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

Note : This is the third complaint I have submitted for the same issue. I believe that I have been very clear as to the nature of my request and they still refuse to honor it according to California law ( CPC 530.8 ) even though they have given me multiple verbal assurances that they would and I have been diligent about complying with their instructions. In the event they still refuse to comply with this request, I will continue to file these complaints until they do, or I decide that legal action is the only remedy. They need to take this matter seriously. <P/>A Target store card account was fraudulently opened in my name by person ( s ) unknown on XX/XX/XXXX. This person subsequently purchased over {$6000.00} worth of merchandise using this fraudulently obtained line of credit. <P/>The identity thief was careful to cover their tracks and I did not discover that this had occurred until sometime in XX/XX/XXXX. At this time I contacted Target Card Services ( TCS ) and made a request for identity theft information that I am entitled to under California law ( CPC 530.8 ). <P/>The first response I got from a TCS representative was that they " did not have to comply with California law because they are based in Minnesota ''. Through persistence, I eventually persuaded them that they do indeed have to comply with California law because they do business in California. <P/>They then told me to submit a notarized written request for this information ( at my own expense ), which they received on XX/XX/XXXX at XXXX. <P/>The California statute says that they have 10 days after the receipt of this request to comply with the information request, which they in practice completely ignored. <P/>The main document I am interested in is the actual personal information that the identity thief used to fraudulently open the account. This would allow me to know exactly which of my personal data were compromised as well as helping law enforcement to help identify a suspect. <P/>The first attempt to comply with this request resulted in them sending me the personal and confidential information of an entirely unrelated person in XXXX who just happened to open an account on the same day as the identity thief. I was frankly shocked at this reckless disclosure of some innocent third party 's confidential information, but I am not surprised given my experience with this organization. <P/>I informed them of their inappropriate data breach and they responded by making another attempt to comply. They sent me a copy of MY OWN personal information and NOT the application data provided by the data thief as I had requested. On a subsequent phone call they stated that they consider this to be acceptable ( I disagree ) and would not comply further with my information request. <P/>This is what prompted my third complaint to CFPB.
Product: Debt collection

XXXX XXXX XXXX, has placed a lien on my home through their attorney in California Rory W. Clark, I never received a notice informing of a court appearance or lawsuit. My original debt amount is for {$3000.00} they are asking for {$10000.00}. I have called them to XXXX XXXX XXXX and the Law Offices of Rory W. Clark to negotiate to resolve this debt they refuse. XXXX will only deal with me through their attorney. The representative I spoke with at the law office of Rory W. Clark is XXXX XXXX. I am a XXXX XXXX year old woman living on a fixed income. I feel that XXXX XXXX is using the law to intimidate to pay a debt, that is well above the amount of money I actually owe. How is this legal there should be a law against this.
Product: Debt collection

I do not recognize what CCI contract callers Inc. Is saying I owe. 
I contacted the company that they supposedly are collecting for and they had no record of it either
Product: Credit reporting or other personal consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The companys listed above I noticed unauthorized inquiries on my credit report .
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I opened an account with XXXX  XXXX, but account and routing number belongs to XXXX XXXX, Using the Citibank online, I made two transfers to XXXX / XXXX. I changed my mind and decided not to continue with XXXX  XXXX, and so I initiated a transfer from XXXX XXXX  to Citibank on XX/XX/2020. The money, consisting of two transfers, the first for {$10000.00} and the second for {$1000.00}, was apparently " flagged '' by an entity called XXXX ( I was told by XXXX XXXX from XXXX XXXX  ) Money has gone from XXXX  XXXX on XX/XX/XXXX and XX/XX/XXXX, but never arrived to Citibank. No one contacted me to tell me, I only found out when I called Citi to inquire where my money was. Citi told me to tell XXXX to perform a transfer recall, which I did. But ultimately, XXXX told me to call Citi, and Citi told me to call XXXX. I tried to start investigations, and neither bank is was willing to do so. I even drove to XXXX, DC ( I live in XXXX, Ga ) to closest Citi bank branch to speak to branch manager. She started investigation. XX/XX/XXXX. I have got an answer from Citibank. Here is the answer : " After careful review of the account records, on XX/XX/2020 at XXXX XXXX EST, a XXXX funds transfer for {$10000.00} was attempted from an account at XXXX XXXX to Citibank Checking account number XXXXXX. This electronic transfer failed to process to your Citibank account and was returned to XXXX XXXX  on XX/XX/2020. The trace number for this transaction is XXXX. In addition, on XX/XX/2020 at XXXX XXXX EST, we show a XXXX funds transfer for {$1000.00} was attempted from an account at XXXX XXXX  to Citibank Checking account number XXXXXXXX. This electronic transfer failed to process to your Citibank account and returned to XXXX XXXX  on XX/XX/2020. The trace number for this transaction is XXXX. '' I file a complain with FDIC concerning XXXX XXXX. This is their response : " The Bank explained in its response that the account was opened XX/XX/XXXX and was funded by a {$1000.00} transfer on XX/XX/XXXX. A second transfer of {$10000.00} was made on XX/XX/XXXX. On the same day, the Bank received transfer instructions from Citibank for {$1000.00} and {$10000.00}. The Bank honored the {$10000.00} " Paid-Rejected ACH '' and returned the {$10000.00} to Citibank. All of the transactions were originated by Citibank ; therefore, the Bank advised that all matters regarding the location of the funds need to be addressed by Citibank. '' Meanwhile, my money is gone. 
Today I was advice by Citi bank branch manager to file police report. 

