23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I filed for Loan Forgiveness on XX/XX/XXXX with XXXX. On XX/XX/XXXX, I adjusted my payment plan to a Pay as You Earn ( PAYE ) plan, per the requirements of the Loan Forgiveness program. An additional requirement was that my loan servicer became XXXX. I filed all of the appropriate paperwork, and was told that, after switching to an income-based plan, my monthly payments would be {$220.00} per month. My loans were then transferred from XXXX to XXXX and I began my monthly {$220.00} payments on XX/XX/XXXX. On XX/XX/XXXX, I re-filed my Income-Driven Repayment plan request ( IDR request ) for the Loan Forgiveness program with XXXX ( and nothing about my income, employer, residence, etc has changed ). I was told that, based on my income level, my monthly payments should be {$10.00} per month, beginning XX/XX/XXXX. I contacted XXXX Customer Service Department on XX/XX/XXXX to inquire about why my monthly payment has drastically decreased despite nothing about my employment or income has changed. I was told that I should have been paying {$10.00} per month all along, and it must have been an " error '' from my previous loan servicer, XXXX. The gentleman from XXXX told me that, XXXX must not have had all of the information to complete my PAYE request on XX/XX/XXXX, although I received confirmation of my request from XXXX, and that I had been paying the standard payment. I also have no record of being informed that XXXX could not complete the IDR request and were therefore doing to change me to the standard payment plan. The gentleman told me that XXXX could not reimburse me for my excessive payments for the last year because they charge what my previous loan servicer told them to charge.
Product: Credit card or prepaid card

In the beginning ofXX/XX/XXXX I Purchased a cell phone from XXXX by buyer name XXXX XXXX I took over a week for me to get this item yes actually we sell the item out. And it took me over a month to try to get it activated and it was not possible, I went to XXXX store several times and called customer service several times as well as the manufacture of the phone which is algae. The manufacture told me it wasnt possible to activate the phone because it was an event in this cut from this country. I contacted XXXX but it was past the 30 days so they couldnt do anything so I called XXXX  for a refund the seller was giving him and me a hard time as two he wouldnt respond to me and stop replying back to XXXX. Before he stop replying to XXXX he told them to us that he wants the phone back and then I will get my refund I told him if he pays the shipping which he did not want to do. From then XXXX  told me to call Discover card which is my card that I paid the transaction. On XX/XX/XXXX a dispute was made and they refunded me the money back temporarily then In XX/XX/XXXXthey told me that they didnt get the item I had to send the item out when XXXX had told me I could keep it prior to that. So from there I had to go to the post office in XX/XX/XXXX so I cant send the item out answers and I also sent out proof with pictures with a picture of the package in the postal package and also the receipt of postal with the tracking number. In XX/XX/XXXX or XX/XX/XXXX I received a notification that the amount owed to me was reversed When I had already uploaded all documentation. They reopened the dispute reimbursed me the credit again and then now today on XX/XX/XXXX I received an email saying that the dispute was closed for the second or third time and that the seller is saying that theyre still saying that they did not get the item when I uploaded proof that I sent out the item to the post office and I also sent out the post office receipt with the trackingNow discovered never informed me that I needed to go to the post office to pick up a form stating that this item was delivered all of these months later they telling me this now. When all of this started I told him in the beginning that the seller would do this I told him that the seller would try to keep my money and also keep the item which is the cell phone and hes getting away with it this is an OK hes not going to keep my money in Discover is not doing anything further
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.

DELETE THESE ACCOUNTS :
Product: Credit reporting, credit repair services, or other personal consumer reports

Calling into Equifax customer service at XXXX I used rhe callback function and was called back by an auto dialer where I spoke with a representative XXXX  number XXXX. The representative refused to validate my account and also to transfer me to his supervisor. A supervisor by the name of XXXX came onto the three way call and he disconnected her from the line then put me back on hold on a call going on twenty minutes. He refused to tell me his name so I am considering this a complete breach and FRAUD. I was told by supervisor XXXX when she came on his name was XXXX. He tried to allege that I would have to mail some documents in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under this circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. This is fraudulent & is impacting my ability to gain credit. 
The company do not have the right to report the account since they lack any permission. XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX account # XXXX is reporting to transuion collection and last active date on XX/XX/XXXX and a last reported date on XX/XX/XXXX, XXXX is reporting a active date of XX/XX/XXXX and last reported date on XX/XX/XXXX, on Account # XXXX, and XXXX is XXXX a last reported date of XX/XX/XXXX and a last active date on XXXX 

