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

XXXX XXXX XXXX : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so. REMOVE IMMEDIATELY.
Product: Student loan

I have been paying in the same loans since XX/XX/2011. I noticed the monthly payments are increasing yet the balance has not decreased. I have called several times and asked for options. Even when placed on auto pay. I recieve nagging calls. I have not been given any explanation as to why the balance has not decreased. The agency is not willing to work with me. Paying the loan is causing me not to be abl to meet my basic needs. I feel trapped due to the lack of cooperation.
Product: Credit reporting

I, contacted TransUnion disputing a " CHAPTER XXXX BANKRUPTCY DISCHARGED '' on my credit report that allegedly WASHINGTON FEDERAL COURT-XXXX has verified on XXXX/XXXX/2016. The agent I spoke to on XXXX/XXXX/2016 after receiving my report would not give me the truth under how they : " verified '' " CHAPTER XXXX BANKRUPTCY DISCHARGED '' with the WASHINGTON FEDERAL COURT-XXXX? When I, wrote the Clerk of Court, Case Management Supervisor, XXXX XXXX replied back to me on : XXXX/XXXX/2016 stating : " The Bankruptcy Court does not report to credit reporting agencies ''. I, requested a minimum of 6 times : " Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. '' They refused repeatedly! 
I, respectfully demanded : " the name, address, and telephone number of each person contacted at WASHINGTON FEDERAL COURT-XXXX ''. The TransUnion agent lied repeatedly! The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. They are failing to comply with federal regulations. Constituting : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I have requested for over a year for fraudulent addresses and account to be removed from my credit report and still no action has been taken place I have police reports as well as document s that I have sent to experian and still No action has been taken Please remove fraudulent addresses XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX mi XXXX Fraudulent accounts XXXX XXXX opened XX/XX/XXXX XXXX  XXXX opened XX/XX/XXXX XXXX XXXX  opened XX/XX/XXXX Below is documentation that has been provided along with police report
Product: Credit reporting or other personal consumer reports

Conn 's appliance company acct # XXXX. I wrote them several times and the credit bureaus about these two erroneous errors on my consumer report or credit report. I dispute with # of months high credit amount last reporting and the last date of payments. These are reporting 3 different ways on all 3 credit reports. According to the fcra A 100 % reporting inaccuracy on my report. They keep coming back with verified. These are not properly investigated. They are reporting wrong. This is hurting my score and to refinance my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hunter Warfield is a collection agency for XXXX XXXX. XXXX XXXX is a collection agency for XXXX XXXX. My account for XXXX XXXX was held by XXXX XXXX. I contacted Hunter Warfield and spoke with XXXX XXXX who told me that Hunter Warfield no longer had my account and XXXX XXXX did. I asked XXXX to please send a request to the credit bureaus to remove Hunter Warfield from my credit report. XXXX was very rude and told me if I called back, the company would press charges. I called XXXX who agreed to give me letter stating that XXXX XXXX had my account for XXXX XXXX. I paid the account for XXXX XXXX in full including fees to XXXX XXXX. 
Hunter Warfield remains on my credit report and continues to increase the balance biweekly. I would like Hunter Warfield to remove themselves from all 3 of my credit reports as they did not even hold my account and my account is paid in full with another collection agency.
Product: Student loan

Upon graduating, I notified Wells Fargo to initiate repayment. {$55000.00} in private student loans became over {$75000.00} instantly as they added interest all the way back to day one. I did not know that this was going to happen. My payments between private and federal loans are {$1200.00} per month. I earned a XXXX degree in XXXX and bring home $ XXXX- {$800.00} per week. I can not afford to support myself in these circumstances.
Product: Student loan

Issue : On XX/XX/year>, MOHELA, my student loan servicer, automatically withdrew {$3000.00} from my bank account without any prior authorization of such charge. This withdrawal was not related to my authorized automatic withdrawal rate of {$430.00}. 

Finally, after over a month of back-and-forth communications, on XX/XX/year>, MOHELA finally agreed to issue a refund of {$2600.00} ( {$3000.00} less the regular payment of {$430.00} ). Now, it turns out, MOHELA has a 30+ day window, that starts on the date of request, for them to issue a refund. In my case, since I finally was able to get MOHELA to request the refund for me on XX/XX/year>, so, if using both business and non-business days, the deadline would be XX/XX/XXXX. However, if solely using business days, the deadline would be XX/XX/XXXX, which is the case. 

