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

Bought a shirt at XXXX, XX/XX/2016 at a local shopping store for a business meeting. Lady at checkout asked if I would like a discount and would just need a few pieces of info, 10 minutes later she is still filling out the form and asked why she needed my Social Security Number and proceeded to tell me that its standard to create an account and never once told me she was signing up for a store credit card and pulling my credit. 

Have called XXXX XXXX and closed the account. 

Looking over my report this account still shows up, and should of never been there in the first place.
Product: Debt collection

I've a debt validation letter to XXXX XXXX on XX/XX/year> Account number : XXXX. It has been over 30 days without a response. My current address was provided on the document that was sent to the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

>>CONSUMER COMPLAINT <<<

                                        

              EXPERIAN CONSUMER ASSITANCE SPECIAL SERVICES (CASS)

Dear CFPB:

        Pursuant to USC Title XV Consumer Protection Act 1681 the Fair Credit Reporting Act and the laws of Connecticut. Experian failed to check the veracity and accuracy of information before reported recklessly and intentionally failed to conduct data quality test and use reasonable care in the course of doing business. Violating the Fair Credit Reporting Act Title 6, Section 607 (b). failing to follow reasonable procedures and run data quality control checks on consumers file particularly accounts listed as XXXX, XXXX XXXX.

        EXPERIAN performed its obligations in a willfully, reckless and illegal fashion in violation of the Act and failure to maintain reasonable procedures and conduct validity and accuracy data quality checks to avoid violations of 605 of the Fair Credit Reporting Act and Fair and willfully ignoring provisions of the Fair and Accurate Transactions Act.

        EXPERIAN knowing the conduct of there business supervised, monitored and further communicated credit account information to creditors, redacted account history on numerous student loan accounts after consumer disputed inaccurate address information supplied by creditor, and placed additional disputed accounts in certain codes to not allow consumer to further dispute online without contacting EXPERIANS consumer assistance special services division (CASS), a legal division in their dispute center. Experian willfully placed consumer file in a department who was hostile to consumer. Consumer alleges unscrupulous activity by their consumer assistance special services representatives, acted in concert and joint venture with others at EXPERIAN to retain inaccurate account and data information, status and caused further pollution into consumer credit file and periodic damage to XXXX and XXXX scores.

        Experian manipulated information, intentionally communicated false information, altered changed and entered codes un-rating accounts, entering false negative account history, and deleted XXXX credit card and then removing such adverse data unknowingly by consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XX/XX/XXXX ) ( XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 


FRAUDLENT ACCOUNTS : 1. ) XXXX -Account Number : XXXX XXXX. ) XXXX Account number : XXXX XXXX. ) XXXX- Account Number : XXXX XXXX. ) XXXX Account number : XXXX XXXX. ) XXXX Account number : XXXX XXXX. ) KOVO INC -Account Number : XXXX XXXX. ) XXXX -Account Number : XXXX XXXX. ) XXXX-Account Number : XXXX HARD INQUIRIES : 1. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX XXXX Date of inquiry : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 4. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

Collections representative working on behalf of Check Into Cash called my ex wife and told her that I may have committed fraud and that they were looking for me, even though this debt and the checking account in question were either acquired after our divorce or before our marriage, in clear violation of Section 805 part b of the FDCPA.
Product: Credit card

I have been trying to get my credit card for an account I opened with Citi Bank for months now. I used the card for a balance transfer when I opened the account, and I've been calling weekly and have been told a different reason every time as to why I haven't received my card. I have also been told weekly that I haven't missed any payments and don't have any due until XXXX, which i found out today were blatant lies and when trying to pay the card they re routed my to the system asking for my card number. When i asked how i could make payments without my card I was told " call the number on the back of your card '', and every verification system they have requires the card they wont send to me, so now apparently i might have late payments and they are not providing a single way that I can actually make them. I also have no way to access my account and even see my payments without my card.
Product: Student loan

I was told my loans will be paid off in full on my current plan by XX/XX/XXXX which is XXXX years after I started repayment, and there is no way they will be. I have been paying what seems to be nothing but interest as my principle balance has not moved. I have called to confirm the XX/XX/XXXX payoff and they always say it is accurate. I feel like I am being scammed because I never see my principle balance drop. 

I got student loans in hopes of having a higher earning potential. I graduated in XX/XX/XXXX admidst the worst financial collapse certainly of my life time with very limited jobs. Came ou of college making XXXX a year with a XXXX monthly student loan payment. I currently make more but now with a wife and XXXX children work 60-70 hours a week just to pay the bills. I got student loans to get a better job and be able to live a great life, not cripple me with debt and have to struggle to get by and not even make a dent in the balance. 

