23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I intially applied for Public Service loan forgiveness in XX/XX/XXXX. I was immediately denied for PSLF, which I expected, and then sent an email applying for TEPSLF. I did not hear any reply until XX/XX/XXXX. I was sent a form saying that I was at XXXX TEPSLF payments as of XX/XX/XXXX ( See attached document ). That would make me eligible after my XX/XX/XXXX payment. I talked with several customer service representatives to get a breakdown of payments. I was told that I had a period of forbearance in XXXX. I have a tax statement from my borrower during that time showing at least one payment. I submitted that document to MYFEDLOAN for review of that payment. Thinking that I could move my eligibility date up from XX/XX/XXXX. I have not heard a response from that review. I have called every week since XXXX to get a ruling and the only response I get is that it could take 90 days and it's in Treasury department within myfedloan. 

I submitted another PSLF application on XX/XX/XXXX, was denied for PSLF immediately, and sent in the follow-up email for TEPSLF review. I have not heard anything on that response and keep being told it's in review. 

Myfedloan updated their website to have a payment counter in XXXX of XXXX and showed that I was eligible for TEPSLF with employment certification regardless of the XX/XX/XXXX review. I submitted another combined PSLF/TEPSLF application on XX/XX/XXXX and was denied PSLF on XX/XX/XXXX. I have not heard a response on the TEPSLF status. I have been in contact with a call center supervisor who keeps telling me that my XXXX review has to go through even though their website says I'm eligible for TEPSLF according to their website.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out with two different credit agencies. Transunion XXXX XXXX. How ever its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S.C. 1681 Procedure in case of disputed accuracy If the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by consumers and the consumer notifies the agency directly or indirectly through reseller. Of such disputes the agency shall free of charge conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of disputed information or delete the item from the file in accordance with paragraph before the end of the 30 day period beginning on the date which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt apply for credit for a car loan with any of these companies or give anyone my permission to run my credit as a hard inquiry. XXXX  XXXX on XX/XX/23, Onemain XX/XX/23 and XXXX XXXX on XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion have been charging my credit card for 30 months. I never signed up for the service. I was going through a rough time in my life with divorce and XXXX  XXXX. I neglected to check my credit card bills until recently. I called XXXX ( XXXX ) VISA to report fraud. I learned that my card was on auto pay ... .therefore Transunion was able to bill me for 30 months even though I have changed cards 3 times. 
I called Transunion and asked for proof that I have signed up. They charged me {$19.00} a month staring on XX/XX/2018 for almost 2 years then increased to {$24.00}. I never ever heard of Transunion until yesterday. I did not sign up for any of their services. I have good credit score and was not interested any credit services. I have no debts and live a simple clean life. 
Transunion can not prove that I have signed up and I never received an email from them regarding their services. 
They are very difficult to get in touch with. I called 3 times. The first agent offered a 9 months refund, the second offer was 10 months refund, the third offer was 12 months refund. I am so angry of this scam or fraud. I want a full refund plus ( interest? ) Please help. 
XXXX
Product: Credit reporting or other personal consumer reports

I have tried to reach out to experian several times. I keep getting a AI response which keeps telling me there is no one to speak to. I'm trying to get a apartment which is making it hard and also there are accounts that shouldn't be on my credit report. They are also allowing others to view my address listing without my consent. I am a XXXX  XXXX victim and I'm scared that certain persons will find me
Product: Credit reporting, credit repair services, or other personal consumer reports

US BKPT CT UT XXXX XXXX  XXXX XXXX XXXX XXXXUS BKPT CT UT XXXX XXXX  XXXX XXXX XXXX XXXXUS BKPT CT UT XXXX XXXX XXXX XXXX XX/XX/XXXX US BKPT CT UT XXXX XXXX  XXXX XXXX XX/XX/XXXX US BKPT CT UT XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX The reporting of these accounts ( s ) is/are violations of 15 USC 1681a, the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of s specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ). credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license ID, and license plate credit cards the extension of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017.
In view of the XXXX problem, I tried to use all the three ( Experian, XXXX and XXXX ) sites to freeze my credit reports. I could not get any of them to work. 

They do not tell you what went wrong in the process but tell you to mail stuff in or call. 

Of course phone calls were not answered. 

