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

I contact the credit agency concerning this matter and have not received a response as of yet. i asked that the hard inquires be removed because they were not authorized to run my credit without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this CFPB complaint in order to get the fraudulent accounts and information that are being reported on my credit file removed as soon as feasible. My credit report contains a significant number of unlawful requests as well as some false information reporting. My identity has been hijacked, and I am aware of it. As a result, I formally reported this to the FTC under File Number XXXX. In accordance with FCRA Section 605B rules, I have integrated that report into my complaint ( 15 U.S.C. 1681c-2 ). Please erase these items from my credit record as soon as possible in compliance with the law ( i.e., 4 days ). Please let me know if you require anything else. I require the following items immediately removed from my Credit File : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00}. If you believe I possess the disputed objects, please provide me copies of whatever paperwork you have that proves you are the legitimate owner. In the absence of these documents, these bogus accounts will be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 

1. XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX. XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX. XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX. XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX. XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiries from 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 BANK, XXXX, XXXX XXXX XXXX, and XXXX are all fraudulent and needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are taking longer than they are required to investigate disputes. According to the FCRA the bureaus have 30 days to investigate disputes.
Product: Student loan

I received a loan in 1999 for a mere {$5000.00} to go back to school. I became pregnant, and had to stop attending college. When I discussed doing an income based repayment, I was told no, and that I could easily just go into forbearance until I was financially able to repay my loan. I was never informed of the $ XXXX/month interest I was accruing. And wasnt informed until I was sent a bill for over {$20000.00}. Because Of interest, I have been paying over $ XXXX/month for years, owing well over {$30000.00} on a mere {$5000.00} loan. I received a measly {$100.00} check due to the lawsuit. But I am still paying an astronomical amount for a loan I have paid back, plus interest already. I still have 10 more years to pay back $ XXXX/month loan for an {$5000.00} loan. This is criminal.
Product: Student loan

I use XXXX XXXX XXXX to pay for college. They charge a fee to break the amount into XXXX payments. I have made XXXX payments for the Fall semester and have been charged a late fee. I do not believe I have been late. Last year they tried to charge me late fees because I did not send in the same amount every month. I think the late fee is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX XXXX XXXX  XXXX of XXXX and have worked with a law firm to repair my credit. XXXX is showing a collection status from XXXX  XXXX XXXX XXXX. Due to this item being on my report it is causing me to lose out on career opportunities as well as being denied future credit. Per the U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2. It also states that you can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Dear XXXX XXXX Transunion XXXX, I am sending this dispute for the second time but this time threw cfpb to make sure you received it. 
I have no knowledge or records of this XXXX  emergency service reported service of XXXX XXXX. 
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete. 
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 

If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 7 days ) of receiving this complaint please delete this account from my credit report. The ( 30 ) day time frame has  already been given with no response from XXXX and credit reporting agencies stating verified with no proper proof of debt. Please do n't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of cause I never received a bill from any company with a bill statement from a service that was provided. 

This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed. 

Very truly yours, XXXX XXXX
Product: Student loan

I made a request with Fed Loans in XX/XX/2019 to recount my eligible payments for the Public Service Loan Forgiveness Program, as the count looked inaccurate to me. It has now been 11 months, and I still have not received the updated count. I have called a total of 3 times in the 11 months, most recently one month ago, and was told that sometimes it " just takes this long. '' I explained the situation, and that my loans have only ever been with one other servicer, and also tried to escalate the conversations to a supervisor, but no one has been able to move this along for me. My loans are pretty straightforward ( only medical school debt, no private loans, all consolidated federal loans ) so I am unsure why it has taken almost 365 days to clarify my qualifying payment count.
Product: Checking or savings account

Hello in XX/XX/XXXX at around XXXX XXXX, I stopped and used the drive through atm with US Bank at their branch location on XXXX XXXX here in XXXX, CA to deposit {$30.00} for an upcoming bill. The machine malfunctioned and kept my {$30.00} without depositing it. The receipt that printed says an error has occurred and it was not able to deposit the items or return them. 

I called the customer service number when I got to work and was told they could not contact the branch and it could take up to 10 business days for a credit and up to 45 days to resolve this. I called the branch on my break and after 7 times, someone finally answered. I explained what happened, asked them to balance the atm and I was told no. That I have to call their customer service number. I called again today XX/XX/XXXX and still no provisional credit. 

I have been in banking for 12 years and when I was a teller on the front line, when a depositor had an issue with the atm like this, we took care of it that day. As a depositor I put my faith in this financial institution to handle a deposit without issue. I trust that if I deposit money to pay a bill, that money will be available to me. Absurd to tell a depositor they have to wait 10 business days for a provisional credit. Creditors dont take excuses for payment. They are playing a dangerous game with peoples money that you need to be aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is listing an outdated " hard '' credit inquiry on my credit bureau report. 
The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX, XXXX, XXXX. This inquiry should be deleted from my Equifax credit file, because the Fair Credit Reporting Act, or FCRA, mandates that all credit inquiries that are 2 years old or older, must be removed, from a consumer 's report, immediately. 

