23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loans were forgiven in XX/XX/2020 by fed loan servicing. For some reason the company intentionally or in error removed the loan completely as a trade line on my credit report. I asked them to please re report to the three credit bureaus reflecting paid in full, satisfied with no late or missed payments. The credit bureaus have no evidence fed loans has done this. In fact XXXX  said if they had in fact done this it would have posted same day. Fed loans is dragging their feet and not helping me and they made the error by removing not completely as a trade line. This affects my credit score. I simply ask that they resubmit showing paid in full, satisfied with no late or missed payments. Thanks.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and for over a year, I have been disputing several fraudulent accounts that have been incorrectly reported on my credit reports. Despite submitting multiple written disputes to TransUnion, XXXX, and XXXX, these accounts continue to be inaccurately verified as legitimate. Additionally, the credit bureaus have falsely claimed that I am using a credit repair company, when in fact, I have personally sent all dispute letters. I have attached evidence and account details below to support my claim. 

Here is a list of the fraudulent accounts I am disputing : XXXX ( XXXX XXXX  ) ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$1200.00} Balance : {$1500.00} Status : Collection/Charged off, disputed by consumer. 
Last Reported : XX/XX/XXXX. 
Comment : Consumer disputes account, meets FCRA requirements. 
XXXX ( XXXX XXXX  ) ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$780.00} Balance : {$780.00} Status : Collection/Charged off, disputed by consumer. 
Last Reported : XX/XX/XXXX. 
Comment : Consumer disputes account, meets FCRA requirements. 
XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$1000.00} Balance : {$1000.00} Status : Charged off as bad debt, dispute resolved by credit grantor. 
Last Reported : XX/XX/XXXX. 
Comment : Dispute resolved, reported by subscriber. 
XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$540.00} Balance : {$540.00} Status : Charged off, account closed due to inactivity. 
Last Reported : XX/XX/XXXX. 
XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$490.00} Balance : {$490.00} Status : Charged off as bad debt, account closed due to inactivity. 
Last Reported : XX/XX/XXXX. 
Comment : Dispute resolved, customer disagrees. 
XXXX XXXX XXXX ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$580.00} Balance : {$580.00} Status : Seriously past due, collection account assigned to attorney/agency. 
Last Reported : XX/XX/XXXX. 
Comment : Consumer disputes account information, account assigned to collections. 
XXXX ( Original Creditor : XXXX XXXX XXXX  ) ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$960.00} Balance : {$960.00} Status : Charged off, account in collections. 
Last Reported : XX/XX/XXXX. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) ( Account ending in XXXX ) : Opened : XX/XX/XXXX High Credit : {$960.00} Balance : {$960.00} Status : Charged off as bad debt, account in collections. 
Last Reported : XX/XX/XXXX. 
Comment : Account information disputed by consumer, meets FCRA requirements. 

I have made multiple attempts to resolve these issues directly with the credit bureaus, but they have failed to adequately investigate or provide documentation validating these accounts. These fraudulent accounts have significantly impacted my credit score, and I am seeking the CFPBs assistance in removing these items and ensuring a proper investigation is conducted.
Product: Money transfer, virtual currency, or money service

Trying to login with XXXX app but td is blocking it
Product: Credit card or prepaid card

XX/XX/XXXX a payment of XXXX was made for services that were never rendered. Within 90 days from the payment date a dispute was opened with American Express on XX/XX/XXXX regarding my dissatisfaction the services we did not receive. As the issuing cardholder I uploaded documents and stated the case that under the FTC I was dissatisfied with the Quality of Goods and Services I did not received from this merchant. The credit that was posted was recharged on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my credit report I saw a few fraudulent accounts on my report. I have been trying to remove them but I was unable to remove them. Please help me remove the accounts.
Product: Student loan

