by Nelnet regarding what benefits my student loans, that are in my father 's name, are eligible for. At the time of consolidation, we were told that the newly consolidated loan could be deferred if I were to pursue further education. This was very important in our decision to consolidate the loans as we had always planned to pursue further education ( Both my sister and myself are impacted by this. She also consolidated her loans post her graduation as well ). A couple months ago I had contacted Nelnet to discuss this topic along with switching the loans to income contingent repayment. During the multiple phone calls that took place during this day, I was told numerous things about my benefits from multiple people that contradicted each other. The end result was that I was told that I could not defer my student loans while being enrolled in school. This is a clear and blatant violation of the Dodd-Frank act. I was provided incorrect information that altered my decision making and in return has resulted in financial harm. To make matters worse, I was again told I could defer my student loans when I first complained about this violation to Nelnet. Then again, they told me this information was incorrect when I contacted them via phone. I have email evidence of this violation of the Dodd-Frank act that they committed. I have contacted Nelnet again about compensating me for this financial harm they have caused and they say they can not do anything and will not admit to wrong doing. Being that this is a violation of the Dodd-Frank act I believe I am not only correct about the issue but also entitled to compensation for the financial harm they have caused.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Remove the following account for improper use of my credit report.The collection account are showing a past due ammount and a complete payment historia. 

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

Multiple accounts that are incorrect are reporting on my credit reports 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 card or prepaid card

I just paid OFF my XXXX XXXX XXXX Credit card on XX/XX/2018 ( with XXXX XXXX ), the account is now CLOSED. 

I'm making a request that XXXX XXXX should be notified to report my PAID OFF account status to all 3 Credit card bureaus to help improve my credit report, thanks.
Product: Credit reporting or other personal consumer reports

I'm submitting a CFPB complaint and demanding that the Credit Reporting Agencies delete the fraudulent accounts and information from my Credit File. How many times do I have to tell the Credit Bureaus that I was a victim of identity theft and that the accounts I'm disputing were the result of this crime? I've repeatedly asked the Credit Bureaus to remove the disputed items, correct my Credit File, and provide me with copies of proof of verification. However, the Credit Bureaus have repeatedly disappointed me and failed to provide the requested documents. Despite sending dispute letters with complete proof of identity and the Identity Theft Report I received from the FTC, the Credit Bureaus have done nothing. I'm submitting this CFPB Complaint to follow up on my previous complaint and demanding that the Credit Reporting Agencies remove the disputed items immediately before I'm forced to take legal action. Remove the following items completely from my Credit File. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Please assist me remove the items which are fraud : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had XXXX vehicles financed through SunTrust Bank. A XXXX XXXX and XXXX XXXX XXXX. From day XXXX to date, I never missed a payment nor have I been late. XX/XX/2022 I made my XXXX Payments with XXXX separate payment coupons XXXX for the XXXX and XXXX for the XXXX XXXX. The cashier posted both payments on the XXXX truck and nothing on the XXXX XXXX but gave me receipts for both separate vehicles ( I do have ever receipt for every payment made on both vehicles ). SunTrust since sold their bank to Truist bank and I have since traded the XXXX XXXX. I have went back and forth with Truist Bank and the last offer they gave me was they could refund me the late fees and fix my credit but not my payment. In order for them to refund my payment I need to bring the title of the XXXX XXXX to them then at that time they would reverse an credit the payment back to the XXXX XXXX. I do not have that truck because I traded it for another truck in XX/XX/2022. I have always made my payments early and when I made my XX/XX/2022 payment on the XXXX of XXXX around dinner time I got an harassing phone call from Truist about a payment. I was so upset I said some harsh words and the next day I paid the loan off in full including their error payment and late fees. I need to recover my loss of money which is {$530.00} plus XXXX months of {$26.00} late fees and restore back my credit. 
Again I have all of my receipts that I can scan to upload as attachment.
Product: Credit card or prepaid card

I received an email alert from Chase Bank on XX/XX/23 that my credit line was decreased, significantly impacting my credit score. I was not given any information other than a phone number to call to discuss the change. On XX/XX/23, I called their customer service line for my credit card and was informed that the change was made on XX/XX/23 and I was outside of my XXXX window to request reconsideration. No physical letter was sent, as was verified by account representative, to my address indicating the XXXX time frame of my rights as a consumer to request reconsideration. The only notification I received was an email and alert in my Chase account app on XX/XX/23. Despite only being notified a little over a month ago, I was told multiple times that I was outside of my XXXX window for reconsideration and I could only request a credit increase. When I requested the credit increase, I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed inquiries were not authorized by me. It is imperative that these fraudulent inquiries are promptly eliminated. Given that my social security information was compromised in the Equifax breach, XXXX breach, and the black market, it is crucial that these inquiries are removed. The presence of these fraudulent inquiries has caused significant distress for both my family and me, as it has resulted in being denied the essential transportation required for commuting to work and my child care provider. 

