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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX Acct : XXXX XXXX XXXX Vehicle XXXX XXXX XXXX XXXX Lease amount : {$390.00} XXXX XXXX incorrectly reported that I was 30 day late with my XX/XX/XXXX payment. On XX/XX/XXXX, I called XXXX XXXX to make a payment over the telephone and to request to extend my lease to XX/XX/XXXX. When I called I tried to make a payment over the phone, but the representative told me the system was not working to accept the payment. The representative advised me to call later or to make the payment online. 

I made my XXXX XXXX payment online, on XX/XX/XXXX. I was not more than 30 days late. Payment was made XX/XX/XXXX, but XXXX payment system did not properly process the payment on time. I should not be punished, and suffered the consequences of having a 30 day late payment history on my credit report for 7 years, for XXXX 's own mistake. It is not fair. 

I called and tried to explained this to XXXX. Instead, I was mocked by the representative, who told me I was lying and that the company couldn't do anything. 

I should not bear this negative information, just because the company 's own failure to correct its system. I need you're help in reversing this incorrect, 30 days late payment on credit report. 

Another issue, is that even though I paid, XXXX and now XXXX 's payment. XXXX reports on my credit, that I owe, XXXX and XXXX 's payment. When I asked why, I was explained that they charge in advance and this is why my credit reflects two payments instead of one. This inaccurate information negatively impacts my credit, because it seems that I two payments behind, when I am not. 

Third, I have requested more than 2 months ago, proof that XXXX paid 2 parking tickets, I already paid. I called the company numerous time. Every time, I called I get the same answer : " We have requested the information from the Accounting Department. It takes 2 weeks to get it. Once available, we will mail it to you. '' It's been more than 2 months and I have not yet received anything. 

I appreciate any help in solving these issues. I have tried to talk to XXXX, without any success. The company is not willing to help. Since XXXX, when I took this lease, I have made payments on time. I have 3 years of on time payment history. I was not late on my XXXX XXXX payment. I should not bear the cost of 7 years of negative, incorrect information, when the company is at fault. 

Thanks,
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$750.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX  Balance : {$0.00} DEPT OF ED XX/XX/2023
Product: Debt collection

The trash that represents Lobel Financial in XXXX recruited XXXX XXXX to collect a debt that has been disputed from day 1. Neither party has produced requested documentation as to the sale of the vehicle. The request was made via registered mail. They have a wellestablished pattern of failing to respond to requests. The XXXX XXXX XXXX has over XXXX open complaints against them. They continue to carry on this practice in multiple states. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. They started charging me an additional {$66.00} a month even BEFORE the first payment was ever due. That was after they changed my payment amount from {$290.00} to {$320.00}. Take a look at the XXXX XXXX XXXX XXXX filings. It shows the latest XXXX filings by Lobel Financial. XXXX and XXXX XXXX do all the filings. Both are XXXX that profit from the company. Double dipping and unethical. Ca n't pass the smell test there. Read the complaints and look at the scam they 're running with the insurance. They 've duped many people out of there investments. They 're predatory lenders. And they have this ditbag XXXX XXXX funds out of my check that were never owed. Their practices need to be investigated in every state they do business. They are thieves and liars.
Product: Debt collection

I requested from the company a signature bearing document proving that I owe a debt to Senex. Instead I received a copy of sensitive and private medical information of which I have not released the rights to Senex to possess. The company did not prove by providing a copy of my medical records that I owe a debt to Senex. Also the company is in direct violation of my HIPAA rights and can be sued in a court of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX/XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX : {$640.00} ; XXXX  XXXX XXXX Balance XXXX {$43.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$530.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, Has removed XXXX credit card accounts from my credit report, XXXX, XXXX & XXXX XXXX without my authorized consent. The accounts removed were never disputed and they removed them and reported them as fraud, but the actual accounts that are in dispute they have done nothing with those but start an investigation Because of this UNAUTHORIZED action, my CREDIT CARDS were closed. This is further caused damage to my consumer report, and has caused an insurmountable amount of stress. 

It has done harm to my mode of living and is creating false belief. 
Ive spoken with several agents and they have offered me no help, whatsoever.
Product: Debt collection

MEDICAL DATA SY STEMS I  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  IN REGARDS TO ACCOUNT  XXXX  THE FOLLOWING AGENCY IS NOT BONDED IN THE STATE OF TEXAS AND CAN NOT LEGALLY COLLECT SAID DEBT.    MEDICAL DATA  SYSTEMS I, ADDRESS THAT IS PROVIDED ON CREDIT REPORT DOES N'T EVEN MATCH TO AN ACTIVE BOND IN THE STATE OF TEXAS.   PLEASE REMOVE FROM ALL  XXXX  CREDIT BUREAU AND CONFIRM THAT DEBT IS NOT OWED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received and alert that I had a hard inquiry credit pull from XXXX XXXX XXXX XXXX. I did not authorize this. This inquiry was done on all 3 of my bureaus, XXXX, XXXX, and TransUnion.
Product: Credit card

