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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each XXXX  transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX
Product: Credit reporting

I recently made a complaint to cfbt and was unable to login to see the response from the credit agency. However, Since then, the agency has taken steps to even further damage my credit score. I have done everything in my power to correct my past mistakes and continue to build a respectable history. I feel as though this agency, Transunion and its employees or reps are incorrectly reporting and I would go as far to say taking retaliatory actions on my report as they have once again lowered my score by XXXX points. My score now is even lower than it was when I initially began to attempt any corrections last year. I have retained a malpractice attorney and we are in process of a civil suit. I 'm not certain as to what this site does to attempt to help and protect the consumer because nothing positive has happened since I have taken the time to reach out for assistance. I am writing once again to make certain I have record of every single action this agency has taken as well as snap shots of every time this agency has negatively impacted my credit with no cause. Every action all showing the same drop in score from XXXX points per change. Please note once again that I have increased by credit line, paid all payments on time the last 9 months, paid off XXXX debt collection ( I have XXXX at the moment. ) All of these positive steps I have taken Clearly should have increase my score, it is plain as day to see it is retaliatory action.
Product: Credit reporting or other personal consumer reports

These XXXX accounts below have been charged off on my credit file. All of them are reporting inaccurately. I've requested a XXXX XXXX since XXXX of XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX These XXXX accounts below are closed accounts showing late payments that are negatively affecting my credit file. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX Also, I've attempted to dispute some hard inquiries that I did not make. They should be removed immediately. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX I am writing to formally dispute the inaccurate information currently being reported on my credit file, pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act. Specifically, the information reported under is both incorrect and damaging to my credit profile.

As required under the Fair Credit Reporting Act, I am notifying you of this discrepancy and demand that you investigate the information and rectify the errors immediately. You are legally obligated to conduct a reasonable investigation of the disputed information within 30 days of receipt of this notice, as per the requirements of 15 U.S.C. 1681i ( a ).
Product: Credit reporting or other personal consumer reports

Filed several disputes with XXXX, XXXX, and Experian, in a span of 6 months only to be told the information is accurate and will remain on my credit report. I also asked for debt validation under 15 USC 1692G : - [ ] Full detail list of payments - [ ] Insurance claim filed - [ ] Original signature that I agreed to - [ ] Chain of title that you have to collect this debt
Product: Payday loan, title loan, personal loan, or advance loan

This company is trying to sue me over a debt thats more than XXXX XXXX XXXX also I have not been notified by the company directly nor have I been served. I have received letters from law offices but not directly from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has information to verified my identity incorrect. The information is incorrect when I try to dispute inaccurate information on my Equifax online account to verify me my identity. Equifax is also is reporting incorrect information to XXXX  XXXX XXXX XXXX as well. When I try to obtain my annual credit report I can not access my report because the information is wrong regarding me. I can not access my credit report because none of the verification questions belongs or pertains to me at all. I have include with this complaint a list of Equifax verification questions for me to access or dispute my credit report, and not one of the questions are related to me at all. I have contacted Equifax several time over the past 8 months to resolve this issue, and these issues are still not resolved reporting incorrect information verify my Identity. I have sent Equifax my ID, social security card, and mail of my bills that show my mailing address, and the information is still incorrect. This has caused me problems with obtaining credit cards and so forth. There is also a company XXXX XXXX XXXX for {$120.00} delinquent bill that is also not my account as well. 

I will also provide documents of my decease wife who also has incorrect information being reported by Equifax that do not and never belonged to my decease wife when she was alive. This again is being reported by Equifax as well. In the documents I will provide none of the verification questions belongs to her as well. My wife has been deceased since 2004.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX Filing # : XXXX Subject : DEMAND for Immediate Removal of Charge-Off Accounts and Bankruptcy Reporting Complaint Details : I am filing this complaint regarding the unlawful and inaccurate reporting of charge-off accounts and bankruptcy on my credit reports. These actions are in direct violation of consumer protection laws and IRS regulations, and they infringe upon my rights as a consumer and a secured party. 

