23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am recently paying for my student loan that is defaulted. I been making on time payments of the amount i am able to afford. I have been asking for paper reciept and to file for my taxes but i have never recieved. I was told to make 9 monthly continues payment and my loans should be out of default, now i am getting a letter from a different loan servicing threatining a wage garnishment for the same loans i have already made 9 consecutive payments of thinking i would be out of default.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX with address in XXXX XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX, was been doing hard inquiries without my permission. 
It was done on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I had made dispute with XXXX and they took it out of my report. 
XXXX has the hard inquiries in my report. This year this company did another inquiry on XX/XX/XXXX. 
I will really appreciate if you please look into it and help me resolve this issue. I'm trying to restore my credit and this is definitely not helping. 
Thank you in advance and please keep me updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FAILED TO REMOVE ALL HARD INQUIRIES FROM TRANSUNION AS PROMISED. THE INQUIRY WAS INVALID BECAUSE OF FRAUD ALERT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year ago I reported to XXXX that a company I had a loan with reported a late payment incorrectly I submitted to both my bank info showing pmt. The loan was pain in full XX/XX/XXXX. Again this month they reported another late pmt XX/XX/XXXX I made 2 pmts that month so far from late. They have wrecked my credit score its dropped over 100 points Ive had credit limits lowered bc of this incident they failed to investigate after I requested by certified mail as well as the company that reported it being wreck less and careless and I want to sue both companies now Sheffield financial and XXXX. They have carelessly changed their minds 4 times over this first it was XXXX then XXXX then XXXX now XXXX again so there is no way at all XXXX  investigated anything I sent them certified mail.
Product: Credit card or prepaid card

I disputed the transaction because the guy who fixed my 75 inch guaranteed for at least a year and it stop working within the first week and then I brought back he said he will apply the guarantee and fix it for free and instead he broke the screen.
Product: Credit reporting or other personal consumer reports

From XXXX XXXX I noticed some information being reported inaccurate causing adverse action while trying to obtain Credit. I have requested this information be corrected and send me information regarding my payment history The results would always say the information was accurate.60 Days later I filed a complaint with CFPB regarding the handling of the situation. On my Credit report i Have two Separate accounts with XXXX that are reporting different information ( Payment History, Name of company with account, Account status, these issues that i have been begging the credit bureaus to delete and remove all inaccurate information, Inaccurate payment history. The documents I have attached will show both accounts and the have inaccurate information from burau to bureau This company has proven that my rights under the FCRA means nothing. This company refuses to comply with the law by making sure the information they share is accurate. it is approaching 90 days since the I've made my initial complaint of the incorrect information being shard and every complaint was responded with more negative information More incorrect information and no desire to respect my covered rights
Product: Credit reporting or other personal consumer reports

After viewing my personal information on Experian, XXXX and XXXX. I noticed that there are several pieces of information that is incorrect. This information needs to be corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to TransUnion regarding an account on my credit report from XXXX XXXX XXXX for which they claimed that I owed {$17000.00} in XX/XX/XXXX. I challenged the accuracy, compliance and reportability for each of these listings because I am unaware of owing money to this company. I also asked to validate the information with XXXX XXXX XXXX, and to provide me with any documentation associated with this account, bearing my signature. In the absence of any documentation bearing my signature, I formally requested that the information be immediately deleted from my credit file for which they maintained under my social security number. 

On XX/XX/XXXX I received a letter back from TransUnion stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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. 

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$1300.00} on XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I went to XXXX and signed up for the XXXX XXXX XXXX. The salesperson I spoke too specifically said that I have ( 14 ) days to return the purchase if I was not satisfied with the quality of the service. I returned the purchase ( 4 ) days after, so I was well within the term agreement for the return. I was told no fees would be assessed. I was never contacted again regarding this account. I was not aware there was a collection on this account until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to inform the credit bureaus about inaccurate inquiries as a result of I never I authorized them. This was in XXXX and I also sent my last letter on XX/XX/2020. Someone had to use my name so I reported them to the burueas ( Transunion, XXXX, and XXXX  ) .I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy Also, this was reported on my account and its still showing on my report. This has not been taken seriously and I contacted the original creditor and I contacted all 3 burueas on multiple occasions through phone and letters. The original creditor sent notices to all 3 burueas about this should be removed from my report because I never authorized this and but it still remains on the report. This matter is serious but i am being taking advantage of and my consumer rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Complaint letter So, on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 40 days later I have not received a response. It appears that me exercising my right to address my credit is being ignored or perhaps I'm being taken advantage of. Section 611 ( a ) plainly states that failure to investigate these items within 30 days is a reason is a reason to immediately remove those items from my credit report. it has been over 40 days so I'm assuming they will be deleted promptly. I am requesting these items be removed posthaste or I will be filing litigation due to the undue stress this matter is causing me in my financial life. I am positive that my information was also impacted by the Equifax data breach possibly gotten into the wrong hands of someone who is not me! 



