23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt was reported through credit bureaus as not belonging to me. Credit bureaus did an investigation, and the debt was validated that it was definitely not my debt. The company is now reaching out to me to fill out a fraud packet with through their company. They are not the original company with the debt. I have already completed a fraud alert through my own credit monitoring company. They are sending a fraud packet to address the identity theft claim regarding the account that has already been addressed. This is not my account. Why are they harassing and accusing me again. This is not fair. What the purpose of going through the credit bureau if I am going to have to keep revisiting this over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS MAY CONCERN I PREVIOUSLY DISPUTED THIS COLLECTION ACCOUNT AND IT WAS CONFIRMED TO BE REMOVED, HOWEVER IT CAME BACK UNDER ANOTHER COLLECTION COMPANY NAME : XXXX XXXX XXXX  ACC NUMER XXXX DATE OPENED XXXX XXXX, 2023
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, 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 or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX
Product: Credit reporting 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 this reporting items as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My student loan was forgiven. Originally amount was {$260000.00} now its {$11000.00}. XXXX and all credit reports keep showing a balance of {$110000.00}, when its supposed to be {$11000.00} total. 

I filed a dispute with credit bureaus I contacted XXXX whos servicing my loan and confirmed my balance. 

I checked FASFA who also confirmed my balance. 

This is wrong and hurting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

New complaint. Equifax refuses to remove the XXXXXXXX XXXX account. And also the XXXX - XXXX XXXX account from my credit report. They are both beyond the 7 years rule of removal.
Product: Debt collection

On XXXX  XX/XX/year> I received a call from a number I didnt know. When I answered I asked who was speaking. The lady informed me her name was XXXX. I then proceeded to ask what company she was calling from. She tells me I was asking to many questions and hung the phone up. When I looked up the number it was associated with National Credit Systems. The same day, I get a notification from my credit report with National Credit Systems in the amount of {$320.00} but no other information is found regarding where the debt came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.
Product: Debt collection

I contacted Golden State Collections LLC after I discovered a debt on my credit from them. I have sent them XXXX certified letters thus far and I have not received a response and the account is still on my credit. It has been 3 months since I have wrote to them, the last letter was sent on XXXX XXXX.
Product: Money transfer, virtual currency, or money service

You remember I filed a complaint here regarding of my PayPal being closed on XXXX XXXX with no reason and its being stated to there email to me that my funds will be hold for 180 days and now its been 180 days. It's already XX/XX/2022 and still I can't receive any respond from them regarding my money being frozen for 180 days. How was it now? where's my money? Was it being stolen or gone? Pls help me enlighten my mind regarding this. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, I was in check out self serve line at Sam ' s Club when clerk there approached me asking if I wanted to update my card. Informed her I had recently renewed membership and obtained special benefits. But she assured me it was different and no credit check, just accepting additional benefits at no charge. Again I warned her no credit check, right? I had her input information and she said someone would contact me. Today, XX/XX/2021 when opening mail from late Saturday. It is denial letter from Sam 's for credit product!
Product: Credit card or prepaid card

I have an issue with the Discover Secured Credit Card. I applied and was approved for a Secured Credit Card. After several e- mails from them I sent in my {$200.00} security deposit. I received the card within 3 days and received a e- mail stating they could not " verify " my social security number. the company forwarded me a document to verify this through SS which I completed and returned to them via - email as they requested. During this time, they froze the card would not allow me to activate the card until they completed their process. Discover received my funds on XX/XX/2022. 
Discover decided that my paperwork was not adequate and sent an - email stating they closed my account ( never opened ) and I would receive my funds. Today is XXXX XXXX and after several telephone calls with extreme waiting times ( 30 min plus ) I have not received my {$200.00} deposit. the money was drafted out of my bank on XXXX XXXX. 
I have called several times to be told it would be 10 business days, well now it's been a month I have no access to credit and no deposit. 
My question is what happens on my credit report ( an account that was never opened and closed ) and where the XXXX is my deposit? Why has it taken this much time and why was the funds returned as they were received via bank ACH?
Product: Credit card