Charge-Off Accounts : Under IRS regulations XXXX charge-off amounts are classified as income and not as outstanding debt. Reporting these accounts on my credit report is deceptive, misleading, and a blatant violation of the Fair Credit Reporting Act ( FCRA ). Once a debt is charged off and reported as income for tax purposes, it is considered satisfied. Continuing to report these accounts as derogatory entries on my credit report is illegal and has caused undue harm to my financial standing. 

Bankruptcy Reporting : I did not provide consent for any bankruptcy to be reported on my credit report. This reporting constitutes a violation of my rights under consumer protection laws. The unauthorized reporting of this information is defamatory and damaging to my financial reputation. 

Resolution Demanded : To resolve this matter, I demand the following actions : Immediate and permanent removal of all charge-off accounts from my credit report. These accounts are improperly reported as debts when they are considered income by the IRS.

Immediate and permanent removal of any bankruptcy information reported without my explicit consent.

Written confirmation from the credit reporting agencies and the creditors involved that my credit reports have been corrected and brought into full compliance with the law. 
Failure to address these issues promptly and in compliance with the law will leave me no choice but to escalate this matter further. I will file additional complaints with the Federal Trade Commission ( FTC ), state attorneys general, and other regulatory bodies, and pursue legal action if necessary. 

This matter requires your immediate attention. I expect a full response and resolution within 30 DAYS Thank you for addressing this serious issue promptly and ensuring compliance with all applicable laws. 

Sincerely, XXXX XXXX
Product: Debt collection

Originally this issue was my mistake. I submitted my payment in full to Barclay through a bill pay system. However, I accidentally sent it to an old credit card account instead of the proper XXXX account. I have been calling this bank sine XX/XX/XXXX to get the monies moved to the correct account. Representatives have told me it will be finalized on XX/XX/XXXX and XX/XX/XXXX both of those dates have been missed. I get zero communication from them as to why and have to wait through long phone calls on hold to get anyone that knows even that this problem exists. I would like to just get the money that has been taken from my bank account applied to the correct account and the interest and late fee charges reversed.
Product: Credit reporting or other personal consumer reports

I have the right to privacy as a federally protected consumer. I do not consent to E-Oscar verification.

18 USC 1028 ( a ) - Aggravated Identity theft ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

How is XXXX reporting my information when there is no contractual obligation between me and XXXX? My information should be protected against any breaches. XXXX please show me the law that shows you must report anything to a person 's consumer report.

The law says you MAY report and the consumer must give permission.

15 USC 6801- Protection of Non-public personnel information. The law says that it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non-public personal information.

15 USC 16802 obligation with respect to disclosures of personal information. 15 USC 16802 ( b ) Opt-out - A financial institution may not report Non- Public personal information to an non-affiliated third party
unless there was 3 disclosures sent to me before the information can be exchanged and the consumer must agree to it. 

so XXXX what do i need to do so that my information does not get reported. 

15 USC 1692 CC in writing a consumer can refuse to pay a debt collector.

15 USC 1681 ( b ) 2 permissible purpose - There must be one permission written consent from the consumer and they must have a legitimate business reason or government/ court order but without those, they can not pull the consumer report. the law clearly states " A person may furnish in accordance with the written instructions of the consumer to whom it relates.

If consumer reporting agencies can not share information without written permission, so how did XXXX XXXX and XXXX XXXX get my information? Also when they got it, who gave them permission to share it with a consumer reporting agency?

Identity Theft 15 USC 1681 Q - obtaining information under false pretense Any corporation who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretense shall be fined based on title 18.