all this incoorect information on my credit file is hurting me ... and not mine to began with please delete and remove from my crdit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question XXXX XXXX XXXX XXXX $ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well XXXX XXXX I have contacted the creditors about dis account and ask them to dispute the items but they never did dispute so I writing asking for dis account to be removed off my file because the opening and closed dates are definitely wrong and also it's still showing that the account is still open which should been closed cuz I paid it off and they said it was going to be removed but did it so yo resolve dis issue asking for it 2 be removed off XXXX report only
Product: Money transfer, virtual currency, or money service

This is about paypal credit. I opened the account because I got an email offer but it wont let me buy anything with it and PayPal doesnt have the best customer service so I would like to request something be done about it. Thank you
Product: Debt collection

This debt collection company called me to collect a debt that is from the year 2019 and has been removed several times from my credit report because it comes from an already verified identity theft. They say that this debt is from the company XXXX XXXX XXXX of the Year 2019 and that it has passed through several collection agencies. This shows that this account is false since none of the collection agencies that have put it in my credit bureau has been able to keep it because it is a fraudulent account. 

I was not in the United States that year and I recently contacted the original company of that XXXX XXXX XXXX account and they don't even know about this account. Attached to this complaint is my identity theft report. I made a complaint to the XXXX XXXX XXXX XXXX XXXX Department for selling a fraudulent debt to collection companies.
Product: Bank account or service

Citizens Bank - refinancing of equity loanI was notified by bank that my existing equity loan was about to expire. after check alternative sources - I was encourage to simply refinance the loan through the local Branch ( XXXX XXXX, XXXX XXXX ) After submitted all necessary documents the loan was approve by their Mortgage Dept in XXXX XXXX? I had a closing and signed all requested documents - the loan was posted with the new balance available .. now after month+ ( I had drawn no additional funds but made several payments to the equity loan - now they have screwed up now asking for more documents? the local branch called and stated the want a copy wife 's original death certificate - Although I had already furnished it originally - I called the local funeral parlor and they went to the town hall got another certifified and delivered it to the branch personally - now they apparently want more documents - my equity on- line shows XXXX balance available - and even does n't show my equity payments I made through interbank transfers - I have over 15 years experience with never a late charge and both Citizens business and personal accounts .. my credit rating is and has always been excellent with a XXXX + rating - I have always been prudent with my finances and managed them appropriately - I 'm now in XXXX and likely what ever they might need now is in my home in XXXX XXXX - I think they apparently screwed up internally and if additional documents or information was needed - they should have gotten it prior to approval and closing - not now burdening me from a distance with their incompetence - and now without access to their approved equity loan! 

my Address in XXXX is XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX cell XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, someone applied two times for a XXXX XXXX credit card and i ask TransUnion to removed it from my credit report because they are fraudulent hard inquiries but they refused. I received a letter from XXXX XXXX letting me know they have told TransUnion to remove both of the fraudulent hard inquiries from my credit report but nothing has happen yet. This is a very serious matter, Im very frustrated and TransUnion won't help me fix it. Please remove XXXX  XX/XX/XXXX and XXXX  XX/XX/XXXX from my credit report.
Product: Checking or savings account

On XX/XX/2021 I login to my account and it was locked ... advised to call customer service to find out what happened. I called, spoke to a representative and ask questions about my current balance of almost {$3000.00} and 9 claims pending. I was not given anything and makes me more anxious about what is happening to my money and claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I found out that there is erroneous account that is still reporting in my credit report. I already sent a letter for request to Experian Credit Bureaus to investigate the assumed account, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following item : Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} :
Product: Debt collection

Bankruptcy CHXXXX in XXXX, last payments XXXX XXXX. Had acct XXXX XXXX in XXXX. Paid XXXX XXXX. I do n't remember this but Bankruptcy CR in XXXX XXXX showed another loan opened in XXXX XXXX for {$15000.00}. This XXXX not shown on XXXX XXXX XXXX. Payments were made to XXXX thru the court starting XXXX XXXX with last being XXXX XXXX. This acct not shown on XXXX XXXX XXXX. As of XXXX XXXX a new account appeared delinquent on XXXX from Ditech, opened in " XXXX XXXX '' last pymnt XXXX XXXX, charged off {$10000.00} " reported XXXX XXXX '' meaning they are re aging this as well as claiming the account as theirs. Nothing stating it was in Bankruptcy.
Product: Credit reporting

