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

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, which is what Equifax did as you had no CONTRACT or PERMISSION to report, share, trade, my information. 15 USC 1681 Section 602-604 You can not violate my privacy without my written consent which was never given. FRCA Section 605- According to the Fair Credit Reporting Act ( FCRA ) Section 605 B. It is illegal to report information on my credit report without my permission. 15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) Under the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which you have violated my rights to privacy as a consumer. NO CONSENT IS IDENTITY THEFT.
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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/year> Balance : {$15000.00} Charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my accounts were properly investigated, but how is this possible if the open date is inaccurate, the date last active is inaccurate, the amounts are different. These are grounds for removal they also violated my rights under 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. 

According to the Fair Credit Reporting Act everything must be 100 % accurate. Clearly my credit report is filled with numerous inaccurate information violating my rights. 

Also the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX I'm also a veteran and having this inaccurate information on my report is actually preventing me from purchasing a home.
Product: Credit card

Capital One continues to Report a balance owed on my account in my credit report, after this account was sent to collection/charge off in XXXX. They continue to raise my amount owed on my credit report although in collections, this continues to lower my score and shows my credit utilization is at 206.40 %. 

I have spoke with collection agency to settle debt as well as Capital One who have threatened to continue to report increasing balance if I do not pay in full. This account was to be taken over in XXXX of XXXX through a divorce decree and is not my liability at this time and is my ex-husband 's however to settle the debt so I can re-establish my own credit, I was willing to pay a settlement of which I could afford. 

However, they continue to report after sent to collections of an increasing balance. Captial One will not work with me or the collection agency to correct this debt and have removed as a liability from my credit report. As well as help settle this debt. 

How can no one work with me to accept what I can offer to pay or I can wait for the statute of limitations in XXXX and have it removed then?
Product: Debt collection

This is a payday loan from MOney Key. Somewhere along the line a Company called XXXX called me and my spouse using legal action and would file a record of fraud on me. I asked for verification debt and what there address was and they refused and told me they were just going to proceed. I got scared and paid them {$300.00} I want my money back till I get my verification which they refused and they wouldn't give me there address of where they are at.
Product: Credit reporting or other personal consumer reports

I paid off XXXX XXXX bank it still on my credit report also its address on their I never lived their
Product: Credit reporting or other personal consumer reports

This complaint concerns XXXX inaccurate reporting of my consolidated student loan, which has significantly impacted my credit profile. After consolidating my student loans in XX/XX/XXXX, XXXX initially reported the debt as XXXX separate loans but later combined them into XXXX, creating material inaccuracies. I seek the correction of my credit reports to accurately reflect my student loan history and amounts. 

I have received XXXX 's response to the initial CFPB complaint regarding the Department of Education consolidation account opened on XX/XX/XXXX. However, XXXX 's response materially failed to acknowledge the issues detailed in the complaint and subsequently failed to resolve the matter. It is now apparent that XXXX has elected to dismiss the material inaccuracies brought to its attention. Despite a series of failed disputes filed with the CRAs and with XXXX directly, XXXX has maintained an unlawful inaction to correct the errors. The issues outlined in the complaint, coupled with the supporting documents highlighting the specific errors, can not make the errors any clearer. With all involved parties included in this complaint, there is no excuse for XXXX or the CRAs to continue placing the responsibility to correct known errors on the other party. Because XXXX continues to abdicate its duties under the FCRA, I have resubmitted this complaint as a last resort before seeking legal action. I have the right to a complete and accurate report, and as long as the errors described in the complaint remain, XXXX remains liable. 

After completing my XXXX XXXX from XXXX University in XXXX, I refinanced my student loans in XX/XX/XXXX. XXXX, the data furnisher and federal student loan servicer, managed the loan consolidation process, resulting in a total consolidated loan amount of {$210000.00}. XXXX confirmed the consolidation and began reporting the debt as XXXX separate loans on my credit profile : {$30000.00} ( subsidized ) and {$180000.00} ( unsubsidized ). 

