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

I am a Fraud victim and I have multiple Discrepancies on my credit profile.I have been disputing XXXXXXXX XXXX for years Now. I have no knowledge of this {$3300.00} account. I offered to pay it off for removal of my credit but they wont agree to it. This fraudulent item in my account is hurting me from becoming a officer of the law. I have a fraudulent freeze on my credit because my social security number has been compromised. Is there anyway I can please have my credit file revised. I also have a late payment recorded from XXXX XXXX that was a mistake on their end. I have reached out to them multiple times to correct this but they will not grant a goodwill adjustment. If my file was looked at in 5 years I have never missed one payment except the one XXXX has mistaking lot recorded.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I submitted a complaint to CFPB regarding the servicing of my mortgage. The company ( XXXX ) had incorrectly reported my mortgage account as 30 days late to the credit bureaus. Last year, XXXX my previous mortgage company sold my mortgage and the servicing of the mortgage to XXXX. Because I was out of the country, I missed the notification of the change and continued to pay XXXX for two months after the mortgage had been sold. When I returned from my trip and realized my mistake, I immediately called XXXX to explain the situation. I explained that I was in the process of trying to get the mistaken payment reimbursed from XXXX. I immediately paid the XX/XX/XXXX bill but could not afford to pay the XX/XX/XXXX bill without first getting reimbursement from XXXX. Nonetheless and despite my explanation to XXXX, it reported me as 30 days late on my XX/XX/XXXX payment. In XX/XX/XXXX I filed a complaint with the CFPD against XXXX. By letter dated XX/XX/2019 ( attached ), XXXX denied that it made a mistake but nonetheless agreed to change its report to the credit agencies as " current, pays as agreed. '' The letter said to allow 45 days for the credit agencies to update their records. Since that time, most of the credit agencies have updated the reporting of my loan. However, one agency Equifax has not made the change and contunes to report me as 30 days late on my home loan. Equifax says that XXXX has been unresponsive to its requests for the information so that it can confirm that the delinquencies have been removed. XXXX has not responded to my request for assistance. I have called XXXX XXXX who wrote the XX/XX/XXXX letter on behalf of XXXX multiple times. Despite multiple calls and messages explaining the situation, neither XXXX nor anyone else at XXXX has returned my calls.
Product: Student loan

XXXX ripped me off. The made me believe that my total debt for the school loan would be {$40000.00}. Considering that I earned an XXXX and a XXXX XXXX that I owed less than {$17000.00} on, I thought that the {$40000.00} would not be bad due to the fact that I did not have excessive student loan debt. As a single woman and a XXXX I strongly considered the loan amount/debt. XXXX continued to encourage me to take out loans and they took forever to get through the dissertation process. This school is a money pit. The closer I got to depletion my funds for a loan the school decided to concoct a story staing that I had plagerised. I was near the end of the program. Why would I purposely do such a thing? I would not. I went to a hearing to let the school know that I was ill and had been in the emergency room the week of the XXXX Exam ( which is what they said I cheated on ). I showed them the documentation. According to my credit report my student loan balance is over {$400000.00}. As a single XXXX I would never put myself in harms way like this. This student loan debt on my credit report is preventing me from living. I am unable to secure a loan for a home or car. It ; s stopped me from doing many things. To make matters worse, I did not even attain a degree from this school. XXXX XXXX robbed me and I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

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: Credit card

I am enclosing the documents for your reference. I request that the bureau begins an investigation into these accounts, as they consistently show no late payments, contrary to the reported information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion on XX/XX/2017 regarding some information on my report that does not belong to me. I requested that they provide me with verifiable documentation that this information belonged to me. Futhermore I explained to them that my information was being used by a family member. The letter they returned to me explained their investigation process but no proof that the information belonged to me or why they have not acted on my claims of identity theft which has been documented time and time again.
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I just see my credit report and found a fraud car loan opened on my name without my knowledge. I have been in the hospital sick and people stole my identity to commit fraud. This fraud car loan was not authorized or sign by me and shall delete from my credit report.
Product: Credit reporting or other personal consumer reports

I do not own this card. I did not apply for this card. When I receive this card in the mail back in XX/XX/year>, I immediately called XXXXXXXX XXXX XXXX and told them to cancel it because I did not request it. Ive called them four times after. XXXX XXXX, twice in XXXX and XXXX. They finally closed it in XXXX. However, theyre charging me for an annual fee even though I never used the card. I never apply for the card. XXXX XXXX XXXX  advised me that I had to fill out an affidavit stating that the credit was not mine so I did, but they are still reporting this credit on my credit reports. I am now being reported as being XXXX + days late for a card I never activated. I am trying to buy a house and this has caused me great issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

late payment wasnt suppose to be reported due to calling Honda financial telling them about my financial hardship
Product: Debt collection

