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

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I got an email saying that if I made an XXXX purchase, the sender would refund my purchase. I made the purchase, and the sender said that I had to purchase a gift card before I could get refunded. On XX/XX/XXXX I sent {$150.00} through XXXX to an email account the sender provided for a {$300.00} gift card. On XX/XX/XXXX the sender said they ran out of {$300.00} gift cards so I had to buy a {$500.00} gift card, so I sent another {$100.00} through XXXX. Then the sender said this second payment was sent to the wrong email ( I clicked his XXXX profile to send money the second time, I guess his profile was linked to a different primary email ). Then XXXX blocked me from sending money to this contact, so the sender sent me a different email account. On XX/XX/XXXX I sent another {$100.00} through XXXX to this new account. Then the sender said I had to purchase a {$1500.00} gift card. I didn't send any more money, and the sender refused to give me a gift card or refund me money I'd already sent. I reported the three transactions as fraudulent ( couldn't find a way to report scam ) through XXXX 's resolution center on XX/XX/XXXX. On the morning of XX/XX/XXXX the sender threatened to hack my XXXX account if I didn't close the case. On the night of XX/XX/XXXX, I got a response from XXXX that my case was closed and no money would be refunded. The money transferred through XXXX came from my Wells Fargo checking account. I tried to dispute the 3 transactions through Wells Fargo, but there was no option to dispute them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am requesting the removal of this bankruptcy & judgment ( below ) on my XXXX credit report due to Civil Case No. 3:15-CV-00443-MHL, James Jenkins , Et Al., v. XXXX Information Service , LLC, I did not know the source of their information on those judgments & bankruptcies, due to this, Experian has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy & judgment ASAP. 

Bankruptcy Chapter XXXX Ref. # XXXX Date filed XXXX Since this is a request and not a dispute, I would like to receive confirmation that this bankruptcy & judgment listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adju 01 XXXX  XXXX  XXXX  XXXX  XXXX  showing my collectoin after agreeing to remove it after payment... 

it keeps reappearing has been settled...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an alert from XXXX, Experian and XXXX that ( XXXX ) XXXX credit card accounts was open. I called all XXXX bureaus. I explained to them that Ive never had an XXXX XXXX card. I also explain to them that there was no inquiries indicating that anyone applied for a line of credit. I filed a police report, FTC report and has dispute letters. I am a victim of identity theft. this has really hurt my ability to purchase a home. I have done everything that is asked of me
Product: Mortgage

In 2007 XXXX XXXX XXXX offered me a {$150000.00} loan in my house I did not accept this offer nor did I sign it.
Product: Debt collection

ILLEGALLY REPORTED ACCORDING TO THE FAIR CREDIT REPORTING ACT SECTION 605B. IT IS ILLEGAL TO REPORT FALSE INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION. PLEASE REMOVE THIS FROM MY CREDIT REPORT.
Product: Prepaid card

I receive court ordered benefits on my way2Go MasterCard through the state of Arizona. They have issued duplicate card to someone else as well as given them my children, my unemployment, social security benefits, my back pay and recently my housing making me homeless. This is identity theft and fraud and no one is doing anything about it. Please help!!! They wont even update my contact information so I can access my account online or through the app. They are using my old address XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX. I am also dealing with mail theft so I put a hold on my mail for that address today, just in case. Please stop this extremely illegal irrational behavior of Department of economic security, department of child safety and social security administration. My children and I need help. I'm being intimidated threatened hate crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a alleged bankruptcy on my credit report. I have disputed it numerous times and all 3 credit reporting agencies keep telling me it was verified through a 3rd party company. I have reached out to the companies they claim they verified it through and the companies has denied claims. I also sent the denials to all 3 credit reporting agencies and they then claimed that it was verified through the courts. I went to the courts to see if this was factual and the courts informed me in writing that they do not verify anything to anyone. I then sent the letter to the credit reporting agencies and all 3 sent decisions back saying verified but will not tell me who it was verified through, how it was verified and the name of the person who verified it. It is my rights to know those things and if they can not tell me who it was verified through, how it was verified, and the name of the person who verified it with proof of verification, all 3 reporting agencies is to remove the alleged bankruptcy right away.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX  business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

