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

Before I had incorrect information reported to the credit bureau from XXXX student loans my credit score was around 660. I still have the same accounts that I had before the incorrect information was reported. The incorrect information dropped my credit score down to XXXX. I submitted a dispute on XX/XX/2018with TransUnion credit union in regards to the incorrect information from XXXX student loans and my result came back on XX/XX/2018 showing that most Of the information was corrected except for one month which I also did a dispute for. I asked them why my credit score didnt change once my corrected information was resulted and I was told that because of my credit cards usage which was the same before the mistake was made. I was also told that my credit score would not change because its adjusted by a system. I informed the man that my credit cards and all of my account usage is the same before the mistake was reported on my credit and I asked why wouldnt my credit score be corrected, but I didnt get any help with this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of RECEIVABLES PERFORMANC ( Original Creditor : XXXX XXXX ) - XXXX ( Collection ) account that's being reported on my most recent credit report. Upon challenging this, XX/XX/XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX for {>= $1,000,000} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX XXXX SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Product: Checking or savings account

I never received my refund check from the recent lawsuit that was filed against Lexington law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to retrieve my credit report from Equifax for 5 months now. They have blocked my online access to my credit report and score for even after I have verified my information for them. I had to pay another credit reporting business due to not being able to get it through Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law The accounts are listed below that need attention : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}
Product: Debt collection

XX/XX/XXXX sent dispute letter to verify to XXXX about the collections are incorrect due to the previous 3rd party had to remove collections because the medical bills were paid out of a settlement case from car accident liability case. XX/XX/XXXX sent 2nd dispute letter to XXXX   once again asking for verification and removal of medical collections.  Also sent by fax XX/XX/XXXX to XXXX XXXX XXXX XXXX ( 3rd party collections ) to verify and remove collections due to it was a liability case and was settled in XXXX. Also sent by certified mail to both the XXXX XXXX and Street address for XXXX XXXX XXXX ( 3rd party collections ).  Called on XX/XX/XXXX to have XXXX XXXX XXXX XXXX removed and they were rude stating it was my debt no matter how many times it would be sold and then they hung up on me. My credit was in great standings and in the 700 's ( for almost 2 years ) now its negative and in low 600 's.  The following are the amounts stated on my credit file : XXXX {$470.00} XXXX {$46.00} XXXX {$320.00} XXXX {$55.00} XXXX {$220.00} XXXX {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am mainly filing this complaint on XXXX, XXXX. XXXX, XXXX  has failed to follow the law according to FCRA requirements. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. XXXX  XXXX XXXX has failed to send the original signed consumer contract. If I have failed to get proper documentation how can XXXX, XXXX  say these accounts are verified and meet FCRA requirements. XXXX  has continually failed to comply with Section 609 ( a ) ( 1 ) ( A and has stopped me from attaining new credit with the erroneous accounts on my report. I have attached all corresponding mail from XXXX XXXX XXXX.
Product: Checking or savings account

This morning at XXXX I was contacted from phone number XXXX. My XXXX caller ID said it is Bank of America. The woman on the line only identified herself as being from the BofA fraud department. She asked if I had opened an online checking account with them in the last few days. I told them no, and that I have never had a checking account with BofA, but my wife has. I asked them how they know it was my info that was entered, and could they tell me the SS # that was entered for the account. They said they were not allowed to give out that info. I complained that they called me saying they had my info and that it had been compromised, and so I have a right to know what info they have on me to verify if it is accurate. They then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I contacted CFPB to report that I had been unable to access my Equifax credit report through Equifax 's website for over 2 months. Each time I tried to access my report I received a message that stated, " We are temporarily unable to complete this request. Please try again later. '' I called Equifax twice to report the issue -- each time I was told that the issue had been 'escalated ' ; however, there was no confirmatory email, nor was there any communication from Equifax via the U.S. mail. I am still unable to access my report. 

On XX/XX/2023, CFPB received a response from Equifax stating that before Equifax could assist me with my Equifax credit file, Equifax needed to verify my identity and address. Equifax stated that they mailed a letter to me describing the documentation needed to verify my identity. As of XX/XX/2023, I have still not received this letter.
Product: Debt collection

This loan was made in good faith, however I became ill and required surgery. I could not pay full amount of payments and was told that if I made " good faith '' payments then they would keep it off my credit report. The original amount was {$5000.00} ( XX/XX/XXXX ) and I have made good faith payments and they are showing my balance {$4600.00} ( XX/XX/XXXX ) and they reported this debt as a bad debt charge off to the credit agencies. I have filed dispute with all agencies. I did call, and the company re-signed a contract with me and I am making payments of {$520.00} a month. I have made payments but they still are showing this debt as a bad debt on my credit reports. They threatened to report this and no matter what I did to resolve the problem my credit is now tanked. My score today is XXXX. The company will not take this off of my credit reports.
Product: Debt collection

