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

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : CREDITOR : XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen, among millions of others, in the recent " leak. ''
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I applied for Dell Business Credit and was denied. I called Dell Business Sales team to find out why and I was told that my business did not have enough credit but I could be a guarantor for the business and apply for the same card ( business dell credit ) with my personal information as personal guarantor to the business. I was approved and I purchased a few computer for my business. The customer service was located in either XXXX or XXXX and I had asked on multiple occasions weather the card was a personal credit card or business and was assured that it was a business credit card with personal guarantor. A month later I received a notification from XXXX that a new account had been added to my credit report. I immediately logged into my XXXX credit report and saw that a personal credit card account by COMENITYCAPITAL/DELL was opened in my name. I called Comenity Capital Bank and asked them to close the account and remove it from my credit bureaus as I never requested a personal credit card from them. They gave me an address to write a letter with the explanation as to what had happened to remove that account from my credit reports. A few weeks later I received the response back from them that contained irrelevant and unrelated information to my request - a generic letter stating the account was closed by my request which I knew from the get go as I closed the account but no relevant information to my request to remove the account from my credit reports. I disputed the account through credit bureaus and they kept reporting it.
Product: Credit card or prepaid card

COMENITY HAD TAKEN OVER THE XXXX CREDIT CARD. NO COMMUNICATION INFORMATION OR ASSISTANCE IS AVAILABLE. THE RECORDED MESSAGE STATES THEIR OFFICES ARE CLOSED. AND THE CREDIT CARD WON'T PROCESS FOR AN AGREED 0 % INTEREST ON A CONTRACT AGREED TO IN PRIOR TO THEM TAKING OVER.
Product: Credit reporting or other personal consumer reports

RESURGENT/LVNV FUNDING Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/year> Status Collection account. {$880.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$880.00} I requested multiple times to be removed from my credit report this account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that Experian made many mistakes with my credit report when I applied for a mortgage. They listed many credit cards that did not belong to me. As a result, it dragged down my credit rating. I wrote a letter to them to correct the mistakes. They sent me another report with many wrong addresses. When I tried to correct the mistakes through their web, they asked me to submit documents to prove that I never lived in one of those places. How do I produce documents to prove that I never lived in one place? I 've spent hours on the phone with different credit card companies to explain that I did n't have the credit cards that showed up on my Experian credit card report. They created so much stress in my life because of their careless attitude toward consumers ' information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Prepaid card

The Vanilla Gift card of {$500.00} was given to me on XX/XX/year>. When I try to use it it got denied at store. When I called the customer reps at vanillagift.com ( XXXX ) and they told there is some processing problem and they cant fix it without purchase receipt. They told they see that it was charged for {$500.00}. Customer reps are not helpful in this case. They told me to go to the store where it was purchased and the XXXX store where this was purchased is closed. I feel helpless and i told i am willing to provide the driving license and other information but they refused to help me. 
Case number/Reference id XXXX
Product: Debt collection

Called this company DIAZ AND ASSOCIATES XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX about a debt that was owed to another company known as XXXX XXXX XXXX. I ask for verification of debt but was getting the run around I told them if they can not verify this debt to please remove this debt from my credit report. But apparently it is still appearing on my credit report
Product: Mortgage

I do not believe my payments are being applied appropriately. We consistently send two payments each month, one for 60 % ( {$780.00} ) of the amount due and one for 40 % ( {$520.00} ) of the amount due. The current balance does not line up with the amortization table, and there are several payments and payment reversals for amounts that don't match our payments ( eg. {$1700.00} ). The servicer says this is because payments are going into a holding account since they are partial, which makes sense for the payments that are less than the full amount. However, I can't see how this would cause them to add payments to the account that are more than the full amount.
Product: Credit card or prepaid card

I returned a jacket and hat I bought on XXXX with a XXXX XXXX return label the merchant provided me and the merchant has not gave me my refund or any resolution and is unresponsive to me. I disputed the charge through the credit card issuer I payed with, discover and they closed the dispute in the merchants favor after the merchant provided them my transaction info and the shipping info for the goods sent to me. I sent all my return documentation to discover and they did not even acknowledge it and are saying I am liable to pay the full amount of the original transaction even though I returned the goods. The total transaction is {$3100.00} I had a designer jacket and a hat I returned. The dispute number with discover is XXXX. XXXX also did not even acknowledge my return at all in the documentation they sent discover. I have contacted the merchant again and they are still unresponsive on any refund at all.
Product: Debt collection

I check my report often to make sure my information is reporting accurately. Last year I was a victim of identity theft and had several accounts removed because someone fraudulently used my personal information. I checked my XXXX report today XX/XX/XXXX and noticed this account listed on my credit report. Based on the information I show on my report, it was opened XX/XX/XXXX and was placed on my credit report this month, XX/XX/XXXX. It is reporting under the company Payliance as a collection for {$60.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or letters in the mail, therefore I have not had a chance to dispute this inaccurate information before being placed on my report. I want this account removed from my credit report immediately!
Product: Payday loan, title loan, or personal loan

