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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts must be corrected as soon as possible : 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: Credit reporting or other personal consumer reports

I have consistently maintained on-time payments, so I find it XXXX to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I made a XXXX transaction through my Wells Fargo account in the amount of {$450.00} to XXXX XXXX ( XXXX ) XXXX as a deposit on an item for sale posted on an account I follow on XXXX. 
On XX/XX/2019 I made a second transaction in the amount of {$700.00} to the same individual that was to be my final payment. 
Later, the seller claimed she did not receive the {$700.00}, so I made a claim through Wells Fargo that the funds were not received. Shortly afterwards, I was made aware that the seller was stealing photos of items from a legitimate business and posting them for sale, when in fact, she did not have those items to sell. After some research, I discovered the seller has done this to multiple people ; posting items for sale, receiving payment for those items through XXXX and disappearing. 
Once I learned I was being scammed I contacted Wells Fargo to cancel the claim in progress and instead file a money movement claim that I did not receive the goods/services I had paid for. 
Wells Fargo opened two claims, one for each transaction and reached the conclusion that because I made the transactions and since they were already completed, they would not offer any recourse or refund. They recommended I contact XXXX and continue the matter with them, which I did and had a manager explain to me that a XXXX payment should be treated like a cash transaction and that once completed, could not be reversed and they refused to offer a refund. 
Only after I asked if they were interested in knowing someone was using their platform for scams did they ask me for information on who the seller was.
Product: Student loan

I received a private student loan from XXXX XXXX ( now called Navient ) for XXXX, XXXX, and XXXX. When I XXXX I had the loans consolidated in XXXX XXXX through XXXX ( now called XXXX XXXX XXXX ). I was still paying off federal loans through Navient, and in XXXX my student loan payment increased and I thought it was because my federal loan repayment plan changed. I continued to pay through XXXX. 

After speaking to a financial advisor and looking at all my documents they said that I have been paying XXXX companies for the same private loan. I was shocked and upset. I called Navient and they told me they had no record of a consolidation filed. I then contacted XXXX XXXX XXXX and sent Navient copies of the cleared checks they received and all of a sudden it showed up on their documents. When I last spoke with a representative from Navient they changed their story saying there was a consolidation and that what I have been paying for since XXXX is the interest due on the private loans. That makes no sense, because the consolidation from XXXX covered all my private loans thus I would have no accrued interest owed to them. I have contacted Navient saying I will not pay the rest of the balance because I have been charged by mistake, and sent them all the correct documents, yet they continue to call me everyday.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a matter of concern regarding the negative impact on my credit standing. This issue arose as a result of following the advice of a debt consolidation company, specifically the representatives of the XXXX oXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon seeking assistance from the debt consolidation company, I was advised not to make monthly credit card payments with the intention of allowing these accounts to close. The subsequent closure of these accounts has resulted in a significant decline in my credit scores. Furthermore, reputable financial institutions such as XXXX now have records of me being 90 days or more past due, despite my prior good standing. 

I would like to emphasize that prior to following the advice of the debt consolidation company, my credit accounts were in good standing, and I had a responsible track record of timely payments. The impact of this advice on my credit standing has been distressing and has caused significant inconvenience and concern. 

I have documentation and correspondence from the debt consolidation company, including details of the advice provided and the intended resolution through settlement with lower numbers on these accounts. I believe that this evidence supports my case and underscores the impact of the advice I received. 

I kindly request that you investigate this matter and make the necessary corrections to my credit report. I am committed to resolving this issue and restoring my credit standing to its previous favorable status. 

Thank you for your attention to this matter. I am available to provide any additional information or documentation as required. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account was already removed from my credit file due to fraud then it was added back onto my account. I have attached the paper showing it was deleted.
Product: Money transfer, virtual currency, or money service

Everything was going fine and smooth, but nowhere, today, automated system of PayPal imposed direct permanent restriction on my account without any detailed explanation of the issue. 

Reference ID : XXXX has been imposed and I believe this is made in an error. 

The phone support is behaving rudely, so I had no option but to file a complaint. 

Please check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times in XXXX, I was denied when I was trying to cash a payroll check. On XX/XX/XXXX I requested a Consumer File Disclosure Report from Certigy Check Services, to see why my attempts might have been denied. This report was prepared on XX/XX/XXXX, and I received it on XX/XX/XXXX. The report they sent me had the list of denied checks, but was missing the payments successfully made at XXXX 's ; based on the denial message, it seems that these missing payments contributed to the denial of my check cashing. On XX/XX/XXXX, I contacted Certigy to correct these errors. On XX/XX/XXXX, they prepared a letter saying that they determined that the information is accurate and complete as reported. I received this letter approximately XX/XX/XXXX. On XX/XX/XXXX, I called them to remind that I provided them receipts of these payments, and asking them what proof they needed in order to enter these transactions into their system ; I was told that I would be called back with this information. On XX/XX/XXXX, I received a call from a representative named XXXX, who acknowledged that the omissions might be due to transmission errors, and told me that Certigy has no mechanism of correcting an omission on the report.
Product: Credit reporting or other personal consumer reports

