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

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) 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 as a result of the failure or {$1000.00}, whichever is greater ;
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file I have noticed that there are 5 inaccurate fraud accounts listed onto my credit file. I have initiated one dispute yet you still have failed to remove from the credit file you maintain under my name and social. I have enclosed my FTC Identity Theft Report, proof of my identity. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I have also contacted all 5 companies yet they have failed to validate any of these alleged accounts so how in the heck are they verifying them with you. Please remove these accounts immediately.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XX/XX/XXXX I made a purchase utilizating Sezzle 's buy now pay later service. There were issues repaying the loan one-time ( one week after purchasing ) so I returned the goods to the store I purchased them from whom in turn credited Sezzle. As a result, my balance with Sezzle should have been {$0.00} yet they continued to deduct from my checking account. I notified Sezzle of their error but they continued to attempt ACH withdrawals from my account. On XX/XX/year> I sent a cease and desist to Sezzle demanding they immediately stop ACH withdrawals and to this day they have not honored the multiple cease and desist letters I have sent in writing. They stated and I quote " will not honor my cease and desist until I sign their agreement claiming I still owe '' even though I owe them XXXX. I have notifications that they have attempted over XXXX ACH withdrawals from my account since receiving the cease and desist and attempt multiple times a day as recently as yesterday ( XX/XX/year> ).
Product: Consumer Loan

I signed for a 4 year auto loan in XXXX 2014 with an interest rate of 23.99. My monthly payments were {$360.00}, however recently for the past 6 months my payments jumped to {$390.00}. I have NEVER missed a payment or have I ever been late. I do not understand their explanation as to why my payments went up, even though I have full coverage insurance they are still charging g me their insurance fees. I 'm very confused and want my case looked at.
Product: Debt collection

I sent a police report to Citibank over unauthorized use. This is still showing up on my credit report after years, and they have sent it to collections. I sent them proof of all of the charges that were not mine before they ever sent it to collections.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Mortgage

An old Home Equity Line of credit that I closed at Bank of America in 2008 was suddenly reopened without my permission about a year ago. When I called the bank and informed them of what appears to be unscrupulous sales practices, they claimed it was never closed and I would need to send the {$10.00} to close it.
Product: Credit reporting or other personal consumer reports

After multiple attempts Ive tried to dispute all inaccuracies on my consumer report. I have never been evicted from any residence. I filed a complaint before and Transunion stated nothing generates. However, a company I applied for stated they use Transunion XXXX XXXX. I am requesting a hard copy of my report. In addition, if any evictions and or past due balances appear on my report I would like them disputed.
Product: Student loan

Can not afford monthly payments and XXXXNavient refuses to give me any other option then {$260.00} a month for 5 years. I took out a loan for {$8000.00}, I have a total of Over {$150000.00} in student loans. The payment is unreasonable for the amount of student debt I have. My cosigner is XXXX XXXX XXXX and on social security along with living in subsided housing and they call her repeatly, scaring her because she doesnt understand the process. They call her everyday telling her that I refuse to talk to them when I actually have tried multiple times to make arrangements, recently I made the arrangement of {$260.00} a month just so they would stop calling and harrassing my XXXX XXXX XXXX Grandma.
Product: Credit card

I received my Citi XXXX XXXX credit card in the mail today. When I tried activating it, I received an error message that the information I entered didnt match their records. My account was then blocked ( including the Citi app on my phone ). I was told to call a telephone number which led me to their fraud department. 
A representative I spoke with asked for my security code. I provided it to her and she confirmed that it was correct. However, this was not sufficient for her. She told me they needed to also verify in other ways. They said they needed to send me a verification code, but not to my cell, to my wifes. When I told them her full name, they said that wouldnt work because she had a different last name from me. 
The representative then asked me if I had any other credit cards. I said I did, and she asked me to provide the actual credit card numbers to her. I refused to do so and became highly alarmed that I would be asked for such information. 
Based on my online research, many other people have been experiencing this type of nonsensical, radical fraud prevention measures from Citi. 
Please help.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX and XXXX has been reporting improperly which is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allegedly conducted an investigation into my balance with   XXXX   XXXX   XXXX   however, they are still reporting incorrect information.  In fact,   XXXX   XXXX   XXXX   provided documentation illustrating that the account is paid in full.
Product: Debt collection

