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

On XX/XX/2019, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, ONEMAIN add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXX  I received a phone call with caller ID from Citigroup. The representative told me that Citibank noticed some suspicious activities in my XXXX accounts. They have mentioned that they saw two transaction with {$500.00} and {$990.00}. I told them I did not authorize these transactions. 

The Citi rep then said he needs to transfer the call to XXXX to help. The call was transferred to a XXXX rep and he told me to set up payees name as XXXX then type in case ID XXXX then send {$500.00}. He said in this way, XXXX Supervisor will able to see the amount with case ID then reimburse me back. He asked me to do separate XXXX for the {$990.00} with {$390.00} and {$600.00} each. After I did that, he said he made a mistake and need to bring on his supervisor to fix. His supervisor asked me to send {$1400.00} which is XXXX. After that, he said it is over their daily limit and in order to get all money back, I need to split the payment into {$1600.00} and some other amounts. After I sent another {$1600.00}, I noticed all the money left my Citi accounts. I finally realize this may be a fraud. I called Citibank from another line and they told me this is a fraud while I was on the phone with XXXX. 

Citibank then started fraud investigation. 

On XX/XX/XXXX, Citi informed me that since I authorized these transactions, I need to contact the receipt to get money back. 

My understanding is such fraud is covered by Regulation E and I should get my money back except {$50.00}. 

Transaction Date Amount Transaction Type Transaction Description XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ID XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX ID XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX ID XXXX XXXXXX/XX/XXXX {$390.00} XXXX XXXX XXXX ID XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX  ID XXXX Please help me with this fraud. You can see Citibank 's responses in the attached PDF. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, LA XXXX Email : XXXX XXXX
Product: Mortgage

This is my second complaint to CFPB ( the first complaint # XXXX ) regarding United Wholesale Mortgage . They were paying my property taxes out of my impound account to the incorrect property address. They claimed that they had fixed the issue but I am now getting " delinquent '' tax notices from XXXX XXXX XXXX XXXX.
Product: Student loan

I have been approved for XXXX XXXX XXXX XXXX. I have written XXXX letters XXXX in XXXX and XXXX XXXX XXXX contesting FedLoan Servicing 's denial of an Income-Based Repayment plan and assignment of my XXXX school loans to an Income-Contingent Repayment plan, but have received no reply. 
The denial of my application for Income-Based Repayment is based on XXXX a fraudulent Parent Plus " loan balance '' of XXXX cents from XXXX ; and XXXX ) the incorporation of that " loan balance '' in my student loan consolidation in XXXX XXXX because of misleading and improper advice by FedLoan Servicing representatives. 
XXXX ) A fraudulent Parent Plus " loan balance '' All XXXX of the Parent Plus loans I took out for my son 's education at XXXX University ( XXXX date : XXXX ) were fully repaid in XXXX. I was never told there was ANY balance remaining on the {$36000.00} loan from XXXX. I never received a bill. I never received any accounting of where a XXXX " loan balance '' might have come from. I did not even learn of the XXXX cent " loan balance '' until XXXX, when a FedLoan Servicing representative informed me of it. 
I consider this " loan balance '' fraudulent. In addition, I was told by a FedLoan Servicing representative on XXXX XXXX, XXXX that it is customary to write off loan balances under {$5.00}. Therefore, I question the basis for this " loan balance '' existing. 
XXXX ) Misleading and improper advice This XXXX cent " loan balance '' was included in my XXXX University XXXX XXXX XXXX ( XXXX date : XXXX XXXX loan consolidation due to misleading and improper guidance by FedLoan Servicing customer service representatives. 
When I sought the loan consolidation for my XXXX school loans, which I was incorrectly advised was necessary to obtain XXXX XXXX XXXX XXXX, a customer service representative told me about this XXXX " loan balance '' from XXXX. It was the first I had heard of it, and I had no idea how to repay it since I had never received a bill. But he said I could include it in the loan consolidation. He knew I was applying for Income Based Repayment as part of my XXXX XXXX XXXX XXXX. 
He did not inform me that including the XXXX Parent PLUS " loan balance '' in the loan consolidation would completely disqualify the loan for Income Based Repayment, hence requiring me to pay 5 % more of my discretionary income for 10 years towards my loan repayment. 
This is a highly misleading act by a FedLoan Servicing representative and a violation of Fair Lending standards of the Consumer Financial Protection Bureau. 
On XXXX XXXX, XXXX, I received a notice from Fed Loan Servicing that I had been assigned not Income-Based Repayment but Income-Contingent Repayment. As you are aware, Income-Contingent Repayment uses a different formula : 20 % of discretionary income to set monthly payments. 
I have made multiple calls to Fed Loan Servicing to attempt to straighten out the inclusion of a fraudulent loan balance in my loan consolidation and the invalid denial of my application for Income Based Repayment. 
I request that this situation be addressed so that my Income-Based Repayment may proceed as provided for in federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got a hold of my identification and social security number. I can no longer access my credit, bank account, XXXX, PayPal, XXXX, accounts. Someone has been taking my mail until recently when I got a po box .
Product: Money transfer, virtual currency, or money service

