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

We have incorrect information being reported to the insurance companies by LexisNexis. 

This has caused a denial of coverage and an increase of over 300 $ per month in our current insurance premiums. 

It was reported that my husband was at fault for an auto accident that took place in XXXX of XXXX. This information is INCORRECT!! 

My husband was rear ended by a company vehicle. The other driver was at fault. 

The report also lists that he was involved in 2 at fault accidents on the SAME day, in XX/XX/XXXX, this is incorrect! He shut the garage door on the trunk of the car and we filed a claim to fix the dent. There was no accident, it was a comprehensive claim only for damage caused by the garage door. 

I included a copy of the insurance denials and the reason, and also a copy of the claim paperwork from the insurance company that shows the at fault party being the other driver.
Product: Credit reporting or other personal consumer reports

15 USC 1602 ( g ) ( 2 ), There was no evidence of indebtedness, there was only an agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void. Please DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted many complaints to all credit Bureau to remove the following UNKNOWN/FRAUD inquiries with ZERO support and ASSISTANCE. They keep responding with the same automated response. These inquiries are HURTING my financial situation and must be deleted from all 3 Bureau 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE ALSO SENT MULTIPLE REQUESTS TO DELETE INNACURATE REPORTS WITH NO RESPONSE. All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! 

XXXX. ( XXXX  XXXX XXXX  XXXX XXXX Account # : XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 3. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 4. XXXX  XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 5. XXXX XXXX  ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 7XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 8. ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT
Product: Mortgage

This is a continuation of case # XXXX, which should have never been closed. 

LoanCare , LLC did call me in XX/XX/2021 as stated on the previous case and they did say they would send me my paperwork. They sent another incorrect package. 

Since then I have had several conversations with them, all customer service agents and their loss mitigation department have stated that my corrected documents are in the mail. 

They stated that my new payment would be due on XX/XX/2021 and the paper work would be sent out in a couple days. Well, 2 months and several phone calls and promises later, I still do not have the paperwork to remove my account from forebearance. 

They are deliberatley stalling so they can collect more money from the government funding during the Covid pandemic and not having any care that they are eating away at my equity that I had in my home by all thier delays. 

I want them fined and I want to be financially compesated for the delays that have decreased the amount of equity in my home. I want to be compensated for the over 40 hours of time I have spent on the phone with them trying to resolve this issue with them and their incompetent loss mitigation department. 

I HAVE BEEN ASKING SINCE XX/XX/2021 TO HAVE MY HOME REMOVED FROM FOREBEARANCE. THEY MUST BE VIOLATING FEDERAL REGULATIONS IN COLLECTING MONEY FOR MY LOAN FOR 6 MONTHS AFTER I ASKED THEM TO REMOVE THE FOREBEARANCE.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Debt collection

Account charged off. {$2600.00} written off. {$1900.00} past due as of XXXX  2024. 

This is not my debt. I never had a credit card with that much limit. This is a case of fraud or a mistake has happened
Product: Debt collection

Received website online " pop up ad '' promising to remove harmful personal content on the internet. XXXX XXXX XXXX was the internet " pop-up advertising. The pop-up generated an account XXXX that stated " XXXX XXXX XXXXXXXX, " will have earned its fee only upon a successful removal. '' XXXX practices deceptive online marketing practices there was absolutely no services of any kind rendered to the " USA Citizen Voting Consumer. '' There are three levels of corporations to make this online business potentially more predatory to XXXX searching consumers. First, Corporation : XXXX XXXX XXXX is an International Corporation operating outside the federal jurisdiction of the USA. XXXX XXXX XXXX, or XXXX ( XXXX ), is located at XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX. The Corporation, contracted by ( XXXX ) XXXX operating a minimum wage contracted " boiler room telemarketing center, '' calling themselves XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Third, Corporation is a high-pressure debt collection firm named Transworld System Inc XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Product: Money transfer, virtual currency, or money service

Scam regarding a purchase through PayPal. 

{$1200.00} from XXXX XXXX claiming this is due for unknown reason. Uses official logo and markings for PayPal. Came to an email with no relationship to PayPal. 

related email from scammer : XXXX Possibly : XXXX Date XXXXXXXX  the scam references : XXXX phone number : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). TransUnion is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt.

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( 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 ''. How is it possible that maximum accuracy is assured when the company is verifying erroneous information to the CRA through an XXXX, and hasn't provided you with proper validation of the debt? 

