23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/XXXX I was notified that PSLF payment countys would be on pause due to a site migration of XXXX. I was also informed that I would be place on an administrative forbearance but that it would eligible for PSLF. I called numerous times to XXXX and the USDOE and was told numerous times that these payment would count towards PSLF and that the transition would be done by XXXX XXXX. On XX/XX/XXXX I received two letters. One letter indicated that my forbearance would come to end on XX/XX/XXXX and the other indicated a repayment schedule change and that my payments would start on XX/XX/XXXX. On XX/XX/XXXX I submitted my PSLF certification and application to certify my eligible employment for all payments from XXXX. I was told it would take 3-5 weeks to review and it has yet to be reviewed and it has been over 5 weeks. Since I have only 12 payments left to meet my 120 payment these months would fulfill the 120 payments and deem me eligible for forgiveness under PSLF. On XX/XX/XXXX I received another letter that I was placed on another forbearance due to the SAVE plan litigation. Now I am being told that the payments for XXXX are ineligible due to an ineligible administrative forbearance. When I called on XX/XX/XXXX to inform them that this must be an error I was told by the agent that they were also told that those payments would count and wasnt sure why they were ineligible and recommended I submit a PSLF payment reconsideration request. I submitted the reconsideration claim on XX/XX/XXXX. I have not been given a timeline of when I should expect a response. I also notified the information online as far as letters and documents sent from XXXX and USDOE to me is incomplete and doesnt reflect anything before XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Now for the issue. For the last 6 months I have been aggressively working on my credit score in order to purchase a new car in XX/XX/2019. My credit score was XXXX points from reaching XXXX. Then to my surprise I receive a notification that my credit score dropped XXXX points. So first pull my credit report to see what in the world could be the change because I dont have any added debt and Ive been paying all my bills on time. The issue why my credit score dropped XXXX points was because on XX/XX/2019 XXXX reported to all three agencies that my student loan balance increased by {$3100.00} and then XXXX on the same day reported that my student loan increased by {$2400.00} for a total of {$5600.00} in increase debt. So I call XXXX and speak to Customer Representative # XXXX to see what was going on because I am not back in school and I havent taken any additional loans and the representative lets me know that I dont have any new student loans and there isnt an increase of {$5600.00} on my student loans there is only an increase of about {$300.00} and she doesnt know why XXXX reported an additional {$5300.00} to the credit agencies. I have attached documentation reflecting the only change in my credit report. I also called all three agencies regarding the XXXX point drop and each customer representative informed me that the change is due to an increase in my debt indicated by my student loan provider of {$5600.00}. I was also told that it could take months for my score to increase by the XXXX points even if XXXX fixes the mistake. 

XXXX inaccurately report on my credit reports and why no one has caught this. The XXXX point decrease has put me in a completely different credit score bracket with a completely different interest rate for the car I have been planning to purchase. This error affects me in the long run and my financial well being. I need a person to give me a call to resolve this. I would like a live person to give me a call and explain why {$5600.00} was reported to the credit agencies and what is being done to fix the situation.
Product: Prepaid card

I have XXXX  Vanilla Visa gift cards that were declined while I was making a large purchase on Sunday, XX/XX/XXXX. 

I checked the balances today, and found that while they had balances, the cards were placed on hold and that I had to contact the XXXX number at Vanilla Visa immediately if I ever wanted to use them. 

In speaking with the customer service team at Vanilla Visa, I learned that the holds were placed on all of the cards on Monday, XX/XX/XXXX ( the business day after I attempted to use them ). I also learned that no one in the customer service team could tell me why the cards were on hold. They offered many unhelpful hypotheticals about how the cards were compromised- which was interesting because they only became that way the day after I attempted to use them. At no point in the past did I try to use them, prior to XX/XX/XXXX. At no point in my conversation with the rep or the manager did they state a concrete reason why the unregistered cards were " on hold ''. They said " might '' and " may '' and " could have been ''. They could not say what caused the holds. They also hung up on me, which was nice. 

I can think of a couple reasons why they would be on hold. First, every lost gift card and every disaffected and declined card holder equals more money for Vanilla Visa. The second is that they wanted my personal information. In order for me to use the " cash '' that was given to me, I would have needed to have XXXX new cards issued - and mailed to me at my address. I would also have had to agree to Vanilla Visa 's terms, including having my personal information sent to anyone who would give them money. 

