23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have tried many times to get assistance or have some of my debt forgiven as I have had financial hardship. At one point they told me I qualified but it only changed my payment by {$0.00}. Yes XXXX cent! With that I have had to defer my loans for years causing the interest to now almost double what I owe. How is one supposed to get the balance ( loan ) paid down when you ca n't even afford the " payment arrangements '' they qualify you for?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX  XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries.
Product: Checking or savings account

I am suppose to receive direct deposit into my account of my choice I chose XXXX XXXX XXXX right now as we speak someone put a hold on my funds just before my deposit was suppose to be delivered then someone switched my direct deposit to citizen 's bank after social security completed a trace I then went to citizens for more information I was told by this associate that it had just popped up and I had a negative balance of XXXX she called collections told me that they were going to take the XXXX and mail me a check. today is the fourth and I don't see the funds in my XXXX XXXX XXXX account. 
Also I received an approval letter from rent rebate for XXXX that I was suppose to receive on the XX/XX/XXXX and it also, have not been loaded onto the card.
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus XXXX and XXXX. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call XXXX and XXXX they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, XXXX, XXXX, and Experian. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.
Product: Consumer Loan

in XXXX of 2010 we purchased a car. in sc you have 45 days before payment is due. however they started in XXXX for XXXX payment even though we put down payment taxes title etc, at the time of purchase we were unaware of any problems and with my spouse having XXXX English from another country there was a time 1 yr later we had gone through a hardship and needed to break payments up. we were told to do so online and put wrong account # down by XXXX number. that " wrong '' account was active and excepted the payments all in full. it took us 2 months to be caught up. while out of town the car was repo. we came home 5 days after car had already been soled in atl ry. our bank tried to let them know with payment history that the funds were accepted on there end and confirmation was sent back to us. however they used the XXXX payment for reason to pick up car. the car was a 745 bmw 4 yrs old and. in perfect condition we owed XXXX left after a XXXX loan. and sold for XXXX at action in atl, within 5 days. our credit is terrible due to wells fargo stating we still owe XXXX with fees and interest. help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received notices from the credit bureaus. I disputed an account and sent my letters out on XX/XX/XXXX. It is now XX/XX/XXXX and I have received NOTHING as of today. It's nearly been 2 months and I do not know what is happening at the bureaus but they are not doing their job. I am including my original letters with this dispute.
Product: Credit card or prepaid card

I have a 2.5-year-old fraud complain against a store card from Macy 's. I had an existing card account with them. While I was on a 3-year assignment overseas, somebody had a card issued on my existing account in their name, much how you would add a spouse to your account. They then charged {$900.00} in goods using this new card and then did not pay the balance. At the same time, I had a fraudulent credit account created with a different bank and under my name with a credit card issued to the exact same individual as the Macy 's card. This credit account was discharged as fraud very quickly. 

I suspect that the cause of the fraud was a mail forwarding service in XXXX Texas that I was using to receive my home mail while I was overseas. This would put them in the position to respond to any credit card offers and to receive my billing statements from existing accounts. 

I opened a fraud case with Macy 's but according to them it was denied because in their investigations system they labeled it as " account was created fraudulently '' which is different from " card was issued fraudulently under an existing account ''. In the meantime, they sold the debt to Citi IRU as a collection agency. Right now I have 2 organizations that deny that the problem is on their end and they blame the other company for keeping the ticket open. Meanwhile, I have faxed fraud statements, my overseas assignment letter, etc to show that I have not lived in Texas nor was I even in the United States during the time that the new card was issued under my account. However, I have to send documents to both organizations since they each believe that they are the sole account " owner '' and do not share investigation details with each other. They have also claimed that email and faxes have not arrived. 

In fact, they don't even share information with me as far as why a card was issued on my account or past billing statements so that I can verify if the purchases were made by myself or not. I have had to reconstruct the fraud incident using bits of information gleaned from conversations with the fraud investigations teams over the course of these years. 

