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

XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX, Dept Of ED/XXXX, and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to TransUnion   regarding my credit file. TransUnion  further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, US Dept. of Education/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX  via XXXX XXXX reported to the TransUnion that I applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.
Product: Credit card or prepaid card

On approximately XX/XX/2022, I contacted XXXX to purchase an engine for {$3700.00}. I was told that the engine was available and once the payment was completed, I would be emailed a tracking number within 24 hours and the engine shipped. After not receiving the tracking number I called XXXX and was informed that they didn't have the engine and it would not be available until XXXX. After being informed of this I asked for an immediate refund being that the salesperson said she verified the engine was available and ready to ship within 24 hours. I then contacted Discover and initiated a dispute for fraud because the merchant told me that they had the engine ready to be shipped and the salesperson verified it to be ready and available. I tried to initiate a dispute at this time but was told that I could not dispute this at this time and had to give the merchant 10 days to return the money to my account. After 12 days I called into dispute the transaction and them aware the credit from XXXX still was not available or returned to me, so then the dispute was filed by Discover. During this time I was not able to view or verify my other transactions. After filing the dispute I called Discover and made them aware that my bill was incorrect and there were some discrepancies ( items that were charged missing ) on my bill. I was told that the bill was correct and that amount it showed was correct ( owe {$4.00} ). After a few days, the bill changed again ( owe {$590.00} ) After the disputes and the changing of the bill, there are some charges on my bill that I do not recognize. I have tried calling some of the merchants to verify if the charges are actually mine.
Product: Money transfer, virtual currency, or money service

Company : Binance.us Account registered under XXXX Ticket number XXXX I am one of many that are victims to Binance.us internal issues that disable accounts so that we can not access funds. I have sent six ticket requests under three different email addresses to try to get a service agent to talk to me. Two weeks ago an agent asked for a verification video and document pictures and I provided it immediately. Check XXXX  and XXXX and you will see that this is widespread, perhaps thousands of people affected. Binance.us does not have a phone number or live chat option so customers get locked out and can only submit ticket requests, which go unanswered. Some people on XXXX  and XXXX claim that Binance.us locks their accounts for months and several claim for more than a year.
Product: Credit reporting

I keep contacting you regarding fraudulent activity through my XXXX credit card. In the fall someone managed to change my address to XXXX Florida while trying to steal my identity and this card. I have spoken to the credit card company on XXXX XXXX, 2016 as they kept reporting this address as my new one even though they are the ones who notified me there was a problem with my account. They canceled my card & issued a new XXXX. They have supposedly updated it in their system and were supposed to fix it with the credit bureaus, yet it keeps appearing on my credit report, especially on EQUIFAX. Please correct this!!
Product: Credit card or prepaid card

Several years ago, I was XXXX  with an undisclosed illness. I was taken for a rode from XXXX to XXXX regarding this illness and had been charged many XXXX fees. I think some friends and associates of mine stole my credit card while I was traveling. There were so many charges at XXXX and things and I believe the charges were fraudulent. I am am authorized user of this card which is under another name. 
I have already asked for XXXX XXXX to Step In and assist. XXXX XXXX. I have asked why in the world do I have a Credit card balance. Remember my Navy Federal account was to be used for the transaction involving the XXXXXXXX XXXX? 
I don't understand why the fraudulent charges are still there and why there is a balance on the NavyFederal Card Anyway. 
Please may someone assist
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX/Comenity Bank the final payment on XX/XX/2019. I called XXXX XXXX and was told they would remove the negative information at the bureaus, but when I received the letter where they acknowledge ( " While we are confirming that your XXXX XXXX XXXX credit account is paid in full, keep in mind that any disputed amount is not included in this balance. Weve shared this information with the three major credit bureau reporting agencies. '' ) XXXX XXXX was one of many creditors that extended repayment terms during the height of the Pandemic. They did not keep their word. 

thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 fraudulent Collections on My Credit Report that are still reporting. They are XXXX XXXX, and Financia Recoveries. These collections are not associated with me, and I shouldnt be held liable for them. Please see the attached FTC report and remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was repossessed and sold at auction. Therefore I no longer owe this debt. I also sent Capital one a validation of debt letter 30 days ago via certified Mail and they have yet to validate the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Student loan

I submitted paperwork stating i needed a payment deferment. I received no paper work from navient. I called in and got " oh we got your paperwork everything is ok ''. Months later i check my credit score and my score dropped over XXXX points because i was late for months on my student loans. So i call back navient and they simply said oh fill out the paper work Again! Furious as i was, i did but it has been rough trying to improve my credit again.
Product: Student loan

I had applied for a new SAVE plan over 60 days ago on XX/XX/23 before the payments were supposed to resume. They placed my account into forbearance pending " administrative form. '' My SAVE plan was marked as approved on studentaid.gov and my payment amount was calculated as $ XXXX. I recently received an email stating that my new payment was {$140.00} and for the PAYE plan which is obviously wrong. I have emailed them 5+ times and attempted to contact them via chat and call. My new due date is XX/XX/23 and they have taken me out of forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX. These hard inquiries were placed on my credit report without my written authorization, which qualifies as identity theft under the FTC 's definition. Since this is my third dispute regarding this matter, I expect these inquiries to be promptly removed as required by law.
Product: Debt collection

TSC Accounts Receivable Solutions, claims that I was admitted to XXXX Hospital XXXX for medical treatment on XXXX XXXX, 2011. As I have no record of this, I have requested XXXX items from TSC Accounts Receivable Solutions : 1 ) A signed copy of the admission and/or release form showing I was admitted on this date. 
2 ) A signed form showing they are assigned this debt and have authority to collect on it. 
To date, TSC Accounts Receivable Solutions has not provided either item, nor any other signed document showing I am responsible for this debt. 