The issues are firstly the unapproved withdrawal, and, secondly, the long delay period for MOHELA to refund unapproved withdrawals. These issues lead to MOHELA placing unnecessary burden on the borrowers and deriving a lot free float without fair exchange.
Product: Credit reporting or other personal consumer reports

Subject : URGENT DISPUTE DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ACCOUNT To Whom It May Concern, This letter serves as a formal and urgent dispute under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) regarding an unauthorized account that appears on my credit report. 

This account does not belong to me, and I demand its immediate removal. 
Details of the Fraudulent Account : Creditor Name : XXXXXXXX XXXX XXXX  Partial Account Number : XXXX  Reported Balance : {$140.00} Date Opened : XX/XX/year>
Product: Credit card or prepaid card

In XX/XX/2018, I received an email offering a XXXX XXXX points bonus of a new Chase card was opened and you spent {$1000.00} in the first 30 days. I clicked the link in the email and applied and was approved. After the first 30 days, I received XXXX points and a {$200.00} statement credit. I immediately called because the value of XXXX XXXX points is {$1100.00}, but the value they provided me with was {$470.00} ( XXXX points are {$270.00}, plus a {$200.00} statement credit ). The ONLY reason I got this card was for the XXXX points. They told me theyd talk to marketing and get back to me. Ive called 3 times and have not received a reply. Im now at the point that Im ready to book a trip and Im missing XXXX points, so I called AGAIN and was told theyd talk to marketing. Today I contacted customer service at Chase via XXXX and they said sorry, its been too long, when theyre the ones who never replied back every time I called. 

I also contacted XXXX since its a co-branded card but they said only Chase can help.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX account # XXXX below have violated my rights. 

XXXX XXXX # XXXX, DEPTEDXXXX # XXXX ( balance {$7700.00} ), DEPTEDXXXX # XXXX ( balance {$22000.00} ) 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 5 and 6 of the  attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue, but have been unsuccessful. This negative reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. ( Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Account Name : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I need your support in addressing the incorrect account showing up on my credit report. I am bringing this up because it has significantly damaged my reputation, and I require your help. Your mistakes in handling my credit report have put me in a difficult situation, ruining my reputation due to inaccurate reporting. Please take action to remove these incorrect entries.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$160.00}
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit report, I have listed these accounts all below. These accounts are reporting to all three credit reporting agencies. I also, have incorrect information reporting to all three credit reports in regards to my car payment. During the pandemic my car payment aloud me to skip a couple payments and advised that it wouldn't effect me negatively and then they reported I had late payments. I have tried to deal with all these issues directly with the companies and have gotten no where and this negative information is keeping me and my children from getting housing. 

Please see incorrect info reporting to all three credit reporting companies, these accounts do not belong to me. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX Amount {$720.00} XXXX XXXX, XXXX # XXXX Amount {$450.00} XXXX XXXX XXXX Account # XXXX Amount {$240.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$230.00} this account below is my car payment and they are reporting me late during the pandemic and I was never supposed to be reported late. 

XXXX XXXX XXXX Account # XXXX Lates below and this was never to be reported to the credit reporting agencies, they advised it would not effect me negatively because of the pandemic. 
XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I received a text message from Wakefield & Associates regarding a dental bill for services they claim that I received in XX/XX/XXXX. I called the number back and spoke with a representative who stated the call was being monitored and that it was for a dental bill from XXXX XXXX I informed the representative that I have never received services from XXXX XXXX, on XX/XX/XXXX nor or any other time. I told them I don't know of a dentist by this name. As of XX/XX/XXXX, Wakefield & Associates has now reported this account on my credit report. Upon my awareness, I call this company again and informed them that I have never received services from the dentist, and I did not have a dental visit in XX/XX/XXXX. The representative stated the account was in dispute from the last conversation I had with the representative at their office in XX/XX/XXXX. I repeated again, this is not my debt. I do not know the dentist. I did not visit this dentist in XX/XX/XXXX. I informed the representative that I deemed this as being harassment and deceptive as I have told them repeatedly that I don't know this dentist, have never been seen by this dentist and have never been a patient of this dentist.
Product: Debt collection

I called them and tried to resolve the problem but the representative tried to make me attempt to a debt that I had no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX a certified letter concerning an alleged debt. I requested the original purchase agreement that shows they are the legal owner of this alleged debt and I asked them to include all the terms and conditions that are included in this purchase agreement. It is now XX/XX/XXXX well over the XXXX day period they are required to respond in. Secondly, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX is not licensed to collect debt according to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is incorrect : XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

National Credit Card Cos.
XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Mortgage

I received a lower homeowners insurance quote from XXXX XXXX, I've been attempting to switch from my current company, XXXX XXXX, however, the information including binder sent from XXXX has not been replied to, no payment sent so new policy can not go into effect. A total of two binders have been sent thus far according to XXXX, rep with XXXX XXXX, no reply to either. I am attempting to switch before next mortgage payment due on XX/XX/XXXX, my mortgage company, Amerisave, does not appear to cooperate. I need payment issued ASAP for new policy
Product: Credit reporting or other personal consumer reports

