23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

We XXXX bought a timeshare while on our honeymoon in XXXX. Most foolish/worst financial decision of our lives. This was XX/XX/XXXX. We 've been trying to get rid of it since then. We 've fallen prey once already to a company claiming to resell it for us. Since then we disregarded several more attempts to scam us around this issue. Sadly, in late XX/XX/XXXX we got another resale offer. This one looked legitimate possibly. I forwarded the contract to an attorney who I spoke to but he stopped engaging. We had several phone conversations with the person posing as XXXX and felt there was legitimacy to this. We moved forward. We wired {$1200.00} for fees that were " guaranteed '' to be returned upon closing. An additional {$1000.00} was wired for taxes ( non-returnable. our only " cost '' ). We were told that the closing was scheduled and that upon completion we 'd be contacted to chose a title clearing company where we could finalize our end of the transaction and receive payment. As the closing approached communications became sketchy and unprofessional. The closing was supposedly on Friday XX/XX/XXXX. We 've heard nothing since. There was also a man posing as XXXX in their " processing '' department that I spoke with and emailed with. Both he and XXXX 's phones direct to voice mail now. Neither has a mailbox message. Neither identifies themself. His mailbox is full. I 've left XXXX multiple messages. Her email bounces back as undeliverable. His does n't. Their email XXXX is an inactive website. Using XXXX it is owned by : Organization : XXXX Mailing Address : XXXX, XXXX NJ XXXX US Phone : XXXX. I see now there are multple compaints of fraud against this entity. I 've texted both XXXX and XXXX multiple times demanding a response. I 've heard nothing. I gave them until today, XX/XX/XXXX to respond before reporting them to the authorities. We 'd like to pursue this complaint to whatever degree is possible. I have complete email exchanges, the signed contracts, and the wire transfer details. I hope we can work with someone to pursue this matter further. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reporting either inaccurately or as a result of identity theft : Incorrect Personal Information Name : XXXX XXXX ( TU & XXXX ) Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX  XXXX XXXX ( XXXX  ) Address : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) The following accounts are reporting inaccurate credit status : XXXX XXXX - Open Date : XX/XX/XXXX ( TU  ) and XX/XX/XXXX ( XXXX   and XXXX ) Bal : {$9800.00}. I was never late. 

XXXX XXXX  - Open Date : XX/XX/XXXX ( TU ) and XX/XX/XXXX ( XXXX   and XXXX ) ; Bal : {$23000.00} ; I was never late. 

XXXX - Open Date : XX/XX/XXXX ( TU ) ; Bal : XXXX ; I was never late. 
XXXX/XXXX  : XXXX XXXX : XX/XX/XXXX ; Bal : {$0.00} ; I was never late. 

The following accounts are a result of identity theft/fraud : XXXX XXXX  - Date Open - XX/XX/XXXX Bal : {$450.00} ( XXXX, TU, XXXX  ) XXXX - Date Open - XX/XX/XXXX Bal : {$0.00} ( XXXX and XXXX  ) XXXX ( XXXX ) - XX/XX/XXXX Bal : {$7700.00} ( TU ) XXXX  - Date Open - XX/XX/XXXX Bal : XXXX ( TU ) XXXX   XXXX XXXX - Date Open - XX/XX/XXXX Bal : XXXX ( XXXX ) XXXX XXXX - Date Open - XX/XX/XXXX Bal : XXXX ( XXXX & XXXX ) UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX  XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX XXXXL XXXX XXXX XXXX TRANSUNION THE FOLLOWING PUBLIC RECORDS IS NOT MINE : Bankruptcy Chapter XXXX - Dismissed XX/XX/XXXX - ( XXXX, TU, XXXX  ) Bankruptcy Chapter  XXXX - Dismissed XX/XX/XXXX - ( XXXX, TU, XXXX ) Bankruptcy Chapter XXXX - Discharged XX/XX/XXXX - ( XXXX, XXXX, TU )
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


