23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX 's payment portal was not working in XXXX and their customer support number ( XXXX ) listed on the back of the card is also not functioning. I called this number when the payment portal was down to check how I could make the payment but this number was not working at all. And then the card was reported delinquent ( 30days late ) by XXXX which is the underwriting company. How can i make the payment when XXXX 's payment portal and customer support number were not working at all. 

Then deserve opened a new payment portal and the card was paid off since then. The card has {$0.00} balance as of now. 
XXXX, the customer support manager who i spoke to in XXXX asked me to open a dispute with credit bureaus and told me the dispute department will fix delinquency reported issue. I have tried to dispute this with all three credit bureaus but XXXX is not fixing it. They keep sending the same result ( XXXX being late payment ) to all my disputes. 

I have called them several times and sent them several emails since then with no results. 

This has severely affected my credit score and has given me trauma as i was preparing to buy my first house. Please help me get this fixed.
Product: Debt collection

I contacted IQ Data International about my renter 's debt. While I tried to work out a payment plan, they were completely unreasonable with me, treated me like I was ignorant about how the system works, even tried to explain to me what a loan is. When I tried to propose making the payments I am able to make, they said that the amount was too small and that they would not report the payments or provide me with proof of payment. Since then, it was represented to me that a settlement might be acceptable, about one third of the original totally, but another representative informed me that this settlement would not actually clear the debt, simply remove my name from the list. The actual amount required to settle the debt is significantly higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I have no knowledge of this account or whatever it is and contacted this company and it has no info on this account.
Product: Mortgage

In XXXX I got divorced. A quick claim deed was signed as well as in the divorce decree it states that the rights to the property were given solely to me. Since then i have had XXXX loan modifications done with my information only, and each time Citimortgage refuses to remove my exes name from the mortgage. They say they are not allowed to even though there is no law saying they must retain her name. I have sent them a letter requesting the information under which they make this decision but do n't know the outcome of that. The first loan mod was done in XXXX after Citi said no partial payments were accepted in catching up payments that i fell behind in XXXX for hospitalization. I found that to be wrong 7 months after the occurrence. and they never once included in any discussion my exes name or even if she had to sign or participate. after the trial payments and the paperwork was returned and then they said they never received the paperwork or the check, which i had those involved prove to them the info was received on time and by whom. I then get the news that my ex had to sign. Later they without writing increased my amount to more than i could handle at that time. So XXXX XXXX I put the house on the short sale market. after XXXX bids were rejected i find out just in XXXX that a retention had to be done by FHA requirements. Finding out that it was supposed to be done before any short sale according to FHA. so a few weeks ago i submitted the paperwork not expecting anything and now they approved another loan mod. This is the 2nd XXXX i referenced. Again they said no info was required for my ex or any paperwork needed from her. But after talking to citi I would like to stay and i can make the payments and i accept the loan offer, they still will not remove her name and that is the problem. I can not stay in my home if her name is not released. She wants no part of this. This is a brief run down of the occurrences that happened. It is more complicated than that but the name removal is now priority. If her name is not removed from the mortgage the property will be up for short sale again. I see no reason after having been approved for XXXX loan mods now that her name should remain on the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BANK 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, has violated my rights. 

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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

XXXX - online credit card merchant - I charged my military customers card on XXXX {$3900.00} for the purchase of aircraft parts. At XXXX on XXXX I received an email notice that Square needed me to log in to account and answer questions and submit supporting records to validate this as a legitimate charge. I answered all questions, provided them a copy of the signed credit card authorization form, a copy of our invoice to the customer. Upon completion of this process- it confirmed that I would receive an e-mail response with in 2 days. On XXXX, with no response received, I called to get resolution as this is holding up the release of my customers part. I was told it was still in review ... and they could not confirm the exact reason why my the payment was being withheld from being transferred to me. I insisted they send an email placing their response in writing as to what the problem is so I could report it back to my customer ... .as we both assumed it was a problem with my customers card. Squares email response was very vague and made only " suggestions '' as to the possible delay is dispute response. In the meantime, they are sitting on the {$3900.00} with no timeline for transferring the funds. My customer was going to wire the funds due to the delay in payment/shipment of parts- but after discovering Square charged their card and has yet to refund the money... .they are refusing to wire money and consider it paid. This has put me in a very difficult position with my customer- as of XXXX have yet to receive any communication from Square as to a resolution. If they are disputing the charge... why are they not refunding the charge back to my customer? Why are they holding my customers money hostage - while they are questioning the legitimacy of the charge? Why am I am having for painfully extract answers from them ... .and all answers continue to be vague answers?
Product: Credit reporting or other personal consumer reports