Please can you look into this I want my money back in my Citibank account. This has ben a nightmare, forcing me to call each day for 3-4 hours. I want sanctions brought against XXXX, Citi and XXXX  XXXX. I feel helpless being tossed from one to the other and back again. No one will help me! Maybe if you contacted them, they would take it more seriously and return me money to me.
Product: Credit reporting or other personal consumer reports

My husband and I bought a couch set from XXXX XXXX XXXX in XXXX of XXXX. We split the purchase since XXXX XXXX XXXX provided us with a refund through our warranty but that was credited to his account since the sale generating the refund was done by him-my husband XXXX XXXX XXXX 
In XX/XX/XXXX I got a notification that my own XXXX XXXX XXXX store credit card was over the limit which is literally not possible since at the time of purchase only available funds on the account could go towards the purchase. 
This caused my credit score to drop immediately I called XXXX XXXX XXXX  explaining the situation that they overcharged my account but only got sent around and round in circles from one manager to the next. 
I took it a step further and contacted XXXX  who informed me that they see the mistake but would need rooms to go to validate and update on their end so it can be reflected in their systems. 
I waited 6 weeks and nothing happened. Just promises to follow up with me. 
I went in the stores XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
I spoke with the managers there as well as had a conversation with a XXXX XXXX XXXX XXXX representative while in the store and explained everything again. 
The representative Stated he was not able to provide me with a transcript of the call but they have logged the case and will begin investigating. 
Because of the overcharge I could no longer afford the monthly minimum although I continued to make payments at the time. 
More time went by and no one followed up I have written proof from a manager at the store admitting that they did overcharge me and was instructed to follow up with a XXXX  manager who never got back to me. 
Efforts with XXXX XXXX were wasted as they refused to provide me with detailed accounts of each transaction and pay, eng to the account to help establish the errors. They also did not do their due deligence in validating the errors on my credit reports and fixing my account. 
They have closed the account and I am still, a year later dealing with this mess and no I do not qualify for anything. 
I have retained a consumer lawyer- XXXX XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX 
Phone number XXXX since XX/XX/XXXX but they are still getting push backs and nothing has been done yet. This is significantly derailing my mental health and my familys well being and I am asking that this debt be correctly validated with proof-my signatures next to each purchase everything, how they came up with all their values and fees and if not all my credit reports need to be corrected and updated and all derogatory remarks removed.
Product: Credit reporting or other personal consumer reports

Section 611 ( a ) ( 4 ) Right to Demand Deletion if No Response from Furnisher : - If a data furnisher fails to respond to a dispute within the required 30-day timeframe, the credit bureau must delete the disputed information from the consumer 's credit report. This provision is powerful if data furnishers do not comply with their obligation to verify disputed information promptly. These provisions offer robust protection under the FCRA and can be used to challenge persistent inaccuracies and ensure that both credit bureaus and data furnishers maintain accurate and fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to ensure that all information reported is accurate and verifiable. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requires debt collectors to validate debts upon request. This debt collection account has not been properly verified, which is a clear violation of these federal laws. The recent court case XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reaffirms that credit bureaus must conduct a thorough and reasonable investigation into disputes to ensure that reported information is accurate.
Product: Credit reporting or other personal consumer reports