I have paid this collection off the full amount with the promise of a pay go delete off of my credit report but its still showing, I want it removed from all three credit bureaus
Product: Credit card or prepaid card

XXXX XXXX is not allowing its users to see their balance in a secure third party app. It is largely inconvenient, but aside from that, users have the right to access this information in any way they see fit. It allows users to get an overall view of their financial situation and without access to this data, makes managing credit almost impossible. Further, it makes users think twice about keeping a credit account with banks who do not allow this access. Please fix this.
Product: Credit reporting or other personal consumer reports

My consumer report was exposed due to data breach and there has been 10 unauthorized increase reported to my credit history and unauthorized consumer reporting
Product: Credit reporting

I have contacted equifax requesting removal of XXXX off my credit due to it has been bought by another lender and the amount isnt correct, also when contacting XXXX i asked for a pay for delete they said they cant since it was bought by another lender yet when i sign into my XXXX account its still showing i can may balance. It should be removed for false details. It still remains on my credit
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecter consumer. As a consumer I am demanding the deletion Of these inquiries listed IMMEDIATELY! 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to any XXXX party company
Product: Checking or savings account

Current Bank Opened account for the family ... .Friend Repays a loan we gave them during covid .... 
They had this bank and said it be the easiest fastest way to pay me Had no problem receiving the money .... 

Getting the money out was a different story ... .Two biz days to receive ... 

Night before the ach transfer ... .I get a email asking me about the money who sent it and it's relationship to me ... 

I answer them they cancel the transfer ... ..and restrict my account ... .. 

No answer back in two days ... ..If issues why not allow the money to be sent to me? Why not ask this all before receiving it? Now I am stuck I can't pay my mortgage ... .I am hostage to them until they send out my money ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX of XXXX Florida and XXXX XXXX XXXX, agreed to a 72 months Auto Loan Agreement on XX/XX/XXXX. However, due to a very challenging divorce that was financially destructive, I missed some payments, and made XXXX aware of my financial situation. During that time I was always in touch with XXXX, keeping them abreast, and paid whatever, and whenever I could. XXXX advised me that they would add the missed payments to the back end of the loan with out penalty. Not very long after, I eventually regained my financially strength and was able to continue making the agreed monthly amount, and sometimes a bit more. On XXXX of XXXX, I noticed that my original maturity date was in XX/XX/XXXX, so I reached out to XXXX and requested an explanation as to why my balance amount was so high, around my maturity date in XX/XX/XXXX. There were no sensible explanation given, and my maturity date and amount kept on changing. The maturity date kept on moving each month from XXXX and finally stopped in XX/XX/XXXX, when XXXX reached out to me, and tried to get me to extend the loan. Due to Covid-19 and lost of job and income, I was unable to pay the large amount of over XXXX XXXX dollars, which was the maturity date amount, and was very curious about why there was such large balance after 7 years of payments on a {$16000.00} agreement. Again I reached out to XXXX for an explanation, but was threatened, and bullied off the phone without any solid explanation. In XX/XX/XXXX I reached out to an accounting firm and they requested the original agreement, which I later acquired a copy from XXXX, after several failed attempts. The accounting firm conduct a review of the agreement and concluded several illegal charges, and further advised me to seek legal council to dispute the alleged over charges. While working with a XXXX XXXX, I then continued making my monthly payments until XXXX of this year XXXX when I paid off over XXXX XXXX dollars, which finally brought the balance to a XXXX balance. However, I noticed a major drop in my credit score, and later realized that XXXX reported my payments late since XXXX of XXXX through to XX/XX/XXXX, and a charge off of over XXXX XXXX Dollar balance was also reported on my credit as well. Lastly, It was also reported on my credit that the loan agreement was an 84 months agreement, when in fact was a 72 months agreement. I know that I missed some payments during my divorce periods, and therefore is not disputing those late or missed payment, but based of the ( FCRA ), XXXX violated my rights in negatively reporting false information on my credit files. Therefore, I am requesting an immediate removal, and an investigation regarding the legitimacy of the additional charges, as well of the term of the agreement. On top of all the errors made by XXXX, I have also attached a copy of correspondence received from XXXX followed by calls related to the attached letter in error.
Product: Credit reporting or other personal consumer reports

Hello. 
I recently filed a complaint XXXX with Experian through the CFPB, alleging that my credit report contains inaccurate false information, on my information and belief, made by Experian to deceive me and organize the imposition and sale of its fee-based services.