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I paid XXXX XXXX XXXX XXXX remaining balance later on they said I still owed them more money, I told then explained to them that I paid off my remaining balance. I have the emails from when I paid my bill online. They said the balance that was on there was not the correct. I have tried many times to tell them that no I had paid it off. They keep insisting that I have not. From then on they have charged me more interest.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a policy on my car for service in the amount of {$1300.00} for the duration of XXXX miles with Citi thank you preferred credit card. The merchant later did not honor their end of the deal therefore I disputed the charges in XX/XX/XXXX but Citi didn't resolve it claiming that they needed more info which I have no knowledge of and as I offered it for submission, she refused it on the basis she won't open it after 30 days dispute. Again in XX/XX/XXXX I disputed the same company for new issue due to not paying for their service as they promised. Citi for the second time unethically and unprofessionally lied about their dispute when I was told to submit my request in writing as well a copy of the bank statement with the {$1300.00} charges in XX/XX/XXXX, fully knowing that they will not even open dispute but they even went further to the extend of their lies to send me the copy of the bank statement so that I can included in the dispute, fully aware, it will be no dispute for this.It took almost 8 customer service and almost 3 month just to reach out to dispute department after submitting all info on line in a disputed email as requested.Today I checked the statues when I was told again that they can't do it and here is a {$100.00} courtesy ; while transferring me to Citi card extended warranty as they assured me is a better help for me on this matter who in return told me that my issue is a dispute one and again transferred me back to dispute department.The representative then told me that they have refunded me the {$1300.00} permanently and when I asked her but I am not seeing that on my statement because I was on line at the time looking at my bank statement, she assured me that was done the previous day XX/XX/XXXX and will show up on the statement in 24 hours ... ... ..liars flat out lies.Then I requested to speak with a dispute 's manger in which she transferred me to overseas customer service. Up to that point I was super mad with all the games and the run around with their full mouth lies fully knowing they have not even opened a case for dispute. Finally I was again transferred to a manger in USA who let me know that they can't have a dispute and there is no refund on my statement neither Citi extended warranty deal with that .... The whole time I wasted my energy and time while they are fully aware and kept on insulting me with their lies over and over giving me the run around that was no dispute ... ... .I am more complaining about the ethnicity of their conduct which misleads their customer like me and the untrustworthiness of their big fat lies, my financial loss and my emotional stress to deal with all this insults with poor professionalism ... it is chocking to see this coming out of a big company like Citi Bank XXXX
Product: Credit reporting or other personal consumer reports

Equifax continues to report false information on my credit report although a Police affidavit and dispute form was received. EQUIFAX responds by saying that the account is verified and will remain on file. I requested information that was used to verify the account but nothing was provided. I reached out to the creditor of the account and they provided their response. According to the creditor, because my social, XXXX, and name was entered correctly, the the account was correct and they will not accept my dispute as fraud regardless of the police affidavit stating that I was a victim of ID Theft. They provided the same information to me that they provided Equifax and CFPB, and none of it can show proof of ownership or purchases. The only thing that can be " verified '' is my person information and the fact that the account was used for a week and charged off a year later by providing billing statements.
Product: Credit reporting or other personal consumer reports

I request that TransUnion investigate these inquiries, as they were not authorized by me and appear to be the result of identity theft or fraudulent activity. In addition, I have enclosed a copy of my Fraud Alert/Identity Theft Report ( or any other supporting documentation ) for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Credit Card with XXXX XXXX XXXX. after nearly 2 years of on time payments i made a payment with a work account which they rejected. No big deal BEFORE the due date i made another payment and not only did they close my account they reported me late on the Credit Bureaus. The payment was made XX/XX/XXXX ironically i made the paymentXX/XX/XXXX and payment was not due until XX/XX/XXXX. You can never get anyone on the phone as my account has not been turned over to a " special deparment '' As i type this complaint i have been on hold for nearly 20 minutes trying to make a payment. Practices like this company go unchecked. They have committed an intentional crime not a mistake and i need help getting them to own " their '' mistake and correct my XXXX XXXX and Experian In conclusion i was just HUNG up on while waiting to make a payment.
Thank you
Product: Checking or savings account

Dear Truist Bank Customer Service Team, I write to express my profound distress and dissatisfaction with the resolution of my recent fraud claim. I have been a customer of Truist Bank, and on XX/XX/XXXX, I discovered a transaction withdrawing {$1200.00} from my account unauthorizedly. The transaction, associated with XXXX XXXX and conducted via XXXX XXXX in Florida, was neither initiated nor sanctioned by me, as my personal travel and transaction history can corroborate. 

