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

In XXXX of XXXX I was in the XXXX XXXX XXXX my mortgage went delinquent. XXXX contacted me telling me i qualified for a loan modification. XXXX*THEY DID NOT INFORM ME OF COVID RELIEF OPTIONS. ******** I WAS NOT INFORMED THAT I QUALIFIED FOR COVID FOREBEARANCE OR ANY ASSISTANCE PROGRAMS. ******** ANY ATTEMPT TO SPEAK TO EXECUTIVE OFFICES OR PRESIDENTIAL UNITS WITHIN THE ORGANIZATION HAVE BEEN IGNORED. TO DATE I HAVE BEEN CONTACTED VIA PHONE ONE TIME. I WAS TOLD SIMPLY TO FOLLOW UP WITH MY ONLINE COMPLAINTS AS SHE COULD NOT HELP. XXXX is not FCRA compliant as they are violating item II ; A ; 5. " Considering the potential impact of the furnisher 's policies and procedures on consumers. " XXXX is not taking the time to investigate the situation and provide a fair resolution. XXXX to date has not researched my issue- they keep responding with the same generic responses. I was not advised of covid relief options. i was not advised of my qualification for multiple programs although XXXX was aware i was impacted by covidXXXX  XXXX was operating off of a denied modification package from fall XXXX and did not take the time to note the account accurately that i was having a second life event caused by XXXXI have XXXX discharge papers i am willing to provide as well.
Product: Debt collection

Morning, I have never done business with this company, I have never received letters from them. I have files a report with BBB. I have never signed a contract nor have this company ever verified this debt is mines.       Date :    XXXX   XXXX  ,2015  total {$500.00} Date :    XXXX   XXXX   , 2015  total  XXXX
Product: Money transfer, virtual currency, or money service

Contacted on XXXX by scammer on or about XX/XX/2022 ( XXXX XXXX ). Continued to have an ongoing online relationship for months. Scammer requested assistance paying for bills and needed money. Multiple transactions were processed by wire transfer and via XXXX totaling around {$100000.00} USD.
Product: Credit reporting or other personal consumer reports

This company deleted this information from my credit report because they could not validate the account and then reinserted it back. They are trying to make me pay and I do not have a contract with this company. This account needs to be deleted because they are in violation of 15 U.S.Code 1681e, failure to maintain False and Misleading reporting, Violation of 15 U.S Code 1681 ( 5XA ) Deprivation of Rights 18 U.S Code 241. They failed to give me a 5-day notice of reinsertion. 

Account : XXXX XXXX XXXX Account # : XXXX
Product: Credit card or prepaid card

Started a dispute with Capital One in XX/XX/XXXX to XX/XX/XXXX and I Told them I was having financial hardship at the time ... I contacted capital One already with the goodwill letter and they werent willing to change the status of late payments. I received a letter advising me that they were looking into it and I even contacted the CEO of the company and his assistant advised me that it would take 24 to 48 hours to hear something back still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian Numerous times they are reporting inaccurate information on US BKpt Ct Al XXXX. They have verified to me that the information is correct and accurate. Well, when you call the Phone number they have on file is disconnected or no longer in service. I have called Experian numerous of times and also have sent certified letters On XX/XX/2018, demanding proof of information to be corrected. When I also called they say they have never received a certified letter from me in regards to this matter. It is a Credit Bureau Method Verification Letter. You will find attached a copy of this letter attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a late payment for XXXX XXXX acct # XXXX datedXXXX with Experian on XX/XX/2023. The item was not deleted. They are reporting unlawful negative information on my credit report. I also I was not given the option to opt out of such reporting. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPA
A rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Money transfer, virtual currency, or money service

Pnc bank is not letting me link to XXXX
Product: Credit card or prepaid card

Complaint against TD Card Services, phone XXXX. My credit card account showed a balance of {$230.00}, as of XX/XX/2019. Since I pay off all charges as they are posted, I should not have a balance. Today, Wednesday, XX/XX/2019, I checked my on-line credit card statement. It showed a balance of {$240.00}. Interest in the amount of {$2.00} had been charged. 