My name is XXXX. and I am an XXXX american ( XXXX ) male entrepreneur that self started a limited liability company in XXXX New York in XX/XX/2015. After starting the business I opened a business line of credit through the XXXX. branch at First Niagra bank which was recently sold to Key bank. The business line of credit was established for {$20000.00}. I was excited and pleased with this even though my request was for {$50000.00}. As a result, I referred one of my friends who happens to be a non-black. He has about the same credit score and income as me. I know that economically we are almost identical because I helped him to improve and understand his credit. We work at the same job and I showed him how to establish an LLC. He was approved for {$50000.00} as a start up and showed no income whatsoever. On XX/XX/XXXX I met with the branch manager to request an increase on my line of credit. My credit score was XXXX Fico. I had established about {$15000.00} in annual business revenue, {$65000.00} in personal income and my wife makes between $ XXXX annually. I was told that the decision is primarily based on credit score and that the decision would take no longer than two business days. I had not received a response by the following wednesday so I called in for a status update around noon. I was told that the branch manager would follow up with me the same day it did not happen. The following day I called in again and was told the same thing. I even sent an email. By Friday I had not heard anything so I called in just before the bank closed. I was put on hold for an absurd amount of time, almost XXXX hour before being told that I was denied because of my income. I felt like I was treated poorly from a customer service standpoint. I was put on the back burner when I have been a customer of the bank for over a year. In addition to being treated poorly, I also felt that something else was going on. I have an XXXX, I am no fool. How could my non-black friend receive $ XXXX with no business income and the same credentials as me. I feel as though I am the victim of lending discrimination. That is the only reason that I can come up with. We are virtually identical on paper. The only difference is the XXXX of our skin.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX : Synchrony Bank and myself came to an agreement for me to pay {$1700.00} due on XX/XX/XXXX as a debt settlement. I submitted the amount of {$1700.00} on XX/XX/XXXX at WalMart in XXXX, Massachusetts. I obtained a bank check through my credit union. The women working at WalMart was having trouble entering the payment and had to call her manager for help. After waiting a long time, the manager stated that it was all set. On XX/XX/XXXX, I received a letter from Synchrony Bank stating that the above amount was not paid on XX/XX/XXXX and therefore they were going to report me as bad debt to the credit reporting agencies. I immediately called my bank whom issued me the check. The bank XXXX stated that Synchrony Bank tried to charged them twice for the amount of {$1700.00} and my bank cancelled one of the checks, and the other check was cashed by Synchrony Bank for  the amount of {$1700.00}. I called Synchrony Bank and they stated that I did not pay them, and my balance was {$5000.00}. I sent them the documentation, and they finally sent me a letter stating that my account was settled. Then on XX/XX/XXXX I received a court order to appear in court. The document stated that the last payment I made to Synchrony Bank was on {$1700.00} on XX/XX/XXXX ( which was the agreed settlement amount and date ) and that I owed {$5000.00}. I called the collection agency right away which was called Law Offices XXXX XXXX XXXX, XXXX and I spoke to XXXX XXXX, rep. She had me send the documentation over to her. After she reviewed it, she told me I was all set and I did not need to go to court. She also stated that her client, Synchrony Bank made an error and everything is all set. 
It has been almost 4 years, and Synchrony Bank is still showing on my credit report through all the agencies as closed but with a balance of {$5000.00} and as bad debt. I tried to call them and all the representative stated that my balance is XXXX and they do not know why the credit agencies have this balance shown. I also disputed it with Experian which stated that the account is closed, but the balance still shows. Recently on XX/XX/XXXX my credit score went down 100 points due to the card. 
I tried to refinance my mortgage so I can pay a lower monthly payment and pay it off sooner. I spoke to XXXX XXXX and they stated that they can not give me a loan due to my credit score which is now XXXX. They stated it is because of Synchrony Bank showing that I have balance of {$5000.00} and it says charged off as bad debt. I explained to the story, and they stated that until that says balance XXXX or is taking off my credit report I can not get a loan. I also spoke to my bank who still can not believe that I am still dealing with this. 
I have spent hours of the telephone, sent letters, faxed papers. I really do not know what to do next. I am praying you can help me.
Product: Student loan

As a XXXX school student in XXXX, I took out a private student loan with my step-mother as a co-signer. I graduated with honors from XXXX ( XXXX, which closed its doors in XXXX ) in XXXX and worked as a XXXX for the next six years. In XXXX, I decided to pursue a degree in XXXX. I graduated XXXX from XXXX University, XXXX with a XXXX in XXXX in the XX/XX/XXXX with aspirations to work as an XXXX. Since graduating, employment has eluded me, and I worry that given the current government takeover by the Republican party few job openings within public service will be available. 

The years surrounding my attendance at XXXX were a brief period of reconciliation between my father and I. My father appeared to be supportive and offered to help me attend XXXX school, which it is important to note was contrasted by years of XXXX. At the time, I believed we could get past our history and XXXX. Although I have cut off communication with him, we seem to be eternally, financially linked because of this private student loan. 

Before returning to school in XXXX, I was able to pay off nearly half of the balance of the Signature student loan, but XXXX XXXX was never willing to assist me in removing the co-signer, my step-mother, from the loan agreement. In school deferment enabled me to return to school, but ran out in the middle of my senior year, XXXX XXXX. The last year has eaten up the last of my available forbearance, and I am now being threatened with default. Bear in mind that throughout the history of this loan whenever a payment was misallocated or late, or forbearance/deferment was applied to the wrong loan, XXXX XXXX, now Navient, called my estranged father and step-mother ; they do n't call me, they call my XXXX father, and then he calls me. It is crucial that you grasp the XXXX this poses to me. 

Finding myself in this current financial crisis is only exacerbated by the looming risk of regular, XXXX from my father. In a state of XXXX, I have spent the last few months trying to find any assistance or relief from this loan, however, Navient can offer me no path under my current financial situation ; I, essentially, do not qualify for any program offered by Navient that would go towards lowering payments, removing my co-signer, or delaying payments until my financial position improves. 