I believe this to be a straightforward and illegal scam. In an effort to hold on to gift-givers ' money as well as procure gift-recipients ' personal information, Vanilla Visa ( and potentially the issuing banks : XXXX Bank and XXXX ) are using classic delay and hassle tactics to get what they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to set up automatic payments with XXXX XXXX  but their system was down. I XXXX  XXXX XXXX and missed a payment because I thought I had set it up but didn't. I paid the payment straight away and reported the problem of their system being down but they said they wouldn't fix it. I have screen shots attached to this that show the system being down at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete it at one 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXXL XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX  XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account NumbeXXXX : XXXX This Account is inaccurate and seeking litigation please delete it once 6. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 7. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for falling to propery investigate miy disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts Ive mark as inaccurate XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I uploaded a Klarna in store card for XXXX ( store location : XXXX, NJ XXXX ) to my XXXX Wallet. The store clerk rung up my clothes in the amount of {$130.00}. However, she stated that the Klarna App doesnt work in store yet, and said the transaction didnt go through. I was XXXX, nevertheless, showed the transaction went through on my end but she refused to bag my clothes. I left the clothes at the counter and walked out empty handed. I waited to see if I would receive a refund, but instead Klarna has been taking payments. I called Klarna, emailed them too. Ive been told that this would be resolved but I still havent received my money back and I have an outstanding balance on a purchase that was never made.
Product: Debt collection

A debt from Bank of America that was sent to collections for the amount {$3400.00}. I previously set up a payment plan with them where they were withdrawing {$20.00} a week from a previous Bank of America Checking account. Then they ended up closing my bank of America checking account without providing reason. The debt was then sent to collections. Upon trying to validate the debt directly they were not able to send me any information. Upon multiple attempts to contact them for previous bank statements on XX/XX/2023 and on XX/XX/2023 and several days later I received a statement stating that my balance was {$0.00} and no last made payments. 

This same situation happened with another Credit card debt that was sent to collections for the amount of {$5800.00}. I set up a payment plan to make payments of {$50.00} a week from that same checking account which was later closed. 

These accounts were both paid it should be removed from reporting as a debt and from reporting on my credit report.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS REFUSED TO VALIDATE THE CHARGE OFF FROM XXXX AS XXXX AND XXXX HAVE ALREADY REMOVED THE INCORRECT REPORTING OF A CHARGED OFF FRAUD ACCOUNT THAT IS PAST THE STATE STATUE OF LIMITATION IN WASHINGTON STATE AND THEY CONTINUE TO REPORT A FRAUDULENT CHARGE OFF THAT IS FROM 2015 AND IS WELL PAST THE WA STATE STATUE FOR COLLECTIONS ESPECIALLY SINCE ALL OTHER CREDIT REPORTS HAVE REMOVED THE FRAUDULENT ITEMS AT THIS POINT THE ATTORNEY GENERAL IS INVOLVED AND I HAVE NO CHOICE BUT TO PURSUE LEGAL ACTION AGAINST XXXX AND EXPERIAN UNLESS THIS CAN BE RECTIFIED
Product: Credit card or prepaid card

I have been a PayPal user for many years and recently attempted to make a purchase online using PayPal. PayPal Credit was used instead of my credit card linked to the account to make the purchase. I noticed that it had defaulted to PayPal Credit instead of my credit card just as I clicked the complete purchase button.

I have never made a PayPal Credit purchase and have made recent purchases using my linked credit card. My preferred payment method is my PayPal balance, of which there is about {$6.00} that was not used toward this purchase. It appears that when it did not use my balance, it defaulted to PayPal Credit without my knowledge and I can not find a way to change this on the PayPal website.

PayPal advised that they could not resolve this without disputing the charge with the merchant, who I do not wish to harm my relationship with.

I do remember attempting to open a PayPal Credit account in the past but also remember being denied at that time. I do not remember ever being approved for this account, so I had no reason to believe that it had been opened when it was denied. There has never been a purchase on my PayPal Credit account until now. It seems to me that this is very similar to challenges PayPal has created in the past ( see 2015 CFPB action against PayPal ) by enrolling me in a PayPal Credit account without my knowledge and defaulting to using it when making a purchase instead of my preferred payment method.
Product: Credit reporting or other personal consumer reports

I have disputed a collection account on my credit report multiple times with Capital One. They have not provided sufficient documentation to validate this debt. Despite my requests, they continue to report it as a charge-off without proper verification. The only response Ive received is a generic account statement, which does not prove ownership of the debt. This account was settled, and I request that it be removed from my credit report immediately due to their failure to provide adequate proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my consumer report from XXXX. Upon arrival, I noticed that Experian has placed a total of 24 inquiries/accounts on my consumer report that violate FCRA federal laws. I sent in my identity theft report and demanded that all 24 inquiries/accounts be blocked and removed from my report because, I, the consumer and natural person, did not consent to, authorize, nor benefit from any of those inquiries/accounts. Every inquiry and account that I sent them are violations of the following sections of the FCRA. 15 USC 1681 ( a ) ( 4 ) ... 15 USC 1681 ( 2 ) ( a ) ( i ) ... 15 USC 1681 ( 2 ) ( b ). It's also another violation because I never gave Experian my written permission to furnish any of those 24 items on my consumer report. As a consumer, I am demanding that all 24 be removed. I sent the company certified mail, so I know when all of the information was received. I have proof of my entire consumer report. I have proof of certified mail with all documents that I sent to Experian. I have proof of when they received the documents. 

