23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I noticed on my XXXX statement that I am being charged. {$220.00} dollars for interest for a charge on XX/XX/year>. I never made any credit card charges in XXXX. I called Citibank and they kept telling me the interest card was for the entire balance. My monthly payments went up from {$110.00} to {$330.00}.
Product: Mortgage

I filed a loan modification request on XXXX, XXXX  and have been given the run around since then with no resolution. Meanwhile during this process I have made no payments and I was behind to begin with so now I am a year in arrears, no resolution, I contact XXXX XXXX the processor and she tells me she notified upper management with no resolution. I am dealing with the loos mitigation department of United Mortgage. The phone number is XXXX ext. XXXX. ( XXXX XXXX 's Extension )
Product: Credit reporting or other personal consumer reports

Equifax is not allowing lenders nor my bank to pull my credit report. This has stopped me from getting a mortgage loan with my banks/lenders because creditors are not able to pull my Equifax credit report.
Product: Credit reporting or other personal consumer reports

Transunion hasnt sent proof of investigation! Also the companies disputed ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX and XXXX ) have committed Identity Theft and these companies do not have a valid contract with XXXX XXXX. Transunion has taken 60 days for this false information to come back verified they have cause emotional damage and reputation harm to me and I will have to seek legal action if this is not taken care of within 15days of this notice! Transunion are not investigating these companies correctly they have been removed from XXXX and XXXX do not being verified! How can trans union verify them and what sour e did they use to verify them! I have the most difficult time with Tranunion and disputing and it been 180 days they take the most time to dispute and never investigate to come back verified!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau has old addresses on my account that I no longer live at they also incorrect information on my credit report.. They still have accounts on my credit report that's been there over 7 years and I've tried to dispute these items several times but it update as though these are new accounts.
Product: Student loan

Due to a XXXX ( " XXXX '' ) in XXXX XXXX applied to have my Student Loan quashed, as I was unable to be fully employed and was on several medications. I was also granted a " XXXX '' registration decal. I notified Nelnet I was diagnosed with XXXX, and a high susceptibility to Stressors ; and a XXXX XXXX. As a result, Nelnet , Inc. " discharged '' my loan, in full. Months later, I began getting almost daily notices fron Nelnet, all unsigned, saying, I was put on stanby status with the loan, and some letters saying it was already re-instated? Some letters said my loan was put on a standby monitoring period, depending on me signing new paperwork, and if I did n't comply, the loan could be re-enacted. I have n't, nor do I plan on signing any " new '' documents which I feel will be used against me to re-enact the discharged loan. When I asked Nelnet for proof in writing on where they were getting their new procedures from, they ignored me. Whenever I requested a " point-of-contact, '' I wasalso, outright ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have a collection account on my credit files from a collection agency the account is as follows : XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX. Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX   ). I have sent them a dispute requesting a VALID CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT and NOT A BILLING STATEMENT. I will attach a screenshot of where this company is licensed to collect and it isn't in the state of ILLINOIS! I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois and A CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT. Your immediate response will be greatly appreciated. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Staff, My name is XXXX XXXX. Genesis FS Card Services , Inc./Destiny Mastercard 's staff 's mistakes and lies have severely damaged my credit scores which is hindering my ability to improve my living situation. 

I made a payment on my credit card with their Phone Support Staff last month in XX/XX/2022. I did this with their staff on the phone going through the entire process going through their staff telling me their terms of service and if I agreed. I did agree. However, even though their staff told me they processed my payment their staff never did. This has resulted in an unjust and fraudulent Late Payment on my Credit Report with all the major Credit Bureaus. 

I called again last week when I discovered there was something wrong. I paid my entire bill and was informed that this fraudulent Late Payment would be removed from my report by Genesis FS Card Services , Inc./Destiny Mastercard 's staff 's staff along with my unjust late fees return. XXXX XXXX has just notified me this employee lied.
Product: Student loan

In XXXX or XXXX I was given the option to settle the loan for XXXX which I started to make payments toward and I thought this debt was fulfilled. During this process the lawyer was very at one point he tried to recant on the settlement.
Product: Payday loan, title loan, or personal loan

