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

Equifax isnt showing my credit union credit card. Removing that credit card from my report lowered my equifax score by XXXX points. The credit card was removed from their report after XX/XX/XXXX. The XX/XX/XXXX equifax report shows the decline in my score. I reached out to credit card company and they were filing a complaint as well. My XXXX XXXX score shows the credit card and shows the opening of the card XXXX of XXXX. Please rectify this for me. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX open a credit card I felt the promotion was just good enough. I used the card for 4 months which my auto pay payed my balance in full because I have spent the last five years doing everything to make improveme my credit score which was went fron XXXX to XXXX two months ago the credit bureau sent me an alert the the dropped my credit score by XXXX points. I couldnt even understand how that could happen. I learn that this credit card which I used for about 4 months was charging me interest and finance fee when I had a XXXX balance. They reported me to the credit agency for interest when I had no balance for $ {$2.00}. So dig further if they illegally charged me fees why didnt my auto pay it. I have spent 2 weeks being transferred hung up on and no one can give me an answer. So i contact the head of finance if ceasers place meanwhile one of the 20 people I spoke to had credited my account for all past fees. Right there theyre admitting fault. But as I go deeper with this head of finance ask him why I never received my promotional points he tell me that were never linked to my credit card. I say impossible Im looking at my card they are engraved under the account number. Then I ask him why the phone number printed on the back of card linked to the bank that issued this card did this to me he says thats not our bank I told him I just recieved a new card yesterday and still says that thats there bank. I tell as a consumer we have the right to know these thing. That fact that your sending me a card that has a bank listed on it. And my rewards number on it and ruin my credit because you iilleag
Product: Credit reporting, credit repair services, or other personal consumer reports

The debtor has already sent confirmation to this bureau that the debt does not belong to me. I've never lived in XXXX my entire life. This entry is fraudulent and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for more than 6 month that my mortgage company which is XXXX XXXX XXXX report my payments to the 3 agency credit bureau but they have been refusing to do it. I file for bankruptcy over 7 years ago and I have sent them a confirmation letter written for me and talked to my attorney and he said the confirmation was include when I filed. so in XX/XX/XXXX they asked me for a bankruptcy discharge, I sent it to them, then a confirmation letter in XXXX and another documents and calling and ask them many times to report my payments so I can improve my credit score and get better interest when I apply for any kind of loan ... I don't know what else to do ... please help with this Thank you
Product: Money transfer, virtual currency, or money service

I have been victim of a scam. I had a item on XXXX XXXX place for {$700.00}, the scammer pretending to be a buyer send a offer to buy and used said to use a XXXX The scam was he said had to pay {$1100.00} and I had to return {$400.00} back. He used fake email XXXX account, I sent him XXXX on through my zelle and had a problem than I ask to send it through PayPal Friends and family. I sent him {$400.00} through PayPal. I have reported to PayPal that I have been scammed. PayPal is siding with the scammer/buyer that there is nothing wrong with this transaction. Date incident occurred XX/XX/2023. Lost {$400.00} on my credit card through PayPal friends and family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identiy theft, could you please remove the below inquiries as well as the inquires attached to my identity theft report? 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX, personal XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX  XXXXXXXX XXXX XXXX XXXX personal XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX, Used XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, I would like the below address deleted from my credit report as they are not deliverable to me by U.S. post office and they are not reportable as per the FCRA, since the addresses is incorrect. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX
Product: Credit reporting