Premium Credit Bureau Did a criminal background check on me for a company that I am trying to get a townhouse with. Premium Credit Bureau Put false information on my credit report. Theres a charge thats on my credit report that has been expunged by the state of Florida. Its no longer on my record criminal record. This is the charge that they have on my credit report XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been expunged by the state of Florida. This credit bureau needs to remove that off of my report because that charge is no longer on my XXXX record anymore. This credit bureau put false information on my report. they need to remove it immediately below I have attached proof that the charge they stated I have is no longer on my record. This information is also public access. It can be pulled up on XXXX XXXX XXXX XXXX XXXX. That charge is no longer on my record. They have no choice, but to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Chase by phone about my mortgage payment ( s ) being late due to hurricane Irma in XX/XX/XXXX. I was informed at that time that there was a program that I could participate in that would not penalize me for missing my mortgage payments from XX/XX/XXXX through XX/XX/XXXX. I was told there would not be any late fees or negative impact to my credit as a result of participation in the program. I'm sure there is a recording of this call. I was told that I could apply for a modification to my mortgage, which would include the missed payments. I felt such relief and appreciation. In XX/XX/XXXX I began resuming my mortgage payments and at that time Chase reported my loan 90 days delinquent to credit bureaus! I was mortified considering I was told that this modification would not negatively impact my credit. I believe I was XXXX and now have two or more months of 90 day late payment status on my mortgage I am paying trial payments and feel this account status is not fair to me. If I was aware that this would happen, I would have taken a loan to get the payments in. Chase assured me that everything would be just fine and this would not impact my credit. I was approved for the modification.
Product: Credit reporting or other personal consumer reports

I am disputing multiple inaccurate and fraudulent accounts on my credit report with [ Equifax/Experian ]. These accounts remain on my report despite my previous disputes, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureaus are required to conduct a reasonable investigation within 30 daysof receiving a dispute. However, they failed to investigate properly, making them liable for willful non-complianceunder 15 U.S.C. 1681n.

Additionally, the CFPB is actively suing Equifax, Experian, and XXXX for systemic failures to investigate disputes and for knowingly reporting inaccurate information. This proves their pattern of violating consumer rightsand further justifies the immediate deletion of all negative items. 

According to 15 U.S.C. 1681s-2 ( b ), data furnishers are required to report only accurate information. Since these accounts remain unverified and inaccurate, they must be deleted immediately under federal law.

Furthermore, under 15 U.S.C. 1681c, any negative item older than 7 years must be removed immediately.

I demand the immediate removal of the following accounts from my credit report due to these legal violations :
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, Experian and XXXX credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize
Product: Debt collection

GM FINANCIAL has repeatedly contacted the consumer, regarding Account Number : XXXX, I do not owe this debt, All Debt and Obligations that are assumed to be the Consumers or Natural Person are in fact debts or obligations of the United States Government According to 31 U.S. Code 3123. Payment of obligations and interest on the public debt XXXX : XXXX is the original creditor on account no. XXXX pursuant to 15 U.S. Code 1692a Definitions, such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort.

the Consumer, natural person and original creditor am invoking my specified remedy as the creditor pursuant to 15 U.S. Code 1692c ( c ) ( 2 ). the consumer demand that GM FINANCIAL cease all debt collection activities Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication : If a consumer notifies a debt collector in wri`ting that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated.
Product: Credit card or prepaid card

There were 3 payments of {$790.00} to be made. The first payment was made with my XXXX credit account and has already been credited ( XXXX case no. XXXX XXXX Second payment and last because membership has been cancelled, was made through XXXX using my Citi Costco account. I have contacted both XXXX and Citi and they are just giving me the run around. I don't understand as XXXX credited the first payment and now this second one is just a nightmare. The service I purchased is supposed to be a step by step XXXX XXXX  that is way to expensive to begin with for what they promise. It is from last year, outdated big time and requires way more money than what was outlined for the business. The tools needed are way more expensive also. In total this is a waste of time and money. They are selling something that can easily be found on XXXX and their promise was that by purchasing this I was getting something no one else knew about.
Product: Credit reporting or other personal consumer reports

I WAS RECIEVING CREDIT ALERTS TO MY EMAIL, THAT MADE ME LOOK AT MY CREDIT REPORT TO SEE 10 UN AUTHURIZED INQURIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX, and ARS ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX, and ARS ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed a series of inaccuracies on an account. ( XXXXXXXX XXXX  ) I have disputed this account as inaccurate with XXXX, XXXX, and Transunion on numerous occasions demanding they do a proper investigation into the facts of the account information and it always comes back verified. How are they verifying this when the open date is different on all three reports, as well as the payment/collection/charge off dates? 
I have demanded that this account be removed due to the inaccuracies and unfairness of the report. This item is interfering with my ability to obtain housing due to it being reported as a rental. I have no knowledge of ever having a rental with this company. According to the FCRA, reports need to be 100 % accurate across all three bureaus. this is a direct violation of the law. 