I originally signed up for a XXXX XXXX XXXX XXXXXXXX XXXX because I was going through a divorce and needed the money to catch up on some bills. They approved me for {$4000.00} in total. The plan gave me {$1500.00} initially as a loan. The other {$2500.00} goes into a savings account and you get reimbursed the {$2500.00} after you pay the total loan in full. I was making on-time payments to XXXX during the duration my loan was with them. They then sold my loan to SST out of nowhere and I was sent an email by XXXX in XX/XX/XXXX and they said nothing will change about the plan. They were a lot of changes though. I then started receiving emails from SST demanding I pay them for the remaining of my XXXX XXXX XXXXXXXX XXXX I was initially hesitant from the reviews of the company to pay them at first. I ended up making payments to them and my online account with them did not update or show my savings portion of the loan. This seem like a scam so I stopped making payments for a little bit because I was scared that it was a scam as I have read many reviews about SST. However, on XX/XX/XXXX I called SST and made my payment if full. I paid {$2900.00} as requested for my pay off amount to the customer service rep over the phone. The payment was completed. Now, they are supposed to return {$2500.00} to me after I paid it off because that would equal the {$4000.00} total I was supposed to be given. I have yet to receive the {$2500.00} and the customer service reps I spoke to said it's being investigated and someone would call me. I have yet to receive any phone calls and I am out {$2500.00} that is owed to me. In addition, they reported to the credit bureaus that my account was charged off and that I still owe them {$2900.00} which is inaccurate. However, my account is paid in full and I have all the proof, which I sent SST via email. Also, SST is affiliated with XXXX XXXX XXXX, who I made my final payment to per my bank statement.
Product: Credit card

Citibank NA made a hard inquiry on my credit report without my authorization or application for credit. There was no authorization for this inquiry which occurred on XXXX/XXXX/2016. I contacted Citibank via phone and they denied having made such a credit inquiry and was notified that they had no information as to an inquiry being made on my credit account and that no new account has been applied for, nor opened. I disputed the inquiry with the credit reporting agencies, through your organization, and supplied with the outcome that the inquiries were made by Citibank and would remain on the account unless directed by Citibank to remove them. According to the consensus on the internet, there seems to be many individuals experiencing this unauthorized access by Citibank , NA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over 7 rounds of complaints to the bureaus and now to TD bank directly for an account they had reported with late payments. the bureaus claimed this was verified, and I've never heard from TD bank. They have provided no proof that I was ever late and this account is not reported correctly and violates the FCRA in every sense. Each bureau reports a different XXXX. that is not even possible.
Product: Credit reporting or other personal consumer reports

I requested validation of debt 2 times each time it states it was validated with no additional information. I made it aware of identity theft prior way before this incident and the paperwork uploaded was the 3rd incident in 5years my information had been leaked or sold and i advised i was not aware of this account and per request no action completed Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.
Product: Student loan

one day, i get that letter i enclosed and for almost three years treasury along with dept of education and XXXX XXXX all colluted question when ones salary gets a levy on ones salary isnt a judicial signature at minimium a equirement? no these XXXX XXXX just steal my money i write XXXX and no one did XXXX till i found a loop hole and stated theyd stop stealing my money buut almosr three XXXX years, i want my cash back! what the XXXX country is this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have attempted to pull TransUnion report from XXXX. I got a message to XXXX TransUnion. I tried to pull a credit repot in transition personal portal, and the repot is generated blank ( no accounts, no name, nothing ). 
I called TransUnion on XX/XX/2024 the rep told me they can't do anything that I should email XXXX for them to fix the issue. 
on XX/XX/2024 I received this response : " Hello Thank you for contacting TransUnion. We received your request and would like to discuss your issue further. While we would like to assist in this matter, we are unable to process this request at this service center. Please contact us at XXXX and speak to one of our skilled agents who will be able to assist you. Or dont hesitate to chat with one of our skilled agents online via our website where you initiated your request with TransUnion ( www.transunion.com ). If you do not currently have an account with Transunion, you will be able to create an account. 

Thanks XXXX Issues Support Team Transunion.com '' XXXX is advising me to call the same number to speak to the same people that sent me to XXXX 's department. 
I'm getting a run around and still can't access my consumer credit repot. 
Thank you
Product: Money transfer, virtual currency, or money service

