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

I have a large delinquent balance that is being addressed during my divorce. It should total around $ XXXX in cc charges. I noticed several months ago XXXX is reporting my delinquent amount as $ XXXX! They are reporting the original account AND the purchased account from the debt collector doubling everything that appears on my report. Equifax is starting to do it as well. Once the account is purchased by the debt collection company it is no longer delinquent with the original creditor and therefore should switch the original account to closed not delinquent. I have reported and requested more than once for this to be corrected. I also requested a refund for some profile fees XXXX charged me that I was not aware of and then could not investigate since they locked down my account and it took me three days and 8 hours of phone work to get a human on the phone. This is ridiculous! 
* Equifax also had me locked out of my account for months with no resolution until I sat on the line for hours on end waiting for an agent to assist me. 
It is unbelievable that these companies are in charge of our lives and yet get away with shady practices, mistakes, stealing- and they aren'y even secure, I should have stacked up a few more years of identity theft protection VIP services because I have been included in so many hackings through the credit bereaus. By the way, if I read the history correctly no one legally appointed these businesses to the throne they anointed themselves the keeper of all the knowledge. In my book, without my permission, they are essentially the biggest identity theft hackers and stalkers in the world, I want my private and confidential information removed!!! I do not trust these crooked corporations! 

And finally, they all show us a number sometimes two when we log into these credit profiles. These numbers are supposed to represent our credit scores. Except, these three almight big brothers can't agree with each other what our scores are, AND ON TOP OF DISPLAYING ALL DIFFERENT RANDOM NUMBERS, when you try and purchase say a car, the loan agent comes back with yet a different number that supposedly is your real credit score, it's always lower than what you have been told, and no one knows why. 

Lastly, XXXX 's XXXX XXXX is a scam. None of the " XXXX '' they found on my account were ever actually applied to my score positively or even showing on my account as far as I can tell. that is flat out fraud and disception.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block these inquiries which were unauthorized within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX phone number XXXX has called my adult children multiple times, they also called an elderly neighbor but they have not called me. They have also called my daughters number asking for another person regarding me. My daughter has not lived a my address for 10 years and my son has never lived at my address. When I called the number left on my daughters voice mail with the reference number they would not tell me why they are trying to contact me unless I give them my SSN. Four years ago someone filed an income return with my SSN and it cost me a lot of money to get it resolved so unless I know the company and the exact reason I will not give my number out. Since I called XXXX XXXX XXXX they have continued to call my children and people I have no association with other than we live on the same street. I  have not received mail from them explaining why they are looking for me. The phone calls are multiple times during the day and everyday.
Product: Credit card

Dispute XXXX XXXX Day Late. 

Discover Internet Payment Confirmation, XXXX Paid Confirmation Number XXXX, amount {$1400.00} Set to Draw XXXX to Pay XXXX. Discover Never Processed Payment! 

Facts. Discover autopay activated by agent recommendation the same day. Set up. XXXXetter received confirming autopay ( attached ). Discover cancels DirectPay same day, letter ( attached ) sent XXXX and received XXXX. Well after the XXXX due date. Interesting, we will get to this later. 

Now, listen to this. Per my last dispute XXXX they claim the following. " Since it was the second consecutive non-sufficient fund return with no good payment and both payments were from the same bank, we cancelled all future payments scheduled with that bank. A notification was sent advising you of the cancelled payments '' Cancelled ALL FUTURE PAYMENTS. Well ... lets dig into this shall we. 

Attached is my payment history using the same bank account to pay Discover. You know the one CANCELLING ALL FUTURE PAYMENTS. There have now been XXXX ACH drafted payments from account ending in XXXX and not a single one returned or removed. Why is that? Discover got revenge. 

Back to the Discover letter. I am coming up on the verge of having a XXXX late on my credit report. So important, an agent reaches out to me to initiate payment yet never discloses on the call I can not make payment from a certain account. It would not be accepted. Would this not have been pertain information to have at the time? Payment had to post and Discover puts a letter in the mail on XXXX. ( attached ) from XXXX XXXX XXXX to XXXX XXXX. Regular mail, that's XXXX business days. ( Attached ) This was their best solution? Huh... 