It 's seems clear they are all making it nearly impossible for the normal person to freeze accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I called EQUIFAX to cancel my existing plan to re-enroll in the same at a lower price ( from {$29.00} to {$19.00} as advertised ). During the call, the agent asked for my credit card number, which I provided. I then asked what was the purpose of providing the number to which she replied that she needed it to initiate the new product which would result in a charge of {$19.00}. about 15 minutes into the call, the agent advised that systems were slow and asked me to bear with her for a moment longer. During that time, I checked my credit card statement with account associated with credit card I provided and saw that my account had been charged {$19.00}. After reviewing my statement, I immediately logged back into my EQUIFAX account only to find that my product had not been activated. By this time, the length of the call had reached 36 minutes and what I expected to be a simple transaction, turned into a billing issue.I allowed the agent a chance to rectify the issue but after 20 minutes, I desired to speak to a supervisor. At 56 minutes into the call, man who stated his name was XXXX with employee ID as given, is XXXX, advised the charges were initiated as an attempt to activate the product / plan under new rate of {$19.00} but failed due to an unforeseen authentication error. I demanded the reason for the error to which XXXX stated he was not aware and that the charges were pending and would be voided within 24 hours of the time stamp of the call. Transaction ID as given by XXXX is XXXX with initial timestamp of XXXX, XX/XX/2018. I expressed my frustration and requested a free month of service for the aggravation to which XXXX replied that executing such a request was beyond his authority. I immediately launched this complaint with claim upon which relief MUST BE GRANTED on grounds of discourtesy and and mismanagement of my account. The desired outcome is a full 3 months of premium free service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making requests to further investigate the accounts referenced in the attached letter for the last 10 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

CitiFinancial/HomeDepot has incorrectly charged me late fees as well as negatively impacted my credit for 30 days late payment for a debt I was never informed of ( credit impact was XXXX 2021 ). I have tried repeatedly to get some assistance from CitiFinancial, calling several times and speaking to reps informing them I was never informed of a debt. I had the account reps review my contact information, which for some reason was completely wrong. They had mailing addresses that I don't reside in, phone numbers I do not own and an email address that does not belong to me. The reps informed me they would submit dispute to resolve and every time i called back it was not filed properly on their end. I escalated up to executive teams and they still did not resolve my issue stating the debt was valid. I am not disputing the debt, I have informed them time and time again that how was I to pay a debt they never informed me about not by email, mailing address or phone call. Can someone please help me with this case, I feel as my credit is wrongfully being impacted, as I have never been late with anyone ever, as my credit report will reflect and this has dropped my score down 60+ points a time when I am trying to refinance my home. The amount of the debt was {$100.00} which was paid in full at the time i called the first time, the only way i was informed of this debt was when my XXXX  account flagged me for late payment and showed the decrease in my credit score.
Product: Credit card or prepaid card

My card issuer Coinbase was notified that a chargeback was needed for the following purchase. Information ask and answered multiple times via email in the following : Merchant name : XXXX Date/time of transaction : Placed on XX/XX/2022 XXXX Transaction amount : {$410.00} Dispute amount ( must include original transaction amount ) : {$410.00} Was the physical card compromised? No Is the card still in your possession? Yes Was this a recurring payment? No Have you purchased from this merchant in the past? No Have you tried to contact the merchant to resolve? Yes What merchandise or service was ordered and when was it expected to be received? XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Order shipment has not been fulfilled and no response has been made to several contact attempts through Email and Phone. 

Multiple times, I have made contact with Coinbase and they have sent me repeating emails asking for the above information after an initial report filed on XX/XX/2022 and then told me after the several attempts that I would have to wait an additional 90-days after which no reverse has been posted and no responses to further inquiries have been responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

as ofXX/XX/2023 i have noticed fraudelent accounts and inquiries on my credit report account name : XXXX XXXX account # : XXXX open date : - date of last payment XXXX XXXX $
Product: Mortgage

I have just received a " Notice of Default '' from the servicer ( SPS ) on XXXX XXXX, XXXX. I believe my loan is NOT in default. 
Although my Ch.XXXX bankruptcy was discharged ( to my disbelief! ) recently on XXXX XXXX, XXXX, my case is XXXX pending the Bankruptcy Court 's decision on the Trial hearing next month, on XXXX XXXX, XXXX. The Court is supposed to Determine the Final Cure on XXXX XXXX, XXXX. 
In the " Notice of Default '', Select Portfolio Servicing ( SPS ) demanded that I paid an unreasonable, unsubstantiated cured amount in 30 days, or they will foreclose my house. The cured amount has been challenged in the bankruptcy court. The evidence of fraud, misrepresentation and other reasons will be submitted to the Court at the up-coming hearing in XXXX XXXX. 
I respectully request CFPB 's interferring to stop the abuse by the servicer ( SPS ) while waiting for the Court decision. The abuse has continued and carried on after XXXX XXXX XXXX had violated countless rules and regulations for almost 5 years. However, XXXX has MANAGED to try to cover-up by filing certain documents in the Bankruptcy Court and transferring the servicing and ( supposedly ) removed itself from liabilities. 
My loan originated a XX/XX/XXXX XXXX PASS-THROUGH CERTIFICATE SERIES XX/XX/XXXX-XXXX, modified under HAMP by XXXX in XX/XX/XXXX. 
Thank you for your time. 
Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agencies are reporting accounts as if they are new collections, when in fact the original date of delinquency should be 6 or 7 years old. ( medical bills. stemming from a car accident ). 
1 ) Paramount Recovery Opened XX/XX/2019 {$380.00} Original creditor : XXXX XXXX XXXX 2 ) XXXX XXXX XXXX Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 3 ) XXXX  XXXX  Opened XX/XX/2019 {$4100.00} Original creditor : XXXX XXXX XXXX 4 ) XXXX  Opened XX/XX/2019 {$1100.00} Original creditor : XXXX XXXX XXXX XXXX 5 ) XXXX XXXX  Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 6 ) XXXX  XXXX Reported : XXXX XXXX, 2019 {$460.00} 7 ) XXXX XXXX Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX 8 ) XXXX   XXXX XXXX Opened XX/XX/2019 {$1300.00} Original creditor : XXXX XXXX XXXX
Product: Checking or savings account

