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

the better business bureau referred me to CFPB because the problem goes back to  XXXX . Equifax refuse to correct my credit report and score, my credit score was  XXXX  in  XXXX  and it remains about the same to date. I paid off an SUV in  XXXX , paid as agreed never late, Equifax reported it for a while and then dropped the report but keep the score the same,  XXXX . It is my understanding that the report is to stay on your report fo r ten  years, I contacted the credit grantor and they said they would report the credit file to Equifax but to date, my score has not changed.   I want Equifax to report the file for the SUV purchased in  XXXX  thereby extending my credit history to  XXXX  and not  XXXX .   I have contacted several times with the same result, no change in my credit score, I need help!
Product: Checking or savings account

XXXX is completely unresponsive. You call them they hang up. You chat with them and tell them you are dissatisfied they disconnect the chat. They respond once with an incompetent response and then you follow up and they ignore. 

Can not access my account anymore as it was transferred to Citizens Bank. While at XXXX : 1. I did not receive the full amount back from a wire and followed up but was ignored.

2. I was charged to receive multiple wires the last several weeks of my account and was ignored when I questioned them.

3. I paid for new checks for my XXXX account and after I purchased them I was then transferred to Citizens so the checks are now useless.

4. Citizens is currently charging me to receive/send wires and I was not informed of this prior to the transfer. My understanding is my benefits would be transferred.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of fraudulent accounts and inquiries on my credit file, resulting from a data breach and identity theft. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ) to request the immediate blocking and deletion of the following fraudulent items from my credit report. 
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 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 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 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: Debt collection

I was notified by a credit alert about the debt. I have never received any sort of communication regarding this debt or had a chance to validate it. They are violating the Fair Credit Reporting Act by not doing so.
Product: Mortgage

Our mortgage company, Mr. Cooper, contacted us ( numerous times ) to let us know that due to COVID hardship ( my self-employed business significantly declined ), we would qualify for a " deferral program '' for XXXX  months. We were supposed to begin making our mortgage payment on XX/XX/2021, however they would not let me because they said they we should never have been accepted into the deferral program because we were a few months behind on our mortgage payments when COVID started. We were told that it was their ( Mr. Cooper 's ) unfortunate mistake that we were allowed to be put into this deferral program, however they could not do anything about it. After a few weeks, we were finally put in touch with a loss mitigation officer ( XXXXXXXX XXXX XXXX at Mr. Cooper and she said she would put a request in to see if Mr. Cooper would allow us to be placed in the deferral program. After XXXX  days, she called back and said that they declined our request to be put in deferral. Interestingly, she mentioned that if we paid the {$6000.00} in back payments ( approximate ) she could put that request through again because we would be up to date on payments. We asked if that would guarantee that we would be accepted into the deferral program and she said " no ''. We contacted an attorney, who advised us to NOT pay them the {$6000.00}, unless we had a guarantee. We would never have agreed to go into deferral if we knew that Mr. Cooper was just going to try to foreclose on us.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my updated credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to reinvestigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my reports with XXXX pertaining to status dates of XXXX account that were included in a Bankruptcy last year, XXXX XXXX. The account in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureau ... the accounts took the derogatory status XXXX XXXX when I filed for XXXX XXXX bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The account with the incorrect information is XXXX XXXX. Ive reached to the company with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my XXXX XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX.
Product: Debt collection

Received a major derogatory notice on my credit report from online information services. Spoke to XXXX telephone # XXXX and reference # XXXX. Informed that there is an unpaid debt from XXXX XXXX for address XXXX XXXX XXXX in XXXX Texas attributed to me. I have never lived at that address nor in XXXX Texas. I have lived in New Hampshire for XXXX years. I had a similar report to my credit report earlier this year from Contact Callers in regard to a XXXX XXXX account. I disputed this and was told that the derogatory report was withdrawn. 

I was instructed by XXXX to file a fraud complaint with this department.
Product: Student loan

Hello I attended XXXX in XXXX Florida for XXXX XXXX years. While attending school I received student loans and a few pell grants. I was told that as long as I was attending school my loans were not due and no interest would be added. After graduation and trying to find a job in my field I started getting letters stating I was behind in my payments. I tried on numerous occasions to call and get help with this matter. I asked could they defer my payments and I was told yes only later to find out that did n't happen and the interest was getting higher. I have called and called over the last few years to only get told there 's nothing to be done. This is not right and I will continue to call and seek justice because I have did all I know to do to try and fix this issue. I wil continue sending in complaints and calling until this matter is resolved. I asked about income based repayment and was denied because I did n't qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 XX/XX/2021
Product: Credit reporting