I have contacted both Equifax and XXXX XXXX with no results.
Product: Credit card or prepaid card

On XX/XX/22 I made a {$15.00} payment to American Express from my options credit union account. Unbeknownst to me, the credit union had transferred money out of my account without my permission to a credit card opened with the credit union in violation of regulation z. This caused the payment to return as nsf. The following day I contacted the credit union and had the illegal transfer reversed. Despite this, Amex has charged me an nsf fee. Due to the credit unions illegal activity, I removed the funds from the account and contacted Amex to stop the payment. They refused and resubmitted the payment request 2 additional times, despite my request to not submit it again due to my ongoing issues with the bank. In the meantime, a hold on my credit union account for {$50.00} dropped and allowed the payment to go thru. Despite this, Amex charged an nsf fee of {$29.00}, almost twice the payment amount. When I requested they refund the fee due to the nature of the activity, they stated the can not refund the fee. This was patently false, as after asking additional questions it became clear that they could refund the fee but did not. It is apparent that this misinformation was given to me to prevent me from pursing a refund of the fee, a source of considerable revenue for Amex. Eventually Amex confirmed that they were able to refund the fee but were refusing to. I have never had a late payment on the account and this was the first time an nsf transaction has occurred, for reasons outside of my control. These practices are deceptive and abusive toward consumers, and are clearly part of a policy targeted at consumers who have issues with nsf. Im addition to the above, Amex also freezes the available credit in this circumstances for 7 days, but does not provide any warning or information regarding the freeze. The account shows available funds and no indication the hold is on place both on their online portal and on their dial-in system. There are no pending purchases on the account that would warrant freezing access to the credit.
Product: Credit card or prepaid card

The XXXX XXXX XXXX XXXX issued by Synchrony Bank added a " Card Security '' fee with it describes as : " Optional Card Security - Up to {$10000.00} protection on your credit card. With the optional Card Security program, your account balance up to {$10000.00} may be cancelled. '' I never intended to purchase this product and certainly never knowingly did during the card application process. As I understand it the product charges XXXX dollar XXXX XXXX cents ( {$1.00} ) per XXXX XXXX dollars ( {$100.00} ) for an APR of roughly 20 %. No indication of the charge for the insurance is mentioned in the description that I click on the card payment splash page. Furthermore, The Synchrony Bank website did not make it clear if where or how it could be cancelled. I found the 3rd-party insurance service provider 's phone number and cancelled and was told my last charge would be refunded but a less observant customer could have unknowingly been paying for this unwanted service.
Product: Debt collection

Several calls every day to myself and other family and friends regarding a loan that I never received. I applied online years ago and never was told I was approved. Then I found out they had tried to deposit it into an old checking out that had to be closed. I never received the funds and I have told them several times over the span of more than 2-3 years. They threaten me saying I am going to be served at work, say they will garnish my wages. Every time I am told that I have to pay that day but its a different amount every time.
Product: Debt collection

XXXX, I am filing yet another complaint against your company. I continue to request your attention to this matter. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. XXXX XXXX is reporting a debt from XXXX that is a result of identity theft. Please block this information from my credit report immediately, pursuant to section 605B of the Fair Credit Reporting Act you have four days, Please send the required notifications to all furnishers of this information and send me an updated copy of my credit report.
Product: Debt collection

In XX/XX/2019 I paid off the credit card balance by phone with a representative of Continental Finance Matrix Card division. 
During the conversation it was clearly discussed to close out the account and the representative advised once the funds cleared the account would be closed and acknowledgement was received on XX/XX/2019. In XXXX I received a collection call regarding past due funds and I shared with the representative the XXXX conversation and confirmation and was advised this would be corrected and resolved ASAP. 
In XXXX another call and another conversation with the party stating they did not show that but would get resolved. This party was not pleasant to deal with and I felt threatened. 
In XXXX again more calls and was told funds being assessed to account including late charges and must be paid. Also received a collection letter and my credit has been reported as late as well as seeking {$74.00} in fees for an account again paid off and closed in XXXX. Each time the party being spoken to has become unpleasant and threatening. In good faith I paid the debt in full, and was told resolved and now being threatened in collection and credit report reporting as late. I am on social security XXXX but in good faith resolved this and seek this being closed and my credit being corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