Citizens bank rearranged posted transactions in order to maximize the number of overdrafts they could charge me. On XX/XX/XXXX before XXXX my account showed 3 preauthorized payments of a phone bill, gas bill and credit card bill coming out of the available balance. The account at this point was still in the positive. After XXXX a mortgage payment that was not supposed to be auto paid until XX/XX/XXXX was taken out causing the account to over draft. the next day on the XXXX Citizens bank rearranged the order in which these transactions posted the day before so instead of getting 1 overdraft fee they received 3. XXXX  XXXX XXXX and XXXX XXXX just were in a class action suit over this. This should not be allowed for the bank to rearrange postings in order to maximize their profit margin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED and CORRECTED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of 2024, I filled out an application for a rental property that was ultimately denied due to a rent score from transunion. This rent score is a score different from your regular credit score. However, the consumer is not privy to the breakdown of how this score is comprised. What are the factors and percentages of the factors that go towards how we get this score? How does the scoring algorithm actually work? This appears to be an unlawful business model depriving people of the necessity of housing. There needs to be another class action lawsuit challenging the legality of this model - whatever that may be. Also, if the majority of credit files contain erroneous information, how is that information reliable enough to come to any type of score?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized credit inquiry that was made on my credit report by XXXX XXXX XXXX The inquiry, which appears to have occurred without my explicit consent, has adversely affected my credit score and caused me significant concern. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. Specifically, I believe that the inquiry in question was not authorized by me, and I am requesting that it be removed from my credit report immediately. 

Details of the Unauthorized Inquiry : Inquiry Date : XX/XX/year> Inquiry Type : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Contact Number : ( XXXX ) XXXX My Full Name : XXXX XXXX XXXX XXXX I kindly request that you : Investigate this matter and provide documentation proving that I authorized this inquiry. 
If you can not provide such documentation, promptly remove the unauthorized inquiry from my credit report. 
Provide written confirmation of the removal of this inquiry and any correction made to my credit report.
Product: Debt collection

This debt collector has not provided me proper debt validation for this allege debt. Please delete this from my credit report.they are violating my rights
Product: Debt collection

I called to settle a debt with IC systems and they asked if I was related to a person that is n't me. I found out about this debt because it is a negative reflection on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a new complaint to the CFPB with respects to XXXX XXXX  # XXXX on XX/XX/XXXX advising I have asked the credit bureaus to provide me with documentation of how the properly did an investigation on XX/XX/XXXX, XX/XX/XXXX & XXXX/XXXX/XXXX and how they were able to " verify '' the account. 

I am being told they verified the information but how? I have not received anything from the bureaus or the finisher so how is this possible? I am a real person and I am being ignored. I have asked several times as I have the right to have proof of the investigation. According to the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. 

The credit buraus are stating my account was properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, and the date last activity is inaccurate. I have attached another copy of the report to show this is still inaccurate as of XX/XX/XXXX. This is grounds for removal. They also have violated my rights under : 15 USC 1681 Section 602A : States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer. The attached credit reports from month to month shows the inaccuracies AS PROOF and must be delete from my report. 

I have provided the letters and I am being ignored. I plan to seek legal counsel if this is not removed as the bureaus are in clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion after receiving my credit report about inaccurate items on my report. 
Transunion is showing different variations of name ion their report. My legal name is XXXX XXXX XXXX. I sent a copy of birth certificate with proof of address and a copy of my drivers license which all state my legal name. 
Transunion shows XXXX, XXXX, XXXX as a name I am known as which is inaccurate reporting. 
Transunion also shows inaccurate information concerning my address. They state my address as XXXX XXXX XXXX XXXX  which is inaccurate reporting and XXXX XXXX XXXX XXXX which is inaccurate as well. My address is XXXX XXXX XXXX. XXXX XXXX, Mo. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXeported Identity Theft ) - Fraudulently Opened XXXX XXXX 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. CHECK INTO C on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/scrub> XXXX XXXX