From XX/XX/XXXX to XX/XX/XXXX, XXXX reported these as XXXX distinct loans. However, in XX/XX/XXXX, XXXX changed this reporting, deleting the {$180000.00} loan from my credit reports and increasing the balance of the {$30000.00} loan to {$210000.00}. Despite an established XXXX account history, XXXX made XXXX effort to address the reporting inaccuracies caused by this change. 

As a result, my credit profile inaccurately represents my loan history and falsely presents me as a higher-risk consumer due to the perceived incurrence of significant new debt in the past 12 months. Despite my disputes, XXXX and the credit reporting agencies ( CRAs ) have failed to correct these inaccuracies as required by law. 

I request a swift resolution, including the complete updating of my student loan account to accurately reflect the loan history and amounts. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute and request correction of inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax regarding the following issues, but have not received a response to date. 

The following account was never late : XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) Please correct this inaccurate information on my credit report. 
Because of incorrectly reported data, I require that your bureau verifies the following account : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7100.00} ) I am unsure of the accuracy of the balance of {$7100.00} that you report for this account. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. Additionally, I request from you to verify the Date Opened, Date of Status, and First Reported for this account. 
Your agency is reporting inaccurate information for the following account : COLLECTION ( Date Opened : XX/XX/XXXX, XXXX : {$350.00} ). 
I do recall my original creditor - COLLECTION, and it is obviously a different company than the one you are indicating. Moreover, I do not have any contract with this company and have never been contacted by them. Your agency provided false information about the balance of {$350.00} which is higher than I believe it to be. Due to these inaccuracies, I am disputing this entire account and ask for verification of the Date Opened and Date of First Delinquency.
Product: Student loan

I have not been receiving monthly statements for my student loans. I also have been trying to make an online payment for over two weeks and I am able to log in but then none of the buttons work. I also tried another browser. In XXXX there was a banner that the site would be down for maintenance on XX/XX/XXXX and XXXX. I tried again on XX/XX/XXXX and still could not get in. I tried against last weekend and again today. I then had to search the internet for a contact number. I waited for a long time and still was not able to speak to a person. I did pay my overdue balance by phone, but I have no idea if I was charged a late fee because ( 1 ) I can not see my account online anymore ( which is where I have been making payments for over a decade ) and ( 2 ) I am not getting statements. I have never had issues like this with Nelnet in the past, but I find it unacceptable if I get a late charge when they are failing. 

Next, my loan payments are not even covering the amount of interest accruing each month, which makes no sense to me because Nelnet tells me the amount to pay. I have been paying my loans since XXXX  and somehow still over over half of what I borrowed. I even made payments during the pandemic. I do not understand how my balance continues to go up when I have paid over {$40000.00} in principal. I feel there have been long standing issues with my payment application, but I can not access all of my information to even do any analysis. 

Additionally, I can also not access my tax forms since the website has not been working.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Called me at XXXX on XX/XX/2018 Claiming that I owed {$110.00}. 
Is this " company '' a scam? 
I do not owe anything. I called the hospital, and my accounts are good. 

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

I have contacted Experian several times about fraudulent accounts and information on my credit report due to me being a victim of identity theft. They have not acted in compliance to the Fair credit reporting act 605 b which sates that any fraudulent information resulting from fraud should be blocked and removed immediately.
Product: Credit reporting or other personal consumer reports

Per the IRS publication XXXX a charge off ( see attachment page XXXX column XXXX ) is consider income. This account is reporting wrong. 

Since it is considered income according to the IRS and per 15 USC code 1681, income is not one of the items that can be reported to the consumer report See attachment If you continue to report after this notice, you are violating my right under FCRA and agreeing to pay me XXXX dollars per violation. 

