23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I moved to DC for work for the better part of a year and foolishly neglected to cancel a subscription to a wine club, which charged me {$34.00} per month for XXXX bottles of wine, that I usually picked up in person from the retail location. Since it is in a suburb in which I don't live, I usually didn't go every month anyway, and they were OK with that, generally -- me picking up XXXX months at a time instead of every month. 

The store has now closed, however, even though they continue to send me e-mails ( as recently as 12 days ago ). I have tried repeatedly -- over the past XXXX years, probably a couple dozen times- to get in touch with the company, ranging from calling multiple listed phone numbers, to e-mail, to going to the physical location, to asking my friends and my wife to call them. For awhile, they were picking up the phone and saying they were open when they weren't. This ultimately wouldn't have been the end of the world, but I lost my job in the spring and was denied unemployment, so I am trying to cut back on spending on stuff like this. Especially when I don't even get the product I pay for. 

Of course, I requested that Discover Card dispute ALL of the transactions from the past 24 months, which they did, since I haven't picked up wine from them since early 2021. But they eventually found in favor of the merchant, because they said the merchant never responded to the claim, and that I had " failed to provide additional documentation. '' I never signed a contract or anything for this service, so the additional documentation that I would be required to provide is an insane notion. I have no clue what kind of documentation they'd want me to provide. If the merchant never responded, Discover 's position is that it's my word against their lack of a word, which suggests a unilateral siding with a party that appears to have reneged on a contractual agreement to provide a thing to me that they have failed to provide. This amounts to {$830.00} plus interest that I will NEVER see again. 

I have been robbed, and this company continues to enrich itself and its shareholders at the expense of my broke XXXX that can not afford groceries. 

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

TransUnion and XXXX credit companys have accounts not set up by me they was open under my info after loosing wallet with XXXX in it as well only account I have open for myself is any open credit card accounts XXXX XXXX  being one them but lot of inquirys and accounts claiming I owe money and I was not one that open those accounts stated I'm XXXX these companies both do nothing but come back from many dispute saying information is accurate info when I am victem of froudulant charges in my name I demand to get delete off my credit reports from both companies but they refuse to listen to me they are in violation of putting on my report these reported many times by myself they not open by myself they still not only keep on but violation of refreshing dates as well when disputed please have them both companies have these negative balance accounts deleted off my reports asap please and thank you XXXX XXXX ssc # XXXX birthday is XX/XX/90
Product: Credit reporting, credit repair services, or other personal consumer reports

The equifax data breach leaked my sensitive data that I believe equifax did n't do enough to protect and it 's insulting that they wo n't even let people freeze their credit for free. So far all that has been offered is 1 year of their own credit monitoring service which did not even catch the security breach.
Product: Student loan

I have three student loans through the XXXX program, provided by the Department of Education. My federal student loans service provider changed from XXXX to Mohela on Tuesday, XX/XX/2022. On that same date, my credit card was fraudulently charged {$340.00} by Mohela. I am on a REPAYE program but under the Biden Administration 's executive order, my student loan payments are {$0.00} until XX/XX/2022. Mohela fraudulently took {$340.00} without my consent. 
Additionally, I have been making qualified payments through the Public Service Loan Forgiveness for over a year. 
On XX/XX/2022 Mohela sent me mail stating that I have only made 4 qualifying payments. On XX/XX/2022 Mohela sent me mail stating that I actually only made 3 qualifying payments. In fact, I made 18 qualifying payments. They need to update their records to show that I have indeed made 18 qualifying payments.

I have attempted to contact Mohela several times and waited on hold for 3 hours, and have been unable to reach them. 
Thank you for your help in expediting this matter.
Product: Credit reporting or other personal consumer reports

I checked my credit report this evening and I'm still disappointed by it because the unauthorized inquiries are still there. I have no idea why those unauthorized inquiries are on my report but I want it gone so please check the documents I've sent.
Product: Credit reporting or other personal consumer reports

I contacted LVNV FUNDING LLC for 100 % VALIDATION and 100 % PROOF OF CLAIM and did not receive a response to the below listing on my credit report. 

LVNV FUNDING LLC Last reported XX/XX/2023 {$10000.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor
Product: Credit reporting or other personal consumer reports

In the course of reviewing my credit report, I spotted erroneous and unverified accounts that need reporting and correction through your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 4 collections on my credit report with Credit Systems Inc. I was told by the company that if i paid them that they would remove the collections from my credit report with the 3 credit bureaus. I have paid the collections and have repeatedly tried to get the company to remove the collections from my credit reports but have not been successful. I have also tried to get them removed by going directly to the credit bureaus with no success.
Product: Credit card