Sent Equifax certified mail XXXX which they received 32 days ago. I have not heard back from them and am locked of out viewing my equifax report. I contacted them asking them to show me how they came back as the account with XXXX XXXX being 'verified '. Still, no response. I sent them a fax an additional XXXX times asking them to give me information on the account. Since it 's been over 30 days, this needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX, Equifax and XXXX  regarding an erroneous item being placed upon my credit report by XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  XXXX  XXXX in early XXXX of 2020 to make them aware that an item from them was being reported to my credit file with XXXX, Equifax and XXXX  and that someone had opened an account unlawfully with them under my name. They sent me an affidavit which I returned to them, they said they would remove the item from my credit report. They obviously lied about this, I then sent notices of dispute to XXXX, Equifax and XXXX  requesting specific documentation regarding the debt. I requested a dispute under Section 609, 611 FCRA which requires an investigation into the claim and required XXXX XXXX XXXX XXXX to provide to me certain documentation. They once again refused to do so and were not required to by XXXX, Equifax and XXXX  despite the requirements under Section 609, 611 FCRA. I am attaching to my complaint my notice to XXXX, Equifax and XXXX  as well as a recent letter from XXXX XXXX XXXX XXXX  to me that came ripped and replete of any of the required documentation under Section 609, 611. I am also attaching a notice of a lawsuit filed by the FTC against XXXX for the very same misconduct bring engaged in by XXXX XXXX XXXX XXXX. Additionally, I am attaching a copy of an Attorney General of Texas complaint filed against XXXX XXXX XXXX XXXX since the CFPB did not accept my complaint against XXXX XXXXXXXX XXXX XXXX XXXX
Product: Bank account or service

I started to receive a lot of fees and charges that did not belong to me and when I called to complain I was told it was simply the policy and that there was nothing I could do about it. So now my account is extremely overdrawn due to fees and automatic payments that were unable to be paused or paid from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my chexsystems report and I noticed there are some inquires that are not mines and I open up a disputes on them in the past and they were denied and I provide them documents in the past and they didnt do anything about it ... .. there are several inquires from XXXX  on the behalf of XXXX XXXX XXXX .... and all the inquires are not done by me or nor I do business with these companies there one for XXXX XXXX  on XX/XX/XXXX I didnt apply for XXXX XXXX and I didnt apply for XXXX XXXX on XX/XX/XXXX and there is inquires for XXXX XXXX XXXX on XX/XX/XXXX I didnt apply for XXXX inquires XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I really have just about had it with everyone involved at this point. I am a good taxpayer and bill payer, single XXXX year old woman. Not some whiny XXXX. You need to use your attorneys and straighten this out for me and everyone else being harmed. 

I took out a mortgage with down payment assistance that was a silent lien, a lien placed on the asset. I have enclosed a copy of the recent credit report update. Now they show both by XXXX XXXX and the Silent Second status as if it is in " Forbearance '', I also enclosed a definition straight from XXXX XXXX XXXX selling guide as to their definition of Forbearance since no one is quite sure what it means. 

I have tried this complaint 3 times, each time has yield a different result, previously the bureau simply removed both reportings as " closed '' Now, they put them both back on and noted they are in " Forbearance '' " A forbearance plan is a retention option in our workout hierarchy for a borrower with an eligible hardship that is temporary in nature and has not been resolved. A forbearance plan provides for a period of reduced or suspended contractual monthly mortgage payments, followed by a full reinstatement, mortgage loan payoff, or another workout option to enable the borrower to resolve the delinquency '' The Silent second was a lien, there is no balance due, there are no interest charges, there are no payments due, yet they show it in Forbearance. It is killing my Credit Score, it looks like a collection account. Recently looking at a car loan, the lender told me they would count 5 % of the outstanding balance " as if it were a collection account ''. This account is a lien, it in no way needs to be reported on a credit bureau, it affects my ratios, it causes a lower credit score ... this is simply unacceptable. I never agreed to this. The SIlent Second was disclosed to the XXXX XXXX provider, I was not informed that SIlent Second would be reported to any credit bureau in any fashion.. The XXXX XXXX, I did sign paperwork that I understood the lenders obligation and my rights under FCRA The big issue, the XXXX XXXX with XXXX XXXX XXXX is I pay this every month and have all year, even while being unemployed when my employer closed, yet it shows in Forbearance. It is not in Forbearance, they are just trying to keep me paying the high interest rate because in reviewing XXXX XXXX guidelines : homeowners who missed payments and entered into a loss mitigation solution such as a repayment plan, payment deferral, or loan modification are eligible for a new refinance or purchase mortgage after three timely payments. The lenders I spoke with were very clear the current mortgage can not be noted as " in forbearance '' From what else I read, the receive a premium of some sort when I make timely payments if they code it as in Forbearance.
Product: Debt collection