On Wednesday, XX/XX/XXXX, II contacted TDBank Card Services. The representative with whom spoke to did nothing to help me resolve this balance. I was given the run around. I told the representative to cancel my card because of the poor service. 

I have also, via submitted numerous e-mails, via TDBank Card Services secure e-mail, asking for an explanation to no avail.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX  XXXX Balance : {$780.00} XXXXXXXX XXXX XXXX IN XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX  XXXX {$17000.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX balance : {$4900.00}
Product: Credit reporting or other personal consumer reports

Requested a debt validation letter from all 3 credit bureaus, Equifax, TransUnion and Experian in regards to XXXX. The 3 credit bureaus never sent me a debt validation letter. Their " automated system '' just validated the debt within less than 24 hours of contact.

I was able to get in touch with 2 of the credit bureaus by phone. Transunion and Experian. 

Transunion put the debt into disputes even though I have been disputing the debt for months at this point. ( XXXX ) Transunion also removed all of the phone numbers there were invalid. Transunion also removed the employer. 

However, Experian did not help and argued with me about removing illegal and invalid names. 

XXXX did send me a debt validation letter but did NOT send a contract bearing my signature. The debt is invalid/fraudulent. BUT the credit bureaus and Aidvantage are still reporting this debt as valid. 

The credit bureaus and XXXX want me to keep disputing things even after the 30 day stipulation, in regards to disputes. I have provided them ALL with the lack of proof they either didn't or did provide me. There is no legal and valid contract with XXXX. My legal and valid name XXXX XXXX XXXX XXXX. ONLY Experian will NOT correct it. I have submitted them proof of that via my drivers license and social security card. I have sent all 3 credit bureaus the invalid debt validation letter from XXXX. 

Twice over I have sent proof of everything to the credit bureaus and XXXX and nothing is getting resolved and removed from my credit reports.
Product: Debt collection

The debt owner is XXXX XXXX XXXX XXXX. They have been attempting to collect on debt that was discharged in a Chapter XXXX bankruptcy. I have informed numerous 3rd party collectors of this but XXXX just sends a new collector later. The last one closed their case and said they would inform XXXX after you contacted them Now XXXX is using Resurgent Capital Services in another attempt to collect on a debt they have been informed is no longer owed. 























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Product: Credit reporting, credit repair services, or other personal consumer reports

The following was sent to Equifax and they did not address the issues listed in their response to my request : Dear Sir/Madam : I am writing once again to make you aware of a variety of errors that have impacted my ability to secure credit, in addition to the pain and anguish these errors have had on my emotional well-being. 

As of XX/XX/XXXX, the following errors and omissions from Equifax have had a negative effect on my credit profile : 1. The report shows that I have recently missed a payment or had a derogatory indicator reported. I have had neither. I am requesting proof of this including the reporting furnisher of this derogatory report. 
2. The report shows that I have few accounts that are in good standing. All of my current accounts are in good standing. All of my credit cards are paid in full each month and both my mortgage and auto payments are paid on time and in full. 
3. The report claims I have a short credit history. This is not accurate since my XXXX  XXXX XXXX credit card account ending in XXXX was established in XXXX and most of my credit cards many years in age. 
4. The report claims I have too many credit accounts with balances. This is not accurate as I do not carry credit card balances on any of the credit cards or credit lines - all paid in full monthly. The only balances carried are my mortgage and auto loan balance. 

I am requesting one final time for Equifax to correct this error. If necessary, I look forward to proving the above in small claims court. 

