23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer Financial Protection Bureau Subject : Unauthorized Reporting and Violation of Consumer Rights Dear CFPB Representative, I have noticed a list of misinformation being furnished to my credit report without any written or electronic communication as a consumer, which is violating my right to privacy with fairness, impartiality, and respect. As a consumer of my credit report, I have not received any written or electronic form that my nonpublic personal information be disclosed to this agency, nor given the opportunity to opt out of the disclosure, which is in direct violation of 15 U.S. Code 6802.

This agency continues to violate my consumer report by not only furnishing information on my report but doing so without any written instructions from me according to 15 U.S. Code 1681.

Credit reporting agencies can not receive, furnish, sell, or share a consumer 's personal information without respecting their right to privacy, nor give written or electronic forms of such disclosures and receive written instructions from the consumer, which leads to 18 U.S. Code 1028A.

Furthermore, this agency is strictly prohibited from selling, sharing, or transferring my personal information, including my account details, to any third-party collection agency without my express written consent. Any attempt to do so constitutes a direct violation of 15 U.S. Code 6802 ( b ) & ( c ) and the Fair Debt Collection Practices Act ( FDCPA ).

This agency knowingly possesses my nonpublic information without any lawful authority and continues to use my information by furnishing a report, which is a direct case of identity theft.

None of the information below is related to a transaction done by me as a consumer. I demand that the information listed below be blocked and deleted from my credit report no later than 4 days after receiving my request. These transactions are not related to any transactions done by me.

To be BLOCKED and REMOVED : CHARGE-OFF ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXXXXXX XXXX This company transferred my nonpublic personal information without lawful authority and failed to give an explanation on how to opt out of disclosure, nor the opportunity to do so according to 15 U.S. Code 6802A.

According to 15 U.S. Code 1681b ( 2 ), this company must receive written instructions from me, the consumer, to furnish any items. I DID NOT WRITE ANYTHING TO THIS COMPANY TO ALLOW THIS.

Additionally, I demand that this company cease and desist from selling, transferring, or disclosing any of my personal or account information to any third-party collection agencies. This includes any form of communication with debt buyers or collection agencies regarding this account.

This company is violating my rights, which is illegal. Cease and desist all communication ; communication through any medium according to 15 U.S. Code 1692a ( 2 ) so now block and delete. 

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

I received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained against XXXX XXXX multiple times. Many cards were stolen from my office, used, and then fraudulent payments were made to allow continued charging to exceed the credit limit. My credit limit was {$2500.00} / {$2200.00} on two cards and MY balance was approx. {$2000.00} on each card as of XX/XX/XXXX. I do not have nor received the information on card ending in XXXX. Cards were stolen sometime first of XXXX. I filed attached sheriffs report in XXXX and then had 32 of water from XXXX XXXX after the XXXX tax day flood of 8. I was having payments scheduled at the first of the month to be paid on statements due date when I received my paper statements. Then mail was stolen from my rural mailbox. I was not using the cards but paying off after XXXX and two floods. All charges starting XX/XX/XXXX were not mine. There were fraudulent payments on card ending XXXX that started on XXXX of {$2200.00} and returned the same day, on XXXX of {$3300.00} and returned the same day, on XXXX of {$4800.00} and returned on the same day. See attached statements. {$10000.00} of bogus payments within two month ON JUST ONE OF THE CARDS and not do anything???????!!!!!! Two months of FRAUD returned payments and they didnt contact me??!! XXXX XXXX should have been alerted on XXXX and contacted me then. I had asked for the payment methods used to make the fraudulent payments and XXXX XXXX denied the request. XXXX of fraud payments in two months ON JUST ONE OF THE CARDS and then cancel an account????!!! I should have been contacted at the least and especially for the over-the-limit transactions. But XXXX XXXX did nothing and sees no fraud?? I had good credit and was faithfully making my payments because I didnt have {$10000.00} laying around to pay it off. Now XXXX XXXX holds me responsible because they dont have a modern system to alert them. To exacerbate the problem, XXXX XXXX concluded the fraud investigation after closing the account, after charging off, after selling debt of one card AND THEN LOWERED THE AMOUNT DUE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to fix the issues about the inaccurate information for the Repossession reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Repossession : XXXX XXXX XXXX XXXX Balance : {$7900.00}
Product: Checking or savings account

