23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a letter, then a phone call from Fox Collection Center XXXX. On XXXX, XXXX at XXXX XXXX.This was a bill for {$3600.00} thru XXXX XXXX XXXX XXXX. Upon talking to them it was for a XXXX XXXX that occurred on XX/XX/2020 while working at XXXX XXXX in XXXX Tennessee. I was taken unconscious to XXXX XXXX XXXX in XXXX Tennessee, that bill of {$210000.00} was taken care of when transferred to XXXX XXXX in XX/XX/2020. I have been granted SSDI. Why are they HARRASSING me and telling me to contact XXXX XXXX XXXX, why is this coming up a year later. Why is it being reported to the credit companies they say it is not there problem. HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. 
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). 
I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away 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
Product: Vehicle loan or lease

XXXX You closed this complaint and nothing was fixed as a matter of fact it's worse.

1. Even though I send weekly extra principal payments by check to the stated address with principal payment on it ... it gets posted to interest ... I will call them on it ... they will correct..post right for awhile and then do it again. I have to check every single payment posting and take pictures of them.

2. There was an overpayment on the note side, which has now disappeared. I don't see it posted to principal like the guy said. I've sent an email and left a voicemail for him. If he can tell me the day that extra money was posted, I can pull up my pictures and see if it's true
Product: Debt collection

On XX/XX/2018 I sent Portfolio Recovery Associates, XXXX ( et al ), XXXX XXXX XXXX XXXX, VA XXXX a letter that they cease and desist in contacting me via phone - I sent this via registered mail, and have received the reply from the post office that it has been received. Today at XXXX XXXX on XX/XX/18 they contacted me on my Cell Phone about a dept. They called me from this same number at XXXX XXXX, XX/XX/18 as well. Both of these calls were made by them after they acknowledged receipt of my demand they cease contacting me.
Product: Credit card

FRAUDULENT APPLICATION XXXX XXXX  IN XX/XX/2024 AND XXXX XXXX  XXXX XXXX XXXX XXXX SOMEONE SUBMITTED MY NAME AND ALL OF MY INFORMATION/IDENTITY WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 
DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. 

They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below : XXXX XXXX  -- XXXX XXXX/XXXX  -- XXXX ( {$1000.00}, {$2000.00} ) XXXX XXXX -- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Product: Debt collection

I have called this company about my information was leaked on Equifax and experience database. I told them that I have information that is in inaccurate on my credit report.
Product: Student loan

Received an email from Aidvantage in XXXX of XXXX that the discharge process would take 7 months. It is now XX/XX/XXXX and I still waiting on them to process my loan discharge. I have been advised by the Borrowers defense/Department of education that they have sent Aidvantage instructions to discharge my loans.
Product: Credit card or prepaid card

I lost my wallet along with my card around XX/XX/XXXX and I informed my credit card that I had lost it, apparently the card was used to make multiple purchase of a total of : XXXX and I disputed those transactions as fraud. About a month later I receive a letter that I am responsible for the charges because the transactions are something about in accordance with my frequent purchases which makes absolute no sense because I had not even used that card for almost a year and the last thing I did was pay my balance. I made a purchase online of an XXXX which would not be related to anything that was fraudulently bought! I tried to contact Bank of America again and they did not provide me with any solution, I asked them to escalate and investiga properly because their reason so denying my dispute is not valid and I should not be help responsible for this. It seems as if they don't even do a proper investigation and just say none sense to get away from it. Noone provides a solution to this in Bank of America.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX in XXXX Ny I purchased a 2013 XXXX XXXX XXXX XXXX and the price went for {$12000.00} but during negotiations and at signing the car jumped up to {$15000.00}. I gave XXXX XXXX salesman ) {$2000.00} as debit but on the contract he placed it as " XXXX ''. I was in such desperate need of any kind of car that I signed the contract in distress. I would appreciate if someone would look into this matter to make sure that this practice was legit.
Product: Mortgage

I have submitted a complete short sale file to SLS now multiple times and can not get anyone to work the transaction. The negotiator this file was assigned to dropped the ball multiple time before she left on " leave '' and SLS did n't bother to reassign the transaction to anyone. I have emailed and left a voice message for the CEO trying to escalate my concern with no return correspondence. the first lien was approved and has been closed out twice now because of SLS delays ( they are the XXXX lien holder ). SLS 's phone system does n't allow you to get through to a live body instead it requires you schedule a call back from them. In return they never call you back.
Product: Credit reporting or other personal consumer reports