Why? Interesting fact is they have secure message since I am not enrolled in paper billing? That's how I received my enrollment for Autopay. ( Attached screenshot ) Could they have not initiated a secure message as an important better way to respond? Even by email this was received XX/XX/year>. Secure message would have given me plenty of time to speak with an agent. But what are we going to do now, set up a cash payment? 

Discover is wrong. I am seeking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have unauthorized inquiries and account that are being reported charge OFF OR LATE AND THEY ARE NOT
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report and I notice there is an unauthorized credit inquiry made by the company listed at the end of this document. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the fair credit reporting act S604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in the unauthorized credit inquiry. As part of your investigation, please send the names, business addresses and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I request a copy of any documents authorizing credit inquiry and signed on my behalf so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind to forward to me documents that you have had the unauthorized inquiry removed. If you find that I am in error, please send proof of this. According to the provisions of S612 ( 15 us S 1681j ), there should be no charge for this report. 
Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified this items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since y
ou claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS?

I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2019 I deposited a mobile check. Funds were to be available XX/XX/2019. They deliberately withheld the funds until XX/XX/2019. Meanwhile I incurred three NSF on XX/XX/2019. The check amount was {$330.00}. My bank is BBVA Compass. They refuse to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Carrington is https : //www.consumerfinance.gov/still harassing me not to give me my money to fix the rest of my house. The loss department is going against the bankruptcy department, that they do sign insurance checks even though the home owner is under bankruptcy. They still let the home owner have the money back to repair their house. It took 4 months for my insurance to give me this money. My health is also being documented by my doctor 's office. My XXXX XXXX is XXXX and my XXXX is getting worse with the mold smell. They want to keep making up lies that the bankruptcy department told me wrong information. I am not signing the check for them to keep and not send it back to me. Now their new excuse is I'm under bankruptcy why won't sign it back to me. It's just pure harassment sexism, discrimination gender discrimination because I'm a female. I have experienced gender harassment my whole life from mortgage companies. Carrington is being downright cruel and inhumane to me.
Product: Student loan

I am making payments on my student loan to Fedloan towards Public Service Loan Forgiveness. This is a program in which your debt can be forgiven if you make 120 on-time monthly payments while working for a non-profit. Annually I file a certification form certifying my payments as qualifying towards forgiveness. 

During my last certification in XX/XX/XXXX I was informed that the payments I made of {$200.00} in XXXX, XXXX and XXXX of XXXX were not counted towards PSLF. This is a mistake as I made the payments on time and have been employed at the same non-profit where I work now for over 3 years. I called Fedloan and brought this to their attention in XX/XX/XXXX after I reviewed their records and discovered their error. I have not heard back from them in the 6 months since then. I called them about this today and was told it has not yet been reviewed and they could not give me a timeline of when it will be reviewed. In XX/XX/XXXX I also requested a list of the dates of all payments currently being counted towards PSLF and have not yet been provided this list. 

I had a similar terrible situation previously with Fedloan where payments were not counted in error. This was eventually resolved, but it took over a year. I called and emailed Fedloan over 20 times during that year and I could never get them to review their error. They only finally resolved the matter after I asked my congressman to contact them. I am very confident Fedloan has no intention of reviewing the errors on my account ever unless they are forced to by the CFPB. 

Fedloan is absolutely the worst company I have ever had to deal with. Thanks for your help.
Product: Student loan

On XX/XX/21, I discovered ( thru XXXX XXXX ) a student loan listed ( opened on XX/XX/21 ) on my credit report which I had not opened. Student loan is for {$10000.00}. There were no hard inquiries or any other items that would have notified me of the load. I contacted Great Lakes ( the lender for this loan ), but customer service was unable to help me because I did not have needed information to confirm my identity ( because the name used on the loan was my name before marriage and the address used was one I haven't lived at for 35 years ). I asked for the fraud department number and called them. They were able to tell me the name and address used, and the school receiving the disbursement ( XXXX XXXX ). I have filed a police report and requested a Loan Discharge Application form from Great Lakes, and am in the process of getting everything together for that. I have locked my credit reports ( although with no hard inquiries made, I'm not sure if that will help at all ). I have contacted my bank to let them know & to note the info in my account in case something suspicious takes place with that account.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently, I did an investigation on my consumer report which has caused XXXX XXXXXXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : 1. XXXX XXXX XXXX Open Date : XX/XX/XXXX 2. XXXX XXXX XXXX Open Date : XX/XX/XXXX 3. XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX 4. XXXX XXXX Open Date : XX/XX/XXXX 5. Account Number : XXXX
Product: Credit card or prepaid card