on XX/XX/2022 I used my Chase personal checking account card to make 2 {$500.00} payments through the XXXX XXXX in the total amount of {$1000.00} to XXXX XXXX the owner of XXXX, XXXX. She does XXXX XXXX services and I was paying for the service. The first payment of {$500.00} went through to her bank which she confirmed that she received and accepted the payment. The second {$500.00} payment that I sent out to XXXX did not go through and it was flagged by Chase bank as a fraudulent transaction. I reached out to Chase bank to complain about the transaction that did not go through and they temporarily gave me my {$500.00} back. Ten days later they wrote me saying they reversed the payment and took the money back. I am upset not only did they deny my transactions but I never received a the full product/service that i wanted from XXXX, XXXX and when I reached out to the owner XXXX refused to give me the product or a refund. This caused problems between myself and her because I took a chance at sending this lady the money and I barely know her. I am writing to you because I want a full refund of {$500.00} from Chase bank for this inconvenience. thank you
Product: Credit card

On XX/XX/23 I used a Barclays Priceline Visa to purchase round trip tickets to XXXX AL. En route was XXXX XXXX, return was XXXX. I paid and have the receipt. XXXX XXXX added independently ( XXXX has no record ) a charge of XXXX. I brought a fraud dispute with XXXX and Barclays, sent evidence, and they told me to call an XXXX XXXX XXXX # about a flight I did not take or book. I contacted XXXX Office of the President and Barclays Board members when staff did not investigate a charge I never made or authorized. I feel the Barclays credit card is letting fraudulent transactions stand to its benefit and the detriment of an average customer. It is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. My vehicle was hit in XXXX XXXX, 2020 and declared at first " Total Loss '' by the hitter 's insurance company, XXXX XXXX. However, I and the insurance company agreed later that my car could be fully saved after repair simply because the damage occurred to trunk only and the mechanical function was never affected by this accident. Therefore, the insurance company paid all repairing cost and the repair was completely done in XXXX. I also achieved the certificate of no mechanical error from the California State government-designated mechanics. 

2. I contacted the California DMV to renew the registration in May, but they said my car was still in salvage status that the Hyundai Motor Finance ( HMF ), the lender for my vehicle, should cancel salvage. The DMV also wanted me to bring a copy of title or lien. 

3. From XXXX, I have contacted HMF and they did not know how to handle this request from DMV. Their insufficient understanding of job knowledge dragged this problem until XXXX. Finally they wanted to receive the cancelation notice of total loss from the insurance company, XXXX XXXX and so XXXX emailed this notice to HMF 's total loss department on XXXX, 2020. Despite numerous contacts with HMF 's customer service which has required 30 to 90 minutes each time, they answered their computer did not show the receipt of notice and so wanted again another email from insurance co. The insurance company again sent an email to total loss dept. of HMF on XXXX XXXX. The insurance company always forwarded me their emails. 

4.Since XXXX XXXX, I have contacted the customer service five times to check if their total loss dept. received the notice from insurance co. However the customer service staff and their supervisor as well again did not know what was going on with their total loss dept. saying apology and asking to wait one or three days or a week. On XXXX XXXX, the supervisor, XXXX, wanted the insurance co. to fax the cancelation notice to their total loss dept. I repeated this ridiculous action asking the insurance co.to send again notice by fax. 