I PAID OFF DEBT FROM XXXX AND CONVERGENT OUTSOURCING REMOVED IT IN XXXX FROM THE CREDIT BUREAUS. 

they just place id back on my account 0n XX/XX/XXXX. I can not refinance my house at this time because of that, I need this resolved asap XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C. 1681. 
XXXX. XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX I HAS VIOLATED MY RIGHTS. 
XXXX. XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
XXXX HAS VIOLATED MY RIGHTS. 
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 604 A SECTION 2. IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.
Product: Checking or savings account

I have continually been trying to access my account from XX/XX/XXXX through now ( XX/XX/XXXX ). When logging in, I get this error : OAuth2 Exception : Unauthorized action..
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ;
Product: Checking or savings account

I reported fraudulent activity that I noticed on my account to Chase bank and my claim was denied. 

Brief summary : I paid to park my car at a parking lot in XXXXXXXX XXXX at XXXX XXXX XXXX XXXX using my debt card. 

A few hours later I was called by the fraud department of my banking institution stating that there was illegal activity on my account and aksed me to confirm if the transactions were valid. During the call they texted me a verification number and my banks information was listed as the caller ID. I denied that validity of the charge as it occurred in a different state. During this process, I was relocating to another state with my family. We stopped thru several states on our way to our final destination and I was not closely monitoring my checking account due to driving. 

Upon arriving at our final destination, I noticed that there were XXXX fraudulent transactions that occurred on my account in total. XXXX transactions occurred at ATM machines, XXXX occurred online ( XXXX XXXX ) and XXXX occurring at a XXXX XXXX store in a state that I was not in. 

I submitted the amounts and details of the fraudulent activity to a online banking representative, received a partial refund, and was told my claim would be processed following an investigation. 

Several weeks later I received a letter stating that my claim was denied. This is grossly incorrect and I am taking all and every necessary step to report and reinvestigate my case.
Product: Credit card or prepaid card

On XX/XX/18 was unable to find XXXX $ via ach transfer. 
On XX/XX/18 balance of XXXX $ was debuted from my existing PayPal balance. 
XX/XX/18 in addition to the XXXX $ taken on XX/XX/18 my bank account was compromised and XXXX $ stolen. 

They were unable to give me back XXXX $ I spoke XXXX id # XXXX supervisor
Product: Credit reporting or other personal consumer reports

On my XXXX credit report, it shows an account with Affirm, which is past due since XX/XX/2023 for {$45.00}. That specific account I had with Affirm was transferred to their credit collection agency, XXXX XXXX. I made payments on this account to XXXX XXXX. My final payment to XXXX XXXX was made in XX/XX/2023 in the amount of {$45.00}. I have attached documentation, showing that Affirm charged off that account to XXXX XXXX. I have also attached my payment history on that account to XXXX XXXX. My final payment in XX/XX/2023 was never credited to this account. I have disputed this 4x now with XXXX, and every time I get the same response, that the past due amount will remain on my credit report, and that they have received confirmation from Affirm. What is going on here? What other documentation do you need showing that I have taken care of this past due balance. I want this removed from my credit report now. I have been trying to obtain a home loan, and this past due account on my credit report, is keeping me from obtaining that loan. If this does not get resolved, I am going to have to take legal action. Affirm does not have the right to keep fraudulent information on my credit report.
Product: Student loan

When switch from Mohela to mohela student aid unable to make payments. I started receiving emails from Mohela to make payments but when click link doesn't work, or when try to log on and ask to change password with my Social, get message that there is no account. Tried to reach Mohela at XXXX XXXX XXXX and XXXX at XXXX XXXX XXXXsame electronic message unable to get through as won't accept my social. So I can't log in, I can't get through on phone so I can't make a payment. I also want to speak to a person to see if there is a forbearance for caregivers. My husband has had XXXX XXXX  betwee XXXX and XXXX and is now on XXXX for XXXX  XXXX XXXX XXXX. He is XXXX XXXX XXXX and I am XXXX XXXX XXXX. I am his primary caregiver and also still work full time. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )  I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account has been reported as a collection and was reported incorrectly. Please have credit bureaus to remove this, thank you : Please remove promptly. Thank you for your prompt attention. 