I have enclosed a copy of my license, a utility bill, a copy of the credit report showing the errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I opened a mortgage with XXXX  XXXX, later XXXX XXXX   XXXX  started to service this loan. This amount of this mortgage was XXXX. This mortgage was included in a chapter XXXX that was successfully discharged XX/XX/XXXX. furthermore, this said mortgage amount was paid off due to the property being sold.
Product: Credit card or prepaid card

Hello, On XX/XX/2019, I made two separate in-store payments, from my personal XXXX Checking account, to the merchant Helzberg Diamonds that was to apply to my Helzberg Diamond Capital One issued credit card : Payment 1 ) In the amount of {$150.00} XXXX  # XXXX Trace ID : XXXX as shown on receipt Helzberg Diamonds Provided Payment 2 ) In the amount of {$100.00} XXXX # XXXX Trace ID : XXXX as shown on receipt Helzberg Diamonds Provided Both payments successfully posed to my XXXX checking account. My XXXX XXXX and statements can show verification of this. 

Payment ( 1 ) for {$150.00} XXXX # XXXX successfully posted to my XXXX  Checking account and towards my Helzberg Diamonds Capital One account. 

Payment ( 2 ) for {$100.00} XXXX  # XXXX also successfully posted to my XXXX   Checking account, however DID NOT post to my Helzberg Diamond Capital One account. 

I have tried to resolve this situation by numerous in-store visits, then phone calls and emails to both Helzberg Diamonds Capital One account with no resolution. There response has been, " Sales Audit can't find the transaction. Take it up with your bank ''. 

I have tried to resolve the issue with my XXXX XXXX. XXXX XXXX can not intervene because the charge for {$100.00} to be drafted from my account, the ACH was indeed truthful, however the issue is that Helzberg Diamonds Capital One NEVER posted the payment as they were supposed to towards my credit card account. 

I would like for the Consumer Financial Protection Bureau to get involved, because my bank can not assist me and the merchant Helzberg Diamond Capital One refuses to do anything for me and their customer service skills in the process has been subpar of incompetence. 

My bank if needed can indeed verify that the transaction has posted directly and/or with true and finalized bank statements, and I can also provide the Helzberg Diamond Capital One statements to show that the payment was never properly posted to may account.
Product: Credit reporting or other personal consumer reports

SPRING OAKS CAPITAL LLC., ( ie : XXXX XXXX XXXX XXXX ) is in violation of multiple laws set forth by Congress in regards to the following account # ending in XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( SPRING OAKS CAPITAL LLC. ) shall not furnish any information relating to a consumer ( ME ) if the person knows or has reasonable cause to believe that the information is inaccurate. Therefore, per the FCRA as a federally protected consumer, I am now OPTING OUT of any and all authorization I the consumer may have given you, WRITTEN, UNWRITTEN, VERBAL AND NON-VERBAL per, { 15 USC 6802-6805 } effective immediately & indefinitely. I have enclosed with this complaint screen shots of 15USC 6802-6805 to substantiate my claims. Further, SPRING OAKS CAPITAL LLC. must HEREBY BE PUT ON NOTICE that they are furnishing incorrect inaccurate information. In SPRING OAKS CAPITAL LLC. terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX XXXX XXXX are not affiliates of SPRING OAKS CAPITAL LLC. nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit card and bank opened a credit card under my name and info. It has shown up on all three credit report bureaus. Contacting XXXX XXXX XXXX XXXX XXXX would not help with the fraud. Credit card from XXXX was opened XX/XX/2022. Showed up on credit reports XX/XX/2022.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry Has agreed to remove the inquiry from my Transunion report I did not apply and have no credit with these people. Delete XXXX for my Transunion report my id is attached please verify my id and signature
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXXACCOUNT NUMBERXXXXBALANCE -ACCOUNT OPENED XXXX AS COLLECTION UNPAID.XXXXACCOUNT NUMBERXXXX OPENED XXXX AS CHARGE OFF UNPAIDXXXX XXXXACCOUNT NUMBERXXXXBALANCE $ XXXXACCOUNT OPENED XXXXREPORTED AS COLLECTION UNPAIDXXXX XXXX XXXXACCOUNT NUMBER1XXXXBALANCE $ XXXXACCOUNT OPENED XXXXREPORTED AS CHARGE OFF UNPAID.XXXX XXXXACCOUNT NUMBERXXXXBALANCE $ XXXXACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXXXXXX XXXXXXXX XXXXACCOUNT XXXXBALANCE $ XXXXACCOUNT OPENED XXXXREPORTED AS REPOSSESSEDXXXX XXXXACCOUNT XXXX $ XXXXACCOUNT OPENED XXXXREPORTED AS CHARGE OFF. 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, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tans Union is reporting fraud accounts on my credit report. I previously sent Trans Union letters, for months, disputing these fraud accounts below in my consumer file : XXXX XXXX acct # XXXX {$2500.00}. XXXX XXXXXXXX acct # XXXX {$2200.00}. 
I am a victim of Identity Theft & have already uploaded a FTC report to Trans Union.com Trans Union received my letters and were required to take the appropriate action within 30 days of receipt. This company is NOT legally verifying theses fraud accounts, there is no true proof or wet signature, that these accounts belonged to me, anyone can open an account online using my info! However, Trans Union has willfully failed to delete the disputed information as I requested in my dispute. Trans Union 's action or inaction is an intentional violation of the FCRA. Trans Union is also reporting inaccurate or fraudulent Names, addresses, phone numbers & employers. 
Thank You.
Product: Student loan

