23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX I checked my credit karma and found a credit report from an unfamiliar company. Spring Oaks Capital LLC that an account opened in XXXX [ 3 months prior ] had a derogatory mark and {$1200.00} was sent to collections. The original creditor XXXX XXXX XXXX did not respond to any calls. Their phone went dead every single time I tried to contact customer service. The buisness is located in Ohio. I have never been there in my life and I live in New York. I have no clue how a credit line could be opened under my name without a single phone call or peice of mail sent to my house. I believe I am a victim of identity theft. I have not opened a credit card/line since XXXX. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Reporting of Inaccurate Information by TransUnion Dear CFPB, I am writing to formally report an issue regarding TransUnion, which continues to report inaccurate information related to my XXXX account. This account was paid off in full on XX/XX/year>. Despite this, TransUnion is still reflecting this account as {$190.00} which is inaccurate reporting of this accounts status.

I am attaching documents that confirm the account has been paid off in full. Additionally, I wish to bring to your attention that TransUnion has been accessing my credit report without my written consent, which is a violation of the Fair Credit Reporting Act.

This situation is unacceptable and clearly violates my rights under the Fair Credit Reporting Act. I would appreciate your assistance in addressing this matter and ensuring that TransUnion corrects their reporting.

Thank you for your attention to this important issue. I look forward to your prompt response CFPB ACCOUNT IS PAID OFF Sincerely
Product: Checking or savings account

I submitted a claim for the transaction below and the bank denied my claim. 
They deemed me responsible for transactions that I did not make or know of who could have made these transactions. 

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: Student loan

My loans were with XX/XX/XXXX. I was eligible for PSLF and applied for that within the appropriate timeframe submitting proper documentation. 
Although there was not a large balance on my loans by that time, that was because I had been paying on them during the majority of XXXX. 
PSLF protocol indicated that I would be reimbursed appropriately for payments previously made that were appropriate to public service loan forgiveness guidelines. 
If needed, I can pull myXX/XX/XXXXphone records showing how many phone calls and hours I spent on the phone with Mohela and XXXX. I can also provide copies of many emails. And I can provide evidence of payments deducted from my bank account monthly during the pause. 
By phone Mohela stated that they could not see evidence of the PSLF and advised patience for everything getting switched from XXXX. In XXXX I got an email from Mohela thanking me for my public service, etc. and that they would be handling the PSLF. No email following that referenced successful processing of that PSLF. 
I have a list of emails from Mohela which contradict one another : in XXXX : " you have paid in full '', but in XXXX : " your {$5.00} payment begins ''. 
I called XXXX today and was told that they show my loan balance is XXXX, but they can't see if that is because I paid it all off myself or if there was forgiveness. 
Now my credit score is even showing loan payments owed by me! 
The resolution I am seeking is to have the rightful reimbursement of the amounts I paid above and beyond my requirements under the PSLF guidelines. I have been providing faithful public service, and deserve to have this situation put right. Thank you very much. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am reaching out regarding a challenging situation with a money transfer. In XX/XX/year>, I used Ria ( https : //www.riamoneytransfer.com/ ) to send {$2000.00} to support my family back home in XXXX. Unfortunately, the transfer took much longer than expected, so I contacted Ria to cancel it. While they did cancel the transaction, they never refunded me the amount. 
ORDER NUMBER TRANSACTION DATE AMOUNT XXXX XX/XX/year> {$1000.00} XXXX XX/XX/year> {$1000.00} Ive tried everything I can think of to resolve this. I called Ria multiple times, but they were unable to issue the refund. I even filed a complaint with the Department of Financial Services, but sadly, I didnt receive any resolution. 

Feeling out of options, I turned to XXXX XXXX, explained my predicament, and they kindly refunded me {$1500.00}. However, I am now receiving emails from Rias collections department, asking me to return the amount that the bank refunded. They are threatening me with lawsuit and bullying me and fear mongering me.