I did n't qualify for any assistance or help because my parents made to Much money and they said my '' anticipated family giving '' did n't allow me to get any grants/assistance when in reality I paid every single penny of my college experience with no help from my parents. Now, almost 10 years post graduation I still owe almost XXXX just to navient ( and that 's not even considering the XXXX I owe XXXX for student loans ). Student loans are a scam and if I could do it all over I would have joined the military or learned a trade. 

This has been and will be the worst decision of my life. It has stalled everything. All the things I have ever wanted ( but a home, live debt free, have a comfortable life ) has all been stalled by this devastating debt that seemingly will never go away. 

WORST decision of my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly consider this as a follow-up to my previous complaint which contains accounts that are erroneous and misleading, and I want the accounts to be removed as soon as feasible. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I requested a mediator from American Express XXXX months ago regarding them removing XXXX points from my account, unlawfully and against their own terms and conditions. 
I have not been granted a mediator, and I am considering taking personal legal action. 

I expect a mediator to review my account and the paper claim I submitted to you guys 2 months ago. I expect this to happen in an appropriate timeframe and I expect a call back from someone on this letting me know that the mediator is working on it and a realistic timeframe. Keep in mind I have already been waiting 2 months. this is unacceptable. I used to love my relationship with amex but this has been horrible. You guys are treating me just awful and not even granting me a mediator even though I followed the steps. Please do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$8300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the items below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The company demands invasive questions regarding private matters well beyond XXXX  requirements.
Product: Checking or savings account

COMPLAIN It was XXXX of XX/XX/XXXX I tried making a withdrawal and was referred to the fraud department so I couldn't make the withdrawal that very cos the told my account was hold so after that day on the XXXX XX/XX/XXXX I received an email stating that my account with Citibank has been closed and the remaining balance of {$35000.00} will be mailed to my address in 30/60 days time so I waited for 32 days still didn't hear a word from Citibank so I called the executive of the Citibank after the conversation with them on the XXXX of XX/XX/XXXX I received an email telling me I should wait for 15 calendar to get the issues resolved I waited for the 15 calendar days and on the completion of the 15 calendar days which was on XXXX XX/XX/XXXX got a email from Citibank executive asking me to wait for 30/60 days to get the issues resolved so I had to send them an email on the XXXX XX/XX/XXXX letting them I'm 51 DAYS gone from the first 30/60 I was told earlier to wait on, now asking them if I had to wait for another 30/60 days again to get before I they can get the issues resolved and mail me a check of my remaining balance of $ XXXX that is my before the closed it and on the XXXX XX/XX/XXXX I received an email from Citibank executive demanding I should wait for another 30/60 days before they could reply to the question I asked them via email on the XXXX ..... So I noticed they are just to buy more time just to keep my money with them cos they aren't giving me any positive response as regards to my questions.
Product: Mortgage

In XXXX of this year I originally reached out to XXXX XXXX, certified housing counselor at the XXXX XXXX XXXX   XXXX XXXX in XXXX, NJ. XXXX helped me file the necessary paperwork with Wells Fargo to modify by home equity line loan. Due to financial hardship I had fallen behind on my payments and wanted to see if I could receive a loan modification and interest rate reduction and get back on track making my monthly payments. While XXXX was sending in my papaerwork to Wells Fargo I received a loan modification package from Wells Fargo with a contact person named XXXX XXXX XXXX. They were asking me for information that I had already provided to XXXX and was confused on who I should work with? XXXX advised be that it was ok to work directly with the lender and he would step back and let them complete the process. I then received an email from a XXXX XXXX XXXX ( Wells Fargo rep ) asking me for more information beyond what I had already send to XXXX. I provided the information via email to Ms. XXXX and asked her if she was the same person as XXXX XXXX XXXX. I got no response. I followed up with email to Ms. XXXX asking her to confirm that she received my information and was processing my modification request. I received an auto response email from Ms. XXXX that she was out of the office and would be back in a few days. I send a second email asking her if she was the same person as XXXX XXXX. No response. I then sent another email asking Ms XXXX to give me an update on the status of my application. Again not response. On XX/XX/XXXX, I reached our to XXXX XXXX and asked him to help me with this situation as I was getting extremely frustrated. I had provided Wells with all of the information that they has requested, hundreds of pages of documents, with no follow up. XXXX XXXX advised me that my case with Wells Fargo was closed have me the name of your agency and advised me to file a complaint. In the meantime I now am dealing with XXXX again to help me reopen my case with Wells . I have printed documentation of my email communication with XXXX XXXX and Wells Fargo representative XXXX XXXX. I would like to send this email history to your department. I am extremely frustrated with this process and feel that I did everything I was asked and provided the necessary information to Wells Fargo. My time is valuable and I dont have time to waste.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information being reported on my Equifax credit report. I disputed the following and was never contacted by XXXX of their investigation : Account Type : Collection - this is not a collection Open/Closed- This is left blank, however it is a closed account Term : Missing information Paid Off : Missing information Past Due amount that was paid : Missing All of this information should be corrected immediately or remove this negative account from my credit file!
Product: Checking or savings account

On XX/XX/2024, I used an XXXX ATM at my local XXXX XXXX to complete several withdrawals from my Chime Checking account. At XXXX XXXX  I requested a {$300.00} withdrawal. The money was dispensed from the ATM, however, I had to use my phone for a moment and the money was retracted. A message appeared on the screen that advised me to contact my bank. Immediately I did and was informed itd be credited back to my account once the transaction settled. ( The {$300.00} was never credited ) On XX/XX/XXXX, I reached out to XXXX customer service in attempt to resolve the issue and was told to contact chime to submit an EFT dispute. I did so. 