This is what I received : -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX, " XXXX '' XXXX Sent : Tue, XX/XX/2018 at XXXX XXXX Subject : XXXX ( XXXX ) XXXX URGENT [ ref : XXXX : ref ] URGENT Per client request, please close XXXX dos XXXX and XXXX with collections. The client sent the wrong insurance and per the VA, the patient isn't responsible.
Product: Checking or savings account

I deposited XXXX $ at a XXXX XXXX  and the atm gave me a receipt that reads deposit error and it could not retrieve my funds and gave a number to call when i called the number on the card they told me they could not help me because i was not a customer there and did not have their card so I contacted cash app the entity that provided me the card and they also said they could not help me because the deposit actually never happened and didnt get to my cash app so basically Ive been going back and forth to the XXXX XXXX  branch where i made the deposit and they finally decided that they couldnt help me or retrieve my funds even tho i have the receipt and its been about 8 days since it happend and neither is XXXX XXXX  doing anything to help me nor cash app i have already explained the problem to both of them several times and neither of the branches seem to know what is going on
Product: Credit reporting or other personal consumer reports

There is a XXXX XXXX XXXX  reporting on my credit report account # XXXX that is charged off/written off in the amount of {$28000.00} that i never applied for on experian, XXXX and XXXX wiithout my consent. And also there is a XXXX XXXX reporting as well that i did not authorize the opening of nor do i have knowledge of this company. I am a previous victim of identity theft, so i do not know how these came to be. Please have them removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX about XXXX XXXX. I had called and canceled my service and i was still being billed from XXXX I have tried multiple times to get this removed from XXXX and Transunion. I am not satisfied with the response I have received from TransUnion or XXXX. There in the business of handling people credit as it effects the outcome of buying on credit yet they take no financial responsibility of ruining someones credit. They are quick to post information on someone credit and yet they take there time in determining wrong information on someones credit report and when and if it will be removed. When time is of the essence. Also I feel TransUnion is retaliation because of my prior complaints and have decreased my credit score by XXXX points for a account that I have never been late on I have a good standing and the balance is {$110.00}, XXXX points for XXXX account seems a little excessive.
Product: Debt collection

**Re : Dispute of Debt - [ XXXX XXXXXXXX ] ** Dear [ Jefferson Capitals LLC ], I am writing to formally dispute the debt associated with the above-referenced account, which I believe is inaccurate or incorrect. I request that you provide me with validation of the debt, as I do not recognize this charge. 

I am requesting that you kindly provide the following information to validate the debt : 1. The amount owed and an itemized breakdown of charges.

2. A copy of the original signed contract or agreement outlining the terms and conditions.

3. Any supporting documentation or evidence that proves I owe this debt. 

Please note that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to dispute this debt and request verification. I request that you cease any collection activity until the debt is verified, and I kindly ask that you provide a response within 14 days of receipt of this letter. 

If you are unable to provide the requested documentation or if you continue to report this debt without verification, I will consider pursuing further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and disputing the item with the credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX asking them why I have a bankruptcy showing on my credit profile. They explained to me that they use a third-party company XXXX who uses a third-party company to verify the information. 

I attempted to reach out to them and ask them what information they had proving that the account was mine and they said they only had my first and last name and the last 4 of the social. I attempted to verify the full social and they refused to provide me with any further details. 

XXXX also has two accounts from XXXX XXXX on my credit profile which were included in the bankruptcy. One which they removed and blocked but them placed it back on their stating that XXXX XXXX requested that they unblock it and put it back on there. 

I was still in XXXX XXXX during the time of all of this and not knowing this was going on.