TSC Accounts Receivable Solutions has provided me what they call an " itemized bill '' and a " Hospital XXXX Admit sheet '', stating these " as proof of this debt and his responsibility for payment '', but if I was truly admitted to the XXXX, I would have had to sign forms to allow treatment and for financial responsibility. To this point, TSC Accounts Receivable Solutions has not provided any signed documents. 

At this time, TSC Accounts Receivable Solutions, and indirectly XXXX XXXX XXXX XXXX, has and continues to cause me financial harm by providing credit reporting companies with negative information that they either can not, or will not, prove. 

Reporting false information to credit reporting companies is a violation of the law, and both parties continuing refusal to provide the above information makes this matter even worse. I am trying once again to get TSC Accounts Receivable Solutions and XXXX to provide this supportive information before I pursue my rights under FCRA regulates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am displeased at the disregard to the dispute I recently submitted asking for fraudulent accounts I do not recognize to be validated.
Product: Debt collection

XX/XX/23 It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide XXXX XXXX COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reports an open tradeline with payments iao {$1300.00} and balance {$170000.00}. I am joint on the promissory note for this loan and quit claimed my interest to the co-applicant. I also included the promissory note in a chapter 7 filing that has discharged since  XX/XX/2015 ( case XXXX ). I understand that divorce decrees do not supercede the actual debt, however the debt was fully discharged in the Chapter 7 and therefore this should be credit suppressed and all delinquencies reported since the discharge should be deleted and the balance should reflect {$0.00} discharged in the chapter 7.
Product: Mortgage

This company bought our loan from a previous lender about XXXX months or so ago. I had a lot of issues in regard to my escrow shortages with that lender and was and are still battling that with the XXXX. I see that I was charged a charged a fee of over {$300.00} that was carried over from the previous lender. When I questioned this I was told it was some kind of fee for going into a remodification. We never agreed to this fee. We went into a Forbearance for XXXX as many did back in XXXX of 2020. When we tried to come out of it we had a problem. They were trying to raise our interest rate. It was a huge mess and we were never even made aware that we were going to have to do a remodification. No one told us this. We were forced to do the remod. No choice but had a big battle to make sure it was on our terms. it took us almost a year and a half to go back to paying. Then they snuck this fee in on top of all the shortages in escrow that we were hit with. 
Now, of course, XXXX, carried this over. We are in protest of this and we are not paying it. We were not informed. We want it removed. It is their problem that they bought people 's loans and inherited debt that was in protest. I had no idea that my previous lender was going to sell our loan. On top of this I am now laid off from my full time job of XXXX years and my wife is on SS XXXX. The last thing we need is another charge on our mortage. It is under protest and will remain so.
Product: Credit card or prepaid card

Capital One {$560.00} Last reported XX/XX/2022 2022
Product: Student loan

Hello, I have been having trouble with Mohela for more than nine months now. Starting in XX/XX/XXXXXXXX  I received numerous communications about re-certifying my IDR plan. When I contacted Mohela about the discrepancy between when they were sending me and what was recorded on the student aid website ( https : //studentaid.gov/manage-loans/repayment/prepare-payments-restart ) they attempted to force me to recertify via the phone. I was subsequently removed from my repayment plan in XX/XX/XXXX. I again contacted Mohela and told them that according to the federal student aid website all plans were supposed to be continued through the covid pause. Mohela then processed a recertification without my consent. I contacted Mohela again and told them I did not authorize that recertification and, requested they reinstate me back to my plan and payment amounts from XXXX  ( prior to covid pause ). I checked my payment information again, and my rectification date and both the date and payment amounts are still incorrect. They are blatantly telling me that they are not following the guidance from the federal student aid office, and that they are unaware of what information is provided to borrowers. The staff that answers any call ( after 3+ hours on hold ) is unable to do anything and even after promotion to a supervisor nothing is fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I saw that a collection account using the name of Enhanced Recovery started being reported to my XXXX  credit report. The debt is not mine and I have never received a bill or invoice from Enhanced Recovery about this debt prior to it being reported on my XXXX credit report. I disputed the account because it is not mine and XXXX  reported on XX/XX/2020, that Enhanced Recovery verified the debt and it remains on my credit file. I wrote a letter to Enhanced Recovery asking them to validate the debt on XX/XX/2020. As of today, I have not received a response from them. Yet the debt remains erroneously reported on my XXXX  Credit Report.
Product: Credit card or prepaid card

