23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for two, Private Student Loans with XXXX using a co-signer. XXXX was selected because they offered a co-signer release after 24 months of on time payments, which I even made during my school years ( I currently have a long time steady job ). XXXX eventually sold the loans to AES. As of this date, I have made FOUR years of on time payments on Loan # 1 and 2.9 years on Loan # 2. For the past 2 years, I have attempted to release my co signer on three attempts with negative results. During these processes, AES has requested more and more information - all which was what provided - to finally forward the information to XXXX, the former owner of the loan, who ultimately denied the request due to date of application being signed over 60 days. Another application was submitted with a quick DENIED. 
AES Customer Services representatives all have different answers and some cant even provide resolutions. AES agreed that they bought the loan from XXXX and own it however are not allowed to remove the co-signer and said everything had to go through XXXX XXXX. My co signer went to XXXX XXXX in XXXX CA in person and spoke to XXXX XXXX, a banking officer, who was also given the run-around by XXXX student loans. Our information was not in their system because they sold the loan to AES and we were told to direct our questions to AES - which didnt make sense because I received correspondence from XXXX during the XX/XX/XXXX co signer release application! 
After receiving a non-descript denial notice in XX/XX/XXXX, XXXX eventually informed me that a third party, XXXX XXXX XXXX, denied the request due to credit. XXXX? The AES agent, XXXX # XXXX, did not provide any additional information other than XXXX didnt feel I could make the payments. Even after FOUR YEARS of on-time payments and having a long-time steady job? How is XXXX, a third party, involved in the final say when XXXX via AES advertised a co signer release after 24 months of on time payments? When asking AES agent in XX/XX/XXXX ( XXXX, employee number XXXX ) for more information, she told me to fax AES a letter requesting XXXX the credit score requirements to release the co signer. However a subsequent phone call to AES agent XXXX # XXXX, said I was not able to do such a thing and didnt have any contact information for XXXX. I called XXXX via a XXXX search, and was told to direct my questions to AES as they were the service provider. 

Bottom line, I established a contract with XXXX based on the co signer release incentive. The loan was transferred to AES with the same agreement, and NO other stipulations. After making the double the aforementioned agreement, AES has not released my co signer and continues to give me double-speak and not fulfilling the agreement. I am requesting my co signer be released as I have kept my side of the agreement per the initial student loan conditions.
Product: Debt collection

Loan shows it was taking out in XXXX. Reported on my credit XX/XX/XXXX as an open loan. The loan was apparently closed in XXXX. Advance Finacial 24/7 says loan amount was for XXXX $ Reported debt on my credit for XXXX $ Never received any notices from the company, nor any letters from a debt collection agency addressing this debt. Never had a chance to dispute this debt as being in correct. This randomly popped up on my credit report as of XX/XX/XXXX.
Product: Mortgage

Have not been late on the account since XX/XX/2013 yet XXXX XXXX XXXX is still reporting late payments. Used a credit repair services, which did help in removing many false line items on my credit reports. However, unsuccessful in removing or changing derogatory items from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Date XX/XX/2024 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name And Addresses XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I applied for the XXXX XXXX XXXX XXXX XXXX XXXX offer that was found on the XXXX website. The offer for the card was as follows : " You will qualify for a {$100.00} statement credit if you use your new credit card account to make any combination of purchase transactions totaling at least {$2000.00} ( exclusive of any fees, including the annual fee, returns and adjustments ) that post to your account within 90 days of the account open date. '' After reaching the spending threshold of {$2000.00} spent, I have NOT received the {$100.00} statement credit. 

On XX/XX/2022, I messaged Bank of America about the {$100.00} statement credit. The chat agent XXXX said that I qualify for the credit and that it should post automatically. She stated that if it doesn't post automatically to contact Bank of America. 

On XX/XX/2022, I messaged Bank XXXX American again in regard to the {$100.00} statement credit. The agent XXXX opened a case number for me in regard to the statement credit. The case number was XXXX. 