I spoke with a supervisor XXXX XXXX XXXX at XXXX disputes. He informed me that they ( XXXX ) are just a middleman and that my issue is with the lender whom I am current with and have been for well over a year. Furthermore SPS whom are not reporting to the three major credit bureaus XXXX, XXXX, and XXXX my on time payments made. I recently sent in to XXXX official payment history from SPS Select Portfolio Servicing my payment history. Moreover, I have been current all of 2023 to date by their own ( SPS ) documentation. XXXX makes the claim that SPS verified their current unknown payment status reporting is accurate. After filing this dispute my score was dinged XXXX points with XXXX. XXXX would not tell me why my score was dinged. However, I believe it was the doubling down by SPS which further hurt my credit score. Under the law, the Fair Credit Reporting Act, all lenders reporting information to the credit bureaus, must report accurate information. If they are informed that something is not reporting properly, as XXXX, and XXXX did inform SPS they are required to investigate my dispute and then update the reporting so that its accurate. An XXXX dispute in which SPS is reporting me delinquent in XXXX of 2023 has still not been removed after I submitted proof directly from SPS that it was paid on time. Bankruptcy does not change that requirement at all. Every payment I have made to SPS, either before or after I filed for bankruptcy, must be reported to the XXXX major credit bureaus. By SPS failing to report timely made payments, this lender is reporting that I have a much higher balance ( $ XXXX vs XXXX ) on the mortgage than I currently do, reporting of last payment made is inaccurate, reporting that the account is delinquent is inaccurate. The report already shows the bankruptcy in the public record. Repeat reporting by SPS as delinquent is not the same as a bankruptcy and inaccurate. SPS reports that the loan is closed which is improper if not illegal. Overall, SPS is denying me the benefit of timely made payments to XXXX, the company that creates credit scores. This can only hurt my ability to get jobs, cars, housing and other credit that I may need to live life. This needs mediation immediately. If the CFPB can not help resolve the issue I need to know A/S/A/P so that I may seek legal counsel as my rights have been and are currently being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following loan below were taken over By XXXX yet both XXXX and Fed Loan Servicing are reporting them on my XXXX Credit Report. How is FedLoan Servicing still reporting these loans to XXXX when they are no longer the servicer of the loans? XXXX is currently reporting these loans to XXXX as well therefore I am showing double the obligation on my XXXX Credit Profile. 

FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$900.00} In good standing FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$13000.00} In good standing FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$23000.00} In good standing FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$17000.00} In good standing FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$740.00} In good standing FED LOAN SERVICING Reported : XXXX XXXX, 2023 {$13000.00} In good standing
Product: Money transfer, virtual currency, or money service

I lost my wallet were it had my whole info my id my ssn and bank cards someone really screwed me over
Product: Credit reporting, credit repair services, or other personal consumer reports

As expected, CFPB and EXPERIAN have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC report which I have filed, but nothing has changed. Im attaching the required FTC Report again 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 following 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 emotionally, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I saw a collection account on my credit report for National Credit Systems, but I did not know who they were. I contacted the credit agency and they came back with a generic response stating that it was verified, but that is impossible. I was victim of a car break in where my wallet was stollen a couple of years back, but I never noticed this item on my report. it only came up because I went to buy a new car, but was unable to because this plummeted my score. when I look at the report it says National Credit Systems and says that the original creditor is XXXX XXXX. the problem with that is that I have lived in the same home for the past 17 years with my parents and I am only XXXX. According to this creditor they have had me in collection since XX/XX/XXXX. I have lived no where else, I have received no correspondence. I also sent a letter to National Credit Systems asking for a copy of what ever agreement or document that proves my signature but there still has been not response to date and that was in XXXX or XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) section 611, It is illegal to report inaccurate information on my credit report Please remove this item from my credit report. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   dob   XX/XX/XXXX  SS #  XXXX   X/X/XXXX  Transunion,    XXXX   and  XXXX  will not investigate my unauthorized inquires on my report. They will not validate the inquires and they continue to ignore my request to deleted the unauthorized inquires. It has been over  XXXX  days and by law they must deleted them all. all they do is say validated with no proof!!!!! who validated them give me a name and date and phone number of the person.       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     XXXX   XXXX   XXXX     XXXX   XXXX   - -   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Delete all my unauthorized inquires from my credit report
Product: Money transfer, virtual currency, or money service