I received a letter from ARS in XXXX about a medical bill of {$290.00}. I responded to them within the 30 period asking for Validation of this alleged debt I have no knowledge of and they sent a letter stating they validated it with the original owner but according to the FDCPA they have to validate the debt to me if I requested it within the 30 days of the letter. I sent another letter responding to the second letter and they still failed to comply with my first letter asking for name and address of original owner also a breakdown of procedures they claim I had done and if they legally were assigned or owned the debt and there license to collect in my state. I just received another letter today stating the same thing from the second letter that they validated it with the original owner! Thats not good enough!
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I am writing about my student loan, which is serviced by Navient. I began repayment of the loan in XXXX when I was XXXX at XXXX XXXXXXXX XXXX, and I have been on an Income Based Repayment plan ever since. Since I spent XXXX years XXXX for the XXXX XXXX XXXX in the XXXX of XXXX, there were periods when my income was so low that my payments were {$0.00}. For the past XXXX years I have been employed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a decent job that has enabled me to make payments of around $ XXXX. Each year I file for renewal of my XXXX, the servicer goofs up, then I write to CFPB, and the payment is revised to be around $ XXXX. 

This year is the same. When I filed for XXXX and the servicer doubled my payments. I can not afford the higher amount and this will force me into default. I see the Department of Education has finally addressed FFEL loans like mine, but only for those in default. It is my hope that the Department of Education will do better than this. No one who holds a FFEL wanted to have this type of loan, and like me no one knew they were getting one. It was the discretion of the Department of Education to put loans like mine that were refinanced through them into either a FFEL or a DL. I would be halfway to PSLF if I had a DL, and I certainly thought I had one until recently. At age XXXX it is not realistic for me to start over on PSLF with a new DL, and I shouldnt have to. The Department of Education needs to make all FFEL loans work the same as all DL loans since it was their decision that burdens all FFEL holders. 

This year has been difficult for everyone. I started a new business XXXX XXXX XXXX in XX/XX/XXXX, but by the time I had obtained all the licenses and insurance the covid pandemic prevented me from commencing. I still have the rent, insurance, licenses, and other costs. I hope to begin classes this year but who knows when? 

I need to have my IBR payments remain around {$500.00} until my income goes up significantly. 

Thank you XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, Thank you for the quick response. Can you please send me an official letter of deletion so I can send to the credit bureaus and my home loans lender. I am in the process of purchasing a home and this account is ruining my credit worthiness. The lender needs official letter or proof on a company letterhead stating this account will be deleted permanently from XXXX XXXX credit profile. Can you please send me the letter ASAP? 



Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was shopping to refinance my mortgage. I applied to one company and was unaware that the company sent my information to other companies. Each company pulled my credit report and in turn, I have 13 hard inquiries on my Transunion report and 10 on my XXXX. I have repeatedly sent certified letters, disputed online and made phone calls concerning this and nothing has been done. I am in the process of opening a business and this situation is causing denials for credit to fund my business. 

Earlier in XXXX, I was shopping as well for a refinance. On XX/XX/XXXX and XXXX, XXXX, these are showing as two separate inquiries as well and the two years have passed to fall off. They still remain on my reports.
Product: Credit card or prepaid card

Hello on XX/XX/XXXX I applied for a credit card with a 0 % balance transfer. Never on the website was i told there was a delay in receiving my card. i did not receive my card until XX/XX/23. During this time Penfed Credit Union would not send out my balance transfer requests as they will not until i physically receive the card and activate it. Since XX/XX/23 I have received XXXX credit cards with the same exact card # meaning they were activated when they mailed # 2 and # 3. As of today they have the companies i requested a balance transfer to have not recieved the payments. Online it shows i owe PenFed Credit Union money as well as everytime I call them I receive different responses from their customer svc dept. " The checks have been cashed. They were put in the mail on XXXX XXXX. They have not been cashed. I have to redo everything as its more than 30 days and they do not see my requests. '' Everytime i call its different. My credit score has dropped over 40 points since I applied for this card as the balance transfer request has not been completed. I have contacted XXXX XXXX and they assist in investigating issues like this with companies as well as an attorney. Its been over 2 months and none of my cc 's have received the payment of the balance transfer request but PenFed claims they sent it. They do not have tracking numbers or copies of the checks that they claim they sent to the companies on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to a late payment on my credit report. It has been well over 30days and I have not received any investigation reports. This creditor has reported a late payment to my report and I am asking that the late payment be deleted immediately.
Product: Debt collection

" Medical debt remarks will be wiped away from millions of credit reports beginning this summer ( XXXX ). Here are the details of the new changes effective XX/XX/XXXX : Starting in the first half of XXXX, XXXX, XXXX and TransUnion will no longer include medical debt in collections under {$500.00} on credit reports. '' I have reached out to XXXX, XXXX and Transunion to get the following medical debts under {$500.00} removed from XXXX XXXX removed from my credit report and they are : {$310.00}, {$370.00}, {$310.00}, {$66.00}, {$240.00}, {$130.00}... XXXX XXXX XXXX XXXX XXXX bills, all posted XX/XX/XXXX during the pandemic when we were having financial hardship.
Product: Credit card or prepaid card

