23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been disputing multiple accounts with XXXX, XXXX and TransUnion since XX/XX/XXXX. I disputed a charged off account from a company called XXXX XXXX  that is still showing a balance owed after selling the debt to a collection agency/debt buyer back in XXXX. This account had discrepancies across all XXXX Bureaus during my initial dispute and was still reporting a payment history as of XX/XX/XXXX ; XXXX and XXXX have been updating this account for 4 years consecutively, violating my statute of limitations and refusing to provide proper investigation results/details. 

I also disputed an account with XXXX XXXX  XXXX. & XXXX, the collection agency, that also had discrepancies across all XXXX Bureaus. This account was showing a positive payment history with XXXX from XX/XX/XXXX- XX/XX/XXXX with no date of delinquency, while XXXX shows this as a delinquent account ; it is obvious there was not a thorough investigation completed. 

I also disputed an account with XXXX. XXXX, XXXX which was removed from my XXXX report because it was unverifiable. Transunion is reporting this same account and claims to have " verified '' it and has not provided me with any supporting documents. 

I also disputed another account with XXXX. XXXX XXXX with XXXX that has been repeatedly charged off and reporting a payment history since XX/XX/XXXX - XX/XX/XXXX, I have yet to receive any supporting documents proofing validity of this account. 

I have sent at least XXXX rounds of letters for each account, and I continue to receive a generic response in regard to these accounts saying that it has been " verified ''. It is ABUNDANTLY CLEAR there are no real investigations being conducted and my credit is suffering as a result of their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the free annual report site and attempted to obtain all three of my credit reports. I was able to print, view or download XXXX and XXXX. But, Transunion denied my request. This was today : XX/XX/2023. 

I have reported this issue with Transunion on at least two previous occasions ; however, the CFPB has been ineffective in forcing Transunion to provide my credit report, which is by Federal Law mandates it to do so. Thus, I am submitting another complaint to the CFPB, to encourage it to fulfill Its responsibility as a federally-mandated watchdog over consumer issues, such as is outlined under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

Hello I have made several attempts to dispute the incorrect information reporting on my profile with XXXX XXXX and has been unsuccessful. This has caused me to loose out on credit and other resources needed to run my life. 
I have not been disclosed any verifications of debt and my rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see on my XXXX XXXX and XXXX account that a hard inquiry was put on from NETCredit Im not familiar with this company or report
Product: Credit card

I applied for a Chase XXXX credit card well within the promotional period to where if I got approved, I would get a companion ticket every time I bought a ticket for myself, and they didnt process that application in a timely manner and when I reapplied it was outside of the promotional application timeframe, and even though the first application was submitted in a timely manner, they wont honor giving me the advertised perk of getting a free airline ticket for a companion. And I have an email confirming that they received my application within the promotional application period.
Product: Student loan

I called Navient back in XXXX XXXX and informed them to activate my loans so I could file for Income-Based Repayment and start repaying. They informed me that it would take six months for my loans to become active. It is XXXX XXXX, and my loans are still inactive. According to the website, my loans wo n't be active until XXXX. I feel as if I have been mislead and Navient purposefully left my loans inactive such that they could continue to accrue daily interest.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX {$2000.00} were sent to mother venmo account, which funds were ultimately sent via instant tranfer to XXXX XXXX. Venmo never sent the funds to XXXX XXXX, now is XX/XX/XXXX and after multiple attempts for an explanation the regional manager said they've had a glitch in their systems since XX/XX/2023 which causes transactions not to go through so the money is held hostage by venmo. Representatives said they could not provide an explanation, an estimated time to fix the issue, where the funds are or when we will receive our funds. 
Now we have financial hardship and damages as we can not pay rent, utilities, food, medications, etc. 
They did not provide an alternate solution, a corporate office phone number or any other venmo initiatives to help the affected clients. 
Basically they are holding customers money hostage and failed to publicly warned their users about their glitch.
Product: Credit reporting 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. 

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

For years I have gotten text messages and emails advising me to apply to high interest credit cards to boost my credit score and was denied. It reduced my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX has allowed XXXX XXXX to report inconsistencies, inaccurate information and duplications. I have disputed this information several times, and it has been fraudulently verified. The validity of debt does not allow for false reporting of dates and amounts. It is defamation to report false information including dates, amounts, and duplicated debt to make it appear that debt is newer, older, or to attempt to collect more money.
Product: Debt collection

I had a XXXX and went to XXXX. They had created fraudulent charges to my Insurance company and when the insurance did n't pay them they came after me. I gave them an opportunity to correct the billing and they failed to do so. I have reported them to XXXX different agencies. On XXXX XXXX, 2015, I faxed a letter to Capitol Accounts ( the collection agency my account got sent to XXXX. I then followed up with a phone call on XXXX, XXXX, 2015 with XXXX XXXX. I acknowledged they received the letter and was very rude and said he was going to report tyhis debt to credit agencies and it would effect my credit unless I paid that day. I told him it was under dispute and he insisted he was sending to the reporting agencies. Today, XXXX XXXX, 2015, he called on my cell phone. I immediately advised him that was not supposed to be calling me per my letter. He violated the Fair Debt Collection Practices Act. I would like XXXX XXXX along with his company to be cited and repremanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( account # XXXX XXXX XXXX XXXX  ) ( account # XXXX ) has violated my rights. 