XXXX XXXX has never responded to why my information was given to another collection company without consent as well as the collection company XXXX has failed to hold my personal information safe. Since XXXXXX/XX/XXXX,2024 my information with my name and social security number has been affected. XXXX has never explained to me how this would be legal. Mind you that this has been past timely matter.
Product: Debt collection

The provider was previously submit the bill claim incorrectly to my insurance that causing the wrong bill balance. The collector closed previous CFPB claim using false information. The provider finally submitted a correctted claim compliant to the insurance claim policy in XX/XX/2024 and my insurance have made the corrected payment of {$1500.00} for the bill. Including my payment of {$120.00}, the bill was fully paid.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX  XXXX  - Account Number : XXXX Account Name : 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 Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : UNKNOWN - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted an identity theft report to the credit bureaus and to the U.S Department of Education Office if Inspector General. My identity got stolen and the student loans listed in the attached identity theft reports do NOT belong to me and I did not receive any benefits from the accounts!
Product: Money transfer, virtual currency, or money service

Between XXXX XXXX and XXXX XXXX, I fell victim to a multi-layered scam operation run by a group of individuals, who offered me high profit if I invest money into cryptocurrency. They used fake trading platform on eternity-wealth.io and convinced me making deposits for a total amount of over XXXX from my Bank of America Business and Personal accounts to fraudulent firm ( s ), partially through wire transfers, partially through purchasing XXXX XXXX ( XXXX ). 

Bank of America refused to help me with this matter further, stating that the claim to the fraudulent company bank is " taking too long ''. 

I am contacting the CFPB today with a request to do a proper investigation of the situation, as I believe Bank of America just like other bank have to protect their clients and prevent potential fraud or scam from happening.
Product: Debt collection

These people called me a lot in the beginning. I didn't know I could negotiate with them to reduce the debt. I repeatedly told them that I could not afford to pay more than {$50.00} a month and they would not accept that from me. It was not good enough for them. So they kept calling. I finally had a little money left over after I got paid one month and I paid {$100.00} on the debt. Then they agreed that I could pay {$50.00} a month after that, but wanted me to start that right away ... even though I just paid them {$100.00} and I told them I needed some time to be able to make another payment. They set my due date at the XXXX of each month, but to be honest I can barely afford to pay the {$50.00} even. I have to pay for gas for my car and for groceries on credit cards because I don't have money left over after I pay my regular monthly bills. This website says that I should not be paying more than I can afford and I feel like this company " bullied '' me into a payment plan that I really, honestly, can not afford. I just paid them another {$50.00} today because I'm tired of them calling me and now I have {$30.00} left in my checking account until I get paid again on XX/XX/26. Obviously, that is NOT going to last for two weeks and I'll be forced to increase my credit card debt to make it through the next two weeks. Not once did this company even offer to settle this debt for a smaller amount and for someone like me who repeatedly tells them how tight my finances are, I feel like they should have offered me a smaller amount and let me do a smaller monthly payment. Also as it relates to the original debt, I made a partial payment to XXXX when they sent me a bill in the mail. I never once heard from them again on this bill/debt so I thought that maybe the waived the rest ( as many other facilties have done with bills ). Then all of a sudden this Central Resources company is involved and XXXX tells me they can't speak with me no more about the bill/debt. They didn't ever offer me any option to apply for a reduced or waived balance either and they should have! They never communicated with me after I made that partial payment to them.
Product: Credit card

This past summer TD XXXX  upgraded their systems ( webiste & app ) which triggered late fees after payments have been made and double payment required. I reached out to TD XXXX  in XXXX when I first caught the problem. They acknowledged the issue and siad it would be corrected on the next billing statement. Which it wasn't fixed. I have continued to make monthly payments on time while reachingout the TD XXXX  to correct the issue. This past week ( XX/XX/year>2024 ) they submitted to the credit bureau I was delinquent on my account. Again I have made all my payments on time and/or before the due dates. My credit was hit for a negative XXXX points by this companys failure to fix their computer issues. I received the XXXX statement which I was charged a late fee again after payment was made on time. Five months and TD XXXX has not addressed this problem or given a solution.
Product: Checking or savings account

My account got hacked. Bank denied access, blocked autopay accounts. It has been over a month and is drastically affecting my health and my life. Had checks bounce to IRS and others. I wasnt notified when all this went on. It took a month to find out my account number was changed. Bank had me change user id and password. It worked once.