This is not a regular dispute, I have filed a complaint with the FTC and the XXXX if I recollect correctly none of these items are mine. According to section 611 ( a ) states failure to investigate these items gives just cause to remove from my report within 30 days. 
So far it has been 40 days. Please help me rectify this at once! Id like to see this removed at once.
Product: Checking or savings account

On XX/XX/XXXX, we received an alert on the Positive Pay Exceptions, a Citi Bank system to detect irregularities, for one of  the checks ( {$200.00} ) issued by my employer indicating a duplicate presentment of a check on XX/XX/XXXX, asking our action to take. We immediately requested " Stop Payment '' via the online banking. With regard to the Positive Pay Exception, the said check was issued to one of our colleagues. 

The check was physically deposited with the original paper document by the employee, not via the check photo, at which the custody of the original document transferred to the bank for further processes. The colleagues bank is also Citi. We asked Citi to investigate the incident and inform us of findings. The response was, " With the increased use of check scanners and banks allowing photos of checks in order to make deposits, Citi does not physically receive checks in most cases. When the depositor retains control of the check, it is not unheard of for checks to be presented more than once. I have requested that the duplicate posting be reversed and will let you know once that is complete. Please let me know if you have any questions. '' However, this comment was totally irrelevant because the deposit was made with the original paper check. Even though there was no monetary damage caused to us, such an attempt for duplicate presentment of checks is a matter of grave significance. If there was a malicious person who purposely made an attempt to encash a check twice, it could be a crime. I would like to report this, hoping there will be additional investigation or corrective action, if any, to be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX parked two accounts on my consumer report without mailing or calling me I gave them my address cause they had the wrong address I never lived at XXXX XXXX XXXX this impacted my insurance my credit card accounts and the refinancing of my house 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 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. As a consumer I have the right to opt out and Im exercising my right to do so.
Product: Debt collection

Collection agency NCS have been repeatedly calling me on my cell phone during work hours. When I answer I have been put on hold and eventually forwarded to a voicemail. I was finally able to get a hold of someone only to be yelled at called XXXX and then hung up on.
Product: Debt collection

This was a fabricated debt from someone who knows the owner of Collection Bureau Inc and used the power they had to file negative information on my credit report to lash out personally towards me after I disputed the debt when I talked to them and requested written information pertaining to the claims of the debt they offered nothing until I filed a XXXX complaint after they already damaged my credit score and good name. The correspondence they sent was nothing on their collection attempts and the party that engage them to do so had nothing as well. This is the perfect example of abusing the system and laws and regulations of collection practices.
Product: Debt collection

Debt disputed XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Asked for validation on 3 different occasions XXXX XXXX sent nothing but a bill with totally different last name and address not associated with me. No social security number or identification attached. After a few attempts it was deleted from credit bureaus file. I 've recently noticed the same debt placed back on all three credit bureaus under a different collection agency Diversified Consultants , Inc . I immediately asked for validation it 's the same information from previous collection agency that I originally disputed.
Product: Credit card or prepaid card

I filed a complaint on XX/XX/20 regarding the problem with a Home Depot card that is handled by Citibank. They have not straightened this out. They are telling me that the other fraud charge is still outstanding and there is a payment coming due. They are still showing the balance due on my credit report and giving us the run around about removing it from our credit report. The original complaint number was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

Received a credit alert of a XXXX closed account, Ive never had XXXX before.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a COVID19 after effect. I had fraud on my XXXX XXXX account. It was a new purchase for " game points ''. My XXXX granddaughter was highly suspect. So, I requested a new card number. In the past, this fixed the issue. There were additional new purchases made, and XXXX charged them to NEW card number ( that I do not even have yet ) and XXXX XXXX accepted them. I could not get through to XXXX. XXXX XXXX said that companies with existing relationships could get new number for subscriptions. These were not subscriptions. XXXX XXXX said that changing the credit card number would not stop this from occurring, and their department that " freezes '' purchases from specific vendors was closed due to Covid19. So I can to cancel the account. My credit report went down 50 points. I should not be penalized for XXXX XXXX accepting these charges and XXXX for submitting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to comply with FCRA laws for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Equifax that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent accounts. Equifax has claimed the items listed below have been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following items blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