on XXXX/XXXX/XXXX ACS did a direct Consolidated Subsized and unsubsized loan replacing our FFEL consolidated loan from XX/XX/XXXX. 30 days later it reverted back, with ACS to a FFEL consolidated loan. We have been paying on this loan for over 10 years now with ACS unware, and assuming it was a direct consolidation loan. We have since applied for Public Service Forgiveness to find that it was only a Direct Loan from XX/XX/XXXX-XX/XX/XXXX ... less than 2 months. We have NO IDEA WHY? We do not qualify for forgiveness or can not use our 120 payments because it was never a Direct Loan consolidation. Know one can seem to explain to us why it reverted back 60 days later. This error, or change will cost us dearly. Please refer to attachments to see our payments and the Consolidation history on our Financial Aid summary and how we this can be remedied. We qualify in every other aspect.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with  XXXX   XXXX   XXXX  in  XXXX   XXXX   XXXX   XXXX  charged-off and sold this account to  XXXX   XXXX   XXXX   XXXX . The  XXXX   XXXX   XXXX  account is still reporting on my credit file with all credit reporting bureaus.  XXXX   XXXX   XXXX  is not reporting that once the account was sold to  XXXX   XXXX   XXXX , it was settled and paid off. Also,  XXXX   XXXX   XXXX  is not reporting how long this account will be reported to the credit bureaus. In otherwords, the portion of the accoount listing that says " On record until '' is missing for this  XXXX   XXXX   XXXX  account with Experian,  XXXX , and  XXXX .   XXXX  I wrote  XXXX   XXXX   XXXX  in  XXXX   XXXX  but have not received a response.
Product: Credit reporting or other personal consumer reports

My personal information has some how been compromised which has led to fraudulent accounts being listed on my credit report by the CRAs. This issue has been brought to my attention as of XXXX XXXX XXXX5. Ive followed up by declaring identity theft. I would like these accounts completely removed from all three bureaus on my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX WI XXXX This address is incorrect information and is a violation.
Product: Credit card

I have a opened account from capital one XXXX  XX/XX/2020 it was opened without my consent
Product: Debt collection

This company is claiming I owe a debt to them in the amounts of {$500.00} & XXXX, but I have never done any business with them. I have written letters to the company asking for verification of any information bearing my signature that states I owe them. They have yet to provide me this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

We've had this credit card since XXXX. We got the card as newlyweds to start building credit to buy a home. We always paid our bills and had nearly perfect credit. In 2012 we used the card to help our son open a XXXX. Six months later, he unexpectedly passed away in a vehicle accident. We lived 5 hours away from the bakery, and hired a new XXXX who ran the business into the ground. We kept it going until 2014, but finally had to close. Our income was low, and we just couldn't continue paying the credit card payments. We called Chase and tried to see if we could work something out to settle our balance. They had already closed the account. However, it continued to show up on our credit report and dinging our account in the years since.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ).

1. Please Remove inquiry From My Report. 
XXXX XXXX Date of inquiry : XX/XX/2021 2.Please Remove inquiry From My Report. 
XXXX XXXX XXXX. 
Date of inquiry : XX/XX/2021 3. Please Remove inquiry From My Report. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 4. Please Remove inquiry From My Report. 
XXXX Date of inquiry : XX/XX/2021 5. Please Remove inquiry from my Report. 
XXXX Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus have ignored my request for their methods of verification regarding accounts that are inaccurately reporting on my credit report. I am aware that according to the FCRA the Bureaus are required to provide such methods if requested by the consumer. Instead they choose to blatantly ignore me and my request all together forcing me to take additional measure such as filing a complaint. 

I'm exhausted and simply want to correct any errors and inaccurate reporting on my credit report but they aren't conducting real investigations. They're only providing automated responses which is doing harm to my credit because I am not able to have these issues resolved.
Product: Mortgage

My wife and I have top tier credit and applied for a loan, we were pre approved and the barrage of sending information began, they wanted everything imaginable, all the way up to the point of asking for a letter from my wives employer that her tips would not change? Thats after sending a form for them to fill out and be reviewed by a supposed independent company. Everything was fine supposedly according to XXXX XXXX.processor Usaa. Well the closing date came and went XXXX XXXX, they said we need a new closing date the XXXX, that came and went, then I called and spoke to another processor that said the date had been moved to the XXXX. Well friday afternoon XXXX XXXX I receive a call from XXXX XXXX that my loan was declined because of debt equity. This is based on the tax returns I originally sent, it took till 4 days after the closing to tell me that. Since the inception of our loan process we sold our current home and will have XXXX available to put down, So I told them well the house is XXXX we have XXXX to put down, house appraised for XXXX. So can we get that amount approved? This is after no longer dealing with XXXX XXXX but working with manager XXXX, XXXX and Director XXXX XXXX. Today is XXXX XXXX I am still not approved and my seller no longer wants to wait for my approval. So I wish I could sue for damages somehow, I am out thousands of dollars and sold my current home and now have to look for another house. Shame on USAA mortgage for doing this to us.
Product: Debt collection