According to FCRA Section 605b it is illgal to report information on my credit report without my permission. I have reach out the Experian Dispute dept and XXXX XXXX # XXXX, XXXX XXXX XXXX. I have sent in documents on my behalf to remove these items completely from my credit report. Experian are reporting incorrect information my credit report. In according the CREDIT REPORT ACT this creditor has violated my rights under USC 1681 section 602 states I have the right to privacy ( 15 USC 16819section 604a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit. I wish to have these account deleted from credit report.
Product: Money transfer, virtual currency, or money service

a person bought some goods { clothing } from me and paid the money to PAYPAL. i have a paypal card ive never used but have regeistered with paypal. they have refused to allow me to transfer or spend any of the moneies what so ever. i call them daily and get nothing but a runaround and lies. ive submitted answers to all of the security questions and jumped through every flaming hoop put in front of me. ive submitted the tracking number for the package sent. they even asked where i store my goods at. the package i mailed has been delivered and the person has notified paypal of this. every day paypal tells me lie after lie. any help or assistance will be greatly appreciated. THANK YOU. p.s. they will not even send me a check for the money
Product: Debt collection

XXXX XXXX XXXX called my cell phone on XXXX and XX/XX/XXXX while I was at work. Did not identify themselves as debt collectors and attempted to get personal information. When I refused to provide them with the information, they threatened to keep calling me until I answered their questions. Then on XX/XX/XXXX I received a dunning notice from them. The notice was backdated to XXXX in an attempt to limit my time to respond and request for verification of debt.
Product: Debt collection

I on XX/XX/2021 entered into a fraudulent agreement/contract for XXXX XXXXXXXX XXXX XXXX XXXX the contract had numerous federal violations as seen marked on the contract I also was never given full disclose per federal law I also was never notified of my right to rescind the contract nor was I informed of my right to validate the debt per 15 USC 1692g and I never gave consent for my name to be turned into a fictitious entity as listed and notated in the contract Ally still has not responded to my initial affidavit with a affidavit or rebuttal point point per federal law.
Product: Credit card or prepaid card

customer service giving incorrect payment information customer service saying they will get back to you and never do attempting to collect late fees before payment is due App does not verify a payment was made successfully causing overdraft when you attempt to make payment again See letter to XXXX XXXX for more details : XXXX Dear Mr. XXXX, My father is a veteran, so I opened a credit card with USAA. I had heard that the service was outstanding and opened a credit card number XXXX XXXX XXXX XXXX. I attempted to pay the balance on XX/XX/XXXX. Your app appeared not to have taken the payment, so I tried again using a smaller amount. This caused an overdraft situation because even though the app appeared not to take my payment, it did which cost me over {$300.00} in fees and put me over the limit. When I contacted USAA to correct the situation, I naively thought someone would investigate and call me back, so I waited, and the account went delinquent. More delinquent fees piled up on the account and you ruined my credit by reporting me to the credit bureau. I had some serious medical issues which I am recovering from and I lost my job. 
Recently I asked for a reprieve for Coronavirus and as usual I never heard back from USAA. 
I am requesting the following actions be taken 1 ) Since the app mislead me into thinking the payment had not been taken I should be reimbursed the late fees. 
2 ) I am requesting that you notify the credit agencies using XXXX to remove the delinquencies you have reported on his account. 
3 ) In return I will set up automatic payments to pay this debt off as you can see I have been making payments in good faith. 
4 ) also asked for a Coronavirus deferral and as usual I have not heard back. 
I think this is a reasonable request. I would like a response within XXXX week and after that I will copy the consumer protection agency and perhaps, they will get back to me. 
Thank you, XXXX XXXX cc. Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
Washington, D.C. XXXX
Product: Debt collection

After reviewing my credit report ongoing .. There's a collection Agency. CARMEL FINANCIAL. A Balance of {$5000.00} ... Opening date XX/XX/2016. That's continuing to appear on my credit Report ... It was once remove due to Fraud.. And it has now appeared back.. And it's showing in good standing right now, with 3 late payments. i don't care if the account is showing in good standing!!! it does not belong to me and I'm not about to be liable for it. And it's a severely old account ... Police Reports has been sent in to them and all of the Credit Bureau 's to have it remove ... This is Really starting to be a pain!!!! .. Because what they are reporting is not accurate and it's Fraudulent.
Product: Debt collection

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 XXXX, XXXX, and XXXX to reinvestigate these accounts ; Account name Zwicker & Associates P.C, However i haven't been provided with proof of debt with my original signature in clear and concise writing from me as a consumer, after i have requested several months prior to the date of this complaint. Furthermore the date of the account open and date of last activity and much more has not been rectified. According to 15 USC 1681 i ( 5 ), They are supposed to modify accounts that aren't reporting correctly. 15 USC 1681s-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. I demand this matter to be corrected in a timely and in a prompt manner. ( Fraud )