I am XXXX XXXX and I am upset to inform that Citibank decreased my credit limit without my consent on a credit card I actively use. Due to this my credit score has taken a hit on the balance.
Product: Debt collection

I have tried talking to them and explaining I Have XXXX and XXXX and I turned in all my cards the day of service. But they will not remove from my credit report and he keeps saying its not his problem and it needs to be paid in full asap. I ask him who the origonal debitor was and he just tells me the one on the credit report. He is not trying to help me in anyway. I tried to explain to him I was told that if I have XXXX and XXXX that he was not aloud to put that on my credit report cause I was never to be charged a bill and he just says well you was told wrong.
Product: Mortgage

This is the second complaint. Caliber Home Loans is committing ongoing escrow fraud which is very tiresome. They don't respond to letters or phone calls or emails.

( 1 ) PMI should be removed. We paid {$300.00} in XX/XX/XXXX for an appraisal which valued our home at {$370000.00} ( their fraudulent BPO said $ XXXX which is laughable ). 

( 2 ) escrow fraud. We were never reimbursed for homeowner 's insurance despite the company continuing to collect for insurance in the escrow. As a further insult their XX/XX/XXXX purported new escrow calculation assumes PMI into XXXX - this is false. Under the 1998 PMI Act, PMI must be removed in XX/XX/XXXX, so how can they addPMI for a full year XX/XX/XXXX to XX/XX/XXXX to calculate the escrow? Fraud is the ONLY explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the late payment remarks that is being reported on my credit report. This is unfair on how I work my XXXX day and night just for you to report this inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agreement for pay to delete account was not honored after payment was made to Ginnys agent continue to make statements on my credit report 2 twice each month of derogatory
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries I did not authorized or have knowledge of, credit agencies failed to investigate and remove unauthorized items XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to Transunion and XXXX ) XXXXXXXX XXXX XXXX - XX/XX/XXXX ( reporting to XXXX, Transunion and XXXX ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to Transunion and XXXX ) XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX ( reporting to Transunion and XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX reporting to Transunion and XXXX ) XXXX XXXX XXXX  XX/XX/XXXX ( reporting to Transunion and XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXXXXXX XXXX  - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX - XX/XX/XXXX ( reporting to XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Inquiries 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 -USDOE/XXXX- XXXX -USDOE/XXXX- XXXX XXXX XXXX XXXX- reporting late paymentsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Truth in Lending Act The Fair Credit Reporting Act The Equal Credit Opportunity Act The Fair Credit Debt Collection Practices The Fair Credit Billing Act
Product: Bank account or service

Someone used my online account info through a wifi password while I was online during that time. However, I do not know this pert thought I met him through a third party ( friend ) after receiving and email of a mount taking I immediately file the dispute after given by the bank an email regarding he transfer I then knew who it was after given and providing a police report and name of person ( s ) the bank indicated it was a valid transaction and closed my account. They spoke to he merchant and the police ( allegedly ) reportedly by investigation. After I spoke with the police they indicated Amex XXXX did not speak to them. The bank refuses to disclose any other information and constantly hangs up on me after being angry. of course. They fabricated information it seems and they also did a poor job regarding investigation they no once spoke to me only to the pert and allegitlly the officer who took the report all calls are recorded via Amex. How did they concluded a fraudulent act and report and made their findings in 8 days when they never spoke to me and the same person that when I looked up his name that and email was attached to my account ledge from online he has done did more then XXXX person. This will be address by the courts if not by your investigators. They basically limited me on this case and did not secure my identity In fact the same person used what he retrieved on the data retrieval program on wifi from what wa given to me that he 's already access other assets of mine due to Amex XXXX lack of secure system. This will be consider security breach and as well fabricating infor to consumer regarding his rights by the law. I lost my job and have bills to pay due to heir lack of judgment on this case. Why did they call him and never spoke to me.
Product: Student loan

Navient keeps wanting me to apply for forbearance, will not stop harassing me over payments.
Product: Credit reporting or other personal consumer reports

Please review documents attached for complaints concerning my credit file.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I attempted to authenticate my Equifax account. Despite following all provided instructions, including submitting my drivers license and a photograph of myself, the authentication process failed. As a result, Equifax requested additional documents and information which I believe are unnecessary and burdensome, considering there is no suspicious activity on my account. 
I have spoken with two customer service representatives and a supervisor at Equifax to resolve this issue, but I have not received any assistance or satisfactory explanation for the authentication failure. Instead, they continue to insist on additional documentation, which includes information related to a credit report freeze. However, my credit report has not been frozen, and there is no relevant information or reason for Equifax to take such measures. 
Furthermore, Equifax refused to put in a work order for my account to resolve the issues with their online portal. This refusal has left me unable to access or manage my account, causing significant inconvenience and stress. 
I am concerned that Equifaxs handling of my account and their verification process may be violating my consumer rights. I am requesting the CFPB to investigate this matter and to assist in resolving my issue with Equifax promptly.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed several billing errors. These late payments dont align with my usual payment habits. Please fix these inaccuracies and update my account. Thank you!