Used XXXX and sent to wrong person. PNC bank XXXX was not sble to return funds or any action taken
Product: Mortgage

During XXXX break my husband noticed that XXXX payments were made on our mortgage. He immediately called Freedom Mortgage & was told he had to get our XXXX XXXX bank on a conference call. He did & his call was dropped twice. He had to contact both banks back twice & spoke to several different representatives to go over his issue numerous times. ( I was told this phone issue was documented by Freedom mortgage ) After the conference call my husband expected it was all worked out & he did see XXXX of our payments was returned from the mortgage company. We had NO idea that XXXX XXXX was also reversing a payment! Therefore, neither of our payments for XXXX were retained. We only found this out on XX/XX/XXXX when we got an alert that or mortgage company had reported us XXXX days late. I immediately got on the phone to try to remove the matter & was sent to the Escalation dept who was no help whatso ever. We immediately made a payment to make up for their XXXX payment they disnt retain & our XXXX payment was made as normal a week or so later. Freedom mortgage said they can not reverse the reporting to the credit beauraus because they " technically didn't receive a payment in XXXX ''. I said well TECHNICALLY you recieved XXXX payments but neither was retained & we had NO idea that this happened until it was already into XXXX otherwise it would have been resolved sooner! XXXX XXXX didnt report the reversal until XX/XX/XXXX which left no one any time to remove anything even if we had seen the error earlier. 
I called back a few.days later to Freedom mortgage to try to get some help from the Escalation department again- they kept saying that we needed to go through their online portal & email our greivance, which we did. Only to get a reply that no one can help with this. 
We have NEVER ONCE been late on or mortgage payments with Freedom mortgage in all the time we've used them. We don't understand why they can't see that & try to realize this was a horrible case of miscommunication between the banks & my husband. Especially after XXXX calls, XXXX calls got dropped & numerous representatives being involved in those confernece calls, it's very easy for there to be a mistake made..and there WAS. So for Freedom mortgage to not be willing to help clear our credit reports of this derogatory remark of " XXXX days late '' is completely unfair. My husband & I have worked very hard for many years to have a great credit report. Now our scores have dropped due to it being reported & we will not be given the same good & fair rates when going for a new car, house etc which is very upsetting! This was not our fault. We have aways paid on time which is reflected in our perfect payment history with Freedom mortgage. Please help us to get our credit reports cleared of this unfair derogatory remark!
Product: Credit reporting, credit repair services, or other personal consumer reports

ask the three credit major credit reporting agencies equifax, XXXX XXXX, XXXX  to remove negative remarks and inquies from my credit report since XX/XX/2018 of this year sent 4 rounds of letters
Product: Student loan

Navient took over my student loan XX/XX/XXXX, at that time I spoke with a rep from navient and informed him I was working but part time and was struggling to pay my loan he offered me to apply for a hardship deferment I did so and believed everything was all set, until I started getting calls XX/XX/XXXX saying that I owe and on my loan and when I mentioned it being in deferment I was told it was never put in deferment and then next thing you know XXXX took over the loan and now that it has been in delinquent status it is hindering on purchasing the home I am trying to buy, it is now being managed by a company called XXXX who told me I can make monthly payments for 9 months and then it will come off my credit report as a negative item or I can pay the loan off in full. Also come to find out my loan is collecting interest in a daily basis. So not am I only stuck with this loan it is hindering me from fulfilling my dream of purchasing my first home.
Product: Student loan

I have tried unsuccessfully to get Navient to lower my payments without any success.My payments are {$700.00} a month. I {$2000.00} before taxes. I have cosigners and they have been after them to make the payments. I am able and willing to make payments but not {$700.00}! My mom has been helping me out for the past few months. Her house burned last year and with the insurance money that she was to used to replace items in her home, she gave to me. I have called Navient numerous times asking for a reduction in payments and their only answer is my cosigners. Neither of my cosigners are financial able to help and both are retired.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  Open march 2019 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX Eperian keep updated as varied but never do and re investigation ant provided me with documents I requested and this account is not accurate it was removed for XXXX and XXXX for inaccuracy 15 U.S. CODE S 1681B 15 U.S. CODE S 16815-1 Violation
Product: Debt collection

Spoke to a representative she said she would send it to the appropriate department this was I'm marck going into apr