Furthermore, my rights have been violated under 15 U.S.C. 1681 sec.602 ( a ) states that I have the right to privacy., and 15 U.S.C. 1681 section 604 that also states that a consumer reporting agency may not furnish an account without my written permission.
Product: Checking or savings account

Capital One has not released my direct deposit to my account due to now fault of my own
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Improper Reinsertion of Deleted Account XXXX XXXX XXXXXXXX Dear CFPB Representatives, I am writing to file a formal complaint against TRANSUNION for the improper reinsertion of a previously deleted account into my credit report. The account in question is XXXX XXXX XXXX, which was removed following a successful dispute and has now been reinserted without complying with the requirements set forth under the Fair Credit Reporting Act ( FCRA ). Details of the Violation : 1. Failure to Provide Required Notification : Under FCRA Section 611 ( a ) ( 5 ) ( B ), credit bureaus are required to notify me in writing within five business days of reinserting any previously deleted account. I have not received any such notification regarding this reinsertion. 2. Lack of Verifiable Documentation : The FCRA also mandates that any reinsertion must be supported by verifiable documentation from the information provider. To date, no such documentation has been provided to me. 3. Violation of Data Accuracy Requirements : Under FCRA Section 623 ( a ), information furnishers are required to ensure that all reported data is accurate and complete. In this case, the information appears to have been reinserted without proper validation or correction. XXXX. Failure to Meet Permissible Purpose Requirements : Under FCRA Section 604, all information included in a credit report must meet a permissible purpose, as well as be valid and relevant. The reinsertion of this account does not comply with these provisions. 5. Lack of Transparency : Under FCRA Section 609 ( a ), I am entitled to receive all information used to justify the reinsertion, including details of the source that provided the information and any proof of validation. This information has not been disclosed to me. Personal Impact : The reinsertion of this account has negatively affected my credit report, lowering my credit score and limiting my ability to access financial products. Additionally, this situation has caused undue stress and inconvenience due to TRANSUNION failure to comply with the law. Requested Action by the CFPB : XXXX. Investigate the improper reinsertion of the account XXXX XXXX XXXX. XXXX. Require TRANSUNION to immediately and permanently delete the account from my credit report. XXXX. Ensure strict compliance with the FCRA, including the obligation to notify and provide verifiable documentation before any future reinsertion. 4. Take corrective actions against TRANSUNION to prevent such occurrences in the future. I have attached copies of relevant documents, including : A copy of my current credit report showing the reinserted account. Previous correspondence related to the dispute of this account. Evidence that the account was previously deleted. I appreciate your attention to this matter and look forward to your prompt response and resolution. I am available to provide any additional information needed during your investigation. Sincerely : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my Equifax consumer report and noticed some items reporting on my credit file that arent reporting on XXXX so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are fraudulent on my account XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX IN is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Student loan

My husband and I consolidated our student loans after we got married to reduce our payment size and interest rate. Now, he qualifies for a Public Servant XXXX. The XXXX applies toward all his loans except the spousal consideration loan. Most of his loans were included in the spousal consolidation. When he asked them to forgive his portion of the loans, they said federal regulations prohibit undoing the spousal consolidation loan. We would have never agreed to the consolidation if we knew it would exclude us from government programs. Why ca n't we restructure the loan? This has been a road block for many people.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocay group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-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 XXXX of debt bondage and would like for all listed accounts to be blocked and deleted. company transunion. please delete the following accounts. XXXX XXXX {$460.00}, XXXX {$460.00}, XXXX XXXX XXXX {$520.00}, XXXX {$3500.00}, XXXX {$1200.00}, XXXX {$520.00}, XXXX XXXX XXXX  {$25000.00}, XXXX  XXXX {$200.00}, XXXX {$990.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block 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 : XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I've been struggling to pay off this Student loan for over 15 years now with Navient back then was Sallie Mae kept increasing balances with Forbearance and deferments. I was unable to include my student loan in my recent bankruptcy case and I am still having to make payments for this loan. The school I originally attended has since closed it's doors and lost all accreditation. My diploma is technically invalid and I am still stuck with this Navient debt. Need professional help to clear debt.
Product: Checking or savings account

Vio bank suddenly froze all my accounts today and now I have no ability to login or access my funds