I filed a report regarding the stolen credit card issue Im experiencing with TD Bank in hopes of it being rectified and finally resolved. Instead I get nasty phone call from one of their employees reciting a script TD Bank gave her to read to me which made me ask inquire to her about what TD Bank is going to do differently around this time because youre repeating what was a said already and furthermore, where is the information regarding the transaction locations and times. The TD Bank employee on the phone then saysTD Bank is not going to do anything, Im just reading what they told me to say. So my next question was what was the point of this phone call because I thought TD was going to actively and throughly investigate the matter while working along side law enforcement. She then says that I never filed a police report thats why TD Bank denied the claim as well. I replied yes I did and I was on a three way call with the officer, detective and a customer rep from TD Bank. The TD Bank employee then says oh you did..well Im looking here and the actual reasoning for them not investigating is because I ( the customer ) have suspicion of who stole the credit card but police can not arrest someone based off suspicions, they need CONCRETE evidence which is why myself and the detective that spoke with the customer rep kept asking what was the times and addresses for these transactions and they would not provide it. The customer rep kept saying that TD Bank only can see the date but not the times, order of the transactions and merchant numbers. TD Bank is trying to stick me a card that I never received in the mail more used. Highly unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of this year I have been sending written correspondence to EQUIFAX regarding an inaccurate account that is being reported to my credit report. There is a XXXX XXXX XXXX  that belonged to my wife, which was settled and no longer reports to her credit profile but still shows on my EQUIFAX credit report as an authorized user and the closed account is showing as DEROGATORY. I have requested in writing for proof of the account 's status and any records to support why EQUIFAX would have it listed on my report, but still have not received ANY correspondence back from EQUIFAX. I have tried to be patient and understanding, considering the fact that EQUIFAX has been under scrutiny and Federal investigation for false reporting. Unfortunately, I do not believe EQUIFAX has any plans to help resolve this matter. So here I am XXXX XXXX later seeking clarity and support to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I found that I was a victim of identify theft when I was displaced from my job and had to file for unemployment. EDD notified me that someone from XXXX CA had filed for unemployment twice during the pandemic. At that time I contacted all three of the Credit Bureaus to place a freeze on my credit. Yesterday I received two letters from XXXX XXXX that my application had been successfully withdrawn. I contacted XXXX to find out that two applications were withdrawn and one was pending. Non of these had I applied for. I tried to sign into my Experian account and the system would not let me, I choose forgot my password and saw that Experian was sending a reset to a email address that was not mine. I immediately called Experian to find that someone was able to remove the freeze I had placed, change my user name and email address. They informed me that there were five Experian accounts in my name with only one that was active. Not a user name I had set up. I can only imagine that this person could run my Experian credit report and have all of my credit information. Please advise what should be my next steps. Thanks, XXXX XXXX e-mail= XXXX XXXX
Product: Credit reporting or other personal consumer reports

Identity Theft and Non-Removal of Disputed Items from Credit Report Dear CFPB, I am writing to formally request your assistance in resolving an ongoing issue related to identity theft that has severely impacted my credit report. My identity was stolen in connection with the XXXX  XXXX data breach, during which sensitive personal information was exposed to unauthorized individuals. As a result, numerous accounts and inquiries that I did not authorize have appeared on my credit reports with the three major credit reporting agencies : XXXX, XXXX, and TransUnion. 

Despite my diligent efforts to dispute these items with the credit reporting agencies under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ), the agencies have failed to remove the fraudulent items. I have explained that these accounts do not belong to me. 

Summary of Key Issues : XXXX. Fraudulent Accounts : My credit reports list several accounts and inquiries that I did not open or authorize. 
XXXX. Disputed Items Ignored : Despite my repeated disputes, the reporting agencies have failed to conduct a proper investigation as required under 15 U.S.C. 1681i ( a ).

3. Failure to Comply with FTC Identity Theft Protections : I have submitted FTC identity theft reports and requested that the agencies block or suppress fraudulent items under 15 U.S.C. 1681c-2 ( a ). The agencies have not adhered to these protections.

This situation has caused significant financial harm and emotional distress, as these inaccuracies have resulted in reduced creditworthiness and difficulty securing basic financial services. 

Request for CFPB Intervention : I am seeking the CFPBs intervention to : XXXX. Ensure that the credit reporting agencies comply with the provisions of the FCRA by thoroughly investigating my disputes and removing the fraudulent items. 
XXXX. Verify that the credit reporting agencies have implemented identity theft protections as required under the FCRA and FTC guidance. 
XXXX. Hold the credit reporting agencies accountable for their noncompliance and failure to address my identity theft claims adequately. 

Supporting Documentation : I have attached the following to support my case : XXXX. Copies of my disputes submitted to the credit reporting agencies. 
XXXX. XXXX email stating that my information was infact exposed in the data breach XXXX. Correspondence showing my attempts to resolve these issues. 
XXXX. Copies of my credit reports highlighting the fraudulent items. 

This matter is urgent, as the unresolved inaccuracies on my credit report continue to cause substantial harm. I trust that the CFPB will advocate for my rights and help bring resolution to this matter. 