Hello : Back on XXXX XXXX, XXXX my Citi Bank XXXX card was overcharged by {$790.00} from a vendor in error. I called Citi to alert them that the charges were not authorized and they issued a temporary credit to my account for {$790.00} until the dispute was resolved. I filled out Citi 's paperwork required to initiate the dispute officially and returned it to them promptly. The vendor issued a partial credit of {$390.00}, leaving the balance still disputed of another {$390.00}. Citi Bank then wrote on my statement " The following conditional credit was reversed since it was determined to be a valid charge. XXXX Sears XXXX {$390.00} '' and my balance due on the card went up {$390.00} accordingly as a new charge. When I questioned, Citi said the partial credit was still pending and that statement they wrote was a poorly written way to handle the partial credit issued by the vendor. I followed up on the disputed amount XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and each time I was told the dispute was still pending and the permanent credit could not be confirmed. Today XXXX/XXXX/XXXX I was total the permanent credit of {$390.00} was applied back in XXXX and it was unfortunate that a letter was not sent out to me stating so nor could any of their representatives see that information. When I asked why I still have a {$390.00} charge open on my account, they said it was a coincidence and that I owed that money in other charges. I reached out to the vendor during this time to ask them why they only issued a partial credit and they apologized and said that was a mistake and they would initiate the balance credit for {$390.00} within the next 5-7 business days. Citi told me that if the vendor does that, they will not allow it to hit my account since they already issued me a permanent credit back in XXXX but it was only for {$390.00}. Why am I not receiving not receiving the entire {$790.00}? Citi seems to be collecting and benefiting my dispute while continuing to charge me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XX/XX/XXXX and noticed that a fraud alert had been placed on my file without my knowledge nor authorization beginning XXXX. I sent a letter via certified mail along with my driver 's license and a copy of my utility bill on XXXX requesting for the fraud alert to be removed. I received a letter from Experian dated XX/XX/XXXX basically stating I needed to send my written request again along with the same information I sent before with additional information.
Product: Credit reporting or other personal consumer reports

I am writing to formally raise a concern regarding an error on my client 's credit report. My reports have been negatively impacted by an incorrect update to the payment date on a charged-off account, despite having settled and paid the account several years ago. 
I noticed that the payment date on the aforementioned charged-off account was updated on credit report. This update is inaccurate, as the account was settled and paid on. Due to this incorrect update, my credit scores have experienced an unwarranted decrease, which is causing significant distress and potential financial repercussions. 

Action Taken : Prior to reaching out to the CFPB, I attempted to resolve this issue directly with the credit bureaus. Despite providing evidence of the settlement and the original payment date, the error has not been rectified.
Product: Student loan

Approximately 2 months ago I got a temporary forbearance which I was assured through a chat message with the Sallie Mae customer service that I could have it extended up to 12 months. I tried to extend it the first time, as my low income and living arrangements had not changed since then and I was denied. They lied to me, and are now demanding that I pay an amount I can not afford on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Tonight, I discovered inaccurate accounts on my credit report, and Im completely baffled as to how they got there. Ive been routinely checking my credit report, and this is the first time Ive seen such discrepancies. Thinking it might be a glitch, I refreshed the browser, but nothing changedthe accounts remained. Because of this unsettling issue, Im urging a thorough review of the documents Ive provided so I can avoid this kind of anxiety in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reported a complaint via CFPB to Affirm Inc. regarding my account. There is a 30 day late mark on my credit report that I was told would be updated on my report to no longer reflect the 30 day mark due to miscommunication from their agents. I was told that the update would take 30 days to update on my report. Its been longer than 30 days. I want the late mark removed from my credit report as soon as possible. The previous complaint ID is XXXX.
Product: Credit reporting

I have extended fraud alerts on my report I faxed police reports to fraud department Yet items remain
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX is Reporting a Debt It No Longer Owns FCRA & Securities Violations On XX/XX/year>, I discovered that XXXX XXXX XXXX is continuing to report a tradeline for a vehicle loan on my credit report, despite the fact that the loan has been securitized and transferred, meaning XXXX no longer legally owns the debt. 