Also, according to 15 usc 6802 I am opting out of any authorization, that I may have given you to report
Product: Credit reporting or other personal consumer reports

My student loan servicer improperly reported my loan accounts to the credit bureaus. Originally, my student loans were consolidated into one account, XXXX, but after my loans were purchased by [ XXXX XXXX ], they created XXXX separate accounts on my credit report. This has significantly impacted my credit score, dropping it by XXXX points due to multiple late payment reports ( XXXX points per late payment per account ). This is an inaccurate representation of my loan history and a misuse of credit reporting. I have attempted to resolve this issue with the servicer, but they have not corrected the reporting. I am requesting CFPB intervention to address this improper credit reporting.
Product: Student loan

I am repaying a private student loan from XXXX XXXX XXXX XXXX, serviced by XXXX XXXX XXXX. My payments are sent via an automated paper check sent out by my credit union through their online bill pay service. The payment due date is the XXXX of each month. The money does not get deducted from my checking account until the check is actually presented for payment and cleared through the ACH, just like any other paper check. 

When I looked at my payment history on the XXXX XXXX XXXX XXXX  website last week, I was startled to see that my XX/XX/XXXX payment was marked as processed on XX/XX/XXXX. I checked my bank account record and saw the check had cleared on XX/XX/XXXX. I looked at the other payments shown on the XXXX XXXX XXXX XXXX website and saw another discrepancy. My payment due onXX/XX/XXXX was marked as processed on XX/XX/XXXX. Again, this payment shows on my bank information as clearing on XX/XX/XXXX. 

On XX/XX/XXXX, I called XXXX XXXX XXXX to ask about why the processing was not reflecting the actual date these two checks had cleared. They claimed that because I was having these checks sent by my credit union 's bill payment service, the credit union was taking the money out of my checking account at the same time the check was sent, not when XXXX was getting the actual payment. This is false. First, the paper check is being sent by the bill pay service prior to the XXXX of the month - it is sent in advance in order to arrive timely, i.e. BY the XXXX, not ON the XXXX. Second, the XXXX XXXX XXXX XXXX website shows that my payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all processed on the XXXX of the month, which would be impossible if the check were just being sent out on that date. Third, I pointed out that my XX/XX/XXXX payment was processed by XXXX on XX/XX/XXXX, according to their own records, which, if XXXX 's position were correct, would be two days before that check had even been mailed. 

I asked to have the extra interest charges refunded. It is not a large amount, but it is my money, not theirs. If they did n't want to do that, I offered to accept a lump sum credit of {$5.00} for each month that my payment was n't posted correctly, a total of {$10.00}. They refused both of my offers. 

The thing that really bothers me about this is that most people would not notice or understand the significance of the late posting. If every student loan borrower being serviced by this company is having their payments credited late twice a year, like I was, this company is cheating its borrowers by overcharging on the interest on those loans. This is fraud and it needs to be stopped. God knows how much money this could all add up to.
Product: Student loan

I spoke to a 3rd party in XX/XX/XXXX and got enrolled for Repaye/PSLF program for my student loans. I payed $ XXXX plus {$98.00} every month thereafter until XX/XX/XXXX. I called XXXX my student loan provider where they told me that money was never applied to my loans or my mothers loan which was a student plus loan. 
The representative I spoke to in XXXX there supervisor XXXX, explained to me to reach out to you guys in regards the matter, because this was a 3rd party charging me for services I could have received for free
Product: Debt collection