When I called Synchrony Bank about my Amazon XXXX Secured Card they told me that they closed my account due to two returned payments in the last 12 months : XX/XX/XXXX and XX/XX/XXXX. I asked if it could be reinstated but I was simply told no and that you can always reapply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed a {$41000.00} charge of from XXXX XXXX XXXX XXXX. I immediately disputed this account with each Credit Bureaus and XXXX. Each Credit Bureau responded with the account being verified as accurate, but the actual creditor NEVER responded to my validation request. I am familiar with XXXX due to being approved for a Car Loan through Dealership XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. They advised me the loan would be furnished by XXXX XXXX XXXX and that the documents would come in the mail for me to sign and return. The documents came, I signed the loan documents and a check that was made out to both me and the Car Dealership. I signed the check as well, and mailed both check and documents back to XXXX XXXX XXXX XXXX. I spoke to someone at the Dealership in which name I did not document ( due to I NEVER thought I would be experiencing this issue ) and they advised me that the check was received by the Dealership, and my car would be delivered within 72 hours after maintanence and detailing. Long story short, I NEVER received a car, No car was EVER delivered to me, and I never took possession of ANY car!! I was in the process of refinancing my home so I ran my credit report, and to my surprise there was a {$41000.00} Collection/Chargeoff reporting on my credit report. I Never received any kind of payment notification, past due notice, or any notification of this account even opened. I live in the same address for over 10 years so there was no way XXXX was unable to reach me at the same address they sent the documents for signature. They are also reporting a payment on that I made in XX/XX/ which is definitely Inaccurate because I NEVER MADE A PAYMENT TO THIS ACCOUNT! 
Back to the Credit Bureaus, how are they verifying this account as accurate? Did they even investigate? I sent a second letter to each bureau advising them that the collector did not respond to my validation request, and demanded the removal of this account from my credit report. I attached a copy of the certified receipt as proof that the request was sent to the XXXX, XXXX XXXX and XXXX XXXX XXXX. They again, advised that the account was verified as accurate although XXXX responded with they dont own the account but it is still reporting on my credit report ( I sent proof of this as well ) XXXX XXXX XXXX NEVER RESPONDED TO MY VALIDATION REQUEST. Per the FCRA that is grounds for removal automatically ( Proof was submitted of this to the bureaus as well )
Product: Debt collection

A debt collector from HF Holdings called me about a debt from a company called 60day credit repair.

When I asked to validate the debt by sending me the original contract, credit info, itemized billing, and proof of ownership that they are authorized to collect this debt, they refused and told me to call 60day credit and deal with them. They have called me and threatened to garnish my wages if I didn't pay them, yet they are refusing to provide information. 

Company : HF Holdings Link : https : //hfholdingsinc.comXXXX Operator that I spoke with : XXXX
Product: Credit reporting or other personal consumer reports

These following inquiries are fraudulent : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX XXXXXXXX XXXX  took money from my XXXX XXXX XXXX credit card account. I informed XXXX that I did not authorize this transfer of money! They did any way So I closed he account in June over 7 Years ago! 
The account is still on my cred report! of XXXX.
Product: Money transfer, virtual currency, or money service

Coinbase has closed my account with nearly {$50000.00} sitting in my balance, when I attempt to withdraw the funds it tells me " Account is locked contact support '' but when I contact support they tell me that I can indeed withdraw my funds but I can not at all. 

I'm in a constant loop this company has been taking me in a circle. Support will tell me they see nothing wrong and I should withdraw my remaining balance with no issue. On the other hand when I try it tells me the same error every single day. " Account is locked contact support '' meanwhile support continues to repeat the same thing leading me to getting no type of assistance on this matter. 

Did research online and I seen multiple people with this exact issue not being resolved for months or even years. Other people are taken on the same loop / circle that I am currently dealing with. 

Currently have my life savings sitting inside the account and they refuse to give me any actual help.
Product: Credit card or prepaid card

I was issued a refund in early XXXX that cleared the merchants bank account. The refund was visible in my account for a few days as 'pending ' but then disappeared and the refund was never credited to my account. I have reached out to the support team numerous times and not received any real response or help in getting this issue resolved. I have screenshots of the 'pending ' transaction in my account, and a copy of the receipt from the merchant.
Product: Debt collection

I opened up a Home Depot credit line when I bought a new washer/dryer in XXXX 2015. I asked then that it would be linked to my husband account ( married 25yrs ). After that and installing an air condition unit at our home & put on our Home Depot card. I sent Home Depot {$250.00} over the minimum payment for XXXX 2015 total of {$400.00}. I started receiving numerous phone calls from CitiFinancial telling us to call right away, regarding our Home Depot card. So I called, only to hear that our accounts had not been linked and that I was late paying the XXXX that I had opened and thought was linked. So now not only do we have XXXX separate bills to pay monthly but double the statements etc. I told a supervisor at CitiFinancial ( XXXX, rude ) that this was all news to me since I had not received a current statement in my name. He told me that he was going to remove the late fees but that it was impossible to link our XXXX accounts. I told him that I want to receive a updated statement every month as to how much and where to send my payment since they would not now link the accounts. The next day I took it upon myself to find out what my account number was for Home Depot and made another {$400.00} payment on top of the already {$400.00} dollar payment on my husbands account for XXXX. Since then I have received over XXXX phone calls from CitiFinancial ( XXXX ) harassing me via my own land line and via my answering machine. They call every couple of hours beginning at XXXX. My credit is in the XXXX 's to XXXX range. I never pay late bills and so I am not familiar with how much and how often these companies can call and harass people. But this seems to me that this is excessive for a {$20.00} late fee assessment. There should be some laws in place to protect the consumer. In this case it was because of the false promise of linking our accounts and lack of a statement from CitiFinancial plus repeated phone calls that will cause me never to do business with this company again. The Home Depot should also be careful who they allow to finance their credit cards. Someone needs to investigate this company and their practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ADDED A FRAUD STUDENT LOAN ACCOUNT ON MY CREDIT REPORT AND SHALL DELETE BY LAW. 
ACCOUNT NUMBER : XXXX WAS OPENED BY FRAUD AND THE CREDITOR AGREED TO DELETE. 