On XX/XX/XXXX, I received an email stating my dispute was denied. I immediately contacted Chime and spoke to a representative who submitted a rebuttal on my behalf. At this point of contact I requested information about the denial of the dispute as well as a copy of the receipt I provided. As of yet, I havent received any information, updates, or my funds.
Product: Student loan

In XXXX of XXXX, I was notified when I logged into my loan servicer, FedLoan Servicing, that the policies regarding the XXXX XXXX XXXX XXXX XXXX had been changed to make payments easier for those making payments to qualify for the program. I read on about this on my servicer 's site and, wondering if any payments I hade made outside of the grace period in the past would now qualify, I wanted to learn more. I was led from FedLoan Servicing to the Federal Student Aid website, which notified me that the loans I had through XXXX XXXX XXXX now could qualify for forgiveness, as they had not before, if I reconsolidated my loan. I did this. 
After doing so, I had submitted the XXXX & XXXX Certification and Application after my current employer filled out their requered information. I faxed this to the U.S. Department of Education-Fedloan Servicing on XX/XX/XXXX. I was then notified in XXXX that they had received this information, however, that my loan was also approved to be reconsolidated with my current loan through FedLoan along with my American Education Loan, bringing my total owed amount to {$52000.00}. This was fine, however, in XXXX I had received another letter stating that the loan that was reconsolidated now no longer counts for the past XXXX  years, and that my considered forgiveness date, if qualifying for the XXXX XXXX, would be XXXX. 

I have been in repayment at my current non-profit position for the last going on XXXX  years. For the last XXXX years, my payments would have counted towards the XXXX XXXX, leaving me at being able to potentially have my loans forgiven XXXX. I was not aware in any shape or form that, while being notified my AES loan could qulaify for the program now under the new policies, that reconsolidating this along with my already current qualifying loan would start my entire process over, leaving the last XXXX  years of payments not mattering at all. With discovering this, as I had previously stated, I have attempted to contact FedLoan several times to no avail. I work a full-time position to where I can not be on hold for hours at a time. When given the opportunity to get a call back and keep my place in line, I opt for this option, however, the message will start over again and to no avail, this is really not an option that is successful. It just continues playing again and again despite selecting that option. I have emailed FedLoan XXXX  now, XXXX  on XX/XX/XXXX and XXXX  on XX/XX/XXXX. 
I believe that the information presented about the program was not clear, and that this information led me to make a decision that affected the last XXXX  years of payments, and is unfair to not only me but anyone else that has possibly experienced this. 
I have all letters I received throughout this process and copies of the emails I had sent to FedLoan servicing. I also have the letters that state which of my loans in the past had qualified prior to submitting my most recent recertification form.
Product: Debt collection

XXXX, Transunion, and XXXX have been reporting on my personal SSN credit report a collection account from XXXX XXXX XXXX from a fraudulent transaction I disputed on my XXXX XXXX Credit Card. For over two years, XXXX XXXX XXXX had harassed me via phone calls calling to collect a debt that I did not create or owe. The reporting agencies and the creditor mentioned above have been put on notice multiple times via mail for violating my rights Fair Credit Reporting Act and other laws that govern every consumer in America. The past few years have been a nightmare with no successful credit applications being processed due to these collections negatively impacting my report. Reporting wrongful information on ones credit report is a violation of 15 USC 1666 where its states that a company has to conduct an investigation and remove the account in the event that the information is determined to be an error. The reporting agencies successfully removed the report from my report for one month and then successfully removed the collection from my report only to have it added on again. Aside from the the original creditor, XXXX XXXX XXXX, continuing to sell my information to 3rd parties reporting agencies, a violation under 15 USC 6802 Obligations with respect to disclosures of personal information, they also violated my rights by never having sent me a opt out form allowing me to opt out of any reporting of these accounts onto my credit report. For these reasons, I would like to file a complaint against these companies for their damages due to their unlawful acts and unfair practices. Their use of my information is not authorized and has been made known to them in several written notices of the course of the past year attempting to have the false information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit card

I've consistently made sure payments are made on time for this account, never allowing them to become overdue. I'm uncertain about why there are reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.