I was contacted on XXXX to be hired for a full time XXXX  position on XX/XX/2018. The parent   then emailed me personally to give me more information on the job. They stated they were moving to my town and would need me to purchase a XXXX  for their arrival as the daughter just had XXXX. They sent me a check for XXXX $ to use for purchase of the XXXX and was instructed to deposit check and use for payment. On XX/XX/XXXX I was cleared to send money to the owner of the XXXX so I was instructed to go to XXXX to send a direct money transfer via XXXX. I sent XXXX $ and the next day found out the XXXX $ check was fake and was now out XXXX . I have contacts NYSP AND XXXX and XXXX WILL NOT CONTACT ME BACK.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX XXXX  XXXX {$340.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX NOT RECOGNIZED XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion EMPLOYERS NOT RECOGNIZED XXXXXXXX XXXX XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

UNITED REVENUE has reported a balance debt of {$930.00} on my credit report ( XXXX ). I have never done business with this company nor have I done any business with what they listed as the original creditor ( XXXX XXXX XXXX  ). I do not owe this company. I sent United Revenue XXXX certified letters and have not received a response whatsoever. 

The first I letter I sent was received XX/XX/2024 and the second XX/XX/2024. In these letter I requested validation of this alleged debt/ contract, per the Fair Debt Collections Practices Act or to remove it immediately. Again no response whatsoever. 

Congress made this very clear and I Quote : the CFPB told debt collectors and consumer credit reporting companies that they cant collect, furnish, or report any invalid medical debt. End Quote. 

They are furnishing invalid medical debt, that should not be on my consumer report. Congress passed the No Surprises Act to help protect Americans from certain unexpected medical bills and you are in violation of this law! 

Below is an article published by the CFPB : https : XXXX longer-be-on-your-credit-report/ The No surprise Act is very clear, Invalid medical debt should be on any consumer reports! 
A consumer is not responsible for balance bills or out of network costs I am planning to make a large finance purchase and this negative item may affect the process. I need the following inaccurate account deleted from XXXX. Please help!
Product: Bank account or service

A while back I signed up with Bank of America, for merchant/credit card processing. The issue is the credit card machine lease that BoA sneaks into the deal. They mention free, but it turns into a 48 month lease contact for $ XXXX for a {$300.00} machine. It was just a deceptive sale on their part. Contacted BoA sales rep regarding issue, tells me to contact first data, and to offer to buy out machine lease for less than lease term. Called first data ... and Not a chance of that working. Another example of their mis-info or understanding.
Product: Money transfer, virtual currency, or money service

Hello, Today XX/XX/XXXX, I visited Wells Fargo bank in XXXX, NJ XXXX XXXX XXXX XXXX. Arrived at XXXX, called previous day to advise them will be visiting to withdrawal said amount of XXXX from Trust account. Spoke to a XXXX XXXX, who related message to another gentleman at branch. At branch, when finally made my way to teller, after Id, and Bank card given, first dispute was my signature on withdrawal sheet, was told that was an issue, when it is clearly shows on prior withdrawal sheets how I print/sign my name. After that was cleared, all was going well but, before I can get my withdrawal funds was told I need to write or say my Social Security number. Which I stated is on file and and I am not in agreement or comfortable with saying or displaying it. I stated all information was given when Trust was open, I offered to given any additional information on trust to clarify, but was told no, that I had to give Social Security number in order for release of funds. This was discussed about through Branch manager XXXX XXXX and staffs of 2 other females and 1 other male behind counter. As on Social Security guidelines, XXXX XXXX, Section 7 of Public Law 93-579 ( aXI ) ,18 USC Sec. 242 and 42 USC Sec. 1983, 42 USC See, 408. 31 CFR s.s 1.32. And quite a few others that I should not have to express, being its a Bank. 
It is not mandatory to show SS card again to with draw your own funds from account regardless of amount, All necessary information was given during opening of account. SS card is not a form of ID, anyone can say or write a SS on a paper. To end visit at XXXX. 
I request your federal guidelines to be shown and expressed as stated by your Branch Manager, in regards to this matter, were it is " mandatory '' to be given, in order for funds to be released. 
Again, Thank you
Product: Credit reporting or other personal consumer reports