However, I learned from Experian 's response dated XX/XX/XXXX that no action was taken to remove the false information from my credit report.

I ask the CFPB to look into this matter and order Experian to immediately remove the false information from my credit report, namely XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I authorize to publish this complaint for community and information for other users with complete removal of my personal information, name, phone, email.

I also authorize the release of this complaint to law enforcement agencies investigating crimes of forgery and fraud.

Thanks.
Product: Money transfer, virtual currency, or money service

I have an account with Trust Wallet and XXXX. I attempted to transfer XXXX from my Trust Wallet to the XXXX account. Trust sent the transaction, XXXX did not accept it and my funds, ~ {$7200.00} are in limbo. I contacted both support desk several times and could not resolve the missing funds with either group. Trust Wallet is owned by XXXX and is a subsidiary, so it did not seem to be a hard ask if I had accounts with the same parent company. 

I have all the transaction screen shots and everything I could preserve. This transfer occurred on XXXX XX/XX/XXXX via my XXXX using both companies apps. Can the CFPB help me retrieve my funds from limbo status between my two accounts?
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXXXXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Student loan

The US Federal Student loan program has restarted loan collection. The program has been postponed on two fronts. 1 ) COVID Pandemic and 2 ) President XXXX XXXX 's effort to seek loan forgiveness through the legal channels. 

The COVID Pandemic has end and the Presidents efforts were not successful.

The US Department of Education outsourced the collect of the loans to a dot com company Mohela. This is where the issue begins. 

XXXX of 2023 is the month for the billing restart, however Mohela has not mailed any billing notices to the loanees. Normal business practice for almost all businesses is to send a bill showing the account information, payment amount and date due. 

Mohela has intentionally avoided normal billing process. They have have not mailed any billing information. This permits Mohela to force loanees into default status. If you are unaware of the bill, due date, and penalty, then there is a very high percentage chance that you will be leveraged into default for non payment. 

Leveraging loanees into default is a strategy used by the dot com Mohela. It is unethical, and not legal. In a word, it is wrong. 

Mohela has been aware, for most of 2023, that the loan collection restart for the month of XXXX. Mohela stands to make perhaps millions by forcing default. Students on a payment plan which goes into default, loses reduced payment status immediately, and transitions to the highest possible payment scenario. A loan repayment with monthly installments at {$250.00} could instantly become a {$1000.00} or more while in default. The remedy to default is very laborious and should be avoided. 

Mohela is manipulating the default by bypassing the standard procedure of sending out monthly bills at the restart of loan collection. No notice was sent by Mohela, who tries diligently to force you to go online to open an account at their dot com web site. Many loanees do not have access to the web or choose not to use their website. This should not prevent Mohela from sending bills in advance of due dates. 

Mohela 's bypassing of the billing process is highly suspect and most likely illegal. 




# In addition to the complaint category selected there are other categories which also apply including : *Trouble with how payments are being handled *Received bad information about your loan ( no information, incorrect, incomplete, or inaccurate information ) *Need information about your loan balance or loan terms
Product: Bank account or service

My account was over drafted and PNC Hit me with XXXX a day overdraft charges. 
I went into my local branch and spoke to a XXXX at XXXX/XXXX/2016. I advised her about my account. She decides to call a special department pertaining to the issue. She picked up her phone and it rang 3 pods over in the same bank. XXXX told me they and the other department could not help me. I called customer service on XXXX/XXXX/2016 at XXXX and spoke with XXXX XXXX , operator, XXXX. I told her my problem and she adjusted my XXXX late fees off my account. I woke up around XXXX XXXX the next day another charge for XXXX was assessed against my account. I called customer service and spoke to XXXX, he was n't able to override the charge nor was n't he willing to get a manger to override it. I deposited a check for XXXX around XXXX in the afternoon. So I called my local branch to see if they can override the XXXX fee. They gave me the run around. I contacted XXXX pertaining with my issues earlier today with my account and obvious retaliation from prior incident of a teller giving me dirty money which should of been sent back to the federal reserve to be destroyed. My call to the bank in XXXX and then called me XXXX both calls were lost. I am sitting here at XXXX and no one from the bank has called me back.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint. This was submitted weeks ago please block and delete all negative item listed in this letter required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX at XXXX I contacted Capital One in regards to a balance if {$470.00} reporting on my XXXX , XXXX , and XXXX credit files, but my balance is {$350.00}. I spoke with a Representative Name : XXXX employee #  XXXX who stated I have to wait 30 days after I put my request in writing. I explained to her this is in accurate balance and its a violation of the FCRA to not update correct information referring to my account information. Also when I opened my Capital one Acct XX/XX/XXXX I was told after 5 months of on time payments I will get a credit increase. that did not happen I didn't get an increase until XX/XX/XXXX. I feel this company fail to be in compliance of what they write in fine print.