15.U.S.C 1682 section 602 A. states I have the right to privacy.

15 U.S.C 1682 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information. 
Has also been exposed in the databreak and I would like to delete everything off my credit profile for I had no consent of..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXXXXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Student loan

I called Edfinancial on XXXX XXXX at XXXX and was told I had 6 hour wait so I selected the option for them to call me back but they never did, so I called them on XX/XX/XXXX at XXXX, but this time it was an 8 hour wait, so again, I selected the option for them to call me back. But again, they never did. So I called them on XXXX XXXX at XXXX and held on the phone for 57 minutes only to never get a hold of anyone and be hung upon. So I called them again and have been waiting for 2 hours 6 minutes by now. Is this place legitimate?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ID : XXXX XX/XX/XXXX XXXX ID type : Passport PP Number : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AZ XXXX Subject : Dispute of inaccurate information on My Consumer Report Dear Early Warning, I am writing to request an investigation of the following accounts that I have NEVER opened or used. I am requesting the deletion of the following information from my Early Warning consumer report immediately. Upon reviewing my report, I noticed that there is an alleged account listed under my name that I have no knowledge of. This inaccurate information is in violation of the Fair Credit Reporting Act ( FCRA ), which states that consumer reporting agencies such as Early Warning Services must provide accurate and up-to-date information on consumer reports. 

The account in question is listed as 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  and is reported to have been opened on dates above. This account does not belong to me. Please provide proof by way of a signed agreement that this account is mine. This discrepancy is causing harm to my credit score and overall financial well-being. 

Per the FCRA, I am entitled to have incorrect information removed or corrected promptly.

Therefore, I am requesting that Early Warning Services conduct a thorough investigation into this matter and provide me with documentation proving the validity of this alleged account. There's no such documentation that exists. I request that this inaccurate information be removed from my consumer report immediately : Please be advised that failure to comply with my request within 30 days may result in further legal action being taken. 
Thank you for your prompt attention to this matter. I look forward to your swift resolution of this dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data XXXX
Product: Debt collection

Midland Credit Management. 
Michigan. 
Repeated calls on a daily basis. 
Robo calls always from a different number. 
Always attempting to collect on an unpaid debt. 
Problem is I have no debt with this company nor ever had. They continue to call.
Product: Mortgage

The lender keeps messing up on my income even when I clarified their questions. 

I don't know what else to do at this point and they are just trying to take my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Someone tried to open a line of credit in my name with Ace Cash Express and was denied. I did not try to open any new lines of credit. The person that tried to get the line of credit also changed who I'm employed with on my credit. That was according to the XXXX XXXX report that I ran. I have made a police report with the XXXX County Sheriffs Office and am waiting on the report to submit to Ace Cash Express. I would like the hard hit on my cred report removed being that I did not ask for my credit to be ran. 
Thanks, XXXX XXXX
Product: Debt collection

The debt that is being reported by Trident Asset Management XXXX XXXX XXXX XXXX is not a valid debt. 

A woman was going door to door selling electrical service for XXXX XXXX. The woman quoted me a rate that was substantially lower than my current electricity provider, so I agreed to switch providers. I received the contract from XXXX XXXX and it was substantially higher than I was quoted. I immediately called XXXX XXXX and cancelled the new contract and rescinded my authorization to switch providers because the rates I was quoted were not honored. My electric service was never switched. 

I then received a bill from XXXX XXXX for {$79.00}. I called XXXX XXXX and explained that I would not pay this bill, I was given false information in an effort to get me to transfer my service, and I immediately cancelled before any changes were made. 

I was then notified by Trident Asset Management that a collection account in the amount of {$270.00} was opened with their office XX/XX/2022 for XXXX XXXX. I explained to Trident Asset Management what happened and informed them that this was not a valid debt. Trident Asset Management reported this collection account to the credit bureaus which has caused me substantial harm. I have called XXXX XXXX, Trident Asset Management, and have filed multiple disputes with the credit bureaus, but the debt is simply reported as meeting FCRA requirements. 

XXXX XXXX representative made false claims to convince me to switch my electric service. As soon as I discovered this misrepresentation I acted. No service was ever changed, this is not a valid debt.
Product: Student loan

I had student loans through XXXX XXXX since XXXX. 
My loans eventually transferred to the company Navient. 
I was experiencing financial hardship in XXXX and was told I could put my loans on hold for 3 months by Navient, however I was charged over {$1100.00} in interest over that 3 month period. 
XXXX This document of the capitalized interest is in an uploaded document attached ) I have XXXX different private loans through Navient. On XXXX of my loans the interest rate is 10 % which is making it impossible to pay off my loans, I 've mostly been paying interest for the 10 years I 've been out of college. 
copy from my Navient account on XXXX of my private loans. 

