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

In accordance with the Fair Credit Reporting Act. Fair Credit Reporting Act ( FCRA ) is meant to ensure accuracy on your credit reports. Failing to send you notifications about your credit report or score in violation of the FCRA. Agencies fail to follow guidelines for handling disputes never giving notice of anything being investigated by mail in 5 days or more. Creditors give reporting agencies inaccurate financial information about me. 

Make sure my report is reporting 100 percent accurate, same line by line on all 3 bureaus or remove accounts, as they are violating my rights if there not 100 percent the same
Product: Credit reporting or other personal consumer reports

I am filing this dispute to address the non-compliance of XXXX with the CFPB 's XXXX rule regarding the removal of medical debt. Despite notifying TransUnion via a phone call on XX/XX/XXXX of the recent CFPB rule, their customer service agent refused to remove the medical debt item from my credit report. which is not compliant with the current rule nor sufficient to resolve the issue. Requested supervisor was advised on will contact me in XXXX business days. 
The medical debt in question is as follows : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : First four digits for privacy : XXXX Amount Owed : {$1500.00} Date Reported : XX/XX/XXXX This refusal to remove the debt violates my rights under the CFPB 's updated rule. I have attached the documentation for both medical debts that should be removed, and I am requesting that the CFPB investigate this matter immediately. 
Please let me know if additional information is required to proceed. 
Enclosures : 1. Documentation of Medical Debt ( Attached Screenshot ) 2. Copy of Credit Report Indicating the Disputed Item
Product: Student loan

I have federal student loans with FedLoan and they have had my loans since XX/XX/XXXX. I was in deferment until XX/XX/XXXX when I entered payments on an income based plan, My first and only position has been working for a 501 ( c ) 3 company and therefore have been participating in PSLF program. I have submitted employment verification to cover this entire time period and have tried to stay within qualifying payment plans. However, I have had many issues with this program, starting this multiple payments made the " do not qualify '' for various reasons. I have specifically contacted the representatives with each request of payment plan change and was reassured each time that any full payments would qualify. Specifically, I confirmed in XX/XX/XXXX prior to changing payment plans that all payments would be qualifying payments expect while in deferment. I have counted 66-69 qualifying payments but my account only reports 42 qualifying payments. 

To further complicate things, it has taken FedLoan over a year to review my previous requests for payment reviews ( made XX/XX/XXXX speaking with " XXXX '' ). I contacted them again today and spoke with " XXXX '' ID # XXXX about the situation and was informed not only is there no time estimate for reviews but that I had additional payments that were marked as " not qualifying '' that I was not informed of previously. These payments did not qualify because I was temporarily placed on a non-qualifying plan while I " Transitioned '' from one income base payment plan to the next despite specifically inquiring about this possibility and being reassured that it would not occur prior to making the request to change. I had to submit a separate request for review that might also take an " extended period '' to complete. At this rate, I will have completed my 120 payments and still not have confirmation that I am appropriately participating in this program despite multiple attempts to confirm such. 

Lastly, each time I recertify my income as required yearly to maintain a payment plan in REPAYE or other income based plan, my interest is capitalized. 

I have paid {$130000.00} since XXXX and still have {$200000.00}. Therefore, after over 5 years of payments, I still owe more than I original borrowed despite paying nearly 2/3 of the original debt. 

Thank you.
Product: Student loan

I am currently in the XXXX program that is being challenged in Federal court, and as result of that challenge my loans are in forbearance, and NOT subject to interest accrual per the federal courts orders. MOHELA is continuing to charge interest on my subsidized and unsubsidized loans, and increasing my balance by adding that daily compounded interest to them. 

My loans are not supposed to be accruing interest and MOHELA is servicing them incorrectly.
Product: Debt collection

Around the beginning of XXXX my father past away and I was in the middle of changing insurance companies. I requested a quote from XXXX and I let the representative it was too expensive. I rudely responded thank you for wasting my time. I ended up going with XXXX XXXX. The representative from XXXX fraudulently activated my quote in XXXX. I've tried to contact all state and the debt collection agency to get this resolved to no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on XXXX XXXX XXXX I wonder why Experian report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Credit reporting or other personal consumer reports

I hope this message reaches you promptly. I am writing to express my continued concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to address this matter, the fraudulent items persist, causing significant distress and financial hardship. 

I have reported this matter on numerous occasions, with each attempt aimed at resolving the issue expediently. Unfortunately, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in your services. 

Given the urgency of the situation, I urgently request the following actions be taken : Conduct an expedited and comprehensive review of the fraudulent activities associated with my account to facilitate the swift removal of all unauthorized items and transactions.

Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to resolve this issue.

Implement additional preventive measures on my account immediately to mitigate the risk of future unauthorized access or activities.

Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in your services.

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It started in XXXX last year, I have been disputing with them since last year. I recieved one letter from them stating I need to provide full account information.. Never recieved anything else from them, I have sent a total of 4 letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. The letter in XXXX was returned back to me for some reason.. Also they have been changing the amounts from XXXX to XXXX back down to XXXX in XXXX XXXX, XXXX which is against the law, I am requesting deletion for never verifying or validating the debt I owe and for not responding within 30 days of letter sent. Also for changing the amounts witht the credit bureaus thanks in advance.
Product: Credit reporting or other personal consumer reports

This account has not been verified and needs to be removed from my credit reports. I have requested verification from this company XX/XX/2024 and have not received anything to verify this debt and this has been well over 30 days. Im asking to have this removed completely from my credit reports as this is having a negative impact on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

I had been a customer of American Express Since XX/XX/XXXX. The last few years I epay my account through XXXX XXXX. I always pay the account in full. On my statement with the closing date of XX/XX/XXXX I was charged a {$27.00} late fee and {$16.00} in interest for a mistake that American Express made not XXXX XXXX who they tried to blame. The next month there was another {$14.00} in interest charges even though I pay in full. It took numerous phone calls to get those charges reversed mind you through no fault of my own. Yesterday I opened my new bill with closing date ofXX/XX/XXXX and saw {$9.00} interest charge. This is because instead of entering the balance of {$3500.00} in epay I entered {$3500.00} which is XXXX dollar short. I called XXXX to see if this could be resolved. {$9.00} for {$1.00} error plus the additional interest that would be charged next month. They would not do it so I closed my account easy enough. The female rep stated there were {$150.00} in reward points that would be credited to the final bill. Now XXXX through online chat is stating per the agreement no way am I getting the rewards. Really {$9.00} plus for a {$1.00} mistake. Nothing for their mistake and now they are cheating a once loyal customer out of their rewards.
Product: Credit card or prepaid card

Genesis Credit. Made purchase with XXXX for {$8000.00}. I was not told Genesis is like a credit card. Before I received the 1st statement, I was charged interest which made the account overlimit and reflected negative marks on my credit bureau. I contacted Genesis and was told there was nothing they could do. Also now I am being charged {$27.00} for an overlimit fee.
Product: Debt collection

I have been living in XXXX for 5 years and i have not have a credit card in 12 years someone open a capital one card in my name and they will not agree to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a loan to my credit file. I have never applied for nor have I ever been issued a loan by XXXX XXXX. XXXX XXXX is reporting a timeline of 14 years and 5 months. This account appearing on my public consumer file is false and inaccurate. It is out of compliance with the FCRA. I do not owe this alleged debt. Please remove this FALSE account that has been reported as a revolving or installment loan from my credit file in accordance with the FCRA. This account has not reported to nor has it been on my credit file for 14 years. This needs to be removed ASAP as this is a violation of credit reporting laws.
Product: Money transfer, virtual currency, or money service

XX/XX/01 I received a text that my password had changed, moments after I received a message that my 2-factor security settings had been changed. I spoke with a rep at Coinbase moments after receiving the messages who told me the transactions equaled {$4000.00} and that my account was locked. 
I called the following day to follow up and was told that my account was not locked and that the transaction had gone through and I owed coinbase {$5000.00}. 
It has been 4 days since this has happened and coinbase has not helped me to regain access to my account. I have sent in my ID per their request 3 times. The last email I received coinbase stated that they are clearing out my holdings to recover their loss and stated there is still a balance that I owe for the loss. They acknowledge the security breach and have provided me with information about the breach. Coinbase has failed to keep my account secure, failed to block a fraudulent transaction, and failed to protect me as a consumer.
Product: Credit reporting or other personal consumer reports

Accounts not properly updated following multiple XXXX disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I called and spoke with debt collection company I told them what i was willing to pay. They would not agree, I said i will look to make an agreement with the next debt collection company then. The manager said ok and the company continues to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an illegal transaction and information reported on both my credit report and background report stating I owe the sum of {$2400.00} for a property I have never lived in. This is incorrect. This is being reported from a company named CLEARA INC..I need this removed from my background report IMMEDIATELY with confirmation of removal. Thanks in advance.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have Purchase Protection as a card benefit on my Chase XXXX XXXX card. I lost a bag on the train on my way to the airport containing an handbag that I purchased on the card. The card explicitly states that involuntary separation is covered and they will not cover the cost of the lost bag and are claiming it was a " mysterious disappearance ''. I had reached out to the transit security to ask if the bag has come up and they have not found the bag. I have provided this evidence to my credit card and they are not accepting my documentation and rejecting the claim despite their terms and conditions stating that this incident should be covered. 