On XX/XX/2022, I called Bank of America. The agent told me that my case was rejected to so asked to be transferred to a supervisor. The supervisor told me that he would reopen the case and resubmit it.
Product: Credit card or prepaid card

I noticed that there were charges from XXXX XXXX that were supposed to be refunded as I returned all the products in store, and then they shipped two items which I never received and they were supposed to refund. I showed all my proof showing it was refunded on the site but it never was on my card and they said the charges were right. So Im extremely upset that they never refunded me even though I returned the products and Ive seen countless complaints towards XXXX XXXX about them not actually refunding and now Im out of money because Discover didnt even look at my uploaded documents.
Product: Vehicle loan or lease

On XX/XX/2023 i mailed Notice of Subrogation seperating the living man, XXXX XXXX XXXX, from the DEBTOR, XXXX XXXX XXXX, Therefore making the living man NOT responsible for the alleged DEBT. XXXX XXXX a Executive for Capital One received my documentation. XXXX XXXX never responded, so my contracts stands as a legal contract. Secondly, I was tricked into thinking i was getting a loan. I never received a check for {$24000.00}, therefore there is no DEBT. When I inked my signature on the security agreement it gave it value and paid in full for the value of goods received. Around XX/XX/2023, i called and requested 2 months be deferred to the back end of loan, they denied me. A few days later i called to make payment arrangements and was denied because i refused to give my banking information. I then requested a complete copy of the contract, the copy with my wet ink signature. I stated if they can not produce the original wet inked contract then it is voided. I paid the account off in full on XXXX of XXXX. Confirmation No. XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute from a debt with XXXX XXXX XXXX with all 3 credit bureaus. The problem wasn't resolved my issues I have misleading information been reported to all credit bureaus. I spoke with XXXX at extension # XXXX on XX/XX/2021 approximately XXXX who advised me that XXXX does not report anything once a loan is closed or payed off which leaves me to believe the credit bureaus are receiving inaccurate information from a third party which violates my rights. I'm also having the same problem with a chapter XXXX bankruptcy on my credit file. It states US bankruptcy court in XXXX is reporting this information which is incorrect and inaccurate. I spoke with agent at bankruptcy court who advised they do not report to any credit bureaus.So, my information is been sold by a third party which is misleading and inaccurate information. Please! Delete from all 3 credit files. Thanks
Product: Credit reporting or other personal consumer reports

I have XXXX inquiry in my experian credit report from XXXX made on XX/XX/XXXX, i have never authorized this. 

Several credit inquiries in XXXX and XXXX that I have NOT authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I requested that XXXX terminate authority. For some reason, the billing representative said that the account was charged off. It is not charged off so I am not sure I the representative kept confirming this. I need for the collection accounts to be removed from XXXX, XXXX and XXXX. I never had any communication with this company any dispute that it has authority to act as a first-party when I the account is paid for. I need for the company to desist any collection activity related to my telecommunication account with a different company and negatively impacting my personal credit report. I will not hesitate to bring legal action for Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been used by people or persons unknown to me, this assumption comes from items on my credit report unknown to me. I was shocked to see these accounts and demanding that someone his explain this to me or please remove them immediately. I would like to see exactly what was used to get these in my name. Please block these unauthorized accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX {$4000.00} 3 ) XXXX XXXX   {$820.00} 4 ) XXXX XXXX XXXX {$570.00} 5 ) XXXX XXXX XXXX XXXX   {$330.00} 6 ) XXXX XXXX XXXX  {$85.00} 7 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXX XXXX XXXX XXXX used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX XXXX XXXX XXXX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit reporting or other personal consumer reports