I applied for a new equipment loan on XX/XX/XXXX. I was turned down due to the fact, according to Experian, I have no credit.. My credit score with two other bureaus is good Unfortunately, all the banks I deal with use experience and can not help. I repeatedly tried to contact Experian, but they do not have a method for me to talk to a physical human being and I end up getting hung up on. I do not see how company that has this much power over peoples lives can be allowed to have such poor support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I am writing this statement to dispute certain information you have reported incorrectly on my credit report. Please block or please delete incorrect information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

XXXX XXXX XXXX Credit Cards XX/XX/XXXX US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX/XXXX XXXX Complete Department Stores XX/XX/XXXX
Product: Vehicle loan or lease

Car loan was paid in full to First Horizon Bank. Account was closed but continues to show as late. This has crashed my credit score for months. I just lost everything I own in Hurricane Ian and this mistake has made it impossible to get an SBA Loan or a car loan at a decent interest rate because the account was closed showing it is not current.

I made may attempts to speak with someone at the bank who could help. I was told the customer service dept does not deal with car loans. I was told in XX/XX/XXXX the Solutions team would call me. It is now XX/XX/XXXX I have never received a call. I have asked for a number for the solutions department but was told there is no number for them and that they have to call you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstly, I was traumatically affected by the declared disaster Covid-19. I was let go from work to lessen the in office capacity. This pandemic and the mandates were out of the peoples control. This account is negatively affecting my ability to get a home to house my infant. Ive called and spoke with the creditor several times. I am XXXX because of this hit, I received an emergency housing voucher but am unable to use it because renters automatically see this negative hit and deny me instantly. Please help, there should be some kind of forgiveness due to an uncontrollable disaster occurring. My previous disputes meet FCRA requirements but no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, and XXXX XXXX XXXXXXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX  - XXXX - {$2100.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX XXXX Employers : XXXX XXXXXXXX XXXX Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX, has violated my rights ; 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Violation of TILA 15 U.S. Code 1666 ( b ) Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose If you are unable to provide me with a copy of the verifiable proof, you must also update and/or remove the information listed above. Additionally, failure to respond satisfactorily with a free copy of my report after the changes have been made will result in the above actions being taken against your company in small claim state proceedings ; I will also be seeking monetary relief of {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent infliction of Emotional Distress 3. ) Violations of 15 U.S.C 1666 ( b ) & 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Capital One has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Capital One reported late payments to all 3 credit bureaus on the following dates XX/XX/2023, XX/XX/2023, and XX/XX/2023 which are all inaccurate.
Product: Debt collection

RECEIVED AN ALERT TODAY FROM XXXX THAT THERE WAS A COLLECTION DEBT ON MY REPORT. IT CLAIMS THAT A DEBT OF {$990.00} IS OWED REGARDING XXXX XXXX AND THE COLLECTION COMPANY IS AMSHER COLLECTION SERV
Product: Credit reporting or other personal consumer reports

I requested that each bureau ( XXXX and Experian ) to remove derogatory items from my credit report more than once. I got responses concerning other irrelevant issues but no action or investigation was submitted. By law i'm am entitled to the sum of the items and you must remove block all derogatory items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached proof of identity, address, and letter.
Product: Student loan

Back in XXXX, I had to decide on my future and I had very little options since my parents couldnt afford to send me to school. I came across from a represenative from XXXX XXXX XXXX. It was a XXXX XXXX XXXX XXXX and they promise I would get a job in my field. My major was XXXX XXXX Not only did they promise me a job, but my loan would be paid off in XXXX years. I never found a job in my field. I started to pay my loans back in XXXX, its now XXXX. XXXX years I been paying loans, and I still own XXXX XXXX I am working XXXX jobs just to help my loans. I was lied to and I asked for a misconduct sheet. Navient denied it and said I didnt qualify. How is they lied to everyone and some may qualify but XXXX dont?