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

Unfortunately, I could not choose multiple answers. Therefore, these are the problems listed below for the 1. XXXX increased my student loan payments from {$60000.00} to XXXX XXXX with an initial repayment plan of {$200.00} a month but changed it to {$890.00} prior to the end of a forbearance which was not affordable, contained incorrect owed amount or feasible for a non-working individual that was directed into forbearance 2. Percentage rates quadrupled during the forbearance 3. There is no indication of the origination of the student loans.

4. The amount owed is extremely higher than it should be 5. There are charges for XXXX  College that should have been removed due to the school closing prior to earning a degree.

6. Multiple loans reports on the credit report that are not accurate 7. Their credit reporting practices have caused my credit score to plummet 100 points causing undue hardship to me and my family.

8. I am a XXXX veteran that is requesting full forgiveness or discharge of all of the reported student debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and TransUnion continue to report an unverified Account to my credit report and are in violation for NOT investigating this with the furnisher! XXXX is furnishing information that does NOT belong to me and are in violation of HIPPA laws for releasing personal information that is NOT mine! 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX  XXXX XXXX, The accounts do not reflect their accurate status..They aren't paid late they were paid on time..I do not authorize you or anyone to report not proven compliant information..I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is.
Product: Credit card

I have good relationship for over 1 years. I was a loyal card member never miss a payment. I notice fraud charges on my account and I notify Chase. Chase promtly took off my charges but then rebill it a month later on XXXX XXXX. Chase also closed my account. I do not know why a big bank like Chase would took those actions against customer while they lost their credit cards. Chase should not be advertise XXXX fraud, but when it happen they will close the account and let the customer deals with the balance. 
Also, I lost my cell phone when I lost my credit card. All my personal information store in my cell phone. I also have Chase app on my cell phone. I have used the email from XXXX and did not log out or change my email. I did not know if someone with credit card and access to my email. In addition, when I review the sale slip, anyone can sign on the sale slip and it does not prove anything. On the related account XXXX, I report these transactions as fraud. Some transactions i misread see on my statement to report these as fraud. I 'm working on reporting those, but Chase have blocked my account to report additional fraud charges. I have filed the police report and send it to Chase. I 'm working on my identity theft report, and will fax or send it to Chase when I finalize all the information. 
Chase should work on behalf of the customer 's behalf and do impartial investigation. 
Chase should work on behalf of the consumer
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXXXXXX XXXX XXXXXXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit card or prepaid card

I applied for a Bank of America XXXX XXXX Credit Card. It was never sent to me in the mail. I was never notified by the post office neither the bank on my status of the credit card. 

I finally received the credit card by XX/XX/2023 and I completed the {$1000.00} transactions in order to receive the cash rewards bonus of {$200.00}. 

Bank of America is not honoring me the reward bonus.
Product: Debt collection

When discussing with original creditor they've advised debt is with a different company. This law office is not mentioned they also will not work to set up payment arrangements advising they will continue to send to courts. Balances also don't match what insurance shows in XXXX. 

Original creditor has also failed to bill to secondary insurance that was available at the time of some ofbthe services. They also failed to offer any realistic payment options.
Product: Credit reporting or other personal consumer reports

15 U.S. Code ; 1681c-2 : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

Account : XXXX XXXX XXXX XXXX  Account # : XXXX Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : DEPT OF EDXXXX Account # : XXXX Account : DEPT OF ED/XXXX  Account # : XXXX This account should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2021 a fraudulent secured loan was opened in my name at Navy federal credit union. I have made several attempts to resolve this matter but this bank continues to report this fraudulent account to the credit agencies.
Product: Debt collection

XXXX XXXX child support and Equifax inc. is violating my constitutional rights under the 11th and 14 amendments for the past 15 years. In a corporate bond scheme for profit, in an alleged contract agreement, creating a libel false claims on a monthly basis against my credit score. Which has effected my past, my present and may future. A debt of garnishment that must be done under a court order. XXXX XXXX XXXXXXXX. Section 7. When the supreme court has ruled. United States XXXX XXXX XXXX XXXX XXXX XXXXXXXX child support is a agreed contract that I have never agreed to, agreed with or agreed on. XXXXXXXX XXXX XXXX  XXXX created a gender discrimination against men. Enrolling them against their well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i applied for a new credit card named the " XXXX XXXX XXXX credit card '' from XXXXXXXX XXXX. The only reason i applied for this card is because XXXX XXXX said my approval odds were 4/5 chance to get approved. After applying i noticed they declined me for the reason of my credit score being low and too many inquiries in my credit. The reason i am disputing this is because experian has muiltiple inquiries on my account. Which prevented me from getting approved, i did make a mistake on inquiring muiltiple times but i have had credit for over 3 years and never have i missed a payment ever. I have just left my school and started working full-time. I am very responsible and have low balances with excellant credit. I just want to earn the opportunity to increase my credit portfolio without any mistakes. To whom it may concern i hope you can help me remove the hard inquiries on my credit report so i can get approved for a credit card. My current credit score is XXXX XXXX XXXX  ) XXXX ( XXXX ). I have about 20 days to get my experian account fixed so i can re-apply with the XXXX XXXX   XXXX credit card. 
Thank You
Product: Debt collection

During last summer, I went into an agreement with XXXX XXXX XXXX and a financing plan to get a set of straightening aligners for my teeth. 