I submitted my claim through the link they provided me : XXXX Claim Number : XXXX
Product: Credit reporting or other personal consumer reports

Experian is constantly sending stall emails asking for verification of identity. I have given them my Drivers license, social security, and utility bill. They have claimed to have done a thorough investigation in less than 24 hours and that is just unreal. I want the names and verification process of how my information is being verified! This is a violation of consumer law by simply failing to properly investigate and this matter will be escalated. I am asking for debt validation once more or removal of unvalidated, incomplete, and inaccurate accounts immediately!
Product: Debt collection

The agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. The agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, XX/XX/2018, created Summary judgment, dated XX/XX/2018, and created Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hired by a company on Tuesday XX/XX/2019contingent on my background check screening. My background check was completed on Friday XXXX19. My start date was Tuesday XX/XX/XXXX. I was in orientation until about XXXX when I was then pulled out of conference room by Human Resources. I was sent to the Director of HR 's office and was told by the Director of Human Resources that the company  had to Part ways with me and was handed a check for the day. I then asked why I was being fired and the Director stated my background check reflects I have 4 previous XXXX 's, which is False. I do NOT have 4 XXXX 's. The report is incorrect and I told her that and I also asked why they are telling me this now when the report was completed on Friday as I got an email stating the report was completed. She stated that she wasn't there on Friday to retrieve the report and then she showed me the report and I told her that the information reporting on the background check report was incorrect. She didn't give me a chance to explain or prove myself, instead I was escorted out by HR. It was humiliating and embarrassing beyond words. When I got home I went online and obtained a Driving Record report from the CA DMV 's website along with proof that I am XXXX XXXX XXXX  Approved and I explained to her that I had to interview with XXXX and was finger printed and their background check is ran through the FBI 's database and that I was cleared and approved. I then emailed my supporting documentation to the Director of Human Resources and told her she made a mistake on reading the report and not giving me a chance to explain myself. I also texted message the hiring manager letting her know what happened because I really liked her and was excited to work there. The next day on XXXX19 the hiring manager messaged me back stating that she would talk to the Director to bring me back on board.That morning the Director of HR left me a voicemail stating she wanted to bring me back on board, but at that point I was so humiliated that I was not going to go back. I feel like I wasn't given the opportunity to prove myself at all. Her mind was made up as she had my check printed out already. I feel I was treated very unfair and was profiled and humiliated on my first day of employment.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am requesting that the reporting of this information be blocked and deleted. THIS REQUEST HAS ALREADY BEEN HONORED BY XXXX, and I have enclosed PROOF showing that the XXXX account listed here has already been DELETED by XXXX on XX/XX/24.
Product: Credit card or prepaid card

I got a US BankReliacard.com in the email that I did not ask for, nor do I want. 
I am not unemployed. 
I tried calling the various numbers on the paper and went to the website for the card, but the only option was to activate the card, ie there was not an option to talk to a live person. 

On XX/XX/XXXX my companies HR department informed me that my SSN might have been compromised as they had received and unemployment form for me - thus they have given me the need steps I am taking. 

This card arrived in XXXX mail on XX/XX/XXXX - so assume it is part of the entire fraudulent activity. 

Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the hard inquiry from my account from XXXX XXXX. I have never shared my SSN details to XXXXXXXX XXXX in any way. 

Also please freeze my credit details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax 3 times to try and unfreeze my credit after we were unsuccessful on their website, as requested by our mortgage broker. Equifax, after 30+ minutes on an automated system, then said that their system is down and they can not provide me any assistance or help in any way for at least 24 hours. Given that this company has access to hundreds of millions of US citizens personal information, it is unacceptable for them to put so many people at a total standstill. Contacted beginning on Thursday, XX/XX/2019 thru Sunday, XX/XX/2019. Their inability to assist people with credit freezes, unfreezes, as well as other pertinent information is a hindrance to peoples lives. After they were involved in a 100+ million breach of personal information they should not be allowed to continue to monitor such vital information.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT WAS NEVER AND CLOSED IN XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several dispute requests, Experian did not update, correct or delete the XXXX XXXX account # XXXX. 

There is still an incomplete payment history which shows huge gaps of no payments reporting at all, even though Experian says it was updated. The last status update was XX/XX/2020.
Product: Money transfer, virtual currency, or money service

I contacted Venmo customer service several times in XXXX, XXXX and XXXX to report to then that someone spoofed my number and got my email accounts and opened 2 Venmo accounts in my name from what I was told by Venmo. I dont think they ever shut these accounts down and I want to file a complaint and have the accounts shut down
Product: Credit reporting or other personal consumer reports

I am writing to seek clarification and verification regarding the reported late payment associated with my BANK OF AMERICA account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. 
I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.