I am writing about yet another complaint against Apex Asset Management regarding a debt collection letter I received on XX/XX/year>. This letter threatens legal action in a manner that I believe constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, the letter violates Section 807 ( 5 ) of the FDCPA, which prohibits false threats of legal action if such action is not intended or can not legally be taken. The language used in the communication was misleading, harassing, and threatening, causing undue stress and confusion. 

Additionally, I have submitted an application for financial assistance through XXXX XXXX XXXX XXXX ( XXXX  ) for the debt in question, but I have not yet received a response from XXXX regarding my application. I intend to resolve this matter directly with XXXX once my application is processed. Despite this, Apex continues to engage in collection efforts.

I am particularly concerned that Apex Asset Management may take legal action or report adverse information about this account to credit reporting agencies while my application for financial assistance is pending. Such actions would further violate my rights under the FDCPA.

I respectfully request that the CFPB investigate Apex Asset Managements practices to ensure compliance with federal debt collection laws. Additionally, I seek confirmation that Apex Asset Management will : Cease all collection activities related to this account while the XXXX application is under review. 
Refrain from making false threats of legal action or reporting adverse information about this account to credit reporting agencies. 

If nothing is/will be done I have no problem pursuing legal action to ensure my rights are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account # XXXX Amount {$6300.00} Account name : XXXXXXXX Account # XXXX Amount {$5000.00} Account name : XXXX XXXX XXXX Account # XXXX Amount {$5300.00} Account name : XXXXXXXX XXXX  Account # XXXX Amount {$1600.00} has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy.
Product: Credit reporting or other personal consumer reports

While looking over my credit report and I saw inaccuracies and inconsistencies in the information shared to XXXX, XXXX and Equifax by XXXX XXXX. 
This account is negatively impacting my ability to acquire credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get XXXX  to change my credit report accounts that are NOT mine due to identity theft and data breaches, my aliases, addresses I have never lived at, and other SSN 's that do not belong to me since XX/XX/2018. I have sent them my information on five separate occasions and because THEY are spelling my name wrong, the information ( Driver 's License, Social Security Card, Police Report, FTC Report ) NONE of this sensitive information is going into my file. It is being filed as, " There is no credit report on this person ''.

I want them to CHANGE MY NAME ON MY CREDIT REPORT AND FIX ALL FRAUDULENT ACCOUNTS
Product: Mortgage

I requested relief due to the Covid 19 and was told that I didn't qualify due to my mortgage arrearage was more than 6 months delinquent.
Product: Credit card

I made a purchase for a lifetime XXXX membership on the website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$100.00}. At the time of the purchase, the website was relatively new, and the lifetime membership was part of their offering. However, within a week of my purchase, the company changed their membership criteria, introducing a monthly and yearly subscription model. My account was subsequently downgraded from XXXX to a free tier without my consent or any prior notification. 

I immediately reached out to cohesive.so to inquire about the downgrade and to request either a refund or reinstatement of my XXXX membership. Despite several attempts to contact the company, I have not received any response. 

After receiving no assistance from the company, I filed a dispute with XXXX, through whom I had made the purchase. Over the past year, I have spent countless hours speaking with XXXX customer service representatives and supervisors. Each time, I was asked to provide documentation, which I did, including screenshots showing the downgrade of my account. 

Despite providing evidence, XXXX has consistently reversed the dispute after XXXX months without giving me any explanation or supporting documentation from the merchant. As of now, the {$100.00} charge remains, and I have not been given any refund or resolution. 

I am seeking a full refund of {$100.00} due to the fact that the service I paid for was downgraded to a free version without my knowledge or consent shortly after purchase. 