2.5 years later, this is the only negative mark on my credit history. At {$900.00}, I could easily pay this account off. However, in doing so I would be acknowledging that the debt is legitimate and that The case file at both Macys and Citi is XXXX The person who created the card on my account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has dropped XXXX points. Because XXXX XXXX inaccurately reported to the credit bureau that I was delinquent. When I reached out to them, they refunded the late fees. However, they did not update my credit report. Therefore, I still have two late payments. This is preventing me from being able to purchase a home.
Product: Prepaid card

On XXXX, Direct Express debited {$300.00} without informing me. They did not contact me they withdrew they money without me knowing. Service Request number XXXX was a request for them to correct the error they made. I request all documentation used with service request number XXXX, that service request caused the reverse of {$300.00} on XXXX. If {$300.00}, is not returned to my account I will proceed with a civil claim in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act : XXXX account number XXXX has violated my rights, XXXX account number XXXX has violated my rights, XXXX XXXX account number XXXX has violated my rights, XXXX XXXX  account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX  account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX account number XXXX has violated my right, XXXX XXXX  account number XXXX has violated my right, 15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Sec. 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

They said they would do an investigation but then they still reported the items. I asked how they investigate and they said " we call the collector and verify your name and DOB '', I then asked if they asked for proof like signatures, identification or anything else and they said " no ''. How is that an investigation??? Of course whoever they call will give them my name, social, DOB because that's what they need to report it!!! 

These items are so-called medical, which I think I would remember getting medical attention. Obviously it's not mine and XXXX is refusing to investigate properly and make sure the information they are providing to people is accurate. Clearly this is in violation of my rights. 

And clearly these are creditors that are preying on people trying to get them to pay and hold their credit ransom. When I call them they refuse to show proof too. I will reporting them separately. 

They refuse to investigate because these people are paying for their services. 

Here are the 3 accounts in dispute : Acct # XXXX Collection Agency : XXXX XXXX XXXX XXXX Group Original Creditor : XXXX XXXX XXXX XXXX XXXX Amount : {$2300.00} Acct # XXXX Collection Agency : XXXX XXXX XXXXXXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$860.00} Acct # XXXX Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Amount : {$1800.00}
Product: Debt collection

XX/XX/19 TO WHOM IT MAY CONCERN : RE : XXXX XXXX XXXX, XXXX XXXX XXXX, Phone : XXXX/ XXXX XXXX, XXXX XXXX XXXX , XXXX , PA . Phone : XXXX I am writing this letter to seek help in a matter involving XXXX XXXX XXXX. I received a letter in the mail around XX/XX/XXXX, stating that I owed {$70.00} for services rendered through XXXX XXXX in XXXX, Pa. 
I should not have received this notice nor bill because I have co-insurance which pays all my out-patient co-pay. I had used XXXX XXXX XXXX several times in the past and not received a bill. This time someone must have made a mistake in not billing the co-insurance under my secondary insurance. 
In contacting XXXX XXXX XXXX, I told them that and the representative was not compassionate to real facts. The bill was originally {$30.00}, with the collection fees it remains to be {$70.00}. 
I then requested to speak to a supervisor concerning the matter, I was then, transferred to a supervisor name Ms./Mrs. XXXX, she was least concerned with the facts and so very unprofessional. Though I had explained the situation to her. She made no sense in being a professional, so I told her I would handle the matter and call and talk to patient first. 
I spoke to a rep at patient first and she told me that they did not have my co-insurance at that time of the billing. I ask why not it was on record all the other times that I used their services for emergency care. She then, asked for my co-insurance and told me that she would decrease the bill. Since then Ive called Ms./Mrs. XXXX leaving several messages on her voice mail and she would call one time and one time only and if I am at work, she I tried to call her on my break she would not answer. 
I rather not deal with XXXX XXXX XXXX because of the unprofessionalism on their part. So, I am writing to get help. XXXX XXXX XXXX are threatening to put this {$70.00} bill on my credit file. 
Truly, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . # XXXX XXXX, Pa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD DAY SIR / MA, I HAVE IN THE PAST MADE CREDIT CARD ENQUIRES WITH THIS CREDIT CARDS COMPANY BUT I NOTICED THAT EACH YEAR THEY WENT AHEAD AND CHECK AND MONITOR MY CREDIT, WITHOUT MY AUTHORIZATION. 
THIS ADDS UP ON MY CREDIT REPORT AS IT MAKES IT LOOK LIKE I MADE THE NEW REQUEST FOR THE CREDIT CARDS. ALSO I HAVE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST, I THINK THE PERSON WITH MY INFORMATION STILL TRY TO GET CREDIT CARDS ON MY INFORMATION AS I RECIEVE SOME DECLINE MAIL WHILE I NEVER APPLIED FOR ANY CREDIT CARD THIS ALSO SHOWS UP ON MY HARD ENQUIRY CREDIT REPORT. 
I WANT THE BANKS THAT HAVE MY SSN THAT MONITOR AND CHECK MY CREDIT WITHOUT MY CONSENT TO STOP DOING SO, ALSO SOME CAR DEALERSHIP, AND CLEAR UP MY HARD ENQUIRY, AS ITS AFFECTING ME NEGATIVELY. I NEVER GAVE THEM ACCESS TO MONITOR AND CHECK MY CREDIT YEARLY, BUT I SEE THEY DO SO YEARLY, AND SOME NEW ENQUIRIES I NEVER ACTUALLY AUTHORIZED. 