Had XXXX  work XX/XX/16. XXXX office did not bill the correct amount and turned over to collections, which then was sent to a lawyer. When I sent a letter full of question about the debt, Law firm/XXXX did not send me the proper documation proving the debt. All I got were credit card receipts showing the incorrect amount. Law Firs/XXXX needs to send me all the transaction including how the insurance was billed and for what amount so I can make a decision on how to proceed. 
So many companies debt collectors seem to be half-doing what is required by law. XXXX XXXX XXXX is one of these and are not exempt from the law.
Product: Debt collection

I noticed a debt pop up on my credit report XX/XX/XXXX that didnt belong to me. I called the debt collector and they told me that this is a debt from XXXX about a medical debt. This debt if not mine.
Product: Mortgage

IMMEDIATE ACTION REQUIRED : Consumer Complaint against Valon Mortgage Company for Failure to Provide Timely Hazard Insurance Coverage and Breach of Mortgage Agreement
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( DEPTEDNELNET - XXXX, DEPTEDNELNET - XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) 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. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 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 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. ''
Product: Credit card or prepaid card

Using my open end consumer credit plan, extending credit to receive a XXXX Visa Credit card. i noticed on my consumer report that it was recently closed without written explanation or disclosure. They may not restrict or close my account see 15 usc 1666 ( d ). This is unfair to me because they failed to transmit the statement required under section 1637 ( b ). Billing error was noticed on the credit balance showing a excess of {$1.00} so i called the number listed to ask if the credit balance excess {$1.00} and they said yes the balance is {$1600.00} see 15 usc 1666d treatment of credit balance i requested that any amounts held on my behalf be credit to the account. I spoke with Account Manager desk number - XXXX, she told me that they can close my open end consumer credit plan at anytime. Even though i never received the required statement or correct explanation. This is unfair and a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  Balance : {$220.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$52.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$2200.00}.
Product: Money transfer, virtual currency, or money service

THIS IS NOT A DUPLICATE COMPLAINT!! YOUR COMPANY HAS COMMITTED CRIMINAL INDIVIDUAL ACTIONS WILLINGLY AND KNOWINGLY. Yes, I entered a consumer transaction with this Company. However, when my hardship occurred, I have learned that fraud has been committed against me. In the false and deceptive form that I was aggrieved in, I was not offered Insurance with my Finance Charge in clear violation on 15 USC 1605a ( c ). Your company is in violation of breaking a number of consumer protection laws, including but not limited to : 15 USC 1635 - Right of Recession ( this was not included in my contract ) Pursuant to 15 USC 6802b ( 1 ), A financial institution may not disclose non public personal information to a non affiliated third party ( which are the bureaus, they are non affiliated third parties ) unless -- Pursuant to 15 USC 6802b ( 1 ) a, b, c such financial institution clearly and conspicuously discloses to the consumer, in writing in electronic form or other form permitted by the regulations described under section 6804 of this title, that such information not be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to DIRECT SUCH INFORMATION ; NOT BE DISCLOSED to such third party ; and ( C ) the consumer is given an explanation of how the consumer can EXERCISE THAT NONDISCLOSURE OPTION. Your company never disclosed to me this information or gave me my explanation of how I can exercise my nondisclosure option which is my right by law to not have this reported. Any transaction involving a finance charge is the sum of all charges pursuant to 15 USC 1605a and federal law states that insurance is supposed to be included in the finance charge, 15 USC 1605c and my finance charge didn't include insurance or give me the right to include it. Making this a fraudulent contract. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. Making the RETAIL INSTALLMENT CONTRACT ACCOUNT between BUYER XXXX XXXX and XXXX your company is in so many violations of the TRUTH IN LENDING ACT as well as CONSUMER FINANCIAL BUREAU , which means I XXXX XXXX XXXX XXXX to rescinding the contract.
Product: Credit card