Bankruptcy is unverified by the US Bankruptcy Court and court trustee of the XXXX XXXX XXXX XXXX XXXX XXXX as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the US Bankruptcy Courts omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation personal information not mine 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 FCRA Violation other loans not mine XXXX XXXX XXXX FCRA Violation other loans payments never late XXXX XXXX XXXX FCRA Violation auto loan not mine XXXX XXXX XXXX XXXX Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had made a credit card purchase through Citibank with my credit card for XXXX XXXX XXXX XXXX XXXX  which was supposed to provide a XXXX XXXX XXXX XXXX XXXX to it's patrons. When it came to be the week of my scheduled appointment In XXXX of XXXX, XXXX said the company was " permanently closed ''. Of course, I called the number on the website, and it said that the number was " no longer in service ''. I sent an email to the merchant once I got their information from a cooperating 3rd party, and also received no response. The day came of my balloon ride and I did not go because again, it said the business was permanently closed. I called my credit card company to dispute the charge since no service was ever provided and the merchant made no attempt to contact me, or give me my money back. The total was {$230.00}. Citibank issued me a temporary credit for the charge and issued an investigation. A month later ( XX/XX/XXXX ), they reversed the credit on my account and said it was " resolved '' and they made contact with the business. I never received any type of email, call, or service from the business after they took my money. I am not paying for fraudulent services. The website still as of today XX/XX/XXXX says the business is " permanently closed ''. The phone number still is disconnected, and I have never received any type of service that I initially paid for. There is no option to leave a bad review, as XXXX says that the option to leave a review for this business " has been disabled ''. The reviews that are left recently indicate the same issues that I am having ... people have said it is a scam, and they never received a refund. Citibank said that I am responsible for this payment to them. This is fraud. I never received anything. Please avoid XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the receipt of my credit report late last year from the XXXX, Experian and XXXX  consumer reporting agencies, I learned of an two separate adverse accounts from XXXX XXXX XXXX  and the U.S. Department of Education. Said accounts reported to all three credit reporting agencies under account numbers XXXX and XXXX - exact same account, reporting as two separate creditors.

I never had two separate student loans. Disputes with the credit reporting agencies were for naught as both XXXX XXXX XXXX and the U.S. Department of Education merely  confirmed the accounts. I complained to the creditors about the duplicate reporting - in writing - and even completed disputes with the credit reporting agencies. They were also ignored with no explanation whatsoever. 


Once again - I never maintained two separate student loan accounts. This companies ignored my concerns despite evidence to the contrary and complaints to the XXXX, Experian and XXXX  consumer credit reporting agencies. My FICO credit scores have been severely impacted as these separate accounts report as collection entries. 

I now file my complaint to the CFPB seeking relief.
Product: Checking or savings account

On XX/XX/2020, I sent {$280.00} using the Cash App app to a person to purchase tickets. Almost immediately after, the user blocked me on multiple platforms and I was unable to contact them. Knowing I had been scammed, I attempted to use the " refund '' option on Cashapp. They have not responded to this. I contacted Cash App, and was effectively told to XXXX off. XXXX  XXXX XXXX has told me to contact Cash App and I am unable to find a resolution to my issue. This person is now {$280.00} richer while I'm struggling to find a resolution to my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB XXXX, I have been trying to resolve this account issue with XXXX, Equifax, XXXX as well as XXXX XXXX XXXX and XXXX XXXX, but to no avail. 

I have a credit card reporting on my credit that has late payments. This was never the case. Each time that I submit a dispute for the bureaus to correct these billing errors. They have not changed the status of the account to good standing. 

The economy is not getting better and interest rates are rising. These late payments that are being reported to my file are holding me back from receiving the best interest rates that are available today. I am depressed and distressed by this negative information being reported. 

This is my last attempt to dispute this before taking legal action towards these bureaus.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$7200.00} XXXX XXXX FIN XXXX Balance Owed : {$5500.00}
Product: Credit reporting or other personal consumer reports

