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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

Around about XX/XX/XXXX I received snail mail from XXXX in Florida stating it was writing regarding a google wallet balance I had in the amount of XXXX. It said the account had become ready to be escheated to my state treasury if I did not take action. I have a photo of this letter I received however my account number is too blurry to make out. It stated no activity on my account since XX/XX/XXXX. I can not recover my account because I do not know which email google account I had back in XXXX when I had my actual google wallet debit prepaid card!! I have tried to recover this account so that google could deposit my funds into a working active bank account. I have contacted my state treasury in XX/XX/XXXX only to find out I have no funds in my name. My question is to google payment corporation on why cant you all escheat my money to my state??? I think by replying to the snail mail that allowed google/XXXX  to keep ahold of my money and not properly turn it over. I am so frustrated its my XXXX and someone at google has to be able to locate it and tell me how to get my money back instead of telling me to attempt to recover my account. Help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally disputed hard inquiries on my consumer report and Equifax responded " Please be advised that inquiries are a factual record of file access. '' Equifax is in direct violation of multiple us codes including 15 usc 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is ( obtained through personal interviews with neighbors, friends, or associates ) of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, ( such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer ) or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
( 15 usc 1681 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 18 us code 1028A ) - ( aggravated identity theft ) Whoever during and in relation to any felony violation enumerated in subsection c knowingly transfers, possesses or uses with out lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Product: Credit card

My complaint is against DISCOVER credit card company, who filed an unjust credit report against me to XXXX. 

I have been a Discover customer since XX/XX/XXXX, owning a Discover credit card. After opening this card, I have registered it online and asked for " paper-less statements and payment notifications '', giving my email address. Every month the statements and payment notifications were sent by Discover to my email. Based on that, every month I paid my statement in full and on time. 
During the year of XX/XX/XXXX I have used the Discover card much less. On XX/XX/XXXX I found out, purely by chance, that I had missed the XXXX payment ( {$48.00} that had been due on XX/XX/XXXX ). I immediately called Discover and made the payment. 
After further clarifications it became clear that my email address had been corrupted in their system, showing a weird domain name, instead of " XXXX ''. As a consequence, I had stopped receiving notifications about statements after XX/XX/XXXX. 
When I found out that Discover reported me to XXXX ( and possibly additional Credit Bureaus ) for " 30 days non-payment delinquency '', I 've called and requested them to cancel the reporting to the credit bureaus, since the delayed payment is a consequence of the glitch in the Discover system, but their representatives refused to remove the report. 

In three subsequent conversations, on XX/XX/XXXX, with several representatives and two supervisors, I asked to be contacted by a manager. No attempt was made by Discover to call me back. 
An additional attempt made by me to talk with a supervisor on XX/XX/XXXX failed, the call was disconnected - and nobody called me back. 
My written dispute to Discover ( via messaging on discover.com ) was addressed by XXXX, " Escalations Manager ''. XXXX inaccurately claimed " we did try to get in contact with you and left a voicemail on the phone ''. No such thing happened, as my phone records can prove. 

As of today, XX/XX/XXXX, I have not heard back with a resolution, and have decided to submit this complaint to CFPB, as I feel that I 've exhausted any possibility of receiving fair treatment from Discover.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, called Dividend Solar Finance, LLC to make agreement on the account ending in XXXX, for XXXX XXXX XXXX, XXXX KY XXXX. Representative stated that if agreed to make one payment and a half to clear off past due balance would not result in charge-off status. I'd made the agreement and paid on that day the amount of {$330.00}. Going forward, would pay {$380.00} ( paid on XX/XX/XXXX and ) biweekly until the past due amount was paid and account would become current to continue regular payments in the amount of {$250.00} ( estimated amount ). The representative stated that the account would not go into " Charge-off '' status due to the payment amounts paid which would reflect XXXX XXXX payments. After receiving an email on XX/XX/XXXX regarding a change on my credit report, I was informed the ( Dividend FIFTH THIRD BANK N.A. DB ) had been closed as of XX/XX/XXXX. This conversation transpired through a recorded line. I feel I was mislead by the representative by being given false information.
Product: Student loan

I had 5 payments remaining on my student loan for PSLF as of XXXX XXXX. My previous employment verification was verified up until XXXX XXXX I submitted my form and on XXXX  the form showed on MOHELA 's website that it was received. 

I sent MOHELA an internal message on XX/XX/XXXX stating that my information wasn't showing updated on the Financial Aid website and was not able to process my PSLF verification to ask for loan forbearance. I asked them to look into why my dates of employment were not updated on the federal website. I spoke to a customer service representative with a trainer on the phone call to ask how long the process was going to take. He stated 90 days from XXXX I asked if I needed to fill out another form and he stated, that they would be able to count the payments internally. 