ATTACHED ARE THE PICTURE OF COMPANIES REQUESTING AND MONITORING MY CREDIT SCORES YEARLY.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Lack of Response from Credit Bureaus and Lenders Dear CFPB Representative, I am writing to formally submit a complaint regarding the lack of response from the three major credit bureaus ( Experian, Equifax, and TransUnion ) and my lenders after I submitted disputes and requests for updates to my credit report. 

On XX/XX/year>, I mailed letters to all three credit bureaus and relevant lenders, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting that they update my credit report to reflect accurate information regarding a debt forgiveness agreement and transfer of ownership. Despite allowing sufficient time for a response, I have not received any acknowledgment or updates from any of the parties. 

The details of my request included : A Debt Forgiveness Agreement from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, which confirms that my auto loan debt of {$53000.00} has been forgiven. 
A Certificate of Ownership and Transfer Agreement, also dated XX/XX/year>, confirming the transfer of ownership of the debt from XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to have my credit report accurately reflect my financial history. Since the credit bureaus and lenders have failed to respond within the required time frame, I am requesting CFPBs intervention to ensure compliance.

I have attached copies of the relevant agreements and my original correspondence with the credit bureaus and lenders for your review. I kindly request that the CFPB take appropriate action to enforce the necessary corrections to my credit report. 

Please provide an update on the status of my complaint as soon as possible. I appreciate your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX [ Attachments : Debt Forgiveness Agreement, Certificate of Ownership and Transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to this company to remove unverified accounts that are on my credit report in violation of 15 U.S.C. 1681. They have not done so. The Fair Credit Reporting Act requires every agency that reports credit events ( including TransUnion, NOT JUST THE ORIGINAL CREDITOR ) to keep in their OWN files VERIFIABLE PROOF of everything they report. BY LAW, this proof should come from TRANSUNION, as well as the original creditor. This burden lies of proof lies with them and they ignored it themselves and passed it off to the original creditor. TRANSUNION did NOT send me, from their own files, documents used to verify these accounts. Nor did they send me the name/contact information of the person in their company who " verified '' the information. Them stating that they have reached out to the original creditors for information about the account tells all of us, they have not maintained verifiable information in their own ( TransUnion 's ) personal files. They HAVE NOT produced the copy of the ORIGINAL CREDITORS DOCUMENTATION with my SIGNATURE that should be in their records AT ALL TIMES. I AM DEMANDING THAT TRANSUNION DELETE THESE UNVERIFIED ACCOUNTS IMMEDIATELY : -XXXX XXXX- Acct # XXXX XXXX  Acct # XXXX ... XXXX -XXXX Acct # XXXX ... XXXX -XXXX Acct # XXXX ... XXXX XXXX  Acct # XXXX ... XXXX I will gladly hire a lawyer as the law is not being upheld, and I will also go to Social Media Outlets to express my dissatisfaction.
Product: Credit card