Fraudulent Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got lied to about how this all works
Product: Credit card or prepaid card

On XX/XX/2020 criminals XXXX and XXXX XXXXXX/XX/XXXXme andXX/XX/XXXX me and stole my car, computer, phone, wallet and etc. etc. The following day the two criminals went to a XXXX store with my wallet and used my us direct express card and withdrew the last {$240.00} out of my account. Police don't care to go arrest the criminals. I wrote a dispute to us direct express card services and they refuse to give me back my money. I want my {$240.00} plus {$.00} atm fees credit back to my account ending in XXXX.
Product: Mortgage

I have been working with clients for 8 months, trying to obtain a discharge of mortgage for a loan that was paid off in XXXX. The home equity loan was originally obtained in XXXX. We have followed HSBC 's procedure which requires we submit all information via email to the lien release department. This information has been submitted no less than 20 times. We are not able to get any response, we can not get a phone number to speak to someone directly in this lien release department. We have {$40000.00} being held in a title company 's escrow account awaiting the discharge. Without the discharge of mortgage, we are unable to obtain release of the {$40000.00} being held from the sale of this property. 
It is ridiculous and highly unprofessional of HSBC to blatantly ignore our requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - XXXXXXXX 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
Product: Checking or savings account

I never imagined that a simple {$60.00} transaction could unravel my financial life and plunge me into a bureaucratic nightmare. My story is one of frustration, helplessness, and an unwavering determination to fight for justice. I share this with you in the hope that no one else has to endure the same ordeal. 
It all started innocuously enough. A friend of a friend sent me {$60.00} via XXXX. through two transactions, I never questioned the transaction, believing it to be just another casual exchange. Little did I know that this would trigger a chain reaction that would upend my financial stability. One day, I logged into my
Navy Federal account, only to be greeted with a chilling message : " Your account has been closed. '' Panic set in as I scrambled to understand why. Navy Federal provided no clear explanation, leaving me in the dark. Desperate for answers, I contacted their customer service several times from XX/XX/XXXX through XX/XX/XXXX speaking with agents who only gave me a first name and the department they were in, they informed me that the {$60.00} payment was flagged as fraudulent, resulting in the closure of my account. Being met with vague responses and outright denial of any previous correspondence regarding the closure of my account felt like a punch to the gut. How could a small amount of money lead to such drastic consequences? Moreover, why was I being punished for something beyond my control? 
The problems that arose from this situation were numerous and far-reaching : 1. Financial Instability : With my Navy Federal accounts closed, I lost access to my funds, direct deposits, and bill payments. It was as if my financial world had come to a standstill, leaving me scrambling to make ends meet. 
2. Credit Score Impact : The sudden account closure raised concerns about my credit score. What if this incident negatively impacted my creditworthiness, affecting my ability to secure loans or credit in the future?

3. Loss of Trust : My faith in the banking system was shattered. How could a trusted institution like Navy Federal close my account without warning or explanation? The lack of transparency eroded my confidence in the very institutions meant to safeguard my financial well-being.

4. Emotional Toll : The stress and XXXX  caused by this ordeal were immense. Sleepless nights, endless phone calls, and the feeling of being caught in a bureaucratic maze took a severe toll on my mental health. 
Despite these challenges, I refused to give up.
Product: Debt collection

On XX/XX/XXXX Santander Consumer USA sent me a response letter through the CFPB stating my account was under a cease and desist. 

On XX/XX/XXXX I received two letters in the mail, one dated XX/XX/XXXX threatening repossession. 

Regardless of payments received monthly and never 30 days past due. 

The second letter dated XX/XX/XXXX stating they will not respond to my concerns moving forward. 

Both of these letters received on XX/XX/XXXX are in Violating of a cease and desist order officially placed XX/XX/XXXX. 

15 USC 1692 ( a ) ( e ) CONGRESSIONAL FINDINGS ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 

A cease and desist order communicates to a person or company to stop engaging in illegal activities and if they do not comply by the order they will face penalties such as fines or jail time. 
Santander is in violation of a cease and desist order.
Product: Bank account or service

Dear XXXX, I am XXXX XXXX. I opened a Citigold checking account ( XXXX ) with an offer stating I would receive XXXX XXXX XXXX XXXX ( worth approx. {$500.00} ) after meeting certain criteria ( PROMOTION CODE : XXXX ). I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX miles to be deposited into my account by the end of XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the miles would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 6 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 6 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. XXXX of people are in the same situation as me. I 've done XXXX searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for. 

Thanks XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, someone hacked my online banking account of bank of america by first hacking my XXXX  account. Then the hacker changed the email address of one of my recipients to his own email address in XXXX transfer 's address book. The hacker used XXXX transfer to stole {$2800.00} out of my checking account. On XX/XX/2019, I found the issue and filed a fraud claim with bank of america. But after 10 days investigation, bank of america refused to honor the claim just because they think my account was accessed by consistent same device. After search my gmail activity, I found the hacker may even hack my computer and logged onto my boa 's account by using three different IPs. 
I tried to dispute with boa but boa claimed it may need another 45 days to do investigation again. As a customer, I feel very unsafe about my money in bank of america. And I am very disappointed with boa 's customer service. Many times, I was redirected between different boa 's departments without knowing the right person I can talk to. I feel boa does not care customer 's security and offer XXXX to customer without much care. 
When I search help online, I find I am not the only person suffering boa 's security service. XXXX XXXX   XXXX Many other persons are victims of unsafe XXXX  transfer service provided by bank of america .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX are reporting I was on LATE XXXX of 2020. I request METHOD OF VERIFICATION of this late payment. Please provide the names, phones, addresses and process used to determine the Late Payment or correct the history.