THIS FRAUDULENT ACCOUNT WITH A BALANCE OF {$2000.00} WAS NEVER DUE AND I NEVER WENT TO SCHOOL OR TOOK A LOAN. 

DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.
Product: Credit card

XXXX times now, I have requested that Discover Card not contact my former home number or my former employer number when trying to reach me regarding my account. I have been told that my account has reflected my " no call '' request but Discover Card is still trying to reach me at these numbers. This has become a harassment issue and violates my rights per the Federal Trade Commission. They are contacting these numbers multiple times per day even though it is clearly stated on my account that I issued a " no call '' request. I have spoken with several customer service members at Discover Card regarding this, all of whom have told me that they can see my approved " no call '' request noted on my account and that they should not be calling. Yet, they still are calling several times every single day.
Product: Debt collection

I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. 
I disputed this matter to this company onXX/XX/XXXX, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : XXXX XXXX XXXX XXXX Amount : {$750.00} -- - opened :XX/XX/XXXX ;
Product: Student loan

My federal student load provider MOHELA has not allowed me to make a payment for over XXXX months. For the first couple of months, any payments I made ( auto debit and manual payments ) were not processed and returned. MOHELA placed me on administrative forbearance and forgave the interest that occurred between XXXX through XXXX. In XXXX, payments on my account restarted but the same problem persisted. My auto debit payments were initially processed and then returned and the same with my manual payments. I contacted my bank and they informed me it does not appear that MOHELA tried to debit the monthly payment. As a result, my account is now past due XXXX months with interest accumulating and I can not make a payment. 

On XX/XX/2024, I received another letter from MOHELA stating that another forbearance had been placed on my account, however, my account still shows as active and is now XXXX months past due. 

I have no idea what I should and can do as MOHELA is not processing any payments that I make.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with with my signature on it ) that you have on file for account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my Equifax Credit Report immediately. 

XXXX. XXXX XXXX XXXX XXXX. XXXX - XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Student loan

I called Navient on XX/XX/2007 to ask if I can allocate my payment of {$800.00} a month to aggressively pay my two higher interest loans of 15 % and 11 %. They said I could and that I was able to do it on the site. I also asked if they could work with me on lowering my interest with these loans since I 've been making on-time payments for over a year. They said they could not negotiate. I explained that I am working XXXX jobs 7 days a week to try and afford my payments of {$800.00} and wish the payment would concentrate more on the higher interest loans. The monthly interest alone on these XXXX loans add up to {$400.00}. I financially planned to pay off compounding interest only on my other XXXX loans and to allocate the rest of the {$800.00} dollars to the other XXXX. Which is what I did online. It was simple. However, after the period closed, my loans were past due. I called Navient again on XX/XX/XXXX to clear this up. The representative named XXXX was very unhelpful. I told her that the previous representative misled me and if I would 've known that this would happen I would n't of done it. After an hour of unsucessfully talking to her ( of which I asked several times to speak with someone else ) she said that they would reallocate my payment to bring my account current. Then she surprised me by saying that I would still be {$40.00} delinquent which baffled me. I told her I payed {$800.00} which is what my bill said online. Where is this {$40.00} coming from. She could not explain. I told her that why would they say on the site what my payment should be if it 's not what it truly is? She could not explain this. Again I told her they are misleading and malicious. They are not willing to work with me. I have a full time career and a weekend job just to live and pay these ridiculous bills with interest so high I am buried in capitalized interest. After the phone call over a week ago I am getting phone calls informing me that I am delinquent. I 'm not even sure if they re allocated my payment to make it current because it has not shown on my account and I am getting voicemails while I 'm at work. The representative could not help me. It 's a dead end. It does n't help that she did not speak good XXXX and continued to contradict herself and misinform me. Navient has not made an effort to help me with my loans despite my good standing and pro-activity.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. 
I would like those items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
The accounts are : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In accordance with the fair credit reporting act public law 91-506, Title VI. Section 611, please provide the name and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my report after your investigation