Unpaid Principal {$15000.00} XXXX XXXX {$15000.00} XXXX XXXX 10.250 % Interest rates on private loans are set by the lender. 

After calling Navient numerous times to lower my interest rates I would be put on hold for XXXX minute and then told there is nothing they can do This has happened multiple times. 

I have over {$65000.00} in student loan debt and with my high interest rates that wo n't be adjusted and the deception by this company, it has been so hard to pay my loans off. 

I am looking to refinance with XXXX to have a better interest rate, but have been so unhappy with the service of Navient. After reading the lawsuits again them and other borrower 's stories I realize I am not the only XXXX suffering from student debt. I pay over {$500.00} a month and I feel I am not even making a dent in my loans.
Product: Debt collection

I have been dealing with Midland Credit Management over a debt. We agreed upon a XXXX month term of paying XXXX a month for XXXX months. I have paid for the XXXX months and when I called to verify with them they said I had to pay for XXXX months and that I still owe them. I requested a copy of the original settlement letter by email. They said they can not send that over email, I then asked for it to be mailed to my home address, they said they are only allowed to fax the letter. I informed them that I do not have a fax machine and they told me that they will not email, or mail me the letter because it violates federal laws. I am confused and I can not find my copy of the original settlement letter. I have paid the agreed upon amount and the agreed upon months and now I am hard pressed to pay XXXX more months with no justification except this company saying I have to. I also called on XXXX of 2015. At that time I spoke with a representative who told me that I would be done with all payments in XXXX of 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE THE RIGHT AND I HAVE NOT WAIVED THEM ..... 

Pursuant to the Fair Credit Reporting Act, 602 ( a ) ( 4 ), right to privacy [ 15 U.S.C. 1681 ] and 604 ( a ) ( 2 ), credit reporting agency must not report without written instructions from consumer. [ 15 U.S.C. 1681b ]. 

The following companies listed below are violating my rights : [ XXXX ] = XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XX/XX/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.XX/XX/XXXX, XXXX # : XXXX XXXX. SC XXXX XXXX XXXX XXXX # : XXXX [ EXPERIAN 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/XXXX, XXXX # : XXXX XXXX.XX/XX/XXXX XXXX XXXX XXXX XXXX # : XXXX
Product: Mortgage

My VA loan was transferred to American Portfolio management on XX/XX/XXXX. The loan was in COVID forbearance which was due to end XX/XX/XXXX. I requested a VA disaster relief modification toward the end of XXXX by phone. I sent an email on the servicer website on XX/XX/XXXX to ask about the status of the modification. The automated response was " Dear XXXX XXXX XXXX and XXXXXXXX XXXX XXXX : We received your message dated XX/XX/XXXX, regarding your modification. We are sending this response via email as our messaging portal is temporarily unavailable. We apologize for any confusion or inconvenience this may cause. 

Your account was service transferred on XX/XX/XXXX, this also transferred your pandemic forbearance effective XX/XX/XXXX, through XX/XX/XXXX. Your account was approved for a forbearance with a XXXX-payment requirement with our Loss Mitigation Department XXXX As of the date of this message, you are still working with our Loss Mitigation Department. If you have questions about your forbearance or any additional payment assistance, please contact our Loss Mitigation Department at XXXX. 

If you have any further questions or concerns, please feel free to contact our Customer Service Department at XXXX, or you may respond directly to this message. 

Sincerely, Research Department '' I found out today that the call and the request for the modification were not documented properly and the modification request was not submitted by the loss mitigation representative.The person on loss mitigation I spoke with today told me she would submitthe modification request and that it would take 60-90 days to process. This should have already happened from my first request. I am livid, what is my recourse? Do I now have to wait an additional 3 months for this company to do what I was told would happen back in XXXX? I am stuck with this company until I make six consecutive payments and can refinance ( 3 more months ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it states that i have an outstanding balance of {$2000.00} owing to XXXX University from the time i was enrolled in early XXXX. I have sent them multiple letters and proof showing that the stated amount was paid by my financial aid and yet they still refuse to fix my credit report and every time i dispute it they confirm that it is correct .Ability Recovery Services, LLC XXXX Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class Educational ; Client XXXX University XXXX Amount {$2000.00} ; Status as of XX/XX/XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX {$2000.00} ; Individual Account ; Account # XXXX ; Address : XXXX XXXX XXXX XXXX , XXXX XXXX PA XXXX : ( XXXX ) XXXX Department of Education XXXX XXXX XXXX XXXX TX XXXX : ( XXXX ) XXXX Balance {$2100.00} Amount {$2100.00} Items As of XX/XX/XXXX Date Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00} XX/XX/XXXX XX/XX/XXXX
Product: Credit card

I was charged XXXX by PayPal and left a. Negative balance When I ask what its for I dont get an answer The money that went from my bank account to PayPal XXXX not go towards any balance owed Also XXXX charges for XXXX are not legitimate charges I have called with no help at all XX/XX/year>XXXX XXXX