I am new customer to Truist bank, since i opened this account, it has been truly a nightmare. I was approved for two different card that were sent out to my current address that was also listed on the application when i received the card i was unable to use them due to the cards being linked to an old address from over 10years ago, so i went through a fraud questionnaire with multiple agents then the cards were unlocked i asked to have all other addresses removed other thank the current one where the card were sent to and i was told they were removed as i went to make a purchase a month later the card were so how locked again and all information was back to my old address, once that was fixed ... ..3months later i went to redeem my rewards on XX/XX/XXXX through the app requested to have a check sent out email provided me with a processing # and said tht check going to be sent within 10 day but allow up to 3 additional weeks, so i waited a month never received anything so i decided to call and i was told they never even processed the check and they will be opening a ticket to have one sent out to me and to allow another 5-7 day before a receive it so a week went by still no check called again spoke to 2 other reps on two different day and was told the ticket was still in processing so i ask to speak to a supervisor they told me the same thing so i waited another week to called and this i spoke to a supervisor and i was told they sent a check out on XX/XX/XXXX after i redeemed the chk and they couldn't send another out until they get info on the first check and she told me she would f/w once she have an update that never ... .. SOOO i reached out to to them today to get an update myself and i was told they couldn't help me because I closed my account which i never did and they couldn't tell how the account was closed. So, i am not quite sure if i will ever see my rewards or received information on who actually closed out my account without my permission this is illegal, and this company need looked into IMMEDIATELY!! I am also requesting that the company pay me for my time spent as well as the pain and suffering they have cause me
Product: Debt collection

I received a call from XXXX from Central Portfolio Central on Monday, XX/XX/2019 at XXXX and he left me a voice message on my work voice message. I promptly returned the call at XXXX to XXXX / XXXX and spoke with XXXX . XXXX stated their was a {$26000.00} judgement against me and I advised I do not know anything about it. I never received communication regarding the debt or was notifed of a court date. I do not have any past due debt that I'm aware of. I advised XXXX not to call my work number again and he smartly stated I said that three times already and started to laugh. He went on to say they will garnish my wages. I ended the call since I was at work. I called back today to XXXX and left voice message to send me a copy of the judgement against me to my email account. I will fight this judgement since I didn't get a fair chance to attend the court date. This was my very first communication regarding this matter. This is not right, they shouldn't be able to scare you over the phone when you are in the dark and clueless what they are talking about, Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have had multiple charges from the same company occur on my credit card billing statements. The company is XXXX XXXX which I have never used in the past. The charges are for different amounts and theres one almost every month. Bank of America only shows two different claims although Ive called at least six times, for multiple different charges. All the other charges have been deemed as fraud, until the last charge. They are stating because Ive had other charges from XXXX XXXX that they will not consider this fraud even though the past charges from XXXX were considered fraud. I finally had to close down this credit card because the amount of fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from XXXX on XXXX XXXXXXXX. I was told that {$1000.00} cash deposit down was required in order for credit through XXXX XXXX XXXX to be extended to me. This violates 15 U.S. Code 1662 ( 2 ). I was then notified that I needed car insurance in order to leave lot. Pursuant to 15 U.S. Code 1605 ( a ) ( c ) insurance was supposed to be included in the finance charge which it was not. At this current time, I am still paying a monthly premium for car insurance. I believe that XXXX XXXX XXXX along with XXXX is in violation of 15 U.S. Code 1692 ( e ). There was also several late payments that are reporting on my credit as result of me losing my job as a result of XXXX from XXXX- through XX/XX/2020. I contacted XXXX XXXX XXXX to remove these late payments and they have refused. Pursuant to 15 U.S. Code 1666b, creditors may not report late payments. XXXX XXXX has made several phone calls and even text me at inconvenient hours to demand payment when I am even 1 day late on a payment. As stated in 15 U.S. Code1692 this is illegal. and sent Lastly, my personal information is being is being reported to several non affiliated 3rd party consumer reporting agencies. This is a clear violation of 15 U.S. Code 6802a. These current events are causing me extreme anxiety, sadness and stress, as I am being repeatedly denied credit stating that I have unsatisfactory payment history as a result from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recognized that XXXX XXXX submitted unauthorized inquiries my credit for finance 16 times on XX/XX/2018. 

Chase Auto Finance was one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manger. 
I spoke with XXXX on three occasions and asked that XXXX XXXX remove the inquiries. 
I Contacted Chase Auto finance. 
They refused. 
It was very unfair that they did that. It lowered my credit score by 200 points.