5. Due to failure to respond this simple request on time, the Cal DMV accrued the penalty. And I even was not able to drive this car since XXXX. 
That's why I sincerely look forward to the CFPB 's help in dropping the salvage and covering the loss of my time and DMV 's penalty by Hyundai Motor Finance. 
Thanks you.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$32000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$5500.00}
Product: Credit reporting or other personal consumer reports

TO MY UNDERSTANDING THERE WERE MULTIPLE ATTEMPTS TO DISCOVER THE ACCURACY OF ACCOUNT # XXXX ( XXXX XXXX ) RENTAL AGREEMENT. BUT THE PAYMENT HISTORY AND DATES ON THE ACCOUNT STILL DONT SEEM TO MATCH ON ALL THREE CREDIT AGENCIES. ALLOW ALL LATE PAYMENTS TO MATCH ON EACH CREDIT REPORTING SITE, IF THERE HAPPENS TO BE ANY. THIS IS NOW A THIRD ATTEMPT TO HAVE AN ACCURATE CREDIT REPORT. PLEASE REMOVE THIS ACCOUNT IF MY WISHES CAN NOT BE GRANTED. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes.
Product: Payday loan, title loan, or personal loan

Ive been disputing with credit acceptance for years now. Now my account is supposed to be closed and they will not remove the account off my credit. I was told by previous reps that once the account is paid off or have no balance it will be removed. Now that they agree to close the account they are not removing it off my accounts. For years they have been reporting inaccurate information and Ive been disputing it. They recently said they closed the account and the status should change they also say I dont owe anything. This information has been damaging to me I couldnt get another vehicle nor a home due to the reporting of repossessions which in fact it was repo XX/XX/XXXX. They reported repossessions each year each month on my payment history after they sold the vehicle. Ive asked for it to be corrected and removed over the phone just recently. They dont want to do either. I believe they willingly and knowingly know that they have been reporting incorrect information on my report they just dont want to fix it at all. I spoke with a representative XX/XX/XXXX who told me they dont have to remove the account off the credit seeing that I dont owe them. Even through the FDCRA you can modified, delete or permanently block this information they said they dont have to remove it. They also willing and knowingly reported false information which caused damage to my credit report. Which under the 15 U.S.C 1681-2 1 ( a ) 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. ( b2 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if
Product: Credit card or prepaid card

I applied for the Citi Advantage Platinum Select World Elite Mastercard and was approved on XX/XX/2021. 

In order to receive the XXXX XXXX XXXX miles it was stipulated that you had to charge {$2500.00} in 3 months. 

Its XX/XX/XXXX and I still do not have the card and thus have NO opportunity to begin using it. So I called Citi Group earlier today and was told that the card would be delivered 10-13 business days from approval. I was told the period for the XXXX XXXX miles bonus began on XX/XX/XXXX and ends XX/XX/XXXX. 

So Im calling foul. Nothing in the XXXX & XXXX I pulled from the Citi website indicate when the period begins. Citi can delay the delivery of the card as long as it likes. 

To me this is clearly deceptive and predatory. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, TX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Contacted fraud rep stated that no matter if they were not mine they dont remove even if fraud XXXX XXXX XXXXXXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX - XXXX SERVICES XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX  XXXX XXXX Reported XX/XX/XXXX XXXX  XXXX Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX HARD Reported XX/XX/XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX HARD Reported XXXX XXXX, XXXX XXXX CARD Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX SXXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX CARD XXXX  Reported XX/XX/XXXX XXXX  XXXX XXXX XPN Reported XX/XX/XXXX XXXX CARD XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX CARDS XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX, XXXX XXXX XPN Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan last year through a company called XXXX ( loan originator ). The name of the loan was a " Borrow and Grow '' plan. The way the account worked is that once I paid the loan off in full, Iwas to receive my savings account balance upon payoff which as of today is {$1800.00}. XXXX sold my loan to SST in XX/XX/XXXX, and SST became the new servicer of my loan. I paid SST in full on XX/XX/XXXX via ACH debit in the amount of {$2700.00}, this payment paid off my loan. So about 3-5 days later I called SST to request that SST release my savings account funds. The rep took all of my information including checking account number, and routing number and told me that within 10-15 days I should receive an ACH deposit of my savings funds which is being held by a bank in New Jersey called XXXX XXXX XXXX . The deposit has not happened, so I called a couple more timesand was told that it could take up to 21 days and I should receive the funds soon. Well I have not received anything. When I call I can't speak to anyone in the United States. I have to speak tooverseas call center reps that don't even work for SST and a supervisor is never available. I want XXXX XXXXXXXX XXXX to release my savings funds.
Product: Credit reporting