I am listing two inquiries Fraudulent from my Transunion Credit Report. XXXX  XXXX XX/XX/XXXX and XXXX  XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Experian because I have had it with their nonsense. I have submitted 2 complaints about their unlawful reporting of a bankruptcy on my credit report. Twice they have sent responses saying I am not me AFTER I submitted confirmation that I was sending in my own disputes. I can foresee all of their stalling responses. Bankruptcy is NOT public record, it is private because I deem it to be. They will probably respond that they get the info from a 3rd party which would be false because I am opted out of all 3rd party consumer reporting agencies and have been for years. I also have had contact with the US Bankruptcy court and confirmed they DO NOT provide information to ANY reporting agencies because it is PRIVATE. It sounds to me like Experian committed identity theft but using my information to furnish a report without my permission. Before I pursue legally and seek to be compensated for their violations of the FCRA, which will and can be done before the month is over, I am demanding this damaging private information be removed. If not please expect to be served with a formal complaint. If the response is they can still not allegedly verify me, I will also move forward with a complaint. Enough is enough.
Product: Student loan

I have had a private student loan since 2011 and have been a student. I have contacted Navient trying to lower the interest rate, but instead they have steadily increased it to 9.5 %. Even while I have made their minimum payments, my interest will keep increasing. When I pay extra, they add it towards interest so my principal will never go down. I have paid {$4100.00} on a {$6500.00} loan and still have {$5700.00} left to repay. How is this fair lending practice?
Product: Credit reporting or other personal consumer reports

Today, I saw unauthorized inquiries on my credit report, and I dont understand why. I review my credit regularly, and nothing like this has happened until now. Even after refreshing my browser, the discrepancies stayed. This is incredibly frustrating, and I need this issue addressed immediately. Please verify the documents Ive submitted to resolve this once and for all.
Product: Checking or savings account

Although i got what was and is mine it took my mother passing away to gain access to what was mine after months upon months of explaing, arguing and hours and days took up with this place apparently all it took was my mother to die to access it... ..honestly wouldnt even be surprised if stressing over this didnt help the matter but cant say for sure... ..im still angry and distraught over everything that has happend with this place for the hours lost via calls and messages and arguing ... ... the easiest i had it was after my mothers passing i needed to have the money for her cremation upon walking in the bank manager knew who we was after one of the tellers told her my name and account number and they was quick to get a check and cash it almost as if they was happy that they was done dealing with me and my wife ... ... and excuses even came about the situation of someone acting as me and me having proof of it sorry but im still upset... ..no bank should ever do somthing like they did i now daily keep a close eye on my credit information and other accounts in fear this person is still trying to actively act as me but luckily my current bank does take there ( unlike here ) security very very seriously ... ... sorry but im still angry... .any normal person would be
Product: Student loan

I called Navient to let them know that i would pay off loan # XXXX in the amount of {$500.00}. They agreed. Then my credit score went down XXXX points for XXXX and XXXX points for XXXX. 
Turns out that Navient took it upon themselves to spread the money out across all loans tgen raised tge amounts for each one with derogatory remarks on every one. 
After arguing until I XXXX coat hangers, i got them to fix it. Today ( almost 4 weeks later ) i see that they increased a loan from roughly {$1400.00} to over {$5000.00}. That screwed things up again now I've got to deal with these people again to try and fix this AGAIN! If this is what they do when you try to pay off your loans, how the XXXX do they expect to ever get paid.
Product: Credit card or prepaid card

Dept of Economic Security in AZ seized my funds from my B of A Debit Card and then closed my account illegally. These were my legally paid UI Benefits which were deposited onto a debit card in my name. This is a private account. I was not given notice of this forthcoming transaction, nor told anything about it by the agency or credit card company. 
I discovered the information through a posting on XXXX! I had my account ZEORED out after having this account for almost 2 months! Regaining the funds has taken me 10 days of calls, emails, letters, tweets, XXXX posts, complaints, and sleepless anxiety stricken nights. B of A and D. E. S caused undue hardship towards myself and thousands of others. We have been left to fend for ourselves as the phone lines & emails remain a revolving door of prescribed letters and robot answering systems. They must be held accountable and publicly apologize and compensate those of us damaged by their willfully dismissive actions. Dept. of Econ Sec in Arizona needs to fire management!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to add to my complaint about Trans Union report # XXXX. My account with trans Union has been hacked. It is so obvious. Slowly I have changed my report and frozen the information. But trans Union could care less. Just in the month of XXXX I have been locked out of my account 12 times and I have had to change my password 6 times. The reason I have been locked out so many times is that my security questions are not answered properly. Every time I try to get the security question corrected they claim that their computer is not working. I have frozen the account and no longer use it. They do no work to fix my report which includes taking false information. They want me to provide statements rather than ordering them on their own. This company is worthless. They do not care if my credit is bad.I cant get my information and my interaction with my creditors is basically useless. My creditors tell me that I have been hacked. How can I get Trans Union out of my life? I consider trans Union corrupt.