I disputed an account ( VANCE AND HAUFFMAN LLC ) in the amount of {$690.00} in which was removed from my credit. They put it back on my credit after it was once taken off.
Product: Student loan

On XX/XX/XXXX my husband received a student loan from New York XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX the amount was {$2500.00}, now with interest the balance is {$14000.00} through Nelnet.. 
My husband NEVER had the ability to benefit. He was kicked out of school at age XXXX with a XXXX grade average. 
I have supplied school records, discharge request to XXXX twice already. The only response they return to us is that if this was only be considered if it happened after XX/XX/XXXX. 
My husband is illiterate does not understand reading, writing, math etc. 
To me this is a predatory loan at it's worst.. 
Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, Transunion breach and the black market, I need these to be removed.
Product: Credit reporting or other personal consumer reports

I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX Bank XXXX
Product: Payday loan, title loan, or personal loan

Company refused my SCRA request under Louisiana State Law RS 29:312. Military Contract and Proof of Home Of record was mailed to company and still refused to comply with State Law.
Product: Checking or savings account

I opened a checking acct at Wells Fargo Bank, XXXX, XXXX XXXX XXXX. I was referred to the XXXX branch after my online attempt to open a checking account did not process correctly. 

There was a BONUS OFFER of {$300.00} to open a checking account. I received a BONUS OFFER CODE : XXXX. 

I informed the branch banker of the BONUS CODE, the BONUS CODE was not applied to my opening account paperwork. 

Two days later, I spoke with the branch manager regarding the personal banker not applying the BONUS CODE during the opening account process. 

I provided the Branch Manager with the BONUS CODE. The Branch Manager wrote an email to the escalations dept requesting the BONUS CODE to be applied to my account.

I am now being told by Wells Fargo that they have never received the email from the branch manager ; that no one was ever provided with the BONUS CODE ; that I am not going to receive the BONUS CODE. 

I want my promised BONUS CODE of {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to information on my credit report. First of all my personal information is incorrect. My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX Apt XXXX XXXX, GA XXXX. Please delete the name " XXXX XXXX XXXX '' and the addresses " XXXX XXXX XXXX XXXX, OH, XXXX '' and " XXXX XXXX XXXX XXXX, OH XXXX '' in order to prevent identity theft and further damage to my credit report and financial reputation as this is adverse action. Also. I have never been late on the XXXX XXXX account ( # XXXX ) Please update this account to paid as agreed. The account XXXX XXXX is a charged off account. The company filed a XXXX cancelation of debt with the IRS which means the account is gross income and not debt. INCOME IS NOT INCLUDED ON MY CREDIT REPORT. The account XXXX XXXX XXXX ( # XXXX ) is inaccurate. I was never late on this account. Please update to paid as agreed. The account XXXX XXXX XXXX ( # XXXX ) was included in a bankruptcy that I filed. It should not be present on my credit report. Please delete this account from my consumer report immediately. The account DEPT OF EDXXXX ( # XXXX ) is incorrect. There are many missing reporting dates in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This is not up to date with XXXX XXXX standards for accurate reporting. I was never late with this account in XXXX, XXXX, XXXX, and XXXX of XXXX. Please update this account to paid as agreed. Lastly, the inquiries Resident Verify, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are fraudulent inquiries and need to be removed immediately. I am aware that my consumer report must be accurate and your failure to properly report my information is a criminal offense. It is extortion to know that there is no money in circulation due to the Emergency Banking Act and 18 USC 8 that states all debts are obligations of the United States and still report these accounts to my credit report. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 4 years I have asked Experian for a copy of the permissible permission used by XXXX XXXX XXXX XXXX to access my credit report. I receive the same duplicate replies You are requesting Experian provide you a copy of the permissible purpose. At your request to conduct a reinvestigation, we contacted the data furnisher for the account you mention and asked them to verify the accuracy of the information with which you disagree. They responded and they updated aspects of the account. The result summary was sent to you on XX/XX/2021 for review. 
3 Problems with Experians reply. 1 ) I have yet to receive a copy of the permissible permission. 2 ) I have yet to receive summary of any updates from data furnisher. 3 ) Sending to XXXX XXXX XXXX XXXX is Experian passing the buck because XXXX XXXX XXXX XXXX just denies everything and calls everything duplicate complaint
Product: Credit reporting or other personal consumer reports

