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

I received a notification on my XXXX XXXX that I had these inquiries made when I never wrote to these companies to pull my consumer report. Not only was my credit card ( social security number ) used without my written consent, for the extension of an yopen ended credit account, it was done fraudulently under a name that did not match my credit card and an address that was not real. I never received a right of recission. ( 15 USC 1635 ) let alone a finance charge which is necessary pursuant to federal law 15 USC 1605. to make things worse, this fraudulent activity wont end here, im sure they will send some sort of statements claiming I, The original creditor, owe a debt. Well, I want to make it very clear that i willl not pay that alleged debt. It makes no sense to pay money that my credit card originated. right? This headache has caused me mental harm because the Consumer reporting agencies EQUIFAX XXXX AND XXXX gave out sensitive informationg that they never had permission to. pursuant to federal statute, FCRA, my livelihood and reputation depends on the information and data that the aforementioned consumer reporting agencies harbor. Well, having those hard inquiries and extensions of credit under a mispelled name and also address that isnt even real has now caused me significant damage. my reputation and credibility have been damaged to a point where i must seek professional emotional and mental help. I will attach the FTC affidavit that was filled out. which took me more time to do off of their negligence. 

I filed the FTC report, i have now complained to the CFPB and I have my affidavit of truth with a whole lot of federal consumer right laws that have been violated. This will be the only opportunity that I will give experian equifax and transunion to make it right and I invoke my specified remedy of {$5000.00} to be paid by each consumer reporting agency EXPERIAN XXXX  AND XXXX, totaling {$15000.00} to be mailed out by XX/XX/2021 to the Consumer, I in Fact that you will see in the FTC affidavit that will be atttached. 

If a swift response isnt made on their end, I will continue with my affidavit of truth, citing over {$100000.00} woth of federal violations they willfully broke and my beautiful exhibits and I will notarize it and send it to the Attorney General and the XXXX and will take legal action.
Product: Debt collection

Repeated phone calls and leaving messages that its a debt collection call because of deficiency, asking personal questions about me as a person in my place of employment, spoke with other staff member in my place of employment, leaving threats in my phone, sent a threatening letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these  accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To Whom it May Concern : On XX/XX/2020 I went to XXXX to redeem a voucher for a plane ticket. The website is very outdated and they do not make it clear where you are supposed to enter the voucher number. I got to the part, where I had to enter my credit card number and I entered my bank of america credit card number because it wouldn't let me progress to the next screen otherwise. After I hit next, the website crashed and I thought that I did not think the purchase had gone through. I did not receive any emails of any kind regarding a ticket I had purchased. The next day, I saw that the charge had hit my bank of america account. I immediately tried to get in contact with XXXX in order to cancel the ticket and get my money back. Getting hold of them turned out to be very difficult. I reached out many times via chat and was told each time there was nothing they could do via online chat. I called several times, and the phone would ring for hours without anyone ever answering the phone call. I have a screenshot of a phone I placed on XX/XX/2020 for over XXXX hours. No matter how long I waited no one would answer the phone. I even went to the airport to try and resolve this issue and they said I had to call. I did not use the plane ticket nor did I even get a confirmation that I had purchased a plane ticket. They need to refund me this money and improve their customer service. The fact that no one answers the phone is ridiculous. Please reimburse me the full account. I have been a client of yours for over 20 years and have never had any of these types of issues. 

Thank you!
Product: Student loan

For the past year, I have been attempting to have Citibank update the status of XXXX loans they previously held. These loans were disbursed to me in XXXX, when i was a student XXXX XXXX XXXX XXXX in XXXX, NC. These loans defaulted in XXXX, after I graduated XXXX and had a very hard time finding a job. At the time, I was barely making enough to pay my rent, utilities, and buy food. These loans transferred to XXXX other lenders. 
During XXXX and XXXX, I completed rehabilitation programs for all of my defaulted student loans. I also paid off XXXX of the loans that was previously owned by Citibank. I did so with the guidance of an advisor at a local credit counseling nonprofit. She suggested I reach out to Citibank after completing all rehabilitations, to request that the status of these loans be updated to paid on my credit report. Both lenders ( XXXX Funds and XXXX XXXX XXXX XXXX XXXX updated the status of loans on my credit report. However, after many requests and promises to update my loan status, Citibank has not done so. 
I started by calling last fall and speaking to a representative. They assured me that If I obtained letters from XXXX Funds and the XXXX XXXX XXXX XXXX, Citibank would update my credit report status to paid and rehabilitated. I mailed these documents in XXXX XXXX, and received a reply from Citibank in XXXX XXXX indicating that they received my request and would update my account with all XXXX credit agencies. Nothing happened. 
I called and then sent another request by mail in XXXX XXXX. I got another reply that the status of my old loans would be updated, but still nothing happened. Since then, I have talked to several Citibank representatives who gave me false hope. These loans both have a delinquent status on my credit report. 
I have consolidated all of my remaining student loans under the servicer XXXX. These Citibank loans are the only negative mark on my credit report. They are listed as last late 5.1 years ago. I 've tried so hard to repair the damage I did to my credit and financial future by letting my student loans default. My fiance and I are hoping to buy our first home this year, but we are waiting for my credit to improve. I would be so grateful if Citibank would remove the negative status of these accounts. We do n't want to wait two more years for these loans to disappear from my credit report before we can move forward with our financial goals. I would greatly appreciate any help with this matter. I 'm attaching all of the mailed correspondences between Citibank and myself. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ;
Product: Mortgage