I had my account locked because something weird happened when I was moving my crypto from my vault to my wallet and I didn't want to take any chances. So I called the toll free number Coinbase has for potential fraud, it recognized my number and automatically locked my account down. Which is fine. Then I contacted the company to inquire about the anomaly that spooked me and after two weeks, and repeated emails, they never responded. Then I tried to get my account unlocked online. However in the intervening time between contacting Coinbase the first time and my attempt to get my account unlocked, I got a new phone ( kept the same phone number. ) There is a multi-step process to get the account unlocked ( which is good ), but one of the steps requires getting some numbers generated on my phone through the XXXX XXXX app that is linked to Coinbase. Well I downloaded the app onto my new phone but it couldn't link it with Coinbase and was unable to receive the code. So I am unable to unlock my account. The Coinbase web site says there is a way to get things unlocked by bypassing the need to generate a code, but when you click on the link to bypass, it takes you to a page where it asks to generate a code through the Authenticator app! So I'm stuck in a closed loop and can't get my account unlocked. I have contacted Coinbase support ( they no longer take calls, you can only go through their contact page ) to ask for help in getting the account unlocked. I have sent three emails. Each time I have gotten an auto-generated response providing information that doesn't help and a notice that they are very busy and it might take a couple of days to hear back from them. Well it's been several days past that and nothing. In addition, when I did a search online, I found hundreds of other complaints posted by people who are also experiencing problems with Coinbase and are getting no response from tech support. I'm a XXXX citizen with no income and the money that I have invested with Coinbase represents a huge part of my savings. Not being able to get my account unlocked is causing me a great deal of stress and worry. Please help. Thanks!
Product: Debt collection

Bull City Financial falsely reported XXXX medical collections under my name with all XXXX major credit reporting agencies. I am neither the patient nor the guarantor on either account, which has been verified by Bull City and the original creditor. I have filed disputes with the credit reporting agencies, but Bull City is ignoring the disputes. Despite repeated requests, Bull City has refused to delete this reporting from all XXXX agencies. They are knowingly and illegally causing a malicious and adverse effect on my credit score.
Product: Debt collection

On XX/XX/2022 received a threatening letter of damaging my credit and selling of unknown account.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I noticed an incorrect and falsely reported collections account on my credit report with Equifax around XX/XX/2024. I contacted Equifax and they said they just report out what is provided to them by other companies and they were unable to provide further information. I then contacted the collection agency and they had no record of me or any account with my details. I then contacted the vendor who was listed on the collection agency ( this info I found from my credit report ) and they too did not have any details of any delinquent account with my details. 

So, I then contacted an Attorney to help me with the falsely reported information, and from their investigation it seemed that Equifax had made the error, and it was not any vendor that reported it to them. Equifax soon removed the collection from my credit report, but my Attorney also noted that it looks like the collection was originally reported on my credit report much sooner than I noticed it, and it was potentially showing up when I took out an auto loan on XX/XX/2024 Equifax had provided my credit report to the dealership for that auto loan. 

My Attorney and I have been trying to get Equifax to send me a copy of the credit report they sent to the auto loan company, however, we keep getting the run around. Some representatives either hang up the call, others tell us they are unable to provide a historic report, others point us to their website ( which doesn't allow us to see the report in question ), and on another occasion we were told that they can not speak to me with my Attorney on the call. So, my Attorney has mailed out the request, referencing the XXXX, and specifying that we need a copy of the specific report that was provided on XXXX XXXX XXXX XXXX. However, they take 20-30 days to respond, and have on about 3 occasions just sent a copy of the current / as of XXXX XXXX report, not the historic report in question. We get back on the phone with them or mail out another request but keep running into the same issues and it's been a circular run around for several months. Most recently, I spoke with someone at Equifax who provided me an email address of where to send the request to ( XXXX ) and told me someone would respond within 3-5 days. It has been around 30 days since I sent out the original email to them, and they have still not responded. I have sent a follow up email as well, and still had no response. 

We simply need a copy of the report they sent to the auto loan company on XX/XX/2024. It shouldn't be hard to do, but it clearly looks like they have something to hide and that's why they're failing to provide the requested details.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$790.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$5500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$1300.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report from Experian, many erroneous account showed up including multiple inquiries which were unauthorized. XXXX XXXX reporting on Account XXXX  that I owned them for an acct opened on XX/XX/XXXX for the amount of {$980.00}. No original creditor listed however the report stated my last payment was XX/XX/XXXX so was my last activity. Experian told me to send a letter for they could not find said acct over the phone. 

Experian also report an account from XXXX XXXX XXXX XXXX acct XXXX. I want that account to be erase from my report for I have no knowledge of said account. They report it as revolving, closed and late however no percentage of the credit was uses but I have a high balance. They report an acct # XXXX  from XXXX XXXX XXXX with no original debtor for {$480.00}. They also report an acct # XXXX for {$550.00}. Experian did investigate these accounts when I reported them and they still leave them on my credit report. None of the accounts have ORIGINAL debtor Listed.