Key Facts & Timeline : Loan Securitization & Transfer : My vehicle loan was securitized into an asset-backed security ( ABS ) and transferred to an investment trust. 
Exhibit B XXXX  SEC Filings & Trust Agreement confirms that XXXX sold off the financial rights to this debt, meaning they no longer have ownership or collection rights. 
False & Misleading Credit Reporting : Despite no longer owning the loan, XXXX continues to report this debt to credit bureaus as if they are still the creditor. 
This is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishing inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX : I previously filed a CFPB complaint ( Case XXXX and XXXX ), but XXXX responded with misleading and factually XXXX claims. 
They falsely stated that they are required to continue reporting under FCRA, when in reality, FCRA only requires accurate reporting, and XXXX reporting is knowingly false since they no longer own the debt. 
They refused to provide documentation proving they still own the loan, while Exhibit B and D confirm that ownership has been transferred. 
XXXX  Threats & Attempts to Suppress My Dispute : XXXX threatened legal action if I continued to dispute the account, which is an intimidation tactic meant to obstruct my consumer rights under FCRA. 
Their refusal to correct the reporting is a willful violation of federal consumer protection laws. 
Requested XXXX from CFPB : XXXX investigate XXXX XXXX for XXXX credit reporting & deceptive financial practices. 
XXXX XXXX to remove their tradeline from my credit report since they no longer own the debt. 
XXXX XXXX to provide a full financial reconciliation of all securitization transactions related to my account. 
XXXX XXXX  fraudulent response to the SEC, FTC, and OCC for multi-agency enforcement. 

I have attached Exhibits B, C, D, and E as supporting evidence that XXXX no longer owns the debt and is knowingly misrepresenting its reporting obligations. 

Sincerely, XXXX XXXX Attachments : Exhibit B SEC Filings & Trust Agreement ( Proving Transfer of Ownership ) Exhibit C Fraudulent Credit Reporting & Unjust Enrichment Exhibit D Securitization Fraud & Financial Misrepresentation Exhibit XXXX Regulatory Violations by XXXX XXXX
Product: Money transfer, virtual currency, or money service

I deposited a paper check that underwent prompt acceptance, accompanied by a representation that the corresponding funds would be accessible within a stipulated timeframe of 4 business days. Regrettably, the funds were not credited to my account until the morning of the 5th business day, constituting a delay of one business day beyond the initially communicated timeline. Subsequently, in my attempts to address this matter through the designated support channels, I have encountered a consistent recurrence of scripted responses that inadequately address the specific nuances of my concern. This recurrent pattern raises concerns about a potential deliberate avoidance of accountability by Cash App. I am seeking resolution and clarification regarding the observed discrepancy in the timeline as communicated during the initial deposit process.
Product: Credit card or prepaid card

I signed up for american express business platinum card. the offer is to give me XXXX points when I spend XXXX. 

I have reached the min spend and was only given XXXX. I submitted a case ( case number XXXX ). It was closed WITHOUT my knowledge. I had no idea they had close my case without giving me any explanation. AMEX has refused to give me the rest of the points.
Each time I reach out to american express, they would try to tell me I already received the points when I have not. 

I have even provided the mailer RSVP code for the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that needs to be removed immediately from my credit report
Product: Debt collection

I am trying to refinance my house. A judgement came across from TK Credit Recovery stating I owe from XXXX XXXX. I took out a loan in XXXX paid XXXX XXXX in XXXX account paid in full and closed. I have documentation from XXXX XXXX the the debt has been paid in full. Now this TK Credit Recovery comes up. I called TK Credit Recovery spoke to XXXX XXXX, which is not a friendly person, told him I had documentation stating my account was paid in full. I asked if I can get somethin in writing stating that the Judgement on me was from XXXX XXXX  so I could present to my broker so I could continue with my loan process. He told me that the judgement was on my name and he could not give me no information until he recieved clarification from the Sheriff Dept. He would not let me speak. And was not willing to help me.
Product: Credit reporting or other personal consumer reports

Hello, I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my XXXX XXXX
Product: Debt collection

on XX/XX/2020 I get an alert from XXXX  that this collection agency is trying to collect {$1400.00} from me. I have no idea what is about, I haven't received any letters etc.
Product: Checking or savings account

I want to withdraw money from my Robinhood Brokerage account to my personal bank account, but my app says Account is Restricted. I called Robinhood support 3 times today. The first call they hung after 30 mins when I was on hold. The second call, they hung after I was on hold for 20 minutes consecutively. The 3rd call I was transferred 5 times to different departments saying there is nothing that these agents can do. When I reached my last person, they send they would send an email to escalate my case, however I have not received any response. I have been given the run around too many times. Robinhood is holding access to my funds, and is refusing to remove the restriction on my account. As a result, I can not transfer my money to any account I have from the Robinhood platform. The case numbers I have are Case ID : XXXX and Case ID : XXXX The resolution would be Robinhood either removing the restriction, or letting me transfer money from my brokerage account to my personal bank account.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On different occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be totally explored. In spite of my endeavors, I presently can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and upsetting my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused tremendous difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening quickly. I benevolently demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the essential advances are taken to refresh and correct my credit report immediately. With your assistance, I desire to reestablish the precision and uprightness of my credit record so I might recover command over my monetary prosperity. I genuinely encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.