I called in to Planet Home Mortgage on XX/XX/XXXX to auto-draft or schedule a payment yo draft on XX/XX/XXXX. this was done over the phone with a representative. She read me a disclosure and then I received an email from Planet Home on XX/XX/XXXX advising that my payment ( scheduled for XX/XX/XXXX ) was drafted and received. I called the mortgage company and they were able to pull the call and confessed to their error of prematurely drafting my payment resulting in an overdraft to my account. I contacted my bank and had the payment reversed. I called Planet Home about 5 times requesting a document for the error and was told they could not send such a letter. This has impacted my banking relationship and should be considered illegal. On XX/XX/XXXX, they re-tried the payment ( again that was not supposed to come out until XX/XX/XXXX ) and I called the company and was told since its ACH there is nothing they can do. They have yet to send my letter or resolve and now Im afraid the payment will be re-tried for a XXXX or XXXX time. This has not yet been resolved.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} ; XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

We were late with out payment and arranged a payoff with them due XX/XX/XXXX. They instead sent a repossession team to our house and hollered at the top of their lungs to pay my debt and called me a " XXXX ''. One of the guys had his hands in a fist and was threatening to XXXX me. I recorded this on our home security system with the originals at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, this your warning delete that XXXX off my consumer report or you will be going to jail for aggravated identity theft. You are violating rights to privacy and I didnt give you my lawful authority to get my nonpublic personal information. Now delete that collection account off my consumer report. And I refuse to pay any alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting transactions and experiences on my consumer report which include late payments, Past due amount, Original balance, Monthly payment, Terms, balance, credit limit and monthly payment from the following company : XXXX XXXX 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) transactions or experiences are not to be reported on a consumer report and pursuant to 15 U.S. Code 1666b a payment on a credit card account under an open end consumer credit plan is not to be treated as late for any purpose. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. This company and their inaccurate reporting have damaged my livelihood.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

I recently checked my credit report and noticed the initial loan amount being reported on my car loan was significantly less ( XXXX ) than the amount I actually have paid for my vehicle. I began to think that the car dealership or Chrysler Capitol might have overcharged me or committed some type of fraudulence in charging/reporting the price of the vehicle and what I have paid on the vehicle. Also, I recently discovered the XXXX XXXXXXXX XXXX sold to me had been used as a rental vehicle. I was never told this information, and I was lied to about the vehicle.
Product: Money transfer, virtual currency, or money service

When disputing charges I was either ignored completely and ended up with products that I didnt approve of and couldnt cancel in time. Through using XXXX as well
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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

Me and my husband purchased a car. The downpayment is XXXX My husband requested the transfer on XXXX XXXXXXXX. The transfer was then scheduled for Monday. 
On XXXX XXXX ( today ) he went to check the status and his account was actually blocked. When I checked, my account was also blocked. From that on, we are suffering to reestablish the access. They wasn't being able to " send a pin '' to " verify my account '', but all information we gave was right. 
After long calls, my husband managed to have access again. We immediately requested A SECOND TRANSFER ON XXXX in order to have all our money back. 
Now our first transfer of MY FIRST TRANSFER OF SATURDAY XXXX was reversed and we have a check to pay tomorrow. They just need to liberate our money, from all transfers ( FIRST AND SECOND ).
Product: Mortgage

Nationstar Mortgage sends very misleading, confusing, and manipulative emails and letters. Here 's one example with the subject line : " Fed likely to raise interest rates, CNN Reports. '' This type of email can scare people into making poor financial decisions. Here is the text of the mail : CNN Money XX/XX/2017 " Get ready for higher interest rates. '' " XXXX stressed that the U.S. economy is doing pretty well and has 'continued to make progress. ' She called the U.S. job market strong and said prices are moving up at a faster pace. '' " 'At our upcoming meetings, the committee will evaluate whether employment and inflation are continuing to evolve in line with these expectations, in which case a further adjustment of the federal funds rate would likely be appropriate, ' XXXX said. '' XXXX READ THE FULL ARTICLE AT : XXXX Considering a home purchase or refinance? 
CALL NOW RATHER THAN LATER We 're ready to answer your questions and help you move forward when you are ready. 
XXXX Mon-Thurs XXXX CT Fri XXXX CT Sat XXXX CT
Product: Credit reporting or other personal consumer reports

My Equifax credit report contains late payment remarks that I strongly believe are inaccurate. These misleading records do not reflect my actual payment history and are causing unnecessary harm to my financial standing. I will not allow these errors to remain unchallenged. 