Six years ago I contacted XXXX XXXX because I was struggling to make my payments and had fallen behind. I called into XXXX XXXX to discuss options for lowering my payments. I was informed that my only option was to sign up for forbarence and defer my loan for two years. This is not what I wanted to do because I want to actually pay this loan off, but no other option was given to me so I agreed. For two years I made interest only payments. It appeared that if I payed more to my account some principle was applied, however it did not seem to make sense as to why sometimes it was applied and other times it was not. 

Once I had passed through the two years of forbarence regular payments resumed, although now higher than before. I was pretty much in the same place I was two years before only now with a higher monthly payment. I tried to go along and make as many payments as I could but eventually ended up in the same place of falling behind. I called XXXX XXXX again and asked for options. This was around 2014. Forbarence again. Same deal as before. I just came out of that a few months ago. My payment is now, of course, even higher than before. 

Since I work for the XXXX I called and inquired about the loan forgiveness program. I already have 5 years of public service in so I thought this would be something to look into. I was told that this program would not work for me and the payments would be the same. So I continued to pay as long as I could until I was faced with the same situation again. 

I just called Navient a week ago and was put on a new repayment plan that will last for two years. It 's pretty much the same package as before but I am told that additional payments will be applied to the principle. I have yet to make a payment on this new plan yet. 

My largest issue with the past action on my account is the fact that I did not want to go into forbarence. I just wanted to lower my payment and continue to make progress on paying this amount off. All that happened was the can was kicked down the road and no progress was made.
Product: Checking or savings account

On XX/XX/year>, I tried opening both Citi Savings and Checking account online but kept receiving a technical error notice ( attached ).

I called Citi applications same day to get a resolution and then opt-in to complete application over the phone. After a long 40-60 minutes on the phone, this kind Citi personnel complete application over the phone, signed disclosure documents sent via email was and informed I would receive another email to upload documents ( proof of address - utility bill or pay stub, tax ID XXXX XXXX  confirmation document, ID - Government issued passport ). 


Minutes after the call, I received an email to upload documents. Below are documents submitted : -Gas and Electric Bill -XXXXXXXX XXXX XXXX -Government-Issued Passport -Tax ID - Form CP565 Today XX/XX/year>, I received an email to upload documents again. I opened the link only to see option to upload all documents again. I assumed this was a redundant notice and decided to call in for clarification.

Only for Citi customer support to inform me that my utility was accepted, passport was not accepted, XXXX ( I have no idea if that was also rejected ). I asked her to get me a supervisor since she was clearly reading out an ignorant note from who/whomever reviewed my documents. She said there is no supervisor to speak to. I hanged up right away, left the phone call very offended again.

At this point, I have had enough of some American Banks and their discrimination towards my birth country 's government-issued passport ( XXXX ) XXXX and frankly it is getting very exhausting reporting all these banks to the CFPB or legally pursuing these institutions before my accounts are opened.

I don't have an application number rather File Number XXXX