For the past few months in 2024 Ive been disputing this debt on my credit report. Lvnvd fund ( the creditor ) has been harassing me and reporting false information on my profile. I sent a certified letter to them and another company that had said they work for them. And still they keep harassing me and refusing to send me a validation request that I sent to them about a month ago still no response with the information i requested
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent.
Product: Vehicle loan or lease

Lease acct XXXX Hyundai. This is a colossal nightmare. My lease is 3 months old, and for 3 months this has been a disaster. They originally took out 2 payments instead of 1. I finally got that figured out, the website and recordings are all completely incorrect and Hyundai told me not to pay attention to them. It got to the escalation department and I was told last month not to worry that everything had been corrected and that they would keep an eye on it. Today I got an email that my XXXX payment couldn't be processed as my bank info was incorrect, the same bank info that I gave to the escalation department, and they read back to me. Today I was forced to make a payment over the phone ( my account has been locked for website payments by them ). and had to pay {$47.00} dollars extra in fees and a late charge. I want this fixed and my {$47.00} back..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is reporting on my credit bureau and IS NOT my information. The company refused to correct it. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to SOLD TO ANOTHER LENDER Original Amount - Comments - Payment History XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft resulting from a data breach, and my personal information has been compromised. As a result, several fraudulent accounts and unauthorized inquiries have appeared on my credit report without my consent. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following accounts and inquiries from my credit file. 
Fraudulent Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am interacting with a mortgage lender named FBC Mortgage LLC out of XXXX PA on XX/XX/2019. The lender, XXXX XXXX shared my private financial information including rates, costs, and conversations with a third party .. XXXX XXXX of XXXX XXXX without my approval. I did not authorize this and told him that was not authorized to do so. He blew it off that it wasn't a big deal. 

I consider this a serious breach of my information and am worried about their data privacy practices.
Product: Credit reporting or other personal consumer reports

I have coresponded with Nordstrom and their collection agency for months to update my credit report and they continue to report inaccurate information. The last request was on XX/XX/year> with no response to my phone calls or letters.
Product: Credit reporting

All XXXX credit reporting companies do not allow my accessing my report via the website they set up and i do not know why. Please advise.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, the criminals illegally received {$39000.00} from my Capital One Bank savings account to the criminal 's ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX  account at XXXX XXXX  located in the State of Washington. Capital One Bank asked XXXX XXXX  to send me back {$39000.00} from the criminal, XXXX XXXX and XXXX XXXX. Capital One Bank informed me the Case Number is XXXX. 
On XX/XX/year>, XXXX XXXX  responded to my complaint with the US Consumer Financial Protection Bureau and states that XXXX XXXX  responded to Capital One Bank on XX/XX/year>. I went to the Capital One Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Wednesday, and talked with the bank representative, XXXX XXXX, about the letter that Key Bank responded to the US Consumer Financial Protection Bureau XXXX XX/XX/year>. XXXX XXXX called the Wire Department and talked with XXXX, XXXX of Wire Department at Capital One Bank. However, XXXX said that he did not find the XXXX XXXX XXXX XXXXXX/XX/year> response sent by XXXX XXXX  XXXX Capital One Bank. 
I need Capital One Bank to give me the response about the {$39000.00} scam sent by XXXX XXXX  XXXX Capital One Bank on XX/XX/year>. I also attached to this complaint : the XX/XX/year> letter from XXXX XXXX  and XXXX XXXX  states that XXXX XXXX responded to Capital One Bank on XX/XX/year>. 
I need my {$39000.00} back because I work very hard for my money and I need the money for my retirement.