I feel stuck and unsure of what to do next. I want to resolve this situation properly, but Im not sure how to proceed. Could you please advise me by investigating the issue and finding a solution?
Product: Debt collection

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX To whom it may concern : I am filing this complaint because I have am exhausted with the credit bureaus and the creditors that are reporting this incorrect information on my credit reports. These accounts are fraud and are not valid debts. It doesnt seem the bureaus need to respond to legitimate concerns that I have brought to their attention. Are they so big that they do not need to follow the laws of the Fair Credit reporting Act? Clearly, they are willfully disregarding my desires for a fair credit report. This is a form of plausible deniability to not take any responsibility for their incorrect reporting. 

I have sent letters to the creditors as well. I requested original correspondence and signatures. It was my understanding that they need to prove their debt and claims to be able to report this inaccurate information to the bureaus. 

The following is the account information and a timeline for the correspondence to the bureaus and creditors. 

XXXX XXXX XXXX : $ XXXX XXXX Credit Bureau XXXX XXXX XXXX {$4700.00} All XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$6000.00} Experian XXXX XXXX {$4500.00} Experian XX/XX/XXXX Letter to all bureaus requesting deletion due to fraud. 
XX/XX/XXXX XXXX to all bureaus requesting proof of debt. 
XX/XX/XXXX XXXX to all of the above companies demanding proof of debt. 
XX/XX/XXXX Letters to all bureaus. 
XX/XX/XXXX letters to all bureaus requesting reason for not deleting files. 
XX/XX/XXXX Letters to all above companies requesting validation of debt. 
XX/XX/XXXX Letters to all bureaus demanding deletion since none of the companies had validated the debt in question. 
XX/XX/XXXX Letters to all companies demanding validation of debt. 
XX/XX/XXXX Request to all bureaus for deletion of unvalidated debt. 

I am requesting help in this matter. As you can see, I have appealed to the bureaus and the companies for relief from this fraudulent debt. I am simply asking for deletion of debt from my bureaus that is not mine and has never been. 

Please advise me via US Mail. I look forward to their Reponses. 
Respectfully, XXXX XXXX
Product: Checking or savings account

A Chime account was opened using my information without my consent. I received an email from Chime on XX/XX/XXXX and an additional email on the XXXX saying they were sending out a debit card. I called them to close the account but they had all my real information on the account.
Product: Checking or savings account

On XX/XX/18 I opened a BBVA Compass Checking account with the promo code with the XXXX XXXX " XXXX ''. This entitled me to {$100.00} for making a bill pay equal to or greater then {$25.00} to a utility company. On XX/XX/XXXX I initiated a bill payment to a water company in the amount of {$130.00}. On XX/XX/XXXX I sent a secure message inquiring why my bonus wasn't paid out yet. I received the response saying I needed to deal with the issue in branch. I don't have access to a branch due to me being away at school. The bonus never had anything to do with a branch and the account was opened online. I use XXXX due to there nice online banking I don't do banking in branch all too much. There is no reason XXXX can not fulfill their end of the deal and payout the bonus.
Product: Debt collection

In XX/XX/2022, I enlisted the services of XXXX XXXX XXXX XXXX, on the recommendation of XXXX, to help manage my significant medical debt. XXXX XXXX XXXX XXXX advised me to stop all payments to creditors as part of a debt settlement strategy. Despite this, I received no communications from Discover Bank, no collection notices, nor any form of outreach regarding the impending delinquency or potential resolution options for my account. This lack of communication led to a complete surprise when I was suddenly served with a lawsuit for the outstanding debt, without any prior notice or attempt to settle the matter out of court. 