TRANSUNION XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 


I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Vehicle loan or lease

I 'recently filed bankruptcy and it was discharged on XX/XX/XXXX. I attempted to catch up car payments for XX/XX/XXXX and as a result, I called Navy federal, customer loan department. on XX/XX/XXXX and was told that I was eligible for a 2 month extension and to call back to confirm on XX/XX/XXXX. I called on XX/XX/XXXX and was told by XXXX XXXX XXXX Bankruptcy specialist ) that I could not get the extension and XXXX XXXX stated that he does not know whom have me that information. It must be noted that, there was a complete application that I had to undergo to apply for this extension which was given to Navy Federal representative over the phone. XXXX XXXX denies that there was ever a extension applied for and stated that I was given incorrect information. It should be noted that I prepared for the extension financially as a result of being told by the customer loan representative, that I was in fact, eligible for the extension and assured me that I would receive it. Now I am being told by XXXX XXXX, that I will not receive the extension and he is now threatening to retrieve my car. XXXX XXXX is clearly unsympathetic to my financial need and is holding the fact that I filed Bankruptcy, against me! by not approving any extension due to me filing bankruptcy. I am requesting that I be extended the extension as I did financially prepare for it and have made preparations to move into a new home. Not approving the extension would place great financial burden on me until such time as the original extension agreement can be completed. I am requesting that Navy federal honor the request that I was told that I was eligible for
Product: Credit card or prepaid card

I have lived in the United States close to XXXX XXXX years [ XX/XX/XXXX ]. I believe and/or guess that I am a naturalized citizen today. In my life time [ half of my years on earth and/or the United States XXXX XXXX, I did never have a single chance to get financing of any sort or kind because of many factors which surpassed human ability to quantify and/or analyze the why, when, where, what, which, when questions. I did never walk head up like others when my application gets approved because it is million " Denied '', " Declined '', " Not at this time '' so on and so forth. But through the wills of god., there were times when I overcame unbelievable and/or very bad competitions by financing my personal stuff by myself which always made many other bad guys turn up and get me XXXX  or XXXX  for some unknown reason., every time such challenges became shame and/or disgrace to the concurrent regulators., or their policies or whatever stuff and new policy must convene because of such and such stuff that has to be brought when something did not work or got beaten by not anticipated pathway. To make the long story short. I have GOOD or close to VERY GOOD credit score [ XXXX ]., I assume. But two recent attempts to make things worth moving by applying for a line of credit which would amount no less than {$990.00} was automatically declined and/or denied for the thousandth or whatever time since XX/XX/XXXX. Where is the intractable obstruction which hypnotized the existing laws, rules and/or regulations.
Product: Mortgage

I signed modification paper work on XX/XX/2022. XXXX XXXX got my paper work back on XX/XX/2022. My modification docs said payments will start on XX/XX/2022 and that's what the account will show. Well i called about the acct in XX/XX/2022. One person said wait to make the payment and then another would call and say make a payment. This has been going on for several months. There has been several phone calls in between then and now from the company and to the company. Most of the time I was calling them at least 1-2 times a month. They started out calling me everyday although I was going thru a modification. I told them I was waiting for them to complete the modification so I can start my payments. They would call and say Im on a modification and I would ask why they keep calling? They would tell me let me check the account oh I see you on a modification is there anything i can help you with? I would say no. This does not make any sense. I would say around XXXX I started calling them because they stopped calling. Just to make sure everything was good. On the calls they would tell me they are waiting for the buy out phase. Once the buy out phase is complete you and then start making your payments. I told them that this is not right that they are taking so long. I also stated that this is how you all make people loose their homes. So I talked to them on XX/XX/XXXX the person informs me that {$6600.00} was needed to complete the modification. I told her I didn't have that money. On XX/XX/2022 they told me I had to pay {$6600.00} or the modification would be declined and I would have to pay all he past due amount. I offered to give them {$1500.00} and pay the rest in 10 days they said no. I called back and offered {$4100.00} and rest by end of month and they said no. I am calling all I know to borrow money for the {$6600.00}. They also told me if the mod is declined I would have to do another one and they may not approve it based on how I handled this one. I told them that's not fair to me because it was not my fault that they have not processed the modification. So i had to beg and borrow to come up with the money because I didn't want to loose my home. So Im in the hole with people that I borrowed from. I need help because this is unfair practices.
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. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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 XXXX and XXXX I requested my cd to not renew and instead place funds in checking to pay a tax bill. Both said it will be done. Never was. 
This is theft. I need my funds. 
My cd ends in XXXX. This is with Chase.
Product: Credit card or prepaid card

Back in XXXX, I canceled the credit card with US Bank. The service agent promised USBank will refund my the {$99.00} annual fee charged in XXXX. But it never refunded to me, I called again in XXXX, and the service rep said they will requested it. On XX/XX/XXXX, US Bank sent a letter saying they will not honor the refund. 