Equifax is holding hostage my XXXX credit file once again, below are actions of discriminatory practices implored by these XXXX : 1. Bankruptcy case number XXXX was filed XX/XX/XXXX and should have been removed from my credit file over 3 years ago, still to-date Equifax , these XXXX are still Reporting this XXXX on my credit report, they ca n't STOP me from functioning, that wo n't HAPPEN on my XXXX WATCH! Now they 've tried and it 's not been successful, EXAMPLES : 2.50 % on auto loan, 2 % on the biggest XXXX ticket item of a life time, Mortgage loan 2 % XXXX. XXXX 's XXXX credit card SHOWING XXXX closed, this account does n't belong to me and I 've asked them to remove it, its XXXX with my credit score, just as the Bankruptcy is doing! Would CFPB implore these XXXX to remove the CLOSED XXXX 's Club account off my XXXX CREDIT Report, they are not STOPPING me from doing the credit business. Remove this XXXX account at once! XXXX BANK is n't reporting this XXXX Equifax has created this account. Question? XXXX CFPB, Have Equifax to forward me the last transmission by XXXX account that CLOSED, get this XXXX off my Credit Report, NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

Mrs. XXXX XXXX steel the information of my 3 credit cards, XXXX XXXX XXXX XXXX  XXXX XXXX, and Citi XXXX she used them for 4 years paying her personal accounts and services, and changed my address, phone number in them used the XXXX XXXX for an amount of XXXX the XXXX  XXXX XXXX for an Amount of XXXX and the Citi XXXX  for almost XXXX I put an Identity Theft Report with the Federal Trade Commision and send letters to all the credit cards and also attached the identity theft report and the detail of the transactions made. I had my credit cards paperless so I don't realize this until I try to made a transaction on XXXX XXXX and my credit card was denied then I begin to investigate discover that I don't have credit available and request to the credit cards my statements in paper to know that happen. This begin in XXXX and she was doing monthly payments from this checking account for the minimum amount in each credit card and use her phone number to do it so I don't have a way to realize what's going on. Now they are under investigation for almost 3 months and request a Police Report the problem is that I live in XXXX and the police don't want to take the report because the merchants are in other cities and told me that have to travel to each city to put a report on them something that is impossible. In the meantime I don't have an alternative of what to do in reference to them because they denied 2 times my dispute and reopen the case again because they are not doing an investigation like should be done. What Can I do?? How you can help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

ve tried disputing multiple accounts on my credit report.every month since XX/XX/. I have previously sent multiple requests to validate my debt with attached account numbers and names Each month, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the Fair debt collection practices act I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation and the inaccuracies are still on my credit report. The charge of accounts are falsely manipulating the statute of limitations which is the FCRA violation. Please delete collections, charge offs inaccurate personal information immediately due to the Gramm-leach-Bailey act : Protection of non public personal information 15us code 6801. Negative accounts : block of information 15 is code 1681 C-2, and Accounts verified : Procedure in case of disputed accuracy
Product: Debt collection

As of today XX/XX/2024. I herby declare i am unaware of this debt. According to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I did not have an opportunity. I did not recieve any letter or notification from this company within the 5 days of this account being opened. I did not have an opportunity to address the alleged debt prior to this company billing me for it and placing the account along with its experiences on my credit report. If in fact you believe you gave me proper notification, which would give you legal right to assume the debt belongs to me due to unresponsiveness, please send me the ORIGINAL DOCUMENT containing the CERTIFIED RECIPT WITH THE DATE, MY NAME AND SIGNATURE PROVING I RECIEVED IT AND WAS MADE AWARE WITHIN THE PROPER TIME FRAME. ALSO, according to 15 U.S. Code 1681b ( a ) ( 2 ) for Permissible purposes of consumer reports A consumer reporting agency may only furnish my information to a third party or affiliate company unless it is for a court case or In accordance with the written instructions of the consumer to whom it relates. Please also furnish the ORIGINAL DOCUMENT OF WRITTEN INSTRUCTIONS THAT I GAVE YOUR COMPANY PERMISSION to report this ALLEGED DEBT to a third party without my consent and other affiliates with whom i have no business. THIS LETTER SHOULD ALSO HAVE MY SIGNATURE PROVING IT WAS ME AND I GAVE WRITTEN INSTRUCTION AND AUTHORIZATION TO DO SO. You have 30 days from the date of this notice and complaint through the CFPB to furnish the document of me giving your company written consent/instructions to furnish my information to others without my consent and to provide proof via green certified mail receipt, containing my signature, proving that i was made aware of this alleged debt within the 5 days of its inception. Also please provide the Original Promissory note proving i owe this alleged debt and provide the original instrument of indebtness.
Product: Credit card

I disputed a charge on my card because the goods received were defective and not as described, and the merchant was not responsive to my requests for return/refund. Citi opened an investigation, but did not collect any information from me. The case was then closed because Citi said the merchant provided ample evidence that my claim was invalid. The evidence from the merchant was nothing more than tracking information when goods were first shipped to me. I dont understand how that constitutes ample evidence that my claim was not valid since I was not disputing the charge on the grounds that the items were not received, but rather they were defective and not as described. I reopened the claim and submitted 1 ) correspondence between myself and the merchant that showed that the merchant dismissed my claim and did not respond to requests to return the item and seek refund and 2 ) several pictures depicting the defects and differences from what the seller advertised. Citi again closed the investigation in favor of the merchant because I did not provide evidence I returned the item. I can not provide that evidence because the merchant refuses to assist in the return. 