Post-lawsuit, I have made multiple attempts to negotiate with Discover Bank through their attorney, aiming to settle the debt either through a manageable payment plan or a lump sum settlement that I could feasibly handle. Unfortunately, all my proposals have been outright refused by Discover Banks attorney, who insists on pursuing full payment through court proceedings. This inflexible stance disregards my current financial situation and the economic challenges many are facing, exacerbating my financial and XXXX XXXX 

This experience, I believe, highlights potentially unfair and non-cooperative debt collection practices by Discover Bank and their legal representatives. It raises concerns about the bank 's commitment to working with consumers to find fair resolutions in times of financial hardship, which is crucial in fostering trust and fairness in financial services.
Product: Vehicle loan or lease

I purchased a Jeep from XXXX in XX/XX/XXXX, The XXXX was very basic standard vehicle for around {$15000.00} once they added fees and extended warranty the price was {$22000.00}, I have been late on some payments over the passed 3 years but I caught up and now I want to trade the vehicle in or pay it off but the XXXX is only worth {$4000.00} and I have paid that and then some since I have had to catch up in late fees and the original car payment. The financing for the vehicle is with XXXX crest and they quoted me {$17000.00} to pay off the XXXX. I told them I did not agree with that, they told me to talk to XXXX. I have emailed and tried to chat online with XXXX I am not getting a live person, I am instead talking to an auto bot telling me that I would need to pay off the full amount of the XXXX if not trading it in or I can sell it to them but if the vehicle is worth less than what is owed then they would need to work out something with Bridge crest and I would still have to pay my car note until they figure out a deal with them. I have been working on this since XXXX of XXXX. I do not feel that this is fair, I have more than paid enough for this basic vehicle and it is not worth more than I have paid thus far.
Product: Credit reporting

Note : This complaint does not match exactly XXXX of the choices above. I selected the closest XXXX. 

I have attempted on multiple occasions to initiate a dispute about an item on my credit report online with Equifax. Each time I try, I enter the correct identifying information and get a message stating the following : '' The information you provided does not match our records so we are unable to process your request online. Please FAX your dispute and a copy of your driver 's license to XXXX XXXX. " I see XXXX problems with this. First, if I am submitting a new dispute, how could my information not match their records? Second, no reasonable person would submit personally identifying information, including their driver 's license, to a fax number without some level of confidence that it is legitimate. If the system can not recognize my correct information, I have little confidence in a fax number. 

My impression of the Equifax Online Dispute system is that it is functioning as Equifax wants it to : It limits the number of disputes that can be submitted online and discourages alternative methods of submission with vague instructions for faxing personally identifying information to an anonymous number. 

Furthermore, when I click the link on the dispute submission page for the FCRA, I get an " Untrusted Connection '' message, which further discourages people from learning about their rights as consumers under the FCRA. 

I have seen numerous reports of the same problem with Equifax online by other consumers. Please add my name to the long list of people who have voiced their frustration with Equifax, about this issue and many others.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting act XXXX account XXXX XXXX Has violated my rights.

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not Furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer Credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding an accuracy in my credit report. Despite my submissions, XXXX 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. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX  CFPB XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provide provides consumers with the necessary proof of investigation. These are the following accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a a natural person, I am a human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I was informed by Discover fraud alert system that there are two potentially fraud charges made by my Discover credit card, {$25.00} each, to XXXX XXXX. As I checked and confirmed, they were indeed fraudulent charges, as I did NOT authorize any payment made to XXXX XXXX that day ( or any day, at all ). 
Shortly after that, I was locked out of my account, and had to call Discover Fraud line to unlock online access to my account. At that time, the fraud agent told me I could not do anything yet since the transactions are still pending, and had to wait till they're posted before I can dispute them. Then I got a message saying I confirmed the two fraudulent charges are valid. I assume the message is initiated by the Discover fraud agent unlocking my account. 
Then, once the fraud charges are posted, I disputed them. At first, Discover added temporary credits. However, one of the disputes was resolved AGAINST my favor after 3 weeks, stating that the transaction was valid. I contacted dispute center via chat messages and was informed that someone named " XXXX XXXX '' made the transaction. I do not recognize this person nor authorize any transaction made by any " XXXX XXXX '' at all. The dispute agent said I should contact Discover security team, so I did, and my Discover credit card was closed and changed to a new one ( finally confirmed being shipped to my address a WEEK later- I haven't even received the new card yet ). 
Today is XX/XX/XXXX, and both disputed charges are now REPOSTED on my new credit card account. I'm still being held accountable for those charges that I did not authorize on XX/XX/XXXX. 
In the past, I remembered clearly that I was once a victim of fraudulent charges on my Discover credit card and got my card replaced, but the process was very quick, within a week or two, and the fraudulent charges are immediately cancelled. As a long time Discover customer since XXXX, I was baffled by the change Discover now handle fraudulent charges. I could not overstate how disappointed I am with the current way Discover is resolving disputes. I still want to give Discover a chance to remediate this issue. Mark my words : if the disputes are not resolved in my favor within two weeks ( before XX/XX/XXXX ), I'll start transferring my money to different bank and close all of my Discover accounts.
Product: Mortgage