**Desired Resolution : ** I request a full refund of {$100.00} or reinstatement of the lifetime XXXX membership as originally purchased. 

-
Product: Credit reporting or other personal consumer reports

There are several fraudulent inquiries showing on my credit report. I did apply for some cards around this time, but these were not any that I applied for. 
Equifax is fraudulently reporting : XXXX ( XXXX ) on XXXX ; XXXX XXXX XXXX  XXXX on XXXX ; XXXX XXXX XXXX on XXXX. 
XXXX is fraudulently reporting : XXXX XXXX on XXXX. I have reported these to the credit card companies as well as to Equifax and XXXX, and was told on XX/XX/year> to report the fraud through the FTC, which I have done, as well as report here.
Product: Checking or savings account

On XX/XX/2021 my personal information ( phone number, ssn, home address etc ) was compromised by an unknown person whom I will call hacker. 

The hacker accessed my banking app with the information he obtained. 
At the same time I was calling wells fargo multiple times in order to lock and freeze my account and stop anyone from accessing the funds, but the workers from WellsFargo were not very effective at protecting my account and the hacker continued to have access to my card and account, The hacker then transferred money in my account to different crypto currency platforms such as coinbase, crypto.com, and XXXX. Also the hacker used XXXX to transfer money to someone named XXXX whom I do not know. The hacker also used atm from different locations and withdrew thousands of dollars. When I finally had access back of my account from visiting the branch in person I saw unknown phone number registered on my WellsFargo banking applicatoin. ( all will be attached as files ) Even with my full effort to stop this from happening the damage was done. So I filed police report and soon was able to have detective investigate my case and is currently going on. 

I have requested reimbursement of this fraud to WellsFargo but they rejected saying that they think it is me that did this. 

The response from WellsFargo was very unexpected since this is a very obvious case of fraud and they have record of me constantly reaching out to them to stop this from happening. I had no idea who I needed to contact for help then found out about CFPB. 

Please resolve this case for me, I will provide any additional information needed. Also all attachments that I have will be uploaded with this ticket. Thank you.
Product: Credit card

Company stated that the defective purchase exposed wiring was fixed and credit card company refused to received the email instead slammed me and said send the full balance or offer is void from the deceptive advertising and just closed my complaint with no resolution from.my protection no resolution from the defective product solicits from their store.
Product: Credit card or prepaid card

I am waiting for a refund from XXXX XXXX XXXX {$440.00} and {$340.00} XXXX sent to my canceled Chase XXXX visa card ending in XXXX. 

Nobody I contact on Chase support via phone is able to locate this credit card, likely because the card was closed in 2019. 

Chase is unable to locate my account and unable to verify to XXXX that they did not receive a refund. Chase has told me numerous times that they would look into this for me but I have never received word back from Chase. Chase phone reps have stated that they can not and will not issue any communication to XXXX regarding the status of any rejected refunds issued in my name, nor will Chase be willing, according to the many phone reps I have had to speak with, to do a three way call with myself, Chase, and XXXX. I expected much better from the world 's largest retail bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

For recording keeping, this is my XXXX letter to you. I am requesting an independent investigation into the following accounts, because they are reported inaccurately and need to be removed. My credit report was pulled from XXXX, and I see multiple entries that are wrong and hurtful to my XXXX XXXX My goal is to refinance my car loan so that I can have a lower interest rate. 

Please investigate each of these accounts to ensure the accuracy of my entire credit report. I would appreciate a new credit report be sent to me, detailing the outcome of your investigation and any deletions or updates per my below. 

XXXX XXXX Account XXXX XXXX XXXX The date last active is different across the XXXX credit bureaus. XXXX date last active states XX/XX/XXXX. Experian date last active states XX/XX/XXXX. XXXX date last active states XX/XX/XXXX. 

XXXX XXXX XXXX Account number : XXXX The high balance is different across the XXXX credit bureaus. Experian high balance state {$0.00}. XXXX high balance states {$0.00}. XXXX high balance states {$1000.00}. 

XXXX XXXX XXXX XXXX Account number : XXXX Experian XXXX I have a 30 day late payment on XX/XX/XXXX. I paid on time XX/XX/XXXX.