I should receive the refund as the US Bank agent promised me back in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX my consumer report : XXXX XXXX XXXX XXXX, Account # XXXX YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATE ( b ) 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 instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT, XXXX15USC1681. Failuretorespondsatisfactorilywith deletion of the above referenced account ( s ), and sending out a free copy of my report after the of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX, I not sure witch company, XXXX XXXX XXXX XXXX is reporting this information incorrectly, but on this particular account the monthly balances are the exact the ssme and there showing some payments not all of them the length of time me having its tottay wrong payment are missing I received the account, its almost like threre trying to rouing my life furthermore under the fair credit act i never agreed or signed a disclaimer to give out my information!! Can ths please be resolved immediately it is stopping me employment, transportation.andetc
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is listing the incorrect dispute street address for American Honda Finance, aka Honda Financial Services. Equifax clearly lists the address for American Honda Finance as XXXX XXXX XXXX XXXX XXXX NC XXXX. This is clearly wrong, the correct address for HFS ' NC location is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Honda Financial Services also has an address in Texas - Honda Financial Services, XXXX XXXX XXXX, XXXX, TX XXXX. What is the correct address for disputing information with XXXX XXXX XXXX, aka Honda Financial Services. This address provided by XXXX has probably been incorrect for YEARS!!!!
Product: Student loan

My monthly payment with Sallie Mae has risen to an unmanageable amount and they did not put any effort toward working with me to lower the payment. The absolute most I can afford to pay them per month is {$300.00} ; the current balance due for XXXX is {$410.00}. 
I contacted Sallie Mae 's Office of the Customer Advocate in late XXXX. I'd read online that people have had success in the past getting their payments lowered this way. I offered to either pay at most $ XXXX or default. It didn't work. The individual I spoke to told me to pay what I could in XXXX then wait for their collections department to contact me. I had planned to do that, however, I had a surprise vet bill this month and I chose to save my cat 's life instead of paying Sallie Mae. 
I have no faith that Sallie Mae 's collections department will help me. I absolutely can not afford to pay them $ XXXX. I only owe {$23000.00} altogether, but even at $ XXXX my loans are not due to be paid off until XXXX because the interest rates on my three loans are 11.375 %, 12.5 %, and 13.5 %. 
I've never once missed a payment with them. I've been at most four or five days late. 
I am almost XXXX  years old and a XXXX XXXX XXXX XXXX XXXX XXXX  and I have to borrow money from my mother in order to buy groceries. I can not afford car repairs. I eat ramen and broccoli. I do not and can not spend my money on unnecessary things. One of the cosigners on my loans is my grandmother, who is XXXX years old and struggling to heat her house. The other cosigner is my mother, who works XXXX XXXX  and tries help me, but she can't really afford it. I don't know what else to do. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I would like to exercise my consumer rights to privacy 15usc 1692 ( a ) you have shown time and time again that your company is willing to violate consumers at all cost to help benefit whomever to help violate me further from obtaining consumer products.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit file. I am a victim of a data breach, and these fraudulent items do not belong to me. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft blocked from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Closed, Paid-Off Account from Credit Report Dear XXXX XXXX XXXX Department , I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX Account Closed : XX/XX/XXXX, XX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


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

I called transunion so many times to have these inquiries deleted. Remove inquiries immediately as they are unauthorized and I did not consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my home and my broker advised that I should be not paying XX/XX/XXXX mortgage payment because it will be closed before the end of the month .They did not want me to wait another 30-60 days to get a refund since all documents were processing. Suntrust Bank was fully paid on XXXX XXXX. They were paid in the month of XXXX. They reported me as late in mortgage payment for that month. That is unfair and incorrect. They are paid in the Month of XXXX. I should be late if I paid them in XX/XX/XXXX. I called them and they were rude. They were not happy that I left them and I felt discriminated as well. The gentleman on the phone would not help and remove Late Mortgage Payment. He dismissed me quite fast. 
I talked to my broker and they verify that I was not late .All the documents show that they are fully paid in XX/XX/XXXX. As a senior citizen I made all my mortgage payments on time and prompt. My credit is hurt because of them not helping to remove this incorrect issue.
Product: Credit card or prepaid card

I am writing today in regards to my account with Citi Cards/Citibank account # XXXX. The reason for writing today is in regards to the late payments which are reporting on my report beginning in XX/XX/2020-XX/XX/2020, due to Covid which greatly impacted me I was unable to make the payments, As soon as I was able to, I got my payment made and caught up.