I was trying to get some information on what I was paying, why, and the payoff amount for this loan. When I could not get any information due to the fact that the company XXXX could not verify who I was. I called in for over a month trying to get this issue cleared up only to be put on hold and later hung up on. Finally I got a call from a manager that explain that my birthday had been put in the system incorrectly, and did not match the record that XXXX had on file. I was told this issue was contributed to when the account was open, but I know that not to be true due to the fact I have called in and spoke in reference this account before this issue occurred. Soon a this issue was corrected in reference the incorrect information, I called in and made the payment that very same day I was promise a copy of the incident for my record which I spent even more time and phone calls to Citizens before I receive the statement. Then I received a notification stating that the payment was 30 days late from Experian Credit Report. I want this account removed from my credit reports due to the fact that I do not trust this company or how the do business, or at very lease changed to paid as agreed due to the fact that their system was incorrect and not allowing me access. I will be uploading a letter from the Office of the Chairman. Thanks for taking the time to review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX  XXXX {$500.00} XXXX XXXX  XXXX {$660.00} XXXX XXXX XXXX {$1200.00}
Product: Credit card or prepaid card

I received an unsolicited credit card in the mail from " NetSpend All-Access ''. I received this during the week of XX/XX/2022. I never requested or applied for this card and I have never had any type of interaction with this company. The card I received in the mail appears to be a fully-functional XXXX credit card with my full name, credit card number, expiration date, swipe reader strip, and 3-digit security code. The credit card also came with a corresponding bank account number and routing number. 
If anyone were to get hold of this card, say, from the trash or a mistaken mail delivery, they would now have a credit card and/or bank account associated with me along with full instructions on how to activate it. 
It is my understanding that sending unsolicited credit cards is illegal and I would like to file a formal complaint against this company for this behavior. 
I have not attempted to directly engage this company. Since I have never had any dealings with this " NetSpend '' entity, nor have I ever heard of them, I am worried that attempting to contact them would allow them to gather more information about me to either sell to other unscrupulous firms or embolden them to continue their undesirable behavior.
Product: Credit reporting or other personal consumer reports

Just checking in about the issue I had with my identity being stolen. I wanted to mention something called FCRA Section 605B, which is part of 15 U.S.C. 1681c-1. This section basically says that Credit Reporting Agencies have to get rid of and prevent the inclusion of any stuff that's in an identity theft report. I've sent over some documents to help out with blocking and removing those inquiries that popped up on my credit report. Below is a list of those unauthorized inquiries that showed up in my credit history : EXPERIAN : 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

I have a Barclays credit card account. Barclays is not sharing my account information with XXXX. I already tried resolving the issue with XXXX. XXXX sent me a letter that I need to contact Barclays because they are not sharing/reporting my credit card account information with XXXX. 

My Barclays Credit card account does not show on my credit report with XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v.
Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following XXXX included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the items below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # 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 finish a account without my written instructions
Product: Credit card

See the attached documents. I request the bureau to commence an investigation into these accounts that, despite my timely payments, are incorrectly reflecting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is a auto refinance company online which offers auto refinance service. They advertise that you can apply with no impact to your credit score. I filled out t he online form ( nowhere does it authorize a hard inquiry unless you move forward and accept their proposed loan terms ). Someone from their office contacted me and offered an absurd rate. I told them no thank you and to close out my request for information. AFTER I requested that, they then did a hard pull on my credit file, negatively impacting my score. I never authorized the hard pull and it should be removed from my file. They don't respond to request, as they're clearly some shady fly-by-night company. 

XXXX/XXXX  XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX The above is the information as it appears on my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies. According to 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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.

I am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed.

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per 15 U.S. Code 1681c-2, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed are as follows : LATE PAYMENTS : XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  XXXX UNAUTHORIZED INQUIRY : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Also, the correct year of birth listed should be : XX/XX/XXXX Also, the ONLY address that should be listed is : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, South Carolina XXXX The ONLY name listed should be : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not delete a 10 yr old account from my credit report. Its been delinquent since XX/XX/XXXX and and they will not make XXXX the creditor show the correct information showing the entire delinquency nor remove the account which was delinquent each year from XXXX and every single year stayed delinquent since then. Further more XXXX  states loan was XXXX payments XXXX a month but a balance still due off over 14,000. This backs up the fact the account was delinquent the entire life of the loan and was repoed yearly. The account was never current n again. Being 10 yr old account should be removed. Especially since XXXX agreed to remove previously