Thank you for your attention and assistance. Please feel free to contact me directly if additional information or documentation is needed.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Hello ; I have been working diligently to improve my credit rating the last 2 years since I am one who likes to pay cash for everything cash. I realize in order to buy a home, I need open credit lines in good standing. I have opened a few credit accounts recently ( XXXX ) and have a spotless pay history with all of these accounts. My credit score has been reflecting a favorable number due to my positive efforts and managing my accounts. Just today, I get an alert from my XXXX XXXX XXXX XXXX letting me know of a change to my credit score and when I looked, there was suddenly some " XXXX '' company that popped up with a {$560.00} derogatory account ( out of nowhere ). I do not know who XXXX is and I do not have any delinquent or derogatory accounts with anyone in at least 7-8 years. How do I get this off my report? My score dropped XXXX points because of that fictitious entry on my bureau. VERY FRUSTRATING when you have done EVERYTHING right for 2 years and have made a serious effort to improve your rating only to have some XXXX company put some XXXX on your credit report. My credit score took a XXXX point hit and have n't done a thing to incur this. In fact, I make multiple payments monthly on all my accounts to gain a better rating and then this XXXX blind sides me today. Come on! PLEASE help. THANK YOU VERY MUCH!
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 USC 1681.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Product: Checking or savings account

I have never opened bank accounts with these institutions. I am requesting the accounts to be DELETED from my early warning consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information on my credit report. I contacted the creditors and credit bureaus and they have not responded within the 30 day time period.
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has falsely reported this on my credit file for a year-and-a-half to two years now and I never had such account with this place claimin I owe a debt please ask for any signed documents that where signed or veribly agreed by me any form or fashion and I will pay this debt in full please verify my signature to this false debt that I never had any knowledge of or utilized any benefits or service from the company that claims I owe this debt thank u for any assistance with this matter
Product: Credit card or prepaid card

I have perfect credit ( attached a copy of their own furnished report ) and use my card and make 1000s of  dollars in payment each month to my card. I've asked Capital One to increase my limit multiple times and they refuse to refuse my financial information but rather point me to an online system that continues to deny my request with unclear reasons ( as attached ). 

I am financially capable of making whatever I charge in a month and have exhibited that with my credit card and others. I'm against opening another line of credit as that could impact my credit age. Attempts to get Capital One to understand that their system gives me errors has gone unanswered.
Product: Credit card

I have a credit card with cap one. I try to pay my bill every month on time but they do not allow me to pay with my debit card until the payment is late, then the debit card option is available but by that time i have incurred late fees. It seems to me they limit payment options to make your payment late and then in turn collecting late fees every month.
Product: Mortgage

On XXXX we received a paper letter stating our mortgage was in collections so we immediately called the company. We were concerned because we had made our payment on time and in full. They told us that our escrow had started up and we hadnt made the right payment amount therefore it went into collections. We never received any communication on our payment going up and when it would. So we called immediately and made the payment. We kept watching our account and it never debited. Then received a phone call yesterday, we called back and they informed us that the payment didnt go through. They listened to the recorded call and learned that their representative typed in our account numbers incorrectly. This company has made so many mistakes since we started using them. Their customer service is horrible
Product: Checking or savings account

Please note this is not a duplicate complaint. I want to add some more facts that I recently discovered after getting the response from Penfed where they advised me to contact the NJ Unclaimed Property Administration department. I have contacted that department numerous times and adding those facts. 

Here is what they stated/advised in their response and the facts that totally contradict that. 

First, they state that " The balance in the account at that time was {$5.00} and we initiated a withdrawal as unclaimed property to the state of New Jersey. '' So far even after numerous calls and complaints they have not provided any proof that they did that. This is the link for searching unclaimed funds on NJ state 's website and nothing has sowed up there so far. XXXX XXXX XXXX The phone number for the Unclaimed Property Administration department is XXXX and I have called them multiple times and they have assured me that nothing was transferred from Penfed to them. My last call with them was about an hour and the lady assured me that there is nothing from Penfed and the only way they can investigate firther is if Penfed provides some proof that they actually transferred something to satate of NJ. 

Second, they state that " Our representative assisted you in reviewing the New Jersey website which indicated they did not display property under {$10.00}, and advised you to call the state of New Jersey directly for further assistance ''. This is a flat out lie as there is no such thing on this website that says that funds under {$10.00} are not displayed. I have called this department at XXXX numerous times and they have assured me that there is no such limitation. So seems like Penfed is adding to the lies to cover for the lies that they have already told.

Thirdly, they state that " You initially established membership with PenFed in XXXX  and maintained a regular share account with a small balance and a credit card. '' I did not even want to open a bank account. Penfed forced me to open an account to get the credit card. I have never had any activity in that account and it stayed open for years. I logged into the website every few months so they are lying when they state that they had no contact with me. They had all my current and correct details including my phone number, email address and mailing address but made no attempt to contact me before stealing my funds. They even lied to me on the phone when they said that a letter was sent to me about my account closure. At least they are now finally admitting that they lied about that.