On XXXX, I received a response from the message center and this is their response " Thank you for contacting MOHELA, Our records indicate that you called and spoken to one of our Customer Service Representatives regarding this inquiry. We will assume the inquiry has been handled. '' I received a denial letter on XXXX  stating that I didn't meet the remaining 5 payments of the student loan for the PSLF. my previous form was updated until XXXX  ( according to their website ). The 115 payments are still showing listed but it appears they processed my form from XX/XX/XXXX without giving me credit for the XXXX XXXX for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. ( 115 payments made + 5 months=120 ) I resumed my student loan payment of {$580.00} on XX/XX/XXXX, and have paid every month to date because of their error in reporting it to the federal student loan system on time. 

I don't know what else to do. I've submitted my PSLF form, MOHELA held onto it since XXXX  and denied it on XXXX stating that I didn't have enough payments to meet the criteria. They didn't process for the months that I needed to have my student loans forgiven and now the process starts again. Fill out a new form and wait almost 120 days, if not more, for them to review the same information. 

They have the data that shows the correct information and I don't understand why this ends up being a burden on the borrower. I would rather pay the federal government directly than with a third-party contractor that doesn't know how to count.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that this issue still persists. The presence of a late open account affects my credit score and raises concerns about the accuracy and integrity of my credit information. I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct it in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance : {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Capital One/WALMART, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, On XX/XX/2020 I tried to receive my free annual credit score from XXXX, XXXX, experion, and XXXX. I was unable to receive it due to not being able to confirm my identity despite using the correct information.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation to my account transactions. Navy Federal Credit Union also allowed fraudulent activities to happen to my account.
Product: Debt collection

On XX/XX/XXXX, I had tingling in my feet and I visited the XXXX XXXX XXXX at FM XXXX, XXXX XXXX XXXX XXXX around XXXX AM. However, it appeared that the doctors started diagnosing in the wrong direction, started collected blood samples and other XXXX  which did not yeild anything. During consulting when I googled, it appeared my symptoms were more related to the XXXXXXXX and when I asked to see the XXXX, they had no one available and they told me that I am going to have a XXXX XXXX. It almost looked like they were trying to put all the test wrongly and did not make any sense and diagnosing for a wrong XXXX. Nevertheless, when I asked to leave as I was not getting the care that I needed nor they had any specialist available. They said I would have to sign a waiver in case something happens to me they would not be responsible. I then finally got out from that place and actually found a XXXX who treated me. That emergency room did not have any XXXX  and continuously trying to make me fool by testing and diagnosing unrelated things. 
I finally got treatment from the XXXX on the same day elsewhere. Had I not walked out of that emergency room, they would have kept me for days just to increase the bill. 

Finally, when I got treatment, I raised a lot of concern with XXXX XXXX, and raised a complaint with texas XXXX XXXX and the XXXX management mentioned that they would not raise any invoice or bill and I would not have to pay. Alas I just happen to find out few years later they just sent the bill for collections, despite promising that it would be taken care by them for wrongly diagnosing me. 

It is so much frustrating for a hospital and care company to wrongly treat a XXXX and then send it for collections through Ability Recovery services. The dates and time stamps all are wrong, moreover, I do not even know how the amount is verified. It is so much frustrating that there is no place who I can complaint to get this taken care. What if they would actually would have infested any XXXX in me and then I would have gotten more sick at that place by staying there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submiting disputes to Experian for over 6 months and i feel than I am being treated " UNFAIR '' which is a direct violation of multiple united states codes. I have submitted numerous documentation and made countless phone calls to seek help with unaccurate information on my consumer report. Numerous disputes have been returned as verified which I the consumer never verified these alleged debts and accounts. I have 15 usc 1682 ( a ) ( 1 ) a ) '' ( Accuracy and fairness ) of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. In addition to that Experian have violated federal united states code by assumed a vital role in assembling and evaluating consumer credit and other information on consumers and was never given written consent as needed as defined in 15 usc 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has re-inserted fraudulent accounts on my credit report that have already been deemed as fraudulent and need to be removed. It is against the law for them to be re-inserted : 1. XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Experian Dispute Center, I have recently discovered that I have been the victim of Identity theft in which such person [ s ] used my credit multiple times over the years. It wasnt very much money at first, thats probably why it was never noticed, but here recently I have been trying to purchase a home which has caused myself to start looking at my credit report more closely. In XX/XX/XXXX- I discovered that the following Accounts have been opened Fraudulently : 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. These are all the accounts from Experian that have cross referenced with the Federal Identity Theft Report!