On XXXX XXXX, I returned an item to XXXX that I had originally purchased using the American Express Bluebird card. XXXX processed my return and provided me with a credit receipt. Moments later, I viewed my Bluebird account and saw that Amex had processed this transaction as a purchase instead of a credit. Amex out a hold on my my account for {$21.00}. I called Amex and they said that XXXX processed the transaction as a purchase and that they did not see a transaction for a credit. Despite me telling them that I had the receipt and transaction number as proof that it was a credit, they refused to lift the hold on my funds. About two days later, the XXXX credit came through despite Amex telling me that they had no evidence of the credit transaction. My funds still remain on hold with no help from Amex. I do not believe that XXXX caused the purchase transaction, but rather I believe that Amex is illegally holding my funds to capitalize on my money.
Product: Credit reporting, credit repair services, 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 account # XXXX, has violated my rights. XXXX account # XXXX, has violated my rights. XXXX  account # 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 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. I need a copy of the original debt with my signature on it, also need a copy of Name and Address of the original creditor. I need the full payment history of the original creditor. I also need proof that they now own and been assigned to collect the debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not sent out updated copy
Product: Credit reporting, credit repair services, or other personal consumer reports

Having issued with the three credit bureau 's. XXXX place a Fraud Alert on my credit account. I contacted XXXX via fax, to remove the Fraud Alert. I was told that it would take up to 48 hrs. for removal, I also contacted XXXX and TransUnion, was it would be removed by the end of the business day. Around the beginning of XX/XX/XXXX I contacted XXXX again requesting the removal, I was giving a case number of XXXX and a conformation number of XXXX stated from them that the Fraud removal was done. I contacted the other two  agencies requesting the same, I was told by both agencies that they could not remove the alert until XXXX remove it. Contacted XXXX  again requesting the removal, was told that the alert was removed and that he would put in another request in because I could still see the alert attached to the account that was monitored through them, given the conf. no. XXXX. also mailed in a request on XXXX XXXX,2017. as of today the Fraud Alert still stand on the accounts. Today I received correspondence 's from XXXX and TransUnion stating that I requested an Extended Alert to be place on the account, to which I placed no such requested. Contacted the bureau 's was told XXXX  and a third party requested X/X/17 and X/XX/17
Product: Mortgage

My loan was transferred to Select Portfolio Servicing Inc, XX/XX/2023. First payment XX/XX/2023. After speaking to a representative, they stated payment through their website ( XXXX - XXXX ) would result in a {$5.00} transaction fee and ( XXXX ) transaction fee of {$15.00}. Also, there is a fee to make payments over the phone with and without a representative. These fees are excessive for making payments to your account. Please review their policy and advise. Are these fees for payment to your account legal? 

Thanks,
Product: Checking or savings account

Complaint by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX Cell : XXXX XXXX XXXX ============== Complaint Against : Citizens Bank One Citizens XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX ============== Dear sir/madam, Hope you are well, I would like to file a complaint against ( Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. 

Despite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. 

The merchant continued to charge my card, however, even after I had canceled the transaction with them. 

The disputed amount is {$4500.00} and the bank decided to let the merchant keep the money and the goods, as well. 

I have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. 

I filed several appeals, but all my appeals were denied, however. The bank denied my last appeal falsly claiming that the dispute was not filed timely, which is totally false. 

Thank you for your kind assistance and look forward to hearing from you. 


The bank seems to be biased against me a d discriminated meon the basis of Ethnicity, National Origin, Gender, and age. 


I have never received the goods and need a full refund. 


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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submit these ongoing issues from creditor and credit reporting bureau XXXX. I have requested several times for XXXX to verify and correct misinformation and balances on my credit file all which come back verified disputes. I ask that you request credit history from XX/XX/XXXX in regards to Habitat for Humanity. On XX/XX/XXXX creditor States current balance is XXXX. On XX/XX/XXXX reported to XXXX  in dispute balance XXXX. On Credit history for XXXX XXXX from XX/XX/XXXX. I have submitted several times billing documents for hospital proving Medicaid coverage, however disputes continues to verify information. On top of my information being taken in the breach, I am now going back and forth with disputes that are known discrepancies.