18 USC 1028 ( a ) - Aggravated Identity theft ( a ) Offenses. 
( XXXX ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a hard inquiry from MPower that I didn't request.
Product: Debt collection

XX/XX/year> Sun Rise collection reported on my XXXX and XXXX reports. I never received any notification or communication that this company was claiming I owe a debt. They just reported to my credit report. I have no knowledge of this company nor did I initiate a transaction with them. They are in a number of violations. 605b, 18 U.S.C. 51028A, FDCPA 15 USC 1592 ( g ), 15 U.S.C $ 1681b ( a ) 3 ( f ) ( i ), 15 U.S.C. $ 1681n ( a )
Product: Credit card or prepaid card

My name is XXXX XXXX. I use Citi credit card. In XXXX, XXXX, XXXX, all my statements are correct. In XXXX XXXX, the Statement said I have re-owned the company {$380.00}. I have called the credit card company, and they said they have re-sent that amount of money twice. I said I only got the money which should belong to my CitiBank debit card, which is {$380.00}. The Citi credit card company said I should go to the CitiBank directly to check it out. I have gone to CitiBank for three times, and they said the money which I used to pay the credit card is not responsible to the CitiBank, and they said I should talk to the credit card company instead. The Citi credit card company said it is not their responsibility even if I have called them for 7-8 times. 
Right now I am confused, and nothing I could do but ask the FDIC to see whether you could help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the market to refinance my mortgage. I authorized XXXX XXXX to pull a hard inquiry on my credit on XX/XX/XXXX. I have learned upon reviewing the credit reporting agencies reporting that several creditors that I have no accounts with have entered numerous inquiries to my credit report around that time without my authorization. I made it clear that I was shopping rates and that I absolutely did not want me credit to be run multiple times if a potential creditor could not beat the offer I was given by XXXX XXXX. The amount of inquiries for speaking to only 3 lenders and only aggreing to allow my credit report to be pulled by only XXXX XXXX to my understanding is alarming. 

The creditors that have non account holding inquiries are the following. 

1 ) XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX ( ( TWICE ) XX/XX/XXXX& XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 3 ) XXXX XXXX XXXX ( 4 TIMES ) XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Mortgage

I was previously delinquent on my mortgage with XXXX XXXX mortgage company. 
I entered a loan modification agreement with XXXX XXXX and made all 4 on-time trial payments from XX/XX/XXXX to 1XX/XX/XXXX. I made an on-time payment in XX/XX/XXXX as well. On XX/XX/XXXX the mortgage servicer was changed to Midland Mortgage and I have continued making on-time payments to Midland Mortgage. I have called Midland Mortgage each month to make a payment and ask them if they have my loan modification paperwork. Midland says that they have received my payments and that they have not yet processed my loan modification paperwork. It has been over 60 days since Midland Mortgage has begun servicing my mortgage. The current Midland Mortgage Statement says that the amount due as of XX/XX/XXXX is {$8600.00}. There are {$6700.00} in overdue payments and {$730.00} in fees and charges. My loan modification says that my monthly payment should be {$750.00} principal and interest as of XX/XX/XXXX. The principal and interest on the Midland Mortgage statement shows {$860.00} which is {$100.00} than I should be charged. I am paying what they ask because I don't want them to take my house. I am also concerned about delinquent payments showing on my statement when I should be starting fresh with only my agreed loan modification payments on my statement and no late fees or previous past due payments. I would like to complain against both Midland Mortgage and XXXX XXXX and request that this situation be fixed immediately. I kept all documentation which includes the current Midland Mortgage Statement, a payment history from XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, a good-bye letter from XXXX XXXX showing that the servicer changed to Midland Mortgage on XX/XX/XXXX and the signed & notarized loan modification agreement.
Product: Checking or savings account