*NOTICE : Not All of the Accounts that are on the Identity Theft Report are Recorded on My Experian Report, just the Seven ( 7 ) Accounts listed above! ~ Hard Inquiries are NOT a Factor in this case, nor have any Relevance.

***Experian has partially complied already, by deleting some of the fraudulent accounts on a prior complaint, but there's still 7 accounts vandalizing my Credit Report.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result, I request that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were unauthorized and should not be listed on my credit file. 
Accounts : XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$94.00} XXXX. XXXX  XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$470.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$0.00} XXXX. XXXX  XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$150.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$470.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$94.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$530.00} XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$470.00} XXXX. XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$0.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$1100.00} Inquiries : XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX
Product: Vehicle loan or lease

Santander Consumer reopened my loan and put it as 120 days pass due. The information is not listed on the co-filers report. I have not had the car in my possession for over 7 years.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX XXXX XXXX  it shows that XXXX XXXX XXXX XXXX  made an Hard Inquiry on My Credit Reports without Equifax, XXXXXXXX XXXX XXXXXXXX without my consent. I even have a Fraud Alert on all my Credit Bureaus, they still allowed them to pull it even with the notification listed stating that I had fraudulent activity and notified the Company & the Credit Bureaus that it was obtained Fraudulently without my consent and Requested that they Remove the Inquiry the same as Ive had to do regarding 3 other Hard Inquiries, along with accounts opened w/o my consent & they were Removed, but after nearly 2 months Ive still been unable to get the Credit Bureaus to remove the Hard Inquiry or get the Consumer to remove it. I have 5 Credit Cards with this Company which is the Max Allowed & I Never applied or requested my Credit be pulled again, but like the other companies, they pulled a Hard Inquiry dropping my Credit Score & preventing me from obtaining higher credit limit increases that I was about to receive & was denied because of this Hard Inquiry Ive disputed like the previous ones & nothing I do will get it removed & I NEVER REQUESTED FOR THEM TO OBTAIN MY CREDIT REPORT LIKE THEY DID ON ( XX/XX/year> )! Please Help Me Get This Inquiry Removed From My 3 Credit Bureaus, as its preventing me from obtaining credit limit increases on accounts Ive had from XXXX XXXX XXXX  & Ive never been late on any of my Credit Cards I requested & this Inquiry has dropped my Credit Score nearly XXXX XXXX & its destroying my Credit History having this Hard Inquiry that was OBTAINED FRAUDULENTLY & WITHOUT MY CONSENT!!! PLEASE HELP ME DO WHATEVER POSSIBLE TO GET THIS REMOVED FROM MY 3 CREDIT BUREAUS!!! Im begging for your help because even with a Fraud Alert Added, a Notation about the Fraudulent Activity thats occurred, & a request noting not to pull my credit without my consent, all 3 Credit Bureaus allowed the Hard Inquiry XXXX XXXX XXXX XXXX XXXX  pulled this Hard Inquiry on XXXX XXXX XXXXXX/XX/year> as I stated w/o my consent & Done Fraudulently w/o ever obtaining my consent!!! AGAIN, PLEASE HELP ME GET THIS HARD INQUIRY REMOVED DUE TO IT BEING REQUESTED & OBTAINED FOR THE PURPOSE OF OBTAINING A CREDIT CARD FRAUDULENTLY WITHOUT MY CONSENT!!! Thank You So Much For Any & All The Help & Assistance You Can Offer In Getting It Remived From All 3 Of My Credit Bureaus!!! Have A Blessed Day!!!
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I sent formal dispute letter to Equifax regarding XXXX late payments incorrectly reported on my credit file for the account with XXXX XXXX XXXX ( Account Number : XXXX ). These late payments, from XX/XX/XXXX and XX/XX/XXXX, should have been marked as " on time '' due to the protections provided under the CARES Act. 

As a result of financial hardship caused by the XXXX pandemic, I qualified for accommodations under the CARES Act, which requires creditors to report accounts as current if a payment accommodation was granted during the pandemic. I believe these late payment entries were either reported in error or without full consideration of my rights under this law. 

In my letter to Equifax, I requested that these payments be corrected to reflect an on-time status to resolve the matter. I included all relevant details in my dispute, including my account information and my request for an investigation into this matter. 

Despite this, I have not received a satisfactory resolution, and these late payments continue to negatively affect my credit score. I am seeking the CFPB 's assistance to ensure that Equifax comply with their legal obligations under the CARES Act and the Fair Credit Reporting Act ( FCRA ) by correcting these inaccuracies on my credit report.