I'm actually writing this as a complaint regarding the hypocritical expectations of credit reporting agencies, specifically regarding opening new lines of credit. The credit industry increases your score only when you have good standing accounts and a low credit usage ratio. So raising your credit limit ( otherwise proving that you have said good standing with the company ) should only increase your score. The excuse that a " hard inquiry '' should temporarily lower your score, even though it's proving that you qualify for higher credit, is not only hypocritical, it's unethical in a country that is already struggling with personal debt. In addition, the suggestion that opening a new account should actually lower your " average '' credit history is ridiculous and only serves to further harm people 's financial stability. The first account opened is still the first account. Opening a new one doesn't change that fact. Making the length of credit history an average of when the accounts were opened is completely illogical. Credit reporting agencies should be held accountable for imposing hypocritical rules that make it so that if you do what they want and maintain good standing credit, as shown by the banks ' decision to grant you a new line of credit or increase your current limit, you are penalized for it. This is unfair, illogical, and, as stated, overall unethical. I'm sure this complaint will not make any difference, and I'm sure that the rulemakers care nothing for their impact on the rest of the country, basically everyone who isn't them. But it needs to be said regardless.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Date XX/XX/2022 To Whom It May Concern : I was just looking over my credit report and found some addresses that appear to be incorrect. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX Please remove inaccurate employers as well as listed below : TXXXX XXXX XXXX XXXX XXXX Please remove inaccurate phone number as well as listed below : ( XXXX ) XXXX Once you have deleted the inaccurate addresses, employers and phone numbers from my credit report, please send me a copy of my updated report. 
Thank You XXXX XXXX
Product: Debt collection

I have played all my collection accounts off how come there still on my credit report stating open account XXXX. XXXX. I paid off all of them. Its affecting my account I have sent many dispute letters and its still on there why.
Product: Mortgage

XXXX  of  XXXX   XXXX  approved a modification plan over the phone after ten months of applying and reapplying telling me the paperwork had not all shown up by fax. Only giving me the option to send by fax. I paid  five  modification payments  XXXX   XXXX - XXXX   XXXX  then received a letter telling me my I was disqualified for false reasons. Here is an article telling my true story of the mod from  XXXX .  XXXX  :  XXXX  Here is an article I helped write about the mod scam.   XXXX   XXXX     XXXX  This lead to my pro se case due to I could not find an attorney that would help me. The pro se case lead to me losing in an  XXXX  and losing my ability to protect my home from criminals trying to steal my home.  XXXX  ignoring the letter of FDCPA and the federal judge ignoring the same letter and all my pleas of help. Blocking my due process. I continued to send more FDCPA letters, RESPA QWR 's Homeowners Rights letters. Cease and Desist letters, TILA notices that were ignored.  XXXX   XXXX  and SPS sent  XXXX  to file judicial foreclosure in a non judicial state to skirt around my letters. Now I am in the Supreme court of Washington asking for review by my petition through an attorney. Blocked from most of my case being claimed and only being allowed to state no standing due to no evidence at the start of the case. No authentic note undated one copy no endorsement a second copy undated with endorsement. This has caused us extreme cost and extreme stress that I am surprised has not killed me. The judges ignor hearsay evidence in the lower courts and accept false affidavits and false notes with false assignments taking away our due process to protect our home. The courts have become collection agencies for crooks with no proof of being the lender or having authority to collect the alleged debt after pulling a criminal act of modification fraud on us. We are in danger of losing our home of ov er thirty five ye ars to crooked criminals. By affidavits by crooked lying lawyers representing these crooks.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has no proof the loan was deposited into the trust in  XXXX . Has not filed a copy of the PSA and claims to have actually committed securities fraud by an assignment to a REMIC seven years after the closing of a trust never finished or deposited to. The fraud assignment is in  XXXX .    XXXX
Product: Credit card or prepaid card

Reported problem to XXXX, about credit card account INDIGO that went into collection but the collection agency doesnt appear on my credit report and I have paid amount owed to that collection agency. Called XXXX XXXX XXXX. The agreement between me and indigo credit card was I pay velocity collections and they would forward proof to XXXX as paid and to delete from my credit report. On XXXX and XXXX it was done right and it doesnt show on my credit report. So XXXX is my problem they just dont know what there doing.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Debt collection from RADIUS GLOBAL SOLUTION was posted on my credit report for a debt of {$3600.00} for an account opened on XX/XX/XXXX with original creditor XXXX. Collection of this debt was requested in early XX/XX/XXXX. I disputed the account through XXXX to have it removed from my account on Thursday, XX/XX/XXXX and it was subsequently removed after investigation. Report # XXXX. 