I disputed a charge on my debit card that occurred in XXXX, XXXX on XX/XX/22. I began my dispute process on XX/XX/22. The only way I could send my supporting documents to them was by fax. I faxed them my supporting documents and they said they never got them. They closed my dispute without reviewing any of my supporting documents. Then I went to my personal banker and asked her to help me so I had a witness to the documents that were being sent in. And again Wells Fargo Card Claim department said they didn't receive the fax. They closed the case and took the money out of my account again while I was out of State and they left me stranded with no money and without receipt of notification that they again closed the case without reviewing any of my supporting documents. I then started a 3rd case and this time I could email the supporting documents, which I did immediately. I just received notification that " too much time has passed '' and they won't reconsider my dispute, and I will have to contact the merchant directly. The merchant in this case is XXXX XXXX and they are connected to a cartel in XXXX and Wells Fargo is telling me that I need to contact them myself to get the matter resolved. This is dangerous!!! I was not provided ANY opportunity to have my supporting documents reviewed by Wells Fargo! It is wrong that they promise fraud protection when they don't review the documentation from the customer they promise to protect. They are supposed to protect the customer, not the fraudulent merchant! Customers of Wells Fargo Visa Debit Cards should know that Wells Fargo has poor dispute resolution practices. They will not review your documents and they will ask you to reach out to the merchant yourself, no matter how dangerous that is. This is wrong!
Product: Debt collection

I spoke with a representative at TSI ( 2x 's ) who assured me that if I paid my settlement amount, my credit report would reflect as Satisfied in Full on my credit report ( for a settlement payment confirmed of {$5900.00} ). 

Hence, I took the settlement offer, understanding that my credit would read " Satisfied in Full. '' I checked my credit today and noticed they placed under status and comments " Account legally paid in full for less than the full balance. '' This is not what was discussed, and if I had known I had the option to pay in fullto reflect a more positive outcomeI would have taken that option. 

However, the representative falsely informed me of how this payment would reflect on my credit report and accepted my payment, knowing that I had a 2nd option to pay in full that would reflect differently in my report. 

She lied about the Satisfied in Full and misled me into paying, not explaining what additional comments would be placed on my account. " Less than the full balance '' is a comment I want removed from my credit report.
Product: Student loan

In the Fall of XXXX, I applied online for the SAVE plan. I was shown that I qualified for the payment plan and that my payment would be around {$110.00}. 

I then recieved a bill for {$310.00} on XX/XX/XXXX. 

I called Aidvantage, my servicer, on XX/XX/XXXX to find out why the payment was so high. I spoke XXXX XXXX ID XXXX. I told them I that I applied for the SAVE program and instead I now have a {$310.00} payment. The agent said I was put on the pay as you earn plan, not the SAVE plan. She then rechecked my info, said I do qualify for the SAVE plan and she resubmitted my information for the SAVE plan and said it would be all set.

I told her I already applied for the SAVE and asked if this mistake could happen again, and she assured me that I would be put in the SAVE plan correctly this time. 

I then received another bill for XXXX on XX/XX/XXXX. I called immediately and spoke with XXXX ID XXXX. I was told the same thing happened again and that I was put on the IDR plan instead of the SAVE plan. She opened an investigation and submitted a case. She also put a pause on my payments while they figured out what was going on. 

I asked her if I would hear from someone after the investigation was completed and she said yes. 

I received zero communication, no emails, letters or calls about the investigation. Instead I received a bill on XX/XX/XXXX for {$610.00}. 

I called AGAIN. I spoke with a third agent, who would not provide their Agent ID - but provided their name, which I will exclude here for privacy, but I can provide it upon request. She said my account was delinquent. I said how can it be deliquent when the previous agent told me that she was pausing my payments while they figured out why my account wasn't being put into the correct payment plan? 

This agent told me she could see the investigation report submitted on XX/XX/XXXX and that it was supposed to be escalated. She could see " action '' was taken, but couldn't see any other information on what that action was or any communications about it to me. 

She put me on hold and came back and told me that I needed to submit an application online to be changed into the SAVE plan. I told her that I already had done that. I said I can keep doing that but it doesn't seem to be making a difference. 

She then resubmitted the case and I said I would be submitted a complaint to the CFPB. 

This has now been going on for 6 months. Aidvantage has proven to be absolutely incapable of fair treatment to me as a borrower. There has been a complete lack of communication for 6 months, and they have left me unable to both afford and actually pay my student loan bills, and unable to take advantage of the SAVE payment plan created by the Biden administration. Aidvantage has done nothing right, but keeps sending me bills for an amount I can't afford - and keeps telling me I qualify for the lower payment, but can't set it up properly and can't communicate with me about it.