I had a set up aligners throughout the summer and fall, but the treatment did not work. XXXX XXXX XXXX had an agreement where I would be able to get free retainers afterwards if the initial ones were not successful. 

After ordering these new retainers to complete my treatment during XXXX XXXX XXXXXXXX, I started getting emails that XXXX XXXX XXXX had filed for bankruptcy. They assured me that my treatment would still be continued. They kept this assurance all through XXXX of XXXX. This is when they finally finished their legal attempt to file as bankrupt. Once this happened, all communication from XXXX XXXX XXXX ended. 

During XXXX of XXXX, it was announced that they were closing all services, including sending out new aligners ( which I had not yet received ) and shutting down their customer services. This was the last time I got an email from the company about anything. 

This email included the fact that XXXX XXXX XXXX would be seeking to sell of their debt to creditors, and that they would be selling all of their receivables. In XXXX of XXXX, XXXX XXXX XXXX sold the receivable that I owed them ( for services they HAD NOT FULFILLED ) to someone else. 

Also during XXXX of XXXX, I got into contact with customer support from XXXX XXXX XXXX asking for a full refund and to discontinue my payments, since they had not fulfilled the services that I was paying them for. I was met with a response saying that all of their refund requests were being reviewed and I would be contacted after review. This never happened. 

I thought that all payments would stop, and that I would just need to find a new company to get aligners through. 

Starting in XXXX of XXXX, I have been making monthly payments of {$75.00} to XXXX XXXX XXXX for financing for services. These charges were part of our agreement, so I had no issue paying for them. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I made payments to XXXX XXXX XXXX of {$75.00} to pay for my treatment. ( All dates are during XXXX ). 

Starting on XX/XX/XXXX, these payments switched to XXXX XXXX XXXX for the same amount. They continued on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All for the amount of {$75.00}. ( These dates start in XXXX and go into XXXX ) XXXX  XXXX XXXX was charging me for services, went out of business, and then sold the amount that I owed them to a different company it would appear. I have no way to get into contact with XXXX XXXX XXXX about this issue. They have shut down their phone numbers and no emails to them get a response. 

I am paying for a service every single month that was never given to me, as my teeth have completely reverted back to how they were before I got any XXXX, since I was not able to continue my treatment.
Product: Payday loan, title loan, personal loan, or advance loan

One main stated I couldnt take out the loan unless I signed for the extra benefits. We did not need the extra benefits. Loan has been paid off and benefit cost was not refunded.
Product: Money transfer, virtual currency, or money service

I bought XXXX dollars worth of bitcoin to send to another wallet, and the money was saved until the next day. The next day it was open, but I had to wait until I wasnt so busy to deal with it. When I retried, it told me I now had to wait a week. So I got upset at the staff, and within a few hours, it was 31 days. I shouldnt have been a jerk, but you can just steal my money. They keep telling me I can still buy more with outside cards, but its obvious they just want to XXXX XXXX XXXX more. I also had another account that wasnt started by me. Not the same bank or anything, and on an old email. They didnt seem to care, and I had to delete it myself.
Product: Debt collection

I noticed a previously resolved collections account on my credit report. The account was resolved favorably n 2013, and reappeared recently. Repeated attempts to negotiate with the credit bureaus, collections agent and the original creditor have failed.
Product: Credit card

GoDaddy.com AI system charged me {$330.00} three times on XXXX XXXX 2024. 
I filed a dispute with American Express Business Card online customer service system. 
I received a credit for {$330.00}. The problem there are two more {$330.00} charges on my balance. Producing a overcharge {$670.00}. GoDaddy.com has corrected their billing. I notice the situation during annual account review. 
For some reason when calling XXXX I receive AI prompts that can not address the issues. Request CFPB find a real person and credit my credit card account. 
XXXX XXXX 2024 XXXX XXXX XXXX account. I requested discontinue paying XXXX I am still being charged.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery acting on a fraudulent credit account from XXXX XXXX continues to list the debt on my credit report, even though 1 ) the original debt was disputed with XXXX XXXX as a fraudulent account I never opened from XXXX or XXXX ; 2 ) was opened more than 7 years ago ; and 3 ) is still listed as an uncollected debt on my credit report by Portfolio Recovery ; 4 ) I have requested and never received any proof of debt from either XXXX XXXX, nor Portfolio Recovery ; 5 ) direct disputes with all three credit reporting agencies has not produced any resolution as they continue to report this fraudulent account and fraudulent reporting by Portfolio Recovery.
Product: Credit reporting