My 403 ( k ) loan closed on XXXX XXXX. From the first day of the loan, interest was charged on the entire loan amount. However disbursements were gradual, and at no time during the loan period did I withdraw the entire amount. So, I was charged interest on money that the bank never disbursed.
Product: Credit card or prepaid card

There have been dozens of disputes I had on my account that Discover mishandled. Attached to this complaint is my most recent letter to them regarding a dispute they unjustly resolved in the merchant 's favor to show more details on how they did this. As mentioned in my statement, Discover is never seeing a dime from me for any of these transactions, and everything will be reported to the credit bureaus and whatever debt collection agency they decide to deal with. I know the CFPB is useless and doesn't do anything, but I want this on record. That is all. No response from the Discover is required. Their response would not help me anyway ...
Product: Debt collection

I received a notice from credit control corporation on XX/XX/XXXX for {$490.00}. I logged onto their website to gather additional information to see if it was mine and the amount online is {$620.00}. This seems like a scam. I would like this to be removed from my name.
Product: Checking or savings account

I just received a Debit Card from United Bank. I have never banked there. I went to the branch and it looks like someone opened a bank account with my ssn, home address. But with their phone number and email address, online. I did close and flag that account. 

I just received a check from XXXX XXXX XXXX XXXX for {$30.00}. I've never owned a savings account there either. I called and it seems the person with the same phone number opened and has been using a Savings Account with my name and ssn.

This is 2 bank accounts opened in my name by the same person. I'm not sure what to do about it and need help. 

I have frozen my credit with XXXX and XXXX. 

I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent multiple disputes to the credit reporting agencies regarding accounts on my credit report that are incorrect. ive been sending letters since XXXX to the bureaus and have only received a response once from equifax in XXXX. we are now at the end of XXXX and i have not received any letters in the mail letting me know the status of the disputes and the accounts are still reporting on my credit report.
Product: Debt collection

I honestly do n't understand this collection agency. I previously complaint about this agency and they told me to write a dispute. I did. They ask to close this file and states they are not doing any wrong.I ignored the fact that they kept hitting up my credit report during the dispute which I still have not received any statement detail with the expenses I owe and what services nor do I have a contract with Midwest recovery. I why are they keep hitting my report frustrating me. Could I get a lawyer for their actions and lack of professionalism it truly bothers me mentally when I do not owe this company and stressing trying to figure out how did they come about that amount. Below is proof they are constantly hitting up my credit report with negative activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting

Chapter XXXX bankruptcy ; Bankruptcy complete. XXXX is showing as 120+ days overdue.
Product: Mortgage

I requested to cancel my forbearance on XX/XX/2021. Loancare confirmed they received my request via email. On that email it indicates I will receive an email within 5 business days for my recorsds. It has been 5 months now of calling loancare and requesting a letter of termination for my forbearance. I have spoken with 10 representatives and 2 managers who refuse to send this information. I paid my missed mortgage payments in full in XXXX when i requested to be off forbearance. The refinancing of my home is in jeopardy as LOANCARE refuses to provide the necessary information for refinancing.