Promptly after detecting the aberrant activity, I reported the situation to your customer service and complied entirely with the investigative procedures outlined by your fraud department. Unfortunately, despite proactively securing my account as prescribeddeactivating my card and resetting my credentialsmy initial claim was rejected based on a supposed 'history ' with XXXX XXXX, which should not negate the validity of a fraud claim. 

Unwilling to accept what I believed to be a precipitous judgment, I pursued further clarification by visiting a local branch. The branch representative kindly assisted me in reopening the claim and provided additional information evidencing the illegitimacy of the withdrawal. Yet again, after a mere XXXX days of deliberation, I was informed the decision to deny my claim would stand. 

The communication from XXXX XXXX mirrored the advice from your teamthey directed me to resolve the matter through my bank. My attempts to seek justification from the Truist fraud department were met with vague responses, leaving me without satisfactory explanations or recourse. 

This incident has left me unable to fulfill my financial obligations, such as paying rent, due to funds being withdrawn without any preemptive alerts from Truist Bank. The lack of communication and concrete reasoning behind the denial of my claim is troubling, especially when I relied on the belief that my assets were protected under your institution 's care. 

The principle of insured deposits is fundamental to banking security and customer confidence. However, in light of these events, I find myself questioning the safeguards supposedly afforded to me as a consumer. Such experiences erode the foundational trust we place in our financial institutions.
Product: Credit card or prepaid card

Executive Response Unit XXXX XXXX  XXXX XXXX XXXX, SD XXXX Dear Citi Bank, I'm writing and inquiring the recent closure of my Citi Bank Credit Cards. On XX/XX/2019 I found that all my Citi Bank Credit Cards were closed for unknown reasons. For your information, card # XXXX XXXX XXXX XXXX. 
I have been Citi Bank customers for over 10+ years and never made a late payment. My Credit Scores are 800+. I would like to understand the reasons that have triggered closure of all my credit cards. I believe this must have been mistake on Citi 's end, and would need Citi to rectify this error immediately.

I demand Citi to issue me all my un-redeem cash back immediately. I also request Citi to re-evaluate my closure. 
I thank you for your time and reconsideration and I hope to hear back from you soon. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. It lists the current creditor as XXXX XXXX and claims the balance is {$3000.00}. They advised me in this letter that a judgment was entered against me and has been placed for collections. They claim that I am being charged interest daily and I have 30 days to dispute this. I do not understand how a judgment was entered, without my knowledge of this. To my knowledge, I have not received written correspondence from this company or the original creditor regarding this debt or the alleged judgment. I am researching here in California about credit card debt, collections agencies, judgments as well as statute of limitations and XXXX. This has not appeared on my credit reports, that I am aware of. Am I disputing this? Absolutely I dispute this. I am unsure if I should call XXXX to ask for written correspondence about this debt, with the name, address and account number, along with the name of the courthouse and Judge that issued the judgment. I understand that predatory lenders may try to trap you or get you to say things and I hesitate to call directly because of this. My understanding is that debt has a 4 year statute of limitations in California. I also understand that predatory companies will file against people without their knowledge, hoping to get a judgement. I believe this is what has been done to me. How can a judgment be entered without ever contacting me or serving me papers? I have blocked out any personal information as this website advises.
Product: Student loan

Hello, I have multiple student loans, all private and I would like to address the issues one at a time. Two of my loans are through CITIBANK, now sold to XXXX. They total XXXX but I owe more than I started with. I have made all the monthly payments, as suggested by them, yet my principal is more than I have started. I have zero late fees. In fact, my total payments so far exceed the original principal amount. 

With total private loan amounts exceeding XXXX, I need all the help I can get. I researched CITIBANK and noticed there has been a lot of litigation about misleading information and essentially mistreating the borrower. In addition, I have not been able to report any of my loan information when filing for my taxes since it was not available. This was also mentioned in the law suits. 

Can you please help? 

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

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX FXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a new house. The lender pulled my credit report and I am listed as an authorized user on a first horizons credit line for XXXX. I was never aware of this or authorized this in anyway. First horizons will not tell me whos account it is and its hurting credit and hurting my chances for buying the house we want. They did say it was reported to their identity theft department but it can take up to 30 days. I dont have 30 days.