This is the same claim as XXXX, but Im listing Citi as the company ( XXXX was the merchant )
Product: Credit card or prepaid card

In XXXX of 2019, Discover reported on my credit profile a late payment of 30 days. This account was set up on autopay and there was an issue with the auto pay in XXXX. On XX/XX/XXXX I got an email from Discover saying they've received my payment. Discover did not alert me that there was an issue with the payment in a timely fashion. The next email I received from Discover was in XX/XX/XXXX or XXXX alerting me to a problem. As soon as Discover informed me autopay did not go through properly, I immediately corrected the problem and paid the balance down to {$0.00}. This is not enough time to properly inform me, the consumer, that there is any issue that needs to be resolved. I was under the impression that autopay was going through as intended.

I contacted Discover recently who told me that I was not late and I have chat logs to prove this. They advised me to contact the credit bureaus to dispute this. I did this and Discover told them it was reporting accurately, even though they told me it was not reporting accurately and that there was no 30 day late payment.

I have been a good customer with Discover and pay my bill on time every month, usually for more than the minimum due, and frequently pay the balance in full. I want to be treated like a valuable customer and not like a deadbeat because of an issue that Discover could have easily prevented if they had notified me properly of any problems. This oversight from Discover has caused my credit score to dip drastically and increased interest rates when using credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am not familiar with. These accounts are not mine. Please remove. XXXX XXXX {$2300.00} XXXX XXXX  XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$40000.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX  XXXX {$840.00} XXXX   XXXX {$0.00} XXXX  XXXX {$3500.00} XXXX XXXX {$6700.00} XXXX  XXXX {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - Contacted PHH Mortgage due to incorrect status of 2nd loan, home equity loan, closed with outstanding balance.My credit score now dropped by a lot. I further advised this is a active account with not late payments payments XX/XX/2020 - Called back PHH, per their request provided XXXX XXXX credit report noting Closed Account. sent by fax # XXXX XX/XX/2020 - Called PHH to check status advised I would received a email in response to my concern.Was to re-fax information to XXXX XX/XX/2020 - Requested to send information again via fax # XXXX XX/XX/2020 - Called PHH to follow up again asked to re-fax same information to them along with my full credit report. I declined. I stated the 2nd loan home equity should remain as a open account, same as the 1st loan. I also asked why they call my home but do not leave a message. Too many fax of info and calls with no results. 

XX/XX/2020 - Still waiting for feedback ( email as promised ) from PHH
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/2021 and XX/XX/2021, I was charged additional fees on my credit card of XXXX and XXXX respectively. I have recurrent payments of XXXX that are debited every month from my bank account to pay on my Citibank cc which I agreed to. I never agreed to any additional fees or payments and I've contacted Citibank about this matter. I find this issue to be very disturbing.
Product: Prepaid card

I purchased a {$200.00} Visa gift card from XXXX on XX/XX/24 at XXXX EST. My daughter tried to use it in XXXX on XX/XX/24 and the card was declined. I called Vanilla XXXX and they told me that a claim has already been placed on the card and the card would not be useable. They told me to send copies of the front and back of the card and a color copy of my ID to XXXXincommXXXX. I didnt understand why my ID was needed and was not comfortable giving this information. I called the XXXX where I purchased the card and they said they couldnt help me that I had to deal with the gift card company.
Product: Credit card

They keep sending a credit card bill for stuff they added to my bill for no reason!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

Information was inaccurate on my credit report for years after several disputes still remain as accurate on my credit report XXXX XXXX and Experian, XXXX and XXXX destroyed my credit with failure to properly Investigate my credit report and consider to make the right changes to my report, its been a total disaster with them.They continued even to report after account was payed and closed, which I consider to be fraud and major a violation of my rights.This was totally disrespecful to me it just shows me that people fell to do their jobs don't need to be there.
Product: Debt collection

The collection rep assigned to my account threatened to send faxed documents to my employers and ensure I pay them. Keep in mind I attempted to notify the rep she was threatening me on a recorded phone line. I have email receipts showing twice were an incorrect zip code is still being entered on their part and National Check Resolution continues to contact a phone number that they have NO AUTHORIZATION to call!!!! I have an email confirming the incorrect zip code was entered again! I also have an email confirmation from my employer reflecting the same issue!