In XXXX XXXX, we received two notices from XXXX XXXX XXXX indicating they are a debt collector trying to collect on two bad checks : one notice indicated a check was written on XXXX XXXX, XXXX, at XXXX, in the amount of $ XXXX, and it was returned with a " stop payment ; '' the other notice indicated a check was written on XXXX XXXX, XXXX, at XXXX in the amount of $ XXXX, and it was returned due to a " hold on funds ; '' there is an additional {$30.00} with this transaction for " returned check fee. '' After receiving these notices, my wife went to the credit union that we bank with. They had received no notification regarding these checks and also pointed out these check numbers are not in sequence with our current checks. We were very confused and concerned as to why we received these notices. On XXXX, my father told us that his checkbook was stolen when his house was burglarized in XXXX XXXX, a few days before the checks were written. He said the local Police Department had contacted him asking if a certain person was on his checking account. He told them " no, he had no idea who this person was '' and the officer said thank you. My father then went to his bank, as he was concerned that someone was using his stolen checks. The bank closed his account and refunded him for the one check that did clear. My wife and I at this point realized that my name was on my father 's accounts at his bank and the notices I had received from XXXX XXXX XXXX were in regards to the checks that had been stolen from my father and were being used fraudulently. My wife filed a police report on XXXX XXXX, XXXX, with the Police Department for these fraudulent checks and the crime committed against me. There is also a police report for the break-in at my father 's house. 

On XXXX XXXX, XXXX, I sent a letter to TRS Recovery Services via fax and certified mail indicating these checks were stolen, fraudulent and forged. I included both police report numbers in my letter. I also included correspondence from the bank indicating that check # xxxx was not written by anyone authorized on my father 's account. I also explained that the account was closed which is why check # xxxx was returned. I told them to cease any collection processes and requested written correspondence that collection procedures had been stopped. XXXX XXXX XXXX sent me correspondence dated XXXX XXXX, XXXX, indicating " this debt was incurred by you or someone acting with your authority and was NOT due to forgery, fraud or identity theft. You are still responsible for paying this debt. '' They further indicated " As a result of this investigation, XXXX XXXX XXXX XXXX XXXX considers this dispute resolved. We will assume you agree with this finding unless we learn otherwise from you. '' These checks were clearly fraud and forged and I feel I am being harassed by XXXX XXXX XXXX We have good credit, have never been pursued by a collection agency for any reason and are very reluctant to continue communication with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Type : LEASE Account Number : XXXX My payment due date is on the XXXX of each month. My payment for XXXX XX/XX/2018 was not past 30 days late. My payment was made on XX/XX/2018. Please see attached proof of payment history. Payment XX/XX/18 Payment XX/XX/18 Payment XX/XX/18 I was never past 30 days. This inaccurate credit reporting is effecting my credit score and As a result, causing emotional distress, interruption, annoyance, and continuing XXXX.
Product: Debt collection

since XXXX I have had numerous accounts opened in texas with XXXX companies such as XXXX XXXX with addresses in texas XXXX never been to texas XXXX do not know anyone in texas XXXX, I have disputed all these accounts, filed FTC -police report, of Identity fraud placed a fraud alert on my credit accts, but penn credit keeps hitting my credit report I am scared and frustrated that someone is opening utility accounts with my credentials name ss and who knows what else now I they requested I file another police report with all 6 of the account numbers they have under my name
Product: Money transfer, virtual currency, or money service

i had my purse stolen with my phone inside which was hacked and the person did a bunch of fraud. They used XXXX  from my chase business account and XXXX  themselves twice once for XXXX and XXXX for XXXX on XX/XX/24. I called chase on XX/XX/24 to secure my accounts and credit cards and explained what happened and over the weekend on XX/XX/24 i called again when i was locked out of all my emails and bank accounts and they advised i go into the bank monday but it was a holiday weekend so when i went in on XX/XX/24 the teller showed me all the transactions and XXXX ones were pending i do not know why the bank did not stop them from going through or why they refuse to give me my money back as i have over XXXX evidences one showing the man walking away with my purse from the detective and all the information name address everything on the person who hacked into my phone.
Product: Vehicle loan or lease

I have a loan with volkwagen credit. They have blocked my number, they are accepting my payments and cashing my checks for my new car. They denied I have an account with them when I blocked my number to call. I asked for a supervisor then was hung up on again. I've never been sent ANY DOCUMENTS AND THESE THUGS BLOCKED MY NUMBER WHO SERVICE MY LOAN??????
Product: Credit card

XXXX XXXX XXXX XXXX Citibank is engaging in XXXX business practices by not allowing users to add their card to XXXX XXXX because they XXXX not want to pay XXXX fees. See other users complaints via link above.