My credit report shows a credit inquiry and account open with SPRINGLIGHT FINANCIAL, which I did not authorize, and I never opened an account with them. This is affecting my credit, and I need it removed and cleared from my credit report, as I consider this to be a fraud. It is also preventing me from purchasing a vehicle. Please send me confirmation as soon as this is corrected, and I need an explanation in writing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 is another COMPLAINT to notify you of unknown record on my file. When I reviewed my credit report, I was confused by unknown information appearing on it. It is very important to keep an accurate credit file. There is BANKRUPTCY that was NOT MINE.. I contacted the Florida XXXX Bankruptcy Court located at XXXX XXXX XXXX United States Courthouse, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX Phone number was XXXX regarding this matter. The court has DISCHARGED this Bankruptcy because I was not the one that filed this public record. Please remove this bankruptcy from my credit report now! This has caused me nothing but trouble! Thank you. 
Bankruptcy XXXX  XXXXdischarged US BKPT CT FL XXXX Filed on XX/XX/2021 Reference number : XXXX ; Discharged XXXX : Bankruptcy Filed on XX/XX/2021 Reference number : XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Filed on XX/XX/2021 Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX, Bank of America, and XXXX XXXX XXXX XXXX. The Account Opened is XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 16811 - XXXX, TRANSUNION AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS AND DELETE UNKNOWN INQURIES- VIOLATIONS OF THE FAIR CREDIT ACT
Product: Credit reporting or other personal consumer reports

I paid my XX/XX/year> payment on XX/XX/XXXX. XXXX XXXX stated it came in after cut off time and they reported my account to the bureaus as 30 days past due as of XX/XX/year>. 
Payment was processed and posted to the account on the same day. 
Immediately after that they kept stating to the bureaus that my account was still past due 30 days. I contacted them- they confirmed that account was only due for XXXX and it is NOT 30 days past due anymore. They sent me printout to prove that. 
Nevertheless, Experian and two other agencies did not change or updated their ranking of this account. 
On the top of everything both XXXX and Experian completely ignored uploaded proof and continued report incorrect information. Experian is even showing its 30 days past due for XXXX now too. Which is COMPLETELY WRONG!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When Covid-19 started my account was current. I tried numerous times to work with XXXX XXXX, called 7 times they told me they had no program for COVID-19. Every time I called they kept increasing the payoff. Then they reported negative delinquent to Experian. This is illegal during COVID-19 They cant report anything different until 120 after COVID-19 ends. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I paid on my loan for 10 years. I learned about the loan forgiveness and switched to this plan. I was informed that they prior 10 years would not satisfy the plan since I was not officially on the plan. Thus, I changed to the loan forgiveness plan. 
As I was beginning to monitor the 10 years to repay, I noticed that there was nowhere to see the end date of the loan forgiveness plan. XXXX XXXX told me the years I had paid since XXXX were not being counted toward the terms of the loan forgiveness. To date, I still have not had this reviewed and an answer provided as to why my payments since XXXX have not been added to the 10 year forgiveness plan. 
When I re-applied this year ( IBR ), my payment increased due to my income. I stated that I needed a lower payment and I was told I had to resubmit my application. This was resubmitted. Since XX/XX/XXXX I have not had resolution, continue to get emails stating the I am overdue on payment. I have documented all phone conversations and submitted these conversations in writing to my account under 'uploads '. I am told I do not need to make any payment and that the issue is going to be resolved within 24-28 of today ( XXXX/XXXX/XXXX ). At this point, I want these 2 issues resolved and my account brought current.
Product: Credit card or prepaid card

I made a purchase on XXXX on XX/XX/2023 for XXXX. The purchase was cancelled and refunded immediately ( within the hour ) by XXXX due to a booking error. Cash App is refusing to release the funds blaming it on the merchant. They requested documentation to prove the cancelation and I provided the official documentation recieved by XXXX showing the date, charged amount, the refund, and {$0.00} balance due. Cash App still insists their is nothing they can do and insinuates the refund is unknown to them amd that I must wait on the merchant, XXXX, to resolve it but XXXX has advised they have already processed the refund and that Cashapp should have released it already. Ive never had to go through this with Cash App before and have never had any chargebacks or an other irregular activity on my account so I dont understand why they are holding my funds. I would like someone to look into my account and resolve this issue please.