I have maintained responsible financial habits, yet these inaccuracies continue to create barriers. The Fair Credit Reporting Act ( FCRA ) requires that all reported information be accurate and verifiable. Any outdated, incorrect, or unverifiable late payment records must be removed immediately. My report reflects inaccurate late payment remarks for XXXX XXXX ( XXXX ), which must be thoroughly reviewed and corrected without delay.
Product: Credit reporting or other personal consumer reports

Checkr background 's explanation for displaying my ten-year background was that it is allowed in Indiana. However, XXXX 's background checks only go back seven years, and other Indiana residents had their backgrounds displayed for the same period of 7 years. This discrepancy feels like targeted unfair treatment. Intentionally to show an old felony and make it harder for my to be approved for a job offer.
Product: Debt collection

Reference Consumer.Finance.Gov Case # XXXX which identified an administrative error by XXXX and erroneous debt collections against me by Southwest Credit Systems. As part of your investigation, which discovered this was an error, Southwest Credit Systems was to remove any negative reports or comments on my credit report/file. As of X/XX/17 Southwest Credit Systems has not removed negative comments concerning Case # XXXX. Please have Southwest Credit Systems, XXXX XXXX XXXX, XXXX, TX XXXX immediately remove all negative reports/comments from my credit report/file permanently.
Product: Credit reporting or other personal consumer reports

I am writting formally complaining about the denial of my credit information submitted ALLY BANK XXXX I believe this denial violates my rights as a consumer under equal credit opportunity Act ( ECOA ) and potentially falls under unfair and Deceptive Acts or practices ( UDAP ) Laws
Product: Credit reporting or other personal consumer reports

Re : Discrepancies and Errors in Credit Reporting by XXXX Dear CFPB, I hope this letter finds you well. I am writing to formally request an investigation into and resolution of significant discrepancies and inaccuracies in the credit reporting provided by XXXX. As a consumer based in XXXX, Pennsylvania, I have recently started a consumer law practice, and it has come to my attention that XXXX has been reporting incorrect and outdated information, which has adversely affected my XXXX XXXX and my ability to build a favorable credit profile. 

I have attached a packet containing my credit reports from XXXX, XXXX, and XXXX, which clearly illustrate the discrepancies in XXXX 's reporting. The following issues require immediate attention and correction : Divergence in Credit Scores : XXXX 's XXXX XXXX differs significantly from both XXXX and XXXX. XXXX 's score is XXXX points lower than XXXX and XXXX points lower than XXXX. Such discrepancies raise concerns about the accuracy of XXXX 's reporting. 

Outdated Information : Several entries in my XXXX credit report, such as charge-offs and old closed accounts, have not been updated for several months, despite the same accounts being updated on other credit reports, including XXXX and XXXX. For instance, the " status updated '' date for the XXXX XXXX account is XX/XX/XXXX, while the " balance updated '' date is XX/XX/XXXX, and the " last payment date '' is XX/XX/XXXX. These inconsistencies violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Discrepancies in XXXX XXXX : XXXX reports significantly higher loan and total debt amounts compared to XXXX and XXXX. XXXX 's reporting shows a loan debt of {$28000.00}, while XXXX and XXXX report substantially lower figures of {$20000.00} and {$20000.00}, respectively. These discrepancies are not only inaccurate but also detrimental to my credit profile. 

I kindly request that the CFPB conduct a thorough investigation into these discrepancies and inaccuracies and take the necessary steps to compel XXXX to correct and update the information on my credit report promptly, with all amendments reflected as late as XX/XX/XXXX. These discrepancies not only harm my creditworthiness but also violate my rights as a consumer under the FDCPA and FCRA. 

Enclosed, please find copies of the relevant credit reports with the highlighted discrepancies for your reference. I am also prepared to provide any additional documentation or information you XXXX require to facilitate this investigation. 

I appreciate your prompt attention to this matter and your commitment to ensuring fair and accurate credit reporting. Please inform me of any updates or actions taken regarding this dispute. 

Thank you for your assistance in resolving this issue. 

Enclosures : XXXX Credit Report XXXX Credit Report XXXX Credit Report
Product: Debt collection

I received mail on XX/XX/XXXX from a company called Phoenix Financial Services saying that I owe a debt from another company called XXXX XXXX XXXX XXXX in the amount of {$1300.00} at date of service in XX/XX/XXXX and that I paid off {$330.00} between then and now which I havent since I dont owe this company any money and that now I currently owe them {$970.00} but if I pay off my debt within 60 days I can pay a reduced amount of {$680.00}, I was given the option to dispute my claim with them but I dont want to send any personal information to a company I have no idea and believing is scamming me.