I sign a contract with XXXX XXXX XXXX on XX/XX/XXXX for 5 years @ monthly fee for {$45.00} later on XXXX home security taken over the company. They started increasing fees every now and then after calling and had a discussion they reduce the fees this practice was going on for the last two years, after 5 years I terminated the contract on XXXX XXXX giving them one month notice letter sent on certified mail and paid in full all there dues. 
After cancelation they tried to get me back on a new contract with them offering me numerous sales tactics but I didn't want to do anything with them. 
Last invoice was XX/XX/XXXX for the amount of {$62.00} and paid with my credit card, they mistakenly duplicate the charge and later refunded. 
Last XXXX I received a letter from debt collector McCarthy, Burgess & Wolff for a amount {$100.00} I replied disputing it. Yesterday again they sent me a letter stating see attached documents but there are no attached documents.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase.com for buying and selling Bitcoin. My main concern is that I initiated a wire transfer to Coinbase.com and after 9 days, my account still shows 2 messages Not Verified and Transfer Pending. I am very concerned since Coinbase states wire transfers are completed the next business day. Also, I am alarmed that this is not an isolated case after reading through their support forum.
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On the morning of Thursday  XXXX   XXXX  2017, I initiated a wire transfer in the amount of {$11000.00} from my personal checking account to my Coinbase.com account based on the explicit wire transfer instructions ( see attached ) provided by Coinbase. Coinbase support forum state wire transfers are completed by next business day. Next business day was Friday   XXXX    XXXX  2017. I opened a support case with Coinbase on  XXXX   XXXX , 2017   XXXX   ( see attached ). The only response I have received to date is Coinbase deleting any of my additional submitted cases which is very frustrating since they dont have time to process my wire transfer but can delete duplicate cases. Furthermore, the wire transfer instructions are still available which indicates to me they are not warning customers that wire transfers are an issue. At best, they are running a business with extremely poor customer service and at worse they are committing fraud in my opinion. There is no other way to contact Coinbase support to resolve my issue.
Product: Mortgage

PHH mortgage was called and a 20 day pay off statement was requested and was faxed to my employment on XX/XX/XXXX. I went to my bank and processed the pay off amount of {$39000.00} and my bank sent the appropriate pay off amount XXXX XXXX overnight on XX/XX/XXXX.The escrow {$6500.00}. I received a letter from PHH dated XX/XX/XXXX it had written " revised '' and it stated that the pay off amount was {$87000.00} plus.This sets an out and out major discrepancy which will result in my not getting my property that i paid in full. I am afraid that these people will not release the lien on my home that I have paid in full. 
I have documentation dated XX/XX/XXXX from PHH that says that the principal balance was {$42000.00}. and the escrow at that time was in excess of {$11000.00}. on the website. I have complained to you about this entity twice in XX/XX/XXXX and XX/XX/XXXX.I have written documentation from the president of PHH in XX/XX/XXXX that stated the principal was {$52000.00} with escrow {$9700.00}. This was corroborated with a letter from the PA department of Banking and Securities. 
Therefore I am not sure why I received a letter saying I owe PHH over {$87000.00} dollar pay off! 
I complained about PHH twice last year XX/XX/XXXX and XX/XX/XXXX due excessive escrow accounts and misapplication of my mortgage payments. 
Briefly I had paid this mortgage so far in advance that in XX/XX/XXXX they told me that I did not have to pay anything on the mortgage until XX/XX/XXXX. I have amortization statement showing the account balance and the schedule of pay off. 
It all started last XX/XX/XXXX when I visited the mortgage website and found a {$17000.00} escrow that was outrageous! PHH artificially stalled the pay off of this mortgage with their bizarre misapplication of excess principal payments and escrow accounting practices. Please review the complaints from XX/XX/XXXX and XX/XX/XXXX. 
I just wanted to pay off my mortgage before i retired.I am so disappointed about how they have treated me.
Product: Debt collection

I have reach out to the a preventive or executive regarding a collection accounts on XXXX that are not mine I have requested verification and validation debt about it have not hear or receive anything I have in addition send verification of my My identification and social security number to match what they have still to this date have not receive anything it 's been months
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Address Report Number XXXX Dear Experian, I am writing to formally dispute the inclusion of an incorrect address on my credit report, referenced by the report number XXXX. 

The address in question is : XXXX XXXX XXXX XXXXXXXX PA XXXXXXXX This address is not current or accurate, and its inclusion on my report violates the Fair Credit Reporting Act ( FCRA ) requirement that all information be complete and accurate. I request that this address be promptly removed from my credit report.

Please update your records to reflect only my correct and current address which is XXXX XXXX XXXX, XXXX, PA XXXX. I expect this matter to be resolved in accordance with the FCRA guidelines.

Thank you for your immediate attention to this matter. Please confirm in writing that this address has been removed from my credit report. 

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

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$320.00} XXXX  XXXX Balance : {$5900.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022