Filing report with FTC/CFPB for documentation of this event. Have previously had other accounts ( e.g., credit card ) opened in my name in the past as well also subsequently removed after dispute with XXXX and filing several police reports in the various cities/counties I lived at the time. Have previously had my personal information stolen ( real ID, bank account # s, phone number, etc. ) and used for these various purposes, all reported to XXXX, my bank, and the various police fraud units.
Product: Mortgage

Called on early Friday afternoon- XXXX XXXX to refi using a fha stream line, and XXXX XXXX was supposed to work with me stating this wouldnt be a problem. The minute I said I would work with him he locked the file so no one else could look or work on it. I know this bc when XXXX ignored numerous calls I went to see if someone else could help. Obviously they couldnt bc he locked it but seemingly isnt working in it. He Promised to get back as supposedly he was working on it Friday night - but said hell get back on Saturday. Never did. Said if not Saturday then for sure Monday - never did. I left him a vm On Saturday saying that I had ppl coming to look at the house Monday because if I couldnt refi I would sell. And if you could please get back before I had to let people with possible Covid 19 in my house. I told the realtor to hold off bc I never heard from him and now shes saying that bc XXXX XXXX is coming that would affect me thanks to XXXX not getting back as promised. If he cant get this done bc it was supposed to be pretty much no docs involved then he needs to unlock it so someone who Is willing to help in a Timely manner without lying and ignoring can do so.
Product: Student loan

Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

It has be XXXX  days since I have sent a notice to experian regarding the removal of the following account XXXX XXXX XXXX  Account Number : XXXX and I have yet to hear back from them. In my dispute letter I had mentioned that I was opting out of the reporting pursuant to 15 USC 6802 and 16 CFR 313.7 - Form of opt out notice to consumers. There has been no response and the information is still on my consumer report which tells me that they are willfully not complying with the Fair Credit Reporting Act. This is a huge violation of my privacy and I demand justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I JUST CHECKED MY CREDIT REPORT FOR THE FIRST TIME IN A WHILE I HAVE LATE PAYMENTS ON MY ACCOUNT THAT ARE INACCURATE MY PAYMENTS ARE DEFERRED SO I SHOULD SEE NO LATE PAYMENTS REPORTING FROM XX/XX/2016 AND XX/XX/2016 I HAVE FILED A DISPUTE NOTHING HAPPENED.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I checked my credit report today and saw accounts that shouldnt be there. Im so careful with my checks, and suddenly, there are all these errors. I refreshed the page, hoping it was a one-off glitch, but the inaccuracies stayed. Im asking that my documents be fully reviewed so I can put this issue behind me once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX XXXX XXXX, XX/XX/2022 & XX/XX/2022 listed late payment
Product: Credit card

I tried to purchase some items with my XXXX that is through Comenity Capital Bank. I was approved in store at XXXX with the highest interest rate of XXXX % due to my credit worthiness, I made a purchase and paid off the balance long before the due date. I had made some more purchases at the store not more than 2 or 3 weeks later and was under the assumption that my credit card was in good standing. Then I get a letter in the mail from Comenity Capital Bank on XX/XX/2017 telling me that I did not qualify for a lower interest rate on my account but they were excited to serve me as an XXXX card member. This letter is dated XX/XX/2017 and they had pulled my credit score on XX/XX/XXXX from Equifax with a score of XXXX. I tried to use my card on XX/XX/2017 at XXXX different locations and they all denied my transaction. I called the card company to find out that they had closed my account. I talked to a supervisor named XXXX from Comenity Bank who said her name would be in their documents if I needed to prove I spoke to a supervisor who gave me some answers after I had called the company 3 previous times the same day. The supervisor told me that they get their credit score from XXXX, even though the letter they sent me said their credit score was pulled from XXXX and told me that they had pulled some more information from all XXXX credit reporters and told me that the they reviewed my account, " audited '' my account and closed it on XX/XX/2017. I have checked all my credit reports and they all say that for XX/XX/2017, my accounts with Comenity Bank were in good standing. The supervisor also told me that the letter I received was sent in error and that no scores were actually pulled, but the fact that I have proof of a credit score number on the letter they sent me shows that the supervisor was not telling me the truth. All the bank keeps telling me is that I need to wait for the mail in order to know more about why they closed my account because they claimed to have no access to any records of why my account was closed even though they were the bank that closed my account. When I first had called, a representative had told me that there were notes on my account strictly stating to not re-open it. When i talked to the supervisor, she said that there was no way for them to re-open the account and that it was permanently closed and that there was nothing more she could tell me or do. She told me I would get a final bill, which I already paid off today on their bank website after getting off the phone with them, and their bank website still shows my account as completely active and does not indicate any issues. The only good thing to come from all this is that my XXXX credit report shows a hard inquiry from another credit card company that was never placed and am currently disputing it right now.