Equifax has erroneously changed the status of my XXXX XXXX XXXX account to " late ''. This account was paid in full and was reported as such on all XXXX reports. Upon a credit pull today I see this status has been changed. This account was paid IN FULL.
Product: Student loan

On XX/XX/2022 U.S. DEPARTMENT OF EDUCATION/NELNET received an EFT/ACH payment . Confirmation Number was received and confirmed on date, XX/XX/2022, of respective payment was made to the U.S. DEPARTMENT OF EDUCATION/NELNET in the amount of {$16000.00}. Furthermore, U.S. DEPARTMENT OF EDUCATION/NELNET used my open ended credit plan in accordance to 16 C.F.R. 433.3 ( b ) ( 2 ) to furnish this account which furthermore proves they did not extend credit to me in regard to this alleged debt. Notice it is fact that I, the affiant am aware that the false character of the amount in debt is a violation of U.S Code 1692e ( 2 ) ( a ). Affiant has proof of this violation as the U.S. DEPARTMENT OF EDUCATION/NELNET alleges I owe a debt, yet the account shows the billing in a positive amount. How can I pay into an account which is already positive? Pursuant 18 U.S. Code 8 Obligation or other security of the United States.

Notice in fact that affiant is aware that all obligations of debt is the responsibility of the United States. 

Please adjust this account to a XXXX balance with an alleged debt, If you can not provide all documentary evidence requested.
Product: Debt collection

I was contacted by Reliant Capitol solutions on XX/XX/2022 in regards to a community tax debt that is owed. The collector opened the call by threatening enforcement in his opening sentence. I at this time asked if he was a third party collector or worked for attorney generals office who was using to say enforcements through. He stated he worked for third party collection agency and not directly for community or attorney general so he did not follow any verification procedures or give me mini XXXX before disclosing debt.
Product: Checking or savings account

On XX/XX/2020 I received a call from my Citibank ( XXXX XXXX Branch ) relationship manager Mr. XXXX XXXX that there were some KYC questions that he wanted me to answer. 

I answered those questions and Mr. XXXX informed me that the would make the necessary changes at his end. 

Later on XX/XX/2020 I tried to make a withdrawal from my Checking account with Citibank using my ATM/Debit Card but was denied. I contacted Customer Service at Citibank and learned that a " Block '' had been put on my account by Mr. XXXX. The customer service agent informed me that they had sent Mr. XXXX an email about this. 

On XX/XX/2020 in the morning, Mr. XXXX called me to let me know that he would have the " Block '' removed by the end of the day. In the evening, however, when I tried making a withdrawal, I was once again denied. I was also informed by a vendor that a check I had issued to them last week had been returned. 

The following are the bank 's details : Citibank XXXX XXXX Branch XXXX XXXX XXXX XXXX XXXX, NY XXXX Relationship Manager : Mr. XXXX XXXX Tel : XXXX
Product: Credit reporting or other personal consumer reports

I got an alert from credit monitoring that items had posted to my report when I checked I noticed XXXX unfamiliar companies with accounts posted. I contacted both companies asked them to validate their claim which they have yet to do still the consumer reporting agency unlawfully reporting these accounts. 
SEE ATTACHMENT
Product: Credit card or prepaid card

Scammed with Google Play Cards of {$6000.00} Alias name of U.S. Marshal/Immigration
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Mortgage

i had a loan modification with Flagstar bank and then they sold my mortgage to XXXX XXXX! I'm in a bankruptcy XXXX and still struggling a little to get on track with garnishment. my complaint is Flagstar failed to pass along all my paperwork nor relay all 9nformstion to new servicer before they purchased the loan. Now, I CAN NOT get loan modification with new servicer and the paperwork is all crossed. I'm upset because Flagstar should've done a better job of relaying ALL the info now i have to figure out how to get some assistance to keep my family inherited home! 
This home was built in XXXX  and its more sentimental to me than it will ever be for Flagstar or XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX loan is reported as closed and paid 30+ days late. 
-The monthly payment history shows that no payments were made late. 
-The account was paid off early. 
-Transunion dispute # XXXX resulted in confirming the incorrect information was correct. 

This account should show as closed and paid on time.