I have no idea why and I 'm tired of equifax doing this because none of the other credit reporting companies are doing this to me. I checked my credit and it said I had I had THREE alerts. 
1 " File blocked for promotional purposes ". I have no idea what that even is! 
2 " Credit report lock in place ''. I did n't lock my credit! 
3 " Extended fraud alert ''. I never wanted ANY alert So I would like to purchase a vehicle but with equifax I ca n't because they have my credit blocked!
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED IN MY XXXX CREDIT ALERT, reported a new account of XXXX credit report. 
New bank/credit card dept. Recovery Solution L.L.C XXXX cardit report alert date : XXXX XXXX XXXX2017 source : XXXX phn. numb XXXX balance : {$980.00}. 
Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX i have filed so many disputes on this bank /credit card co. i already filed for Idenity theft and fraurd .like this to come out of files.
Product: Checking or savings account

I was unable to activate the debit card received by mail so was forced to call customer support multiple times. One call I was disconnected. I suspect the representative ended the call on her end, however, I learned later they accused me of disconnecting the call. As a result they locked me out of online access to my assets. Demanded excessive personal information over the phone. Demanded that I verify myself at a branch in person. All in the name of " security. '' This is clearly not about security, IT IS ABOUT HARASSMENT! I am trying to liquidate my assets and withdraw all funds, but they refuse my access to my own account and online banking. Without online access, cut off without warning, I don't even have access to such basic information as account balances or account numbers. This includes access to my Schwab banking account and brokerage assets. I WANT TO MAKE THIS PERFECTLY CLEAR. I CAN NOT EVEN PROVIDE MY ACCOUNT NUMBER SINCE I CAN NOT ACCESS MY ACCOUNT. AS WELL, I AM UNABLE TO ACCESS MY STATEMENTS FOR SUCH INFORMATION SINCE THEY ARE ONLY ACCESSIBLE TO ME ONLINE. IN SHORT, THEY ARBITRARILY, THROUGH ONE OBNOXIOUS/BELLIGERENT REP, CUT ME OFF FROM ALL ACCESS TO MY MONEY AND THE INFORMATION CONNECTED TO IT!

Addendum : I have subsequently been instructed that I will need to travel 80 miles to the closest schwab branch to personally verify my identity. PURE HARASSMENT PLAIN AND SIMPLE. Access to the account was cutoff with no warning under flimsy justification. I am XXXX and XXXX XXXXXXXX XXXX. How am I supposed to travel XXXX miles, two ways, to gain access to my account that I've had without issue when funding it, in order to get access to my roughly {$200.00} schwab is holding hostage? This account was transferred from an XXXX account that I maintained for many years. Now suddenly my identity is in question. Nothing seems a little fishy or fraudulent about that?
Product: Debt collection

On or about XX/XX/2019 a collection company Voss and Klein went on my credit report regarding an Ad with XXXX. And charged me approximately {$4300.00} plus a {$1000.00} collection fee. I want this to be removed from my credit immediately. I have attached a letter and documentation supporting my request. Thanks XXXX
Product: Debt collection

I've sent letters to resolve this issue about an account that wasn't handled correctly. PORTFOLIO RECOVERY ASSOCIATES , LLC did not respond to the last letter I sent months ago. Never did they send me the original signed contract and that violates the FCRA. I have proof I certified mailed the letter and they didn't remove the account from my consumer report. I will seek litigation if this item is not removed. 

Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 

15 U.S.C 1681 A ( I ) states a report should only contain information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666 ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This company and account have been going against my rights and violation as a consumer under the fair credit reporting act this is unconstitutional. I have rights and XXXX XXXX has violated them all they sold my information to a third party reporting agencies without consent and I am being harassed and denied by banks and extension of credit for this detrimental and defamation of character being falsely reported to my credit report I ask that this account be investigated and corrected please send me a report with updated information
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

Subject : Request for Assistance in Removing Inaccurate Information from Credit Reports Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to seek your guidance and assistance in rectifying a persistent issue I have been facing with my credit reports. Despite multiple attempts to resolve the matter directly with the credit bureaus, I have been unable to achieve a satisfactory resolution. 

I have diligently contacted all three major credit bureaus XXXX, XXXX, and XXXX regarding inaccurate information contained in my credit reports. Unfortunately, they have not taken the necessary actions to correct or remove this information, which is negatively impacting my creditworthiness. I am concerned that these inaccuracies are severely restricting my ability to obtain loans, credit, or other financial opportunities. 

Which has also impacted me in a way that I have, unfortunately XXXX. I am also facing distress over all of these situations, due to circumstances that I have not done under my Social Security. 

I have provided all relevant documentation and dispute letters to the credit bureaus, outlining the specific errors and requesting their prompt investigation and removal of the inaccurate information. However, despite their obligations under the Fair Credit Reporting Act ( FCRA ), the credit bureaus have failed to act in a timely manner. 

Given the ongoing frustration and lack of progress in resolving this matter, I am now turning to your esteemed agency for assistance. I kindly request that you intervene on my behalf to ensure that the credit bureaus promptly address this issue and remove the inaccuracies from my credit reports. 

I trust that with your expertise and influence, we can reach a resolution in a timely manner and restore the accuracy of my credit reports. 

I sincerely appreciate any assistance you can provide in helping me rectify this matter. I believe your intervention will not only aid me personally but also contribute to maintaining the integrity and fairness of the credit reporting system. 

Thank you for your attention to this matter, and I look forward to your favorable response. 

Yours sincerely, XXXX XXXX XXXX