Nonetheless, I find myself encouraged by the recent lawsuit filed against Navient by the Consumer Financial Protection Bureau ( CFPB ) given that I believe many of the complaints in the lawsuit apply to my circumstance, but fear that the appointment of XXXX XXXX and the election of President XXXX may thwart those efforts and put my new federal loans in jeopardy of being on a similar tract. I see nothing in the way of a stable, financial future for myself if any or all of my student debt is sold to a private, third party not required to work with me on repayment, and I am relying on you and other like-minded politicians within the Federal Government to come up with an answer.
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 Experian, XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed some items that Experian has listed on my consumer report on XX/XX/2020. I received correspondence from Experian on XX/XX/2020, stating " the information was verified. 

On XX/XX/2020, I sent another letter to Experian again disputing the items and requesting their method of ( verification ) Validation of the disputed items. In the letter, I enclosed a copy of my social security card and Georgia Drivers License. I also sent the letter certified ( see supporting documents ) On XX/XX/2020, after receiving correspondence from Experian once again stating " verified '' but no explanation or documentation of the method used to verify ( validation ) the disputed items, I sent another letter to Experian clarifying that the method used to verify ( validate ) the items were what I was requesting. Again, I sent the letter certified ( See supporting Documentation ). 

On XX/XX/2020, I went and had a sworn affidavit drawn up stating the facts up until that point and had it notarized, and sent another letter to Experian demanding deletion of the unverified ( unvalidated ) items. Again, sent the letter certified. ( See supporting documentation ). 

On XX/XX/2020, I received an email from Experian stating " results of the investigation complete ''. I checked the results of the investigation and once again it stated verified or updated but no information or documentation on how the items were verified ( validated ). ( See supporting documentation ) At this point, I am reaching out to the Consumer Financial Protection Bureau because I feel Experian is willfully violating the rights afforded to me under the Fair Credit Reporting Act.
Product: Debt collection

I Have Medicare in that paid for any bill that was owed. They need to remove these medical bills from my credit report As Soon As Possible.
Product: Credit reporting or other personal consumer reports

I've been trying to get this deleted for a long time now and all the credit reporting agencies do is verify it by XXXX  they don't actually contact the court
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I requested that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX be removed from my credit report. By unlawfully applying interest charges that were not authorized, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, a debt collection agency, used ambiguous, misleading and abusive means to collect a debt. XXXX XXXX XXXXXXXX XXXX XXXX, a debt collection agency Failed to name the original creditor as requested, Failure to provide date of original debt, first missed payment that led to the charge-off. When I contacted XXXX XXXX  XXXX XXXX XXXX, I was informed that the changes in debt amount was due to interest and fees. When I requested information on the original creditor from XXXX XXXX  XXXX XXXX XXXX, the only referred to the company as " client, never releasing specific information so I could validate and research the account. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX XXXX  XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out lawsuit that XXXX XXXX  XXXX XXXX XXXX, loss due to these unlawful practices the Credit Reporting Agencies allowed XXXX XXXX  XXXX XXXX XXXX, to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. Below is just some of the information that causes me further harm. 
XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1400.00} XXXX AND XXXX Reported : XXXX XXXX, XXXX {$1400.00} XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$1300.00} XXXX AND XXXX Reported : XXXX. XXXX, XXXX {$1300.00} XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1200.00} XXXX XXXX  XXXX is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e Falsely representing that they were entitled to charge an amount they were not entitled to in violation of 1692e ( 2 ) ; Threatening to charge a fee in which they were not legally entitled to charge in violation of 1692e ( 5 ) ; Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt.

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX  is removed from all Credit Reporting Agencies immediately
Product: Consumer Loan

Had a business credit card with Bank of America and my business went under. Having trouble paying minimum and was being harassed by bank. Finally a BoA collection person convinced me to allow them to withdraw {$100.00} per month from my account each month. Trying to get a statement for over six months now and can not get anyone to help me. Twice I have been told they will Mail a statement, to no avail. I now owe over {$2000.00} more than I did when they started withdrawing and I want to pay it off but can not get anyone to tell me how to do that and what payoff amount is. Who do I contact? BofA tells me it she no longer in their system. The number they gave me - they do n't help me. What can I do?
Product: Money transfer, virtual currency, or money service

I was trying to buy a digital good from a XXXX  user. aAnd bought the good off of PayPal and he scammed me for XXXX XXXX which is about XXXX USD.
Product: Credit card or prepaid card

This credit card company decreased by credit limit and then hit me with a finance charge ( $ 400+ ) for a purchase sometime ago. For a credit card I rarely used, now my balance is over the limit and I will continue getting charged due to the face that they decreased my limit at the same time they hit me with the finance charge.I have never had any late payments or issues. 

I'm not complaining about the finance charge, I'm upset that they lowered my limit and then hit me with the charge so they could collect even more. How is that allowed?