I have made several payments to the target red card in the month of XX/XX/XXXX {$60.00} payments and 1 {$30.00} payment. I have been calling since because I got confused and chose the wrong bank and 1 {$60.00} payment did not go through and 1 {$30.00} payment did not go through. Due to those payments not going through they charged me 2 {$29.00} return fee. At this point I will pay those fee because it was my error on my part, but the balance was {$210.00} since XXXX before the return payments and it does not change. I have also made another {$40.00} payment in the month of XXXX but the balance does not change. I have been calling target customer service to resolve the issue and all they do is keep transferring me to different departments and place me on hold for a long time to only hang the phone up. Today I spoke to someone that said the reason why my balance is not changing is because I had to pay the full balance every month and since I didnt my balance is correct but the {$200.00} that I have paid have not been deducted from the balance and it still shows I owe {$210.00}. Target customer service have not done anything for me at all. I have spent 40 minutes to an hour on every call I have made and I have called about 7 times in the last 2 months. They also tell me when I call they see no notes being recorded so they make it seem like I have not call at all. Please help me all I want to do is pay for the balance that is actually due and get it over with. I also would like to mention that out of frustration I closed the target red card 1 month ago.
Product: Money transfer, virtual currency, or money service

I have contacted this company 5 times in XXXX and XXXX and asked specifically to talk to a customer service rep to reset my password. They have made it impossible to access my account. I used two-step authentication and had a old phone number that I no longer have. The new number is not recognized by the Customer Service phone robot and it hangs up 100 % of the time. Coinbase understand that I do not have my old phone number and do not have my old XXXX Authenticator and they understand that my new phone number and new XXXX Authenticator do not work and will not ever work unless Coinbase takes some action. They send me the same old instructions over and over to use XXXX Authenticator and reset password. This fails now and will always fail since they're directed to numbers that no longer exist. They have refused to address my needs. They have refused to get me a rep to talk to. I want my money back from them and I want to close my account.
Product: Checking or savings account

On XX/XX/XXXX there was a fraud charge for {$5.00} from " XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, a mobile app for the XXXX area of XXXX XXXXXXXX XXXX for commuter transportation on my Chase business checking account. I called Chase and claimed it fraud, I live in New Jersey and do not have the App. Chase Bank claims it was from a " XXXX XXXX '' a " XXXX XXXX '' app, and there were other charges. However, I never use digital wallets, there are no charges on my account from a " XXXX XXXXXXXX '' or from " XXXX XXXX ''. My business account in not linked to a digital wallet. Chase investigation team claims there were digital wallet charges but can not produce the evidence : it is not in my statements. As of this date, XX/XX/XXXX, Chase can not and refuses to produce the evidence, claims it was not fraud, and took back the {$5.00}. Chase is allowing fraud through digital wallet scams to steal money. It is Bank XXXX.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX and as i was securing XXXX  to lay here to rest, i was alerted to accounts being on my credit report that didn't belong to me, XXXX XXXX XXXX, XXXX  XXXX, these accounts are severely impacting my credit me for helping laying my mom to rest
Product: Credit reporting 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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that aren't reporting correctly. 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 an 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. 1681 s-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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case I want the CFPB to publish this description on consumerfinance.gov so that others can learn from me.
Product: Debt collection

Procollect credit agency, keeps fraudulently adding a account that has been previously erased by a credit agency I hired to remove items off. The balance is XXXX, it's for XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX violated 15 U.S. Code Section 1692 the Fair Debt Collection Practices Act, they are not a creditor they are a debt collector. 
XXXX XXXX, XXXX a complaint was submitted with Consumer Financial Protective Bureau Case number : XXXX for that violation ; They also violated 18 U.S. Code Chapter 63 - MAIL FRAUD AND OTHER FRAUD ; 18 U.S. Code 1341 - Frauds and swindles ; Received a XXXX for Principal Dwelling Note Account Number XXXX postmarked XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$350.00}.
Product: Debt collection

I sent the Convergent Outsourcing a certified letter asking for proof of verification and all I received was a bill
Product: Checking or savings account

Opened a new account with Huntington Bank {$250.00} promotion, 90 days later met all the criteria to activate the promotion and now they say they have no record of it.
Product: Credit reporting or other personal consumer reports

A third party consumer agency called LexisNexis is intentionally showing a XXXX XXXX on my XXXX record that should not be shown. I was involved in a not at XXXX XXXX in XXXX. This incident should have been removed from my record as of XXXX of XXXX In the state of XXXX a not at fault incident is removed or does not show on the drivers record after XXXX years. 
I am in the process of shopping for new auto insurance coverage and this incident shows up and causes my rate to increase. Also, since it is still showing up, my renewal of my current policy was higher. 
If LexisNexis wants to be in the XXXX XXXX business, they should be required to follow state guidelines when it comes to a person 's driving record. Auto insurance is very expensive and we the consumers deserve every break we have earned.