XXXX XXXX I have several inquiries on my credit reports some of which are duplicates of at least XXXX different dates that someone had tried to use my information to open an about. As well as a new collections account that i have absolutely no idea about nor did i ever authorize anyone to use my information for anything at all.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
Clerical Error at XXXXXXXX XXXX : After contacting XXXX XXXX XXXX customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXX XXXX acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between XXXX, XXXX, and Equifax indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and US Bank XXXX XXXX to have the inquiry removed from my XXXX account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Debt or credit management

As you can see from the attached documents, this account has been paid and as requested and state by the company should be deleted from my credit report on all 3 reporting agencies. As you can also see, it has not been deleted and additionally will be reporting until XXXX of XXXX. This is exorbitant and malicious abuse that will continue to hurt my credit and my ability to achieve my inalienable rights. Please have them remove this negative reporting. 
Regards, XXXX XXXX XXXX XXXX
Product: Debt collection

Negative information has been placed on my credit report by Fox Collections that I have no knowledge of. These accounts are : XXXX XXXX XXXX  {$140.00} and XXXX XXXX XXXX {$1100.00} I have no knowledge of these accounts and NEVER received any notice from this agency written or otherwise of there efforts to collect on these alleged accounts. Pursuant to the Fair Credit Reporting Act, the Fair Credit Billing Act and the Fair Debt Collections Practices Act I have the right to dispute and request validation of a debt once I have been notified. I was never notified. And my rights as a consumer have been violated
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a report from your organization, and surprisingly, I found some unauthorized inquiry as well as invalid information, and it's written below : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I notified the creditor who made the inquiry to remove it and told them to stop doing these kinds of things but as of now, there's still no response from them, As I believed this violates the Fair Credit Reporting Act. I'm asking for it to be investigated thoroughly and do something accordingly with regards to my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> CIC Mortgage did an unauthorized and nonconsensual credit inquiry of a hard hit reducing overall credit score. Did not authorize such an inquiry or looking at new credit or refinance. Upon contact was told it was a computer error, and it would be corrected. It has not been corrected and they could provide NO proof that I specifically authorized such an inquiry. 
I have had to place a costly credit monitoring on my accounts now and my APR has increased with other companies due to this unauthorized inquiry reducing my credit score.

Contact had to be researched through Internet searches as the company does not even list contact information on inquiry.
Product: Credit card or prepaid card

DirectExpress Debit MasterCard XXXX XXXX XXXX XXXX TX XXXX Trying to steal your Social Security or other Federal Benefits. XXXX If you call their " Customer Service '' number, you are automatically signed up to have them sent your Social Security, or other federal, benefits. You then have to pay to use the funds. <P/>It says they have the US Department of Treasury, Financial Management Service " permission '' to use the mumbo jumbo. <P/>Thieves. Scammers. Semitic Smile on the female dog that is on their misleading flyer. Texans. <P/>The stress of thinking I could lose my money this way, fear of having to pay to use my money, deserves damages compensation. <P/>{$10000.00} due me, in full, Immediately. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

: I have recently been informed again that there is negative information reported by LANIER COLLECTION AG in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$260.00}, {$530.00}, {$64.00}. I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twice or reported wrongthis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax, After reviewing my consumer report today XX/XX/2023 i noticed your company is reporting an alleged medical debt from XXXX XXXX XXXX. This is direct violation of HIPAA privacy rule as i never gave XXXX XXXX XXXX any written documentation to release my personal medical information to you or anyone else. 

I request this account be permanently deleted immediately. 
Or Provide me documentation within 30 days of this notice, showing my written request to release my medical information to your company. 

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

In accordance with the Fair Credit Reporting Act, [ XXXX XXXX XXXX ] has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

On XXXX XXXX I received all of my credit reports and a account from XXXX XXXX is reporting negative information about a collection that is Not mine. I paid the original Creditor on the day of service. And my insurance company paid the difference.. i have no knowledge of owing XXXX Partners and has never received any information validating a debt with XXXX.. I disputed this information with all credit reporting agencies and its still reporting negatively on my credit files..