1. The request to block was not made in error. 
2. The request to block was not based on material misrepresentation. 
3. I, the consumer/natural person, did not consent to, authorize, or benefit from any of those accounts/inquiries. If I received goods or services, I need them to have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of any of those transactions. 

Please be aware that I am very familiar with the FCRA laws that govern Experian and the rest of the consumer reporting agencies. I know that Experian is now civilly liable for all violations under the FCRA federal laws. Under the civil section the amount per violation is {$1000.00}. I am demanding compensation for those violations.
Product: Credit reporting or other personal consumer reports

Wh en trying to contract a vehicle through my credit via my signature and social security number. I stated clearly the this is a consumer credit transaction, no loan is needed when using credit My signature ( from the natural living man ) via 15 USC 1602 ( i ) creates the credit. I expressed this verbally to the finance manager yet here we are with multiple searches of my social XXXX for a loan that I didn't ask for or apply for various Financial institutions on XX/XX/XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX. Then again on XX/XX/XXXX with XXXX in XXXX and finally several more times at XXXX XXXX XXXX XXXX on XX/XX/XXXX. All of the dealerships mentioned in the complaint were instructed not to search for an auto loan. The were instructed to utilize the credit acknowledged by the social security number. It is impossible to get a loan when there is no legal currency in circulation since XXXXXXXX XXXX XXXX XXXXXXXX ). The is only debt or credit, via XXXX XXXX I expressed these truths for reasoning of a credit transaction not an auto loan approval transaction. There were multiple inquiries on the same day in a malicious attempt to coheres me into paying with credit and cash for the same vehicle which is Fraud in the inducement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can't get my free report from TransUnion ServiceCenter. Can't load my consumer statements, Can't initiate a Dispute. Everything I do I get the message " We're unable to complete your request online. '' and I know it's just me because I can do about anything from same computer for my husband. I can't even see my past disputes after many opened.
Product: Credit reporting

I disputed the validity of a public record item I had noticed on my credit report and Transunion updated it as Released/Satisfied and this is not correct or true at all. I have never and will never satisfy a {$120000.00} lien. this is ludicrous. I have never been obligated to pay any type of sum and there is no such lien against me, this IRS lien was settled for just under  ten thousand  many months ago and it no longer should have any thing to do with me. This is inaccurate and illegal. the connotations of this appearing on my credit report and  XXXX  my financial life and I have not been able to financial recover. I politely disputed this and they claim to have verified it and its status yet it is grossly incorrect and fabricated. this lien is invalid and illegal labeled and appearing on my credit report. It must be removed immediately or I will seek legal action. There is ABSOLUTELY NO WAY this was verified as it does NOT exist!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Balance Owed : {$40.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed XXXX {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX FIN XXXX Balance Owed : {$880.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

While checking my credit report a few months back, I noticed errors concerning the accounts for XXXX XXXX  ( XXXX ), XXXX  XXXX ( XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ). This is a violation of my rights. I contested these errors with the three credit bureaus, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The companies is in violation of sections of 15 USC.

15 usc 1681 section 604a setion 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file.Reform Act related to accuracy and fairness in credit reporting.
Product: Credit reporting or other personal consumer reports

TransUnion has ignored, rejected, violated my rights according to the FCRA of me being a Victim of Identity Theft. To ignore my official documentation showing who committed the Identity Theft against me. TransUnion has ignored these Identity Theft accounts of XXXX XXXX and XXXX. 

TransUnion is violating the law and my rights on a daily basis. Dealing with an Identity Theft account I have been disputing for months. By TransUnion doing this to me, they are doing it to other consumers that rely on their credit, especially those that are Victim of Identity Theft. TransUnion has totally violated, ignored, and denied my legal dispute letters for months. Especially a consumer that is a Victim of Identity Theft. TransUnion has NOT followed Section 605B of the FCRA. I have followed Section 605B of the FCRA in supplying all documents needed to be in accordance and in compliance with Section 605B of the FCRA of Identity Theft. TransUnion has denied Section 605B of the FCRA. Here is a summary of the key provisions of Section 605B : 1. Blocking Information : If a consumer submits an identity theft report to a consumer reporting agency ( CRA ) stating that information on their credit report resulted from identity theft, the CRA must block that information from their credit report. This is aimed at preventing fraudulent or inaccurate information from harming the victim 's credit. 

2. Duration of Block : The CRA must block the information within four business days after receiving the identity theft report.

3. Notice to Furnishers : Once the CRA has blocked the information, it must promptly notify the furnisher of the blocked information, which is typically the creditor or entity that provided the disputed information to the CRA.

4. Duties of Furnishers : The furnisher is then prohibited from reporting the blocked information to any other CRA without notice that the information is disputed and may be fraudulent.

5. Extension of Block : The block on information can be extended upon the consumer 's request or based on
certain criteria.

Section 605B is an important provision for victims of identity theft, as it allows them to take steps to prevent fraudulent accounts and information from damaging their credit reports. If you believe you are a victim of identity theft, it's important to follow